Update to the Vermont High Points Rule to exclude broker compensation in accordance with 1998 HUD-1 Instructions, as this was not disclosed in line 801 or 802.  This change updates the rule used for selecting the Vermont High Rate, High Point Disclosure. 

Replacement of the Construction Loan Addendum Amending the Note for Veterans Affairs Construction-to-Permanent Loans.  New document reflects changes to the payments during the construction phase to reflect no payments by the veteran during the construction phase in accordance with VA requirements. 

Update to the Spokane, Washington County Treasurer information that populates on GATAX.LSR to correct a missing "R" in Treasurer. 

Remove the MISMO-specific version of three VA forms from DocMagic default plans, wherein the form uses MISMO data to complete programming rather than DocMagic worksheet.  Update is to the VA Loan Analysis (261820.VA), VA Loan Summary (260286.VA), and the Request for a Certificate of Eligibility (261880.VA).  These forms will still return as expected in the same packages but will use DocMagic worksheet data in line with all other DocMagic forms. 

Update the discount point consideration to follow section 32 in addition to bonafide indicator, from considering only the bonafide indicator.    

Update to consideration of seller-paid discount points in the New Jersey high cost points and fees test.  The New Jersey high cost test includes charges or fees that if paid by the borrower would be included in the points and fees even when those charges are paid by the seller.  The New Jersey high cost test does include seller-paid charges and origination points in the points and fees calculation, this change updates for discount points inclusion. 

Update to the logic for printing the Property Acquired Date and Property Acquisition Cost on the URLALLI.  Currently this prints whenever provided.  Update to the logic to print only when the purpose is Construction Only or Construction-to-Permanent

Update to the logic used in the Vermont High Rate audit calculation of "points" to exclude a broker fee in accordance with the instructions for the HUD-1 in Appendix A to Regulation Z as it existed in 1998.  The Vermont definition of points should include only items that would have been disclosed in line 801 or line 802 on the HUD-1 according to those instructions in 1998. 

Update to logic in the audit which checks to ensure an Estimate Issue Date has been provided to be used in the New York Subprime test.  Update to check for possible second worksheet location for this date before returning to indicate the date is missing.   

Update to HUD MI Renewal Factor Audits to reflect recent reduction in Annual Mortgage Insurance rates announced by HUD in Mortgagee Letter 2023-05.