Consumer Purpose HELOC secured by primary residence...

Bank pays all closing costs, except for the appraisal or title policy (if one is required).

On the Home Equity Line Agreement (Note) the charges are all listed as POC by the bank. On one HELOC where an appraisal was required and paid for by the customer, it is still listed as POC by the bank on the note.

I'm a little confused about what to do next. I'm not sure whether to:
A: redo & resign the note
B: issue a letter of correction and put it in the file stating that the mistake was caught and corrected
C: ROR was not properly executed since the material disclosures were wrong.

I hope I'm wrong about C...

Thanks

I am not an expert, but would do (B) with the letter sent tot he borrower and a copy for the file. The difference is not detremental to the borrower and the ROR is still valid as it is relative to the mortgage placement on the property.