Updated font to 12 point per Texas statute requirement for disclosures/notice. (Date of Release to Production: 12/30/24)

Updated URL for website in third paragraph. (Date of Release to Production: 12/30/24)

Updated figures in example for FHA/Conventional Loans based on current interest rate. (Date of Release to Production: 12/30/24)

New California form. Form effective 01/01/25. (Date of Release to Production: 12/30/24)

Under Vt. Stat. Ann. tit 32, § 3108 (establishment of interest rates), the Vermont Commissioner of Taxes is required to set interest rates no later than December 15^th of each year with rates that become effective on January 1^st of the following year and apply to interest that accrues in that calendar year. On November 1, 2023, the Vermont Commissioner of Taxes issued a memorandum on interest rates for 2024.

Updated to the most recently published model form version. (Date of Release to Production: 12/19/24)

Updated to the most recently published model form version. (Date of Release to Production: 12/19/24)

Updated footer logo to most recent version. (Date of Release to Production: 12/19/24)

Adjusted format for list consistency. (Date of Release to Production: 12/19/24)

Updated footer logo to most recent version. (Date of Release to Production: 12/19/24)