Update to the QM HUD Points and Fees Results message to correct formatting and ensure the test label and message are separated by spaces and a colon. 

Update to audit that checks to ensure Transfer Taxes are included on a purchase to look for additional charge items which qualify as Transfer Taxes. 

Update to the programing of the Itemization of Amount Financed (IAFL.TIL) for use with non-TRID loans, so that prepaid items such as impounds are not included in the prepaid finance charge. 

Update to the programming of the Tax Record Information Sheet (GATAX.LSR) to add programming for the Union County Tax Collector in the State of Oregon. 

Update to the programming of ARM Loan Modification Agreements to update the page count and allow for the use of dynamic notary. 

Update to the programming of the Loan Estimate and Closing Disclosure to allow the option to have the Homeowners Insurance box be blank for Vacant Land Loans. 

Update to the programming of 1003 LLI (URLALLI.MSC) to match section J (New Mortgage Loans) with Section 4b (Other New Mortgage Loans) of the URLA for FL DPA program Hometown Heroes. 

Update to the programming of Net Tangible Benefit forms so that prior lien and other worksheet data is used to calculate differences and check applicable boxes.   Forms:  MNTNBN.MSC, AKTNBN.MSC, ARBRTNBW.MSC, COTNBD.MSC.

Update to the programming of Customer Identification Verification (CIV.MSC) to no longer require an issue date in post fill when using Military ID.  

Update to the programming of Ohio VA Open-End Mortgage (OHMTG.VA) Exhibit "A" for spacing and alignment instead of prior overlap if the legal description was typed out and not attached.