Update to the calculation for exclusion of bonafide discount points from the Indiana state high-cost test to consider how quickly the discount points are recouped by the borrower.   In order to be excluded, in addition to being identified as bonafide and passing the required spread to the benchmark rate, discount points must also be recouped by the borrower through savings in the monthly payment within the first four years after closing.   

Revised the name of the DSI plan for Texas 50(a)(6) loans to indicate 50(a)(6) applicability over use of the term "cash out".  Revised name of DSI_TX6 is now Texas 50a6 Fixed Rate 1st Lien. 

South Carolina is making its annual update to late fees and prepayment penalty threshold on July 1, 2026. The minimum late fee is being updated from $10.20 to $10.80 and max amount of $25.50 to $27.00. The prepayment penalty loan amount threshold is being updated from 765, 000 to new 2026 threshold of 810,000.

Oklahoma is making an inflation adjustment to its late fee on July 1, 2026. The late fee amount will go from $33 to $34.

Minnesota is making an inflation adjustment to their late fee amount for 2026.It will go from 9.88 to 10.40 as of July 1, 2026.

Maryland Purchase Money Deed of Trust (MERS) (3021MD.MZD) updated to add lender address data programming into Section B "Lender is..."

Update to the programming of the Cook County High-Cost test to exude Construction Only loan types. 

VA Questionnaire (VAQUES.MSC)updated to make boxes in Section A and Section B required post fill. 

Update Washington HELOC Deed of Trust (WAHESI.HCL) on page 1 for the “full legal description is on page 3” to now read page 4. 

Update Supplemental Consumer Information Form (SCIF.MSC) for eSign to be date selection instead of text boxes.