Can someone please confirm whether I am accurate in this regard. From my understanding the Michigan Bill of Rights Discloure applied to 1st and 2nd non-purchase money mortgage (refinance)transactions. There seems to be some confusion, because when our retail division brokered out a loan, the lender required us provide a Michigan Bill of Rights Disclosure on a purchase transaction. I just want to make sure that I'm providing the correct information. Any input will be greatly appreciated.