Is a ROR required for a construction loan with out a permanent on primary residence. It is being taken out to do a remodel project on same said home by the homeowners. I am saying yes since it isn't a true business loan. Can anyone help clarify this for compliance issues. What about the Early TIL and GFE, required on this one? Any help would be appreciated.

I am saying yes since it isn't a true business loan.

This confuses me, why would it be a business loan??

Otherwise, yes - all apply.