What disclosures (if any) are need to modify an ARM to a Fixed rate?

I could be wrong, but I don't think you can modify this. I believe this would have to be a new loan.

Modifying from an ARM to a fixed is OK, as long as it is accomplished with a modification agreement and not a new note.

Modifying from fixed to variable is a refinancing requiring all new disclosure regardless how you attempt to accomplish it.

We complete a modification agreeemnt NOT a new note. Thanks Dan.