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.
Revised Document: Acceptance of Property Condition Survey Waiver and Hold Harmless Agreement
AOPCHH.MSC
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.
Update to the programming of the Multistate Construction Loan Addendum Amending Note (US3736CO.ATN) to check the proper box in section 2(c) Interest Reserve Payments based on input data.
Update to the programming of the Late Fee Addendum to Promissory Note (LFATPN.MSC) to match an eNote request. i.e., if a user asks for an eNote, then all addenda attached to that note should also be ClickSign so they can be signed at the same time/same method as the note (If they don’t ask for an eNote, then both should be Ink).
