HELP!!!!!
We have a loan i/a/o $1200 which has defaulted. The borrowers have a real estate loan (residence) with us.
We want to charge the $1200 loan to the RE loan.
What disclosures (if any) would be required?

Very good question for an attorney familiar with TN laws or post the question in the TN forum.

You also need to have an attorney review both loan contract lanquage. It is very unlikely IMO that you can arbritarily charge the $1200 to the real estate loan. And even if you can, and this is the borrower's primary residence, you are increasing your security interest and the ROR will come into play.

Agree with Dan, In my experience, if you did not give RofR when the $1200 loan was made (highly unlikely) you will not be able to use the RE loan as a default outlet.