Our mortgage loan originators want to increase the loan amount (post-closing) on a consumer residential construction loan. Assuming our state law, note and mortgage clauses allow this, what compliance implications do we face? From reading Reg Z, the modification will be deemed a refinance. Does this require a new loan estimate along with a new closing disclosure? Outside of flood, what other notices/disclosures will have to be provided again? Can we rely on any initial disclosures if the increased loan amount does not change/impact the initial disclosure?