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.  

The audit for prepayments in Pennsylvania is updated to reflect 2018 adjustments to the dollar threshold for applicability.  

Update to Vermont high cost audits and VTHRHP.DSC to reflect 4.0% declared rate in 2018. 

Update to New Jersy High Cost test to reflect updated maximum loan amount  of $487,618.86 subject to high cost rules. 

The Illiniois High Risk Home Loan test is updated to reflect annual dollar amount adjustments. Points and fees trigger updated to the lesser of 8% or $1052 for loan amounts less than $21,032. 

The audit for prepayments in Ohio is updated to reflect 2018 adjustments to the dollar threshold for applicability.  

Update to DocMagic systems and forms to allow selection of disaggregated 2018 GMI categories without also selecting an aggregated GMI category.  Allow selection of any combination of GMI aggregated or disaggregated categories. 

Added lender plan option for support of FNMA monthly mortgage insurance termination rules for 2-4 unit primary residences and 1-4 unit investment properties.  Option supports automatic termination of monthly mortgage insurance for these loans at midpoint. 

Expanded use of Business Purpose indicator to allow use on all loans regardless of the occupancy.  Previously, business purpose was only applicable to loans with an occupancy of investment.  Business purpose excludes certain documents, such as LE and CD, from returning.