Update to Programming of Vermont High Rate High Point Disclosure (VTHRHP.DSC) to include the 2025 Declared Rate of 8.5%. 

Update to the Audit for the 2025 Declared rate for Vermont. Effective January 1, 2025, the new rate will be 8.5% and increase from the 2024 Declared Rate of 8%. 

Update to the programming of the California RON Acknowledgment (CARON.ACK) for updated verbiage for electronic closings. 

New audit for any County Name that doesn't match our County File. Example Miami-Dade vs Miami Dade.  This will fire as a warning. 

Update to the programming of the VA 26-1820 Loan Disbursement to include Loan purpose of Streamline Refinance for logic to fire on options 16a and 17a. 

Update to the programming of the Correction Agreement Limited Power of Attorney (CALPOA2.MSC) on the notary section to leave the state and county fields blank only for full virtual closings.

Update to the programming of Get a Home Inspection (GAHI.FHA) to add to USDA purchase loans. 

Annual update to Illinois High-Cost Threshold Amounts - Effective January 1, 2025. Loan Amount ($26,092 update to $26,968) and Dollar Amount ($1,305 update to $1,348) for 2025

Update to programming of the Authorization for the Social Security Administration to release SSN Verification (SSA89.MSC) for the date to automatically fill instead of needing to be ink filled by the borrower. 

Annual update to the HOEPA/ Section32 Points and Fees dollar trigger for high-cost mortgages in 2025 will increase from $1,305 to $1,348. The total loan amount threshold used to determine whether a loan is subject to the “total points and fees” provision of HOEPA, or Section 32 will increase from $26,092 for 2024 to $26,968 for 2025.