While you may be able to technically meet the requirements by doing this, I agree by making this a standard part of your procedure, it appears your bank would be trying to evade the valuation delivery requirements under Regulation B. And if you are slipping another document (a waiver to sign) in with each early disclosure packet it could be deemed deceptive. Also remember that if it is an HPML there is no waiver of the appraisal delivery timing (three business day prior to consummation).
