Maybe you can post a link to the thread that caused your concern. Answers to this frequent question depend on the details of the transaction and case law related to contracts in your state. The facts in the other thread may be different than yours.
So far as I know, the concept of a "refinancing" has no particular meaning outside Section 1026.20(a) of Reg. Z. Reg. Z can require new disclosures, but it can't require a new mortgage and note. Whether or not you need to replace note & deed of trust hinges on the way the courts in your state view changes in the terms of existing contracts. There's a very high probability that your legal counsel will tell you that "if it ain't broke, don't fix it"...in other words, amend only the parts of the contract that need to be changed.