Illinois Second Mortgage (ILSEC.MTG) updated for rider boxes to check correctly (Balloon Rider and 1-4 Rider were switched).

Virginia FHA Adjustable Note (VAFHAA.MOD) updated to add Originator and Loan Originator Organization name and NMLSR information to the last page. 

When processing a Construction-to-Permanent loan we need the construction months to properly calculate. This audit will help ensure we always have construction months when the loan is a CTP. Sample Wording: Please review construction loan terms.

New Audit to alert for Loan Estimate or Closing Disclosure on a Non-TRID Loan (non-appropriate use that it is not applicable). The audit will fire whenever the RESPA Rule Reg Type is non-TRID, e.g., not October2015 or October2018, and they are getting a Loan Estimate (LE.DCS) or Closing Disclosure (CD.DCS). This audit is only a warning and will not stop the disclosure from being drawn in the document package. 

Sample Message: Please review the loan. The closing disclosure or loan estimate disclosure is not appropriate for this loan.

Converted to letter size and two pages. (Date of Release to Production: 02/19/26)

Updated the 3-day disclosure audit to recognize when a lender has already issued an initial CD at the time of locking. The CD does not show the rate lock date. The requirement to redisclose upon rate lock is specific to the LE as a result. If a lender has already issued a CD when they lock the requirement to redisclosure a LE no longer applies. In that case the audit should not fire. 

Prepayment Rider - Illinois (ILPR.PPF) updated to expand the spacing allocated for the page 2 verbiage in the within section for typed out months. 

New audit that fires if your FHA UFMIP is not financed but based on the loan amount it looks like it should be. i.e. if the total loan amount is higher than the base loan amount. 

Update to the programming of the  Multistate Construction Loan Addendum Amending Note (US3736CO.ATN) to add a plan feature for calculation of the permanent phase end date. 

Update to the programming of the Alabama Notary Acknowledgments ( ALR.ACK & AL.ACK) to include verbiage for representative capacity signors.