When a HELOC is approaching maturity, the customer can refinance it if they qualify to continue to have access to the line, or there may be a baloon payment under the terms of the original note if they attempt to refinance it and don't qualify.
With a refinance you are providing a new note and a new TILA disclosure. With a balloon payment, you follow the terms of the original note.
Neither of these are change in terms.
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