A lender provided a HELOC applicant a 60 month early program disclosure but the applicant actually applied for the 120 month HELOC program. The HELOC closed at 120 month, now we are wondering if we should mail the borrower a 120 month early HELOC program disclosure and explain what happened? I'm thinking to document the file on what happened and not mail the 120 month early program disclosure so as not to confuse the borrower. The applicant received the 120 month final disclosure at closing. Any thoughts on this? Guidance would be appreciated!

Water under the bridge.