What's New February 2026

Excluding Seller Fees from Borrower Closing Costs for Loan Product Advisor and Desktop Underwriter

Corrected an issue where seller fees (costs) were not excluded from the calculations for borrower closing costs submitted to Loan Product Advisor (LPA) and Desktop Underwriting (DU) services. The issue was resolved by ensuring the appropriate field mappings are applied with seller fees are added to the Fees associated with transaction calculations settings.

To exclude a seller fee or cost from the borrower closing costs, enter the fee(s) on the Calculations > Fees page with the Section option set as Other and the Paid By options set as Seller.

Fulfillment Options within SmartSign Plus

When SmartSign Plus is used, the Fulfillment Options section now includes an Electronic Delivery option. This allows the package to be emailed to recipients, who can print it for wet signatures if needed. Recipients may be Settlement Agents entered in Administration and shared with Organization or any individuals listed in the Recipients table.

Updated the schema mapping to adhere to MISMO 3.4 data requirements in regard to expected values of the Credit and DocumentPreparation service types included in the request submitted to the LPA platform. The Credit Service request has been updated to reflect the correct code for Credit Provider used to obtain a credit report. Additionally, the interface has been updated to support PDF format versions of documents received in response (for example; Full Feedback Certificate, Merge Credit and Doc Checklist), to allow for full, PDF viewing. Previously, the PDFs were viewed in a CSS-stylesheet based manner.

We have updated the platform to support the import of language preference information through the Mortgagebot interface. The import allows language preferences for each borrower or co-borrower (party), bringing the imported preferences to the corresponding application page and ensuring it is included in the printed Fannie Mae Freddie Mac 1103 Supplemental Consumer document in the language preference section.

All data mapping supporting this enhancement is based on the standard industry loan application (iLAD) data and Fannie Mae (FNM) Version 3.4 (based on the MISMO 3.4 specification).

The Veterans Affairs Debt Questionnaire has been revised to generate a separate document for each Veteran borrower or each surviving spouse of a Veteran. Previously, the form was produced as a single instance per transactionUniform Closing Dataset (UCD) Phase 4 Critical Edits.

The Veterans Affairs Request for Determination of Eligibility for Surviving Spouse has been revised to generate a separate document for each surviving spouse of a Veteran, and the Deceased Veteran Date of Death should be populated on the Document Data page. Previously, the form was produced as a single instance per transaction.Remove Non-Supported Organizations from Options List.

The Prevailing Interest Rate Commitment-NY has been updated to prevent over-selection by requiring the lender to proactively request the form. This is done by selecting “Lender Wants Commitment for Unlocked Loan” under the Note section of the Document Data page. Previously, the form could be generated automatically without this explicit selection.

The Acknowledgment of Fair Market Value of Homestead Property-TX has been updated to make notarization optional. To include notarization on the form, “Include Notary Acknowledgments” should be selected on the form.