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.   

Update to Notice of Intent to Proceed with Loan Application (NIPLA.GFE) for the Loan Estimate Issue Date referred to in the text to update when the Issue Date on Loan Estimate updates to reflect delivery through eSign process.  Previously this date would update only if the NIPLA.GFE was processed in a different package and after the initial LE.    

Updated selection logic for VTHRHP.DSC to also return for FHA and VA loans when loan is identified as a Vermont High Rate, High Point loan.  

Update to final payment for Construction Only loans on Best/Worst Case Amortization and LE/CD Projected Payments.  Final balloon payment updated to reflect total loan amount plus final interest payment.