In relation to Reg B appraisal requirements - If someone has requested an extension of a balloon loan (for another 5 years) secured by a first lien on a dwelling and the bank will order a valuation on the dwelling to validate the value, does that fall within the delivery timing requirements of regulation B? Would we need to give the disclosure at "application" and then either deliver the valuation to them 3 days before the signing of the change in terms or they could waive the timing requirement 3 days before signing?

Yes