Is anyone giving disclosures related to nontraditional mortgage risks along with other disclosures provided at application or within 3 days of application?

It seems to me that this is too late, but it may be a good practice as an additional safety measure since many people who apply for the mortgage may not have seen any of our advertisements that address these products. It's true that they won't read it until after they've applied, but it won't be too late to change their application to a different type of product.

I'm trying to decide if it's worth the additional effort and expense, so I'm looking to see what others are doing.

Thanks,