We have a consumer home loan that is a refinance of debt secured by their principal dwelling and giving them cash. This is refinancing another Lender’s debt. We are unsure which Recission Model Form to use. Are we to use the one stating “You are entering into a new transaction to increase the amount of credit provided to you”. (H-9) OR do we use the one that states “You are entering into a transaction that will result in a mortgage on your home”?