Year-end update to the loan amount used for applicability of the Pennsylvania Prepayment Penalty restrictions to $301,022. 

Update to the Vermont Declared Rate used in determining if a loan is a Vermont High Rate, High Point Loan. 

Update to postfill to be required on the Intent to Proceed, Acceptance of Loan Estimate form (ITPAGFE.MSC).  Will require borrower to make a selection before signing and not allow borrower to sign without making a selection regarding intent to proceed. 

Update to exclude a Title Only signer from the signatures (and named borrowers) on all standard buydown agreements (TBABP.MSC, TBALP.MSC, TBATPP.MSC, FHABD.LSR, BD2.LSR, BDA.MSC). 

Update to the late fee logic for government plans for construction-to-permanent loans.  Generally will use 4% of the payment.   

Update to application of the NY High Cost test to include subordinate liens otherwise meeting the definition of home loan. 

Update to the overall QM HUD determination audits to consider the exclusion from the points and fees for manufactured housing.    

Update to logic for the Rate Lock Expiration audit that ensures the Disbursement Date is before the rate lock expires.  Updated to use the most commonly used Rate Lock Expiration date field from a prior-used rate lock expiration date field. 

Update to the FHA QM audits to not have the Price-Based Limit return. 

Update to CT High Cost test to use APOR instead of T-bill for APR comparison.