Is there any reason we can not do a modification to increase the loan amount on a HELOC? According to the Official Interpretations for 1026.40,as long as the consumer agrees in writing to the change before expiration, it looks as if you can. I have a lender that thinks there was a change, possibly having to do with the new appraisal rules, regarding impact on the customer even though it's their request. Any thoughts? Thanks!