We inadvertently did a balloon loan on an in-house mortgage refinance that was 59 months. We normally do these as 62 month balloons. Can we just do a change in terms and extend out the maturity date another 3 months or does this not fix our problem?

If I shoot someone and then apply a Band-Aid does that negate the fact that I shot them?

So what you are saying is the cat is out of the bag and live with it?