Update the discount point consideration to follow section 32 in addition to bonafide indicator, from considering only the bonafide indicator.    

Update to consideration of seller-paid discount points in the New Jersey high cost points and fees test.  The New Jersey high cost test includes charges or fees that if paid by the borrower would be included in the points and fees even when those charges are paid by the seller.  The New Jersey high cost test does include seller-paid charges and origination points in the points and fees calculation, this change updates for discount points inclusion. 

Update to the logic for printing the Property Acquired Date and Property Acquisition Cost on the URLALLI.  Currently this prints whenever provided.  Update to the logic to print only when the purpose is Construction Only or Construction-to-Permanent

Update to the logic used in the Vermont High Rate audit calculation of "points" to exclude a broker fee in accordance with the instructions for the HUD-1 in Appendix A to Regulation Z as it existed in 1998.  The Vermont definition of points should include only items that would have been disclosed in line 801 or line 802 on the HUD-1 according to those instructions in 1998. 

Update to logic in the audit which checks to ensure an Estimate Issue Date has been provided to be used in the New York Subprime test.  Update to check for possible second worksheet location for this date before returning to indicate the date is missing.   

Update to HUD MI Renewal Factor Audits to reflect recent reduction in Annual Mortgage Insurance rates announced by HUD in Mortgagee Letter 2023-05. 

Add new audit to check for the maximum mortgage recording fee allowed to be charged on loans with a loan amount of $75,000 or less. Kansas law limits a mortgage recording fee to no more than $125, for such loans, on owner-occupied property.

Update to the selection logic used for selecting the borrower-paid and third-party paid buydown agreements to allow for multiple parties, allowing selection of multiple agreements, including for multiple third parties, returning a copy of the agreement per buydown payer. 

Update audit rules to run the MA Subprime audit for all users.   

New audit to ensure the product for which an eNote is requested is an eligible product type.  Currently, products including New York CEMA, Texas 50(a)(6) and any product requiring "Special Purpose Documents" is not eligible as a FNMA/FHLMC eMortgage.