BytePro 21.2
BytePro Enterprise Installation Matrix
The installation matrix below indicates which BytePro Enterprise components must be updated for a particular release. This matrix does not apply to BytePro Standard or BytePro Online customers.
Component 21.2 Initial Release
(21.2.7900) Client Application *
Web Portal **
Consumer Portal **
Pushback Services **
Optimal Blue Web Services **
LOS Web Service **
Database Installer/Updater AutoIndexer
Database Utilities PDF Installer
* If you are using the MSI installer the client application installer is labeled "BytePro Enterprise Client MSI Installer". If you are using the ClickOnce installer, the client application installer is labeled "BytePro Enterprise ClickOnce Server Installer (AnyCPU)".
** The Web Portal, Consumer Portal, Pushback Services, Optimal Blue Web Services, and LOS Web Service are components of the Web Tools Installer.
Required Required Required Required Required Required Required Required Not Required Not Required
21.2 Initial Release
2021 URLA
Comparison/Open House Flyer: Updated the Comparison and Open House Flyer for 2021 URLA loans to allow for different subordinate financing amounts and credits for each scenario.
Details of Transaction, Line E: Updated the ‘Details of Transaction’ calculation for
purchases for ‘Line E: Credit Cards and Other Debts Paid Off’, to include mortgage or HELOC debt that is
‘to be paid off’ when the associated REO is flagged as retained.
Details of Transaction, Line F: Updated the calculated total for ‘Details of Transaction’,
‘Line F: Borrower Closing Costs’, to include borrower-paid amounts of seller responsibility closing costs.
Patriot Act Information: Removed the hyperlink from the ‘Patriot Act Borrower Documentation’ screen for 2021 URLA loans as it references the ability to print the ‘Patriot Act Information’ on page 4 of the 1003. The 2021 URLA does not include this information.
Organization EIN: Updated the Organization EIN on the ‘URLA Borrower Info’ screen (Loan Originator Information section) so that it populates from Parties > Broker when the ‘Show Broker
Information’ checkbox is checked. Updated the associated hint to say that the EIN is not used on the URLA, it is shown for reference only.
URLA Borrower Form: Updated the ‘URLA Borrower Form’ so that the data in the
‘Mortgage Loans on this Property’ section prints blank when the ‘Blank’ option is selected for the ‘Data to Print’ drop down on the print screen.
Borrower Initials: Added the ability to remove the ‘Initials’ section at the bottom of the 2021 URLA borrower form. Go to Customize > Defaults > URLA and look for the setting labeled ‘Print Borrower Initials.’ Select ‘Always’ to always print the line. Select ‘Never’ to never print the line. Select
‘Based on State’ to print the line only when the subject property is in certain states. See the ‘Explain’ link next to the default for more information.
Occupancy Declaration: Updated the ‘Occupancy Declaration’ alert to match the
‘Occupancy Type’ so that if the ‘Occupancy Declaration’ is ‘No’ and the ‘Occupancy Type’ is investment, a yellow alert will no longer be displayed.
Real Estate Checkbox: Updated the printed version of the URLA Borrower Information document so that the ‘I do not own any real estate’ checkbox in section 3 is consistently checked when the corresponding checkbox is checked in the UI.
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Gift Letter: Added the Gift Letter to the URLA print list if either borrower has a gift or grant entered in the Gifts or Grants table on the ‘URLA Borrower Info’ screen. The URLA print list is displayed when the user presses the Print button while the ‘URLA Borrower Info’ screen is open.
Closing Cost Worksheet: Added the option to print an updated Closing Cost Worksheet with the 2021 URLA to help show the breakdown of seller, lender, and other credits. The updated worksheet is labeled ‘Closing Cost Worksheet v2’.
Amortization Type: Updated the logic for checking the Balloon checkbox on the URLA Lender Loan Information document when the Amortization Type is 'Custom Product' and one or more of the custom product periods is 'Percent of Balance'.
Gift of Equity: Updated the verified assets on the 1008 and 92900-LT screens to include gifts of equity from the Gifts or Grants table on the ‘URLA Borrower Info’ screen.
RHS Refi Program: Updated the ‘Refi Type’ calculation for ‘RHS No Cash Out/Streamlined Refinance’ to ‘Streamlined Without Appraisal’ on the ‘URLA Lender Loan Info’ screen. Also made some minor changes to the ‘Fannie Mae DU / MISMO 3.4 (.XML)’ export file for RHS loans.
Scroll Bar: Corrected an issue on the ‘URLA Borrower Info’ screen where the scroll bar would be ‘nested’ in certain scenarios.
Retained Income Property Messaging: Added alerts to the REO editor to warn the user against selecting inconsistent values for the Intended Usage Type and Status. Alerts are now shown if (a) the Intended Usage Type is ‘Investment’ and the Status is ‘Retained – Non-Rental’ or (b) the Intended Usage Type is ‘Second Home’ and the status is ‘Retained – Rental’. An alert was also added to the Net Rental Income field to warn against overriding the value to $0.00 when no gross rental income has been entered.
About Screen
Fax Number: Removed the fax number for the Byte Software support department on the
‘About’ screen. Byte Software support no longer has a fax machine.
AFR Services Flood
New Interface: Added a new flood interface called ‘AFR Services’.
API
Conversation Log: Added the ability to add, delete, and edit conversation log entries using the API.
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BytePro Version: Added the BytePro version number to the API.
Adding Documents: Enhanced the process for adding documents to ensure database locking does not occur.
Arch MI
Access Hyperlinks: Added the ability to access hyperlinks returned by Arch MI to upload documents on non-delegated orders.
Audit Log
Modification: Modified the ‘Audit Log’ queries to eliminate potential database deadlocks.
Calyx Import/Export
Removed Feature: Removed the ability to import and export Calyx Point files.
Certified Credit Reporting
New Feature: Added a new request type of ‘Soft Inquiry Pre-Close’ for Certified Credit Reporting. A ‘Soft Inquiry Pre-Close’ is used to order an updated copy of the borrower’s credit report.
Closing Costs
New Closing Cost Lines: Added 10 new closing cost lines to both the 1100 series and the 1300 series.
Conditions Screen
Enhancement to Folder: Added the ‘Date Created’ and ‘Status’ to the right of the document name in the conditions folder. These new values are displayed when there are two or more documents attached to a single condition and the user clicks on the folder icon.
Consumer Portal
New Goal Options: Added new goals ‘Purchase Vacant Land’ and ‘Refinance Vacant Land’
to the ‘Let’s Get Started Page.’ To enable these new options go to Customize > Defaults > Consumer Portal and look for the setting labeled ‘Include Vacant Land Options for Goal field.’
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Months at Current Address: Resolved an issue that sometimes caused the ‘Months’ label to wrap to a new line.
Military Service: Resolved an issue where the military service secondary questions for the co-borrower were displayed upon adding the co-borrower instead of being hidden until the initial military question was answered ‘Yes’.
Income: Updated the Income fields on the Employment Screen to be hidden for the 2021 URLA when the ‘Your Income’ checkbox is unchecked in the ‘Optional Inquiry Pages’ section in the Consumer Portal defaults.
Unused Files: Removed unused files from the Web Portal and Consumer Portal installation packages.
Subject Property Details: Removed the ‘Year Built’, ‘Year Acquired’, and ‘Original Cost’
fields from the Subject Property section, as they are not used on the 2021 URLA.
CoreLogic Fraud
Enhanced Messaging: Enhanced error messaging to include more detail from CoreLogic in the event that a fraud report order failed.
Credit Ordering via SDK and API
Enhancement: Modified the API and SDK so that when a credit report is ordered, the selected bureaus (Equifax, Experian, and TransUnion) are determined based on the bureaus selected on the 'Credit General' defaults screen. In prior versions, the API and SDK would always order from all three bureaus. To force the API and SDK to order from certain bureaus, other than those specified in the defaults, set the following fields prior to ordering credit: Application.EquifaxIndicator,
Application.ExperianIndicator, and Application.TransUnionIndicator.
Credit Plus
Supplements: Added the borrower phone number to supplement orders.
Credit Report Interfaces – MeridianLink
Risk-Based Pricing Disclosure: Corrected an issue where a sixth factor was incorrectly being added to the ‘Key Factors’ section of the ‘Risk-Based Pricing Disclosure’ for all MeridianLink credit vendors.
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CTI – Credit Technology
New Features: Added a new request type of ‘Soft Inquiry Pre-Close’ and a new report type of ‘Mortgage Only with Score’ to the CTI – Credit Technology interface. A ‘Soft Inquiry Pre-Close’ is used to order an updated copy of the borrower’s credit report. A ‘Mortgage Only with Score’ is used to order a report with mortgage trade lines and scores.
Custom Screens
New Sorting Features: Added a ‘move to top of list’ button and a ‘move to bottom of list’
button to the ‘Create/Edit Custom Screens’ window. Also added a ‘Sort’ button and a button to move a row to a specified location in the list.
Custom Screens and Documents: Fixed an error that could occur under some conditions when searching for a screen or document using the ‘Find a Screen or Document’ link.
DataVerify Fraud
Default Browser: Changed the default browser from Internet Explorer to the user’s default browser for the DataVerify fraud interface.
Defaults
Synchronization: Added more characters to the ‘Fields to Exclude from Piggyback Synchronization’ setting on the ‘Synchronization’ default page. The setting can now contain 5,000 characters; previously the setting was limited to 1,000 characters.
Document Type Mapping
Mapping: Added the ability to input multiple comma-separated values in the ‘Doc Prep Code’ and ‘Doc Prep Code 2’ fields on the ‘Edit Document Type’ screen in the Security Manager. For instance, enter ‘311, 312’ into the Doc Prep Code field for the Security Instrument document type to allow either the value 311 or 312 to map to the Security Instrument.
DocMagic
New Option for Ink Signed Docs: Added the ability to not import ink signed documents during ‘Pushback’ for DocMagic. To enable this feature, go to the ‘DocMagic’ defaults and check the box for ‘Ignore Ink Signed Documents’.
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VA-1820 mapping: Corrected the mapping for occupancy for question 27(b), number 4, for the VA-1820 document.
VA-1820 new field mapped: Added VA.AnnualMaintenanceAssessment to the mapping for the VA-1820 form.
Docutech
SSA-89 Mapping: Updated mapping to accommodate changes to the SSA-89 form.
FHA 92900-A: Updated the Docutech interface to include new fields found only on the new 92900-A form (ConformX Doc ID CX24442).
4506-C: Changed the way the phone number is sent to Docutech for the 4506-C (box #5a) so that it’s now formatted with dashes.
FHA 92900-LT Mapping: Added additional mapping for loan purpose, construction, secondary financing, and gift information for the FHA 92900-LT.
Ernst Publishing
Updates: Added new state questions, fees, and endorsements.
Reissues: Updated the interface to never set the title insurance policy type to ‘Reissue’.
Reissue rates should not have been returned by prior versions of the interface, so this is a technical correction only.
E-sign – OneSpan Sign
Shared Email Address: Added the ability for multiple borrowers to use the same email address. When a single email address is shared by multiple borrowers, each borrower will get a separate email and signature. In prior versions, each borrower was required to have a unique email address.
Borrower First Name: Added the first name(s) of the borrower(s) to the subject line in the borrower email so that it now includes first and last name.
Factual Data Credit
Default Gateway: Removed support for the default gateway for the Factual Data credit interface. To select another gateway, go to the Factual Data defaults and look for the setting labeled
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BYTE-5295 BYTE-5783 BYTE-5667
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‘Gateway.’ This change applies to the legacy Factual Data interface that is labeled ‘Factual Data’. The change does not apply to the ‘Factual Data by CBC’ interface, which has not changed.
Fannie Mae
DU – Mapping for FHA Refinances: Modified the mapping for FHA loans to send the FHA mortgage first (from the REO list) for FHA refinances to help with FHA Scorecard submissions on 2021 URLA loans.
DO/DU Mapping and Validation:
Mapping:
Modified EmploymentPositionDescription to map to Position instead of both Position and Type of Business.
Modified FHALoanSponsorIdentifier to only send digits.
Modified FHALoanLenderIdentifier to only send digits.
Modified LandAppraisedValueAmount to also send if LandValueAmountType value is not Appraised.
Modified LandValueAmountType to only send if LandOriginalCostAmount or LandAppraisedValueAmount has a value.
Validations:
Removed the FHALoanLenderIdentifier mapping validation that was created under certain circumstances.
Created a RefinanceCashOutDeterminationType mapping validation when URLA Refi Type is ‘No Cash Out’ and MortgageType value is conventional.
Created a RefinanceCashOutDeterminationType mapping validation when URLA Refi Type is
‘Limited Cash Out’ and MortgageType value is either FHA or VA.
Removed a LandOriginalCostAmount mapping validation that was created under certain circumstances.
DO - Submission Option Window: Widened the Submission Option field on the ‘Submit to Desktop Originator’ screen so that the full sponsoring lender’s name is displayed.
Closing Costs: Updated the mapping for the DU Interface to include closing costs from a simultaneous synchronized second for 2021 URLAs.
DO – Object Permission: Added a new object permission that allows an administrator to prevent users from selecting a lender for Desktop Originator. Go to Security Manager > Object
Permissions > Actions and look for the permission labeled ‘Allow DO Lender Assignment’.
Community Lending: Removed the ‘Neighbors Eligible’ option for Community Lending on the Fannie Mae screen, as it is no longer used.
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Appraisal Waiver Indicator: Added an ‘Appraisal Waiver Indicator’ to the Underwriting screen to indicate whether the loan is eligible for a PIW from Fannie Mae. The value is imported from the Fannie Mae results.
Property Type Mapping: Modified ConstructionMethodType to be sent as ‘Manufactured’
when the Property Type is ‘Manufactured MH Advantage’ and the Manufactured Housing checkbox is checked. Modified ProjectDesignType to always be sent if both a valid value exists and
ProjectLegalStructureType is sent.
FHA 92900-LT
Source of Funds: Updated the 92900-LT screen to not display the ‘Fill’ button for ‘Source of Funds’ for 2021 URLA loans.
FHA Addendum to URLA - 92900-A
Jump Button: Updated the ‘Jump’ button label and the associated screen on the ‘FHA/VA Addendum 92900-A/26-1802a’ and ‘FHA Addendum to URLA’ screens to accommodate the 2021 URLA.
The ‘Jump’ button is now labeled ‘Jump to URLA’ and when clicked will jump to the ‘URLA Borrower Info’
screen.
Form Title: Removed the ‘VA’ text from the title of the HUD Addendum to Uniform Residential Loan Application.
FHA Connection
Test URL: Updated the URL for the FHA Connection test site.
FHA MIP
Upfront MIP Calculation: Updated the FHA upfront MIP calculation to drop digits past the second decimal instead of rounding them.
Fraud – MeridianLink
Assets: Fixed an issue that under certain conditions caused an REO that was not the subject property to be used in the analysis when the REO that was the subject property should have been used instead.
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Freddie Mac – Loan Product Advisor
LPA - Mapping and Validation:
Mapping:
Modified EmploymentPositionDescription to map to Position instead of both Position and Type of Business.
Modified FHALoanSponsorIdentifier to only send digits.
Modified FHALoanLenderIdentifier to only send digits.
Modified LandOriginalCostAmount to also send if ConstructionLoanIndicator value is False.
Added ‘Refi Possible’ to the ‘Freddie Mac Offering Identifier’ options and the MISMO 2.6 and LPA exports, if selected.
Modified PropertyInProjectIndicator to be exported as True if ProjectLegalStructureType is exported as either Condominium or Cooperative.
Validations:
Removed the FHALoanLenderIdentifier mapping validation that was created under certain circumstances.
Appraisal Waiver Indicator: Added an ‘Appraisal Waiver Indicator’ to the ‘Underwriting’
screen to indicate that an appraisal is eligible/not eligible/not available for a waiver from Freddie Mac.
The value is imported from the Freddie Mac results.
Property Type Mapping: Modified ConstructionMethodType to be sent as ‘Manufactured’
when Property Type is Manufactured MH Advantage and the Manufactured Housing checkbox is checked. Modified ProjectDesignType to always be sent if both a valid value exists and
ProjectLegalStructureType is sent.
Removed xlink for Previous Employer: Removed an unnecessary xlink for previous employers which caused a warning in certain situations.
Genworth Mortgage Insurance
Name Change: Updated the Genworth name and logo to the new name ‘Enact’.
Gift Letter
Grants: Updated the gift letter so that a copy of the gift letter is produced for grants as well as gifts.
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HMDA
2021 Updates: Made updates for the HMDA 2021 changes. Added a new option of
‘Internal Proprietary System’ to the AUS System dropdown field on the HMDA screen. Revised edit V695 to no longer allow the number zero (0) as a valid value.
Error Message: Corrected an issue where an ‘Errors were found’ message was displayed on the HMDA report screen when there were no errors.
IDS Document Preparation
Delivery Method Indicators: Added the ability to specify the delivery method in the BytePro user interface. Previously the delivery method had to be set on the IDS web site after submitting the package.
IRS Form 1098
IRS Form 1098: Corrected the calculation for boxes 2 and 6 on IRS form 1098 when the reporting year is the same as the origination year. Box 2 is now populating the outstanding mortgage principal and Box 6 is only populating discount points on a purchase.
Loan Estimate
MI Quote Button: Added a ‘Quote’ button on the Mortgage Insurance popup which is accessible from page 2 of the Loan Estimate. The new button allows the user to easily request a Mortgage Insurance quote.
Loan Programs
Copying Loan Programs: Increased the allowable length of the loan program code that a user can specify when copying a loan program. The new maximum length is 50 characters; the previous maximum length was 25 characters. Also increased the size of the following database fields:
LockHistory.LoanProgramName (changed from 50 to 100), DisclosureLogEntry.LoanProgramName (changed from 50 to 100), DisclosureLogEntry.LoanProgramCode (changed from 25 to 50), and Trade.LoanProgramName (changed from 50 to 150).
Macros
Parse Address: Added the ability for macros and the SDK to parse the subject property street field (SubProp.Street) into its component parts: house number (SubProp.ParsedHouseNumber), directional prefix (SubProp.ParsedDirectionPrefix), street name (SubProp.ParsedStreetName), street
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suffix (SubProp.ParsedStreetSuffix), directional suffix (SubProp.ParsedDirectionSuffix), and unit number (SubProp.ParsedUnitNumber). The following code below performs this function:
var obj= ev.File.GetChildObject('SubProp', false);
obj.Invoke("ParseStreetAddress");
New Method: Added a new method called ‘AddNeededItemsFromSet’ which can be called in a macro or through the SDK. It will add all the items from the specified ‘Needed Items Set’, unless the item already exists in the loan file. The following code example performs this function:
var count = 0;
count = ev.File.AddNeededItemsFromSet("SetNameHere")
los.Application.ShowMessageBox("Total Items Added " + count );
Object FieldNote: Added the ability for Object FieldNotes to be editable by macros. This enables the user to set this value via macros without having to set an initial value. The following code example illustrates the feature:
var noteCount: int = ev.File.GetCollectionCount("FieldNote");
var ffObj: SDKObject = null;
for (var i = 1; i <= noteCount; i++) {
var fflag = ev.File.GetCollectionObject("FieldNote", i);
if (fflag.GetField("FieldName") == "BaseLoan" && fflag.GetField("ObjectTableName") ==
"Loan")
{ ffObj = fflag; } }
// If not found, create a new FieldNote.
if (ffObj == null) {
var loanObj = ev.File.GetLoanByIndex(1);
var index: int = ev.File.AddCollectionObject("FieldNote");
if (index > 0) {
ffObj = ev.File.GetCollectionObject("FieldNote", index);
if (ffObj != null)
{ ffObj.SetField("FieldName", "BaseLoan"); ffObj.SetChildObject("RecordBase", loanObj); }
} }
ffObj.SetField("FollowUpFlag", 1 /*red*/);
MISMO Exports
Mapping: Made various minor mapping changes for the MISMO 3.3 and 3.4 export.
MISMO Imports
Improved Messaging – Duplicate ULI: Enhanced the messaging for a new MISMO file import when the ULI already exists in the database.
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Overridden Fields: Enhanced the MISMO 3.4 import to not override fields if the imported value matches the calculated value. For example, suppose the following information is contained in the MISMO file: interest rate = 3.5%, loan amount = $300,000, term = 360 months, and P&I = $1,347.14. In prior versions, when the file was imported the override value for the P&I payment (Loan.PIOV) was set to $1,347.14. If the loan amount was subsequently changed to a different value, the P&I payment would not be updated because it is overridden. Starting with version 21.2, the import function will recognize that $1,347.14 is the correct calculation based on the interest rate, loan amount, and term, so the override value will not be set, allowing the calculated value to be used. If the loan amount is
subsequently changed to a different value then the P&I payment will be updated automatically because it is not overridden.
Former Employment Income: Updated the MISMO 3.4 import to exclude income records associated with former employment.
Loan Program Code and Loan Program Name: Updated the MISMO 3.4 import to no longer import the loan program name and the loan program code if they exist in the MISMO 3.4 file.
Mortgage Insurance Interfaces
Mapping: Made various minor mapping changes for mortgage insurance interfaces.
New File Screen
Import Source: Reordered the Import Source options on the ‘New File’ screen by placing the MISMO File (*.XML) first, followed by the Fannie Mae 3.2 file (*.FNM).
Offline Mode
Removed Support: Removed Support for Offline Mode in BytePro Enterprise. Offline mode is a rarely used feature that allows a loan officer to start a loan file without being connected to the database, then upload the file later when the database is connected.
Optimal Blue
New Field: Added a new field for the Optimal Blue Lead Source on the ‘Pricing and Lock Request’ and ‘Secondary Marketing’ screens. The lead source mapping is configured via the setting labeled ‘Lead Source Mapping’ on the Optimal Blue defaults page. The field will not appear in the user interface until the mapping setting has been configured in the defaults.
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Cash-Out Amount: Added a new field labeled ‘Not Cash-Out for PPE’ on the Related Loan screen. The field appears only for refinance transactions where the ‘Concurrently Closing’ checkbox is checked. When the ‘Not Cash-Out for PPE’ box is checked, the proceeds from the related loan record will not be included in any cash-to-borrower transmitted to Optimal Blue. The list of related loans appears on the ‘URLA Borrower Info’ screen under the heading ‘Other New Mortgage Loans on the Property You are Buying or Refinancing’.
Self-Employment: Modified the mapping of the Optimal Blue self-employment field. In prior versions ‘Yes’ was transmitted to Optimal Blue only if the primary borrower was self-employed.
Starting with version 21.2, ‘Yes’ is transmitted if any of the borrowers are self-employed.
Overview Panel
Application Selector: Added the application drop-down list to screens that appear in the overview panel on the right hand side of the screen. The application drop-down list allows the user to switch between loan applications when the loan file contains two or more borrower pairs (i.e.
applications). The list is displayed for certain screens such as the ‘URLA Borrower Info’ screen where the screen content can be different for each application. For example, in prior versions if there were two or more applications on the loan file and the ‘URLA Borrower Info’ screen was displayed on the right-hand side of the screen, then the application drop-down list was not displayed; starting with version 21.2 the application drop-down list will be displayed in this situation.
Parties
Autofill from Cardex: Added a new prompt for the user that appears when the user types a name into a party field that matches an existing entry in the Cardex. For instance, suppose the Cardex contains two entries for ABC Title Insurance Company, one at 123 Title Road and the other at 456 Escrow Drive. When the user types ‘ABC Title Insurance Company’ into the Company field on the Parties screen, a new prompt now appears: ‘A matching entry has been found in the Cardex. Would you like to update the other fields in this party to match the Cardex entry?’. If the user selects ‘Yes’ then the street address will be filled with ‘123 Title Road’ and other associated fields from the Cardex entry will also be populated; if the user selects ‘No’ then any existing value in the street field and other associated fields will not be altered. Selecting ‘No’ may be desirable if, for instance, the street address already contains the correct value such as ‘456 Escrow Drive’. In prior versions there was no prompt and the associated fields were filled automatically.
Partners
New Services: Added the following new
services for Partners: Partners 4506, Partners SSA Verification, Partners VOA, and Partners VOE. Also updated the Partners Credit interface by added ‘PreQual’ and ‘MTGONLY’ to the list of available report types.
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BYTE-4712 BYTE-4713 BYTE-4714 BYTE-4715
Performance Improvements
Drop-down Lists: Improved performance of custom screens that have custom fields that display a large number of items in a drop-down list.
Reports
XLSX support: Added a new report type ‘Excel (.xlsx)’ for management reports. The previous Excel report type has been relabeled ‘Excel (.xls)’.
Pipeline View: Corrected an issue where a row in a Pipeline report would disappear after it was initially selected if the report employed ‘Prompt at Runtime’ filters.
Date Modified Column: Added the report’s date modified to the list of columns that is displayed when viewing the list of available reports.
Caption Column: Added the field’s caption to the list of columns that is displayed in the Report Design window when viewing the list of fields that are included in the report.
SBS Appraisal and Title Services
Submission Message: Fixed an issue where the success message was not displaying after a successful appraisal or title services submission.
SDK
Freddie Mac: Corrected an issue where 2021 URLA loans submitted to Freddie Mac via the SDK were not being saved correctly.
Security Manager
Multiple User Editing: Added new messaging to advise administrators of the
consequences if they choose to turn off multiple user editing. (It is strongly recommended to leave multiple user editing enabled.) The multiple user editing option is on the ‘Login Control’ tab in the Security Manager.
ServiceLink National Flood
Mapping: Added the logged in user’s contact information to the list of fields transmitted to ServiceLink National Flood when ordering a flood report.
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SettlementOne 281 Credit
Account ID Fields: Added ‘Account ID’ and ‘Account ID Option’ fields to the defaults for SettlementOne 281 Credit.
New Request Type: Added a new request type of ‘Soft Inquiry Pre-Close’. A ‘Soft Inquiry Pre-Close’ is used to order an updated copy of the borrower’s credit report.
SSA-89 Form
Updates: Updated the SSA-89 form to version 12-2020. Users have until September 30, 2021, to transition to the updated form.
Non-Borrowers: Added the ability to print the SSA-89 for non-borrowers that appear on the title.
Stored Documents
Drag and Drop: Updated the Stored Documents screen to allow users to drag and drop new documents directly onto the list of documents. In prior versions users were prevented from dragging and dropping onto the list of documents.
SQL Database
Stored Procedures: Removed encryption from stored procedures.
Synchronized Loans
Closing Costs on Simultaneous Financing: Updated the calculation for the ‘Closing Costs on Simultaneous Financing’ field that appears on the ‘Other Credits’ popup from the ‘Details of
Transaction’ section of the ‘URLA Lender Loan Info’ screen. This field appears for synchronized loan files.
The calculation now includes any mortgage insurance premiums that are paid in cash, and it also accounts for closing costs and discount points that are overridden.
Taxpayer Consent form
Taxpayer Consent Form: Added the following wording to the form: “I understand,
acknowledge, and agree that the Lender and other Loan Participants can obtain, use, and share personal tax return information, and, as applicable, business tax return information, from every business tax return for which my Lender has obtained a form 4506-C or 4506-T.”
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Telephone Certification of Employment
Phone Number: Added the Employer Phone Number to the Telephone Certification of Employment document.
ULDD
Hint: Added a new hint on the Underwriting tab of the ULDD screen for second homes and investment properties in the ‘Qualifying Details’ section. The hint explains that on second homes and investment properties, the ‘Total Proposed Monthly Housing Expense’ value is calculated using the present housing expense amount.
Freddie Mac Only – Credit Reference Number: Added mapping to include the credit reference number without having to check the ‘Order Merged Credit’ checkbox.
Freddie Mac Only – Loan Foreclosed: Updated the ‘Loan Foreclosed’ field on the ULDD
‘Borrower’ tab to a calculated field based on the answers in the ‘Declarations’ section on 2021 URLA loans.
Freddie Mac Only – Income: Added a ‘0’ to the ULDD mapping (Borrower Qualifying Income Amount) for borrowers with no income so the user doesn’t have to create an income of ‘0’ to comply with ULDD.
VA Form 26-1880 - Request For A Certificate Of Eligibility
Form Update: Updated this form to the latest version.
VA Form 26-8923 – Interest Rate Reduction Refinancing Loan
Worksheet
Form Update: Updated this form to the latest version.
VA Funding Fee
Down Payment Calculation: Added a new default setting that determines how the down payment percentage is calculated for the purpose of determining the VA funding fee for purchase transactions. Go to Customize > Defaults > Prepaids and look for the setting labeled ‘VA Funding Fee Down Payment Calc.’ Select ‘Lesser of Purchase Price or Appraised Value’ to use the lesser of the
purchase price or appraised value. Select ‘Purchase Price Only’ to use only the purchase price, regardless of the appraised value amount. See the ‘Explain’ link next to the default for more information.
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Cancel Order: Added the ability to cancel an order with the ‘ValueLink Software Enhanced’ interface.
ValuTrac Software
New interface: Added a new appraisal interface called ‘ValuTrac Software’.
VOE Interfaces
ReVerify: Fixed a problem that prevented the ReVerify order type from working for orders submitted to The Work Number. This problem affected the following VOE interfaces: ‘Certified Credit Reporting VOE’, ‘CIS Credit Solutions VOE’, ‘Credit Plus VOE’, ‘Credit Technologies VOE’, and
‘Universal Credit Services VOE’.
Web Portal
Object Permissions – Loan Product Advisor: Corrected an issue where the object permissions were not honored for Loan Product Advisor in the Web Portal.
New File Creation: Improved the error message that is displayed to the user when the user attempts to create a new loan file using a legacy Fannie Mae 3.2 file instead of a MISMO 3.4 XML file.
Unused Files: Removed unused files from the Web Portal and Consumer Portal installation packages.
Xome LenderX
New Features: Added the ability to automatically assign document types to imported Xome LenderX documents. To set this up, go to the Xome LenderX defaults screen, look for the section labeled ‘Document Type Mapping’. Also added the ability to update the due date of the appraisal from Xome LenderX. To do this, click the ‘Copy to File’ button to the right of the ‘Due Date’ field on the Xome LenderX screen.
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