Thanks for your response. So the 2nd home was already built? Your first post said the money was being used "to build new retirement home". The second posts says "2nd home was a vacation home that was to be remodeled". If the second posts is accurate, I agree this is not a bridge loan, but it could still be temporary financing. However, after reviewing all of your information, I think it's a short term but not temporary (for HMDA, RESPA).
Concerning the continued extensions: You can continue to extend, as many times as you'd like. Typically, continued extensions become more of a S&S issue than a compliance issue.
Charing a fee has no relevance to triggering disclosures. Many banks charge fees for doc prep/admin for extensions without providing new disclosures.