Add new audit to check for the maximum mortgage recording fee allowed to be charged on loans with a loan amount of $75,000 or less. Kansas law limits a mortgage recording fee to no more than $125, for such loans, on owner-occupied property.

Update to the selection logic used for selecting the borrower-paid and third-party paid buydown agreements to allow for multiple parties, allowing selection of multiple agreements, including for multiple third parties, returning a copy of the agreement per buydown payer. 

Update audit rules to run the MA Subprime audit for all users.   

New audit to ensure the product for which an eNote is requested is an eligible product type.  Currently, products including New York CEMA, Texas 50(a)(6) and any product requiring "Special Purpose Documents" is not eligible as a FNMA/FHLMC eMortgage. 

Add additional fatal audits to check for complete data when generating an eNote, including checking for: Loan Number, Property Street, City, County, State, Zip and a Loan Originator. 

New additional audit to capture the Massachusetts Chapter 183C High Cost Test result as shown on the LDR.  No change to the high cost test or its applicability.  

Update to the logic used for checking the third box under #12 to match the logic used for selecting federal PMI disclosures under the HPA.   Previous logic did not check based on only one financed unit (checked for 2, 3, 4 financed units which are not covered by HPA).  

Update to logic used for selecting property-related disclosure on Massachusetts versions of the Statement of Credit Denial (MASOCDCS.MSC and MASOCD.MSC).  When a Denial Reason related to property/collateral is provided, this box will automatically check.   

Update to the default DocMagic answer for Liability after Foreclosure (LaF) on the Closing Disclosure for the state of Michigan.  Based on feedback from the MI Department of Insurance and Financial Services, DocMagic is updating the answer for this disclosure to recognize an available defense a borrower MAY raise that the Fair Market Value was equal to the debt. As a result, in Michigan, the Liability after Foreclosure default will check the "State law may protect" checkbox on the CD.

Update to the LE Received Before CD Audit to allow for blank CD Issue Date and not fire simply because a blank date would come before another date with a value.