Update to selection logic for the Shopping For Your Home Loan: HUD's Settlement Cost Booklet (SFYHL.HUD) to exclude subordinate liens and "construction only" loans with a term less than 24 months. SFYHL.HUD should return for an owner-occupied residence that may be a second home.

Additional update to selection logic for Your Home Loan Toolkit (YHLT.MSC) in the master plan to exclude subordinate liens and "construction only" loans with a term less than 24 months. YHLT.MSC in only the master plan should return for an owner-occupied residence that may be a second home. 

Changes to MA HPML audit to better align with Federal HPML Audit as defined in MA law.

Update to the subtotal loan amounts listed on the form to only include borrower-paid for the time to recoup loan costs.

Wisconsin Variable Rate Loan Disclosure (WIVRLD.MSC) has been added to the Wisonsin state build.  This form complies with Wis. Stat. § 138.056(6) and will return in initial, pre-closing, and closing packages for Wisconsin 1st lien ARM loans that are owner occupied. 

Updated Expiration Date on top of page 1 (based on updated website version).

Update signature logic for Massachusetts Licanes Disclosure (MALD.MSC) to also include a signature for the co-signer as the requirement is for a licensee to provide the disclosure to all clients and residential mortgage loan applicants. 

Update selection logic for TXDOMR.MSC to return for all origination types, not only purchases.  The disclosure of multiple roles extend beyond roles limited to a purchase, i.e., residential mortgage loan company who serves as originator and attorney for lender/buyer/seller, etc. 

Revised the TX A6 audit to reduce the threshold from 3% to 2% and exclude appraisal, survey, title insurance and title examination fees.   Effective for loans closed on or after January 1, 2018. 

Thresholds updated for the federal Section 32 and Qualified Mortgage high cost tests to reflect 2018 changes.