New York State Law Changes in 2026: UDAP, Manufactured Homes, and State CRA Reporting Requirements
January 2026 - Legal/Regulatory Update
Unfair, Abusive and Deceptive Business Practices
Annual Adjustment to HELOC Terms Disclosure Table for 2026
January 2026 - Form Updates
Annual Update to the FHA Informed Consumer Choice Disclosure Notice
January 2026 - Form Updates
As required by federal HUD regulations (24 CFR § 203.10), DocMagic has updated its FHA Informed Consumer Choice Disclosure Notice (Form ID: ICCDN.FHA) to reflect the current market rates for mortgage interest rates for conventional and FHA loans.
January 2026 Term of the Month
Conversion: With regard to a manufactured home, the process set by state law which allows one to convert the title of a manufactured home from personal property to real property. It is often a prerequisite to obtaining mortgage financing on a manufactured home.
NJ High-Cost Home Loan Threshold Updated
January 2026 – Form Updates
On January 16, 2026, the New Jersey Department of Banking and Insurance released its annual adjustment to the definition of "high-cost home loan" under the New Jersey Home Ownership Security Act of 2002. The adjustment amount is calculated based on the last published increase in the housing component of the national Consumer Price Index, New York – Northern New Jersey Region.
Two Opportunities to Meet with DocMagic in February
January 2026 - Industry Announcement
- Meet with Gavin Ales, Chief Compliance Officer during the Commercial / Multifamily Finance Convention on February 8th – 11th in San Diego. Contact gavin@docmagic.com to schedule time to meet.
Revised Document: Texas Important Terms of Your Home Equity Line of Credit
Document Title
Revised Document: Texas Important Terms of Your Home Equity Line of Credit
Form Name
TXHEIT15.HLC
Updated Minimum Payment Example section and Index Table. (Date of Release to Production: 01/22/26)