We have a customer whose loan was originally set up on a 10 year amortization with a balloon at 5. Their loan is getting ready to mature & we need to know if we should give out all the early disclsoures. I read a q & a from 11-2-2009 & understood correctly that we need to give out the early disclosures, but have read recent posts on the forum that says otherwise. I just want to make sure I am doing the right thing. Can someone help?

Are you renewing the note or paying it off to start fresh with another?

Just renewing