If a consumer purpose balloon home loan has matured, does Reg. Z permit modifying / extending the term or will the bank have to re-write the note under TRID? The loan began as a 36 month balloon with 30 year amortization. Every three years it was extended for another 3 years and reamortized over remaining term. The most recent maturity date as come and gone so can the bank still modify / extend the term without redoing the loan? 1026.20 speaks to a "refinancing" and our consultant telling us the fact it has matured it has been extinguished and meets definition of a refinancing in Z. Thank you.