What's New 2025

See eOriginal SmartSign® Plus for more information.

Added the ability to configure package carrier options available for fulfillment when using an eSign Policy. You can select carriers from a list of supported carriers to limit (or expand) the package carriers options available for print fulfillment on the Print Fulfillment Information section. When not using a policy, the options include USPS First Class and USPS Priority.

Updated the data mapping for requests using the MISMO v3.4 schema to now include rounding on SOFR index values to adhere to best practice guidance published by Freddie Mac and Fannie Mae. The agencies support a maximum of 4 decimal places and an error message was returned when an adjustable-rate percent value exceeded the 4 decimal limit. The issue was resolved by updating the calculations to now round the rate value when containing 5 or more decimals prior to submitting.

Corrected an issue that caused line spacing issues on the printed amortization schedule. The issue resulted in split payment lines on the generated PDF of the Amortization Schedule (Calculations tab).

Updated the application to correct an issue that caused the sum amount on the document to print as $0.00 if a comma was included in the dollar amount format entered on the Down Payment to General Contractor Amount field on the Document Data page. The result was that a total amount value including a comma (for example, 10,000.00) printed on the document as $0.00 as the sum in the construction agreement section.

As part of our commitment to security, we have updated all integrated applications (interfaces) to ensure that all imported files are processed through our enterprise antivirus and malware detection systems prior to entering the application as file attachments. This effort is aimed at reducing the risk of application users downloading potentially malicious files to their computer or network.

As part of our commitment to security, we have updated the Vanceo application to ensure that all uploaded files are processed through our enterprise antivirus and malware detection systems prior to entering the application as file attachments. This effort is aimed at reducing the risk of application users downloading potentially malicious files to their computer or network.

Updated the Fees section to include an additional option, Closing Agent, in the Paid By Description list when the Paid By option is set to Other. This update allows you to specify the party paying for a fee as the closing agent in the loan information submitted through the Loan Product Advisor (LPA) interface.

Updated the Freddie Mac Loan Product Advisor® (LPA) interface to allow viewing and saving of verification services information in the Verification Services section of the LPA Interface View page.

Added the Appraisal Waiver option to the Valuation Method drop-down list. This update enables support for ACE+ PDR collateral valuation to originate eligible loans without an appraisal through the Loan Product Advisor (LPA) interface.

The appraisal waiver valuation method lets the lender obtain the automated collateral evaluation (ACE) + property data report (ACE+ PDR) to reduce the cost to the borrower. When the feedback indicates that collateral is eligible for ACE+ PDR, the lender will let the appraiser know to order the PDR through the Appraisal Management Company. The appraiser then submits the PDR through the ACE API interface to obtain an ID for the property (PropertyDataIdentifier). This identifier is then entered on the Appraisal Identifier field and resubmitted to obtain the Collateral R&W relief on the appraisal.

Corrected an issue that caused the sum amount on the document to print as $0.00 if a comma was included in the dollar amount format entered on the Total of Construction field on the Document Data page. The result was that a total amount value including a comma (for example, 10,000.00) printed on the document as $0.00 as the sum in the construction agreement section.

Added the ability to designate a "short" name for fees in Administration under the Fees & Charges page. The new field, Fee Short Name, is optional and allows you to enter a text description for the given fee in Administration. With this change, the User Fee Name field has been renamed to User Defined Fee Name. Previously, a Fee Short Name option was only available at the transaction level. When a fee is added to a transaction from a fee policy on the calculations page, the fee short name is included in the transaction and printed on documents.

Corrected an issue that caused the late fee text on documents (example; Loan Estimate, Closing Disclosure) to print incorrect values when the MLA Applies option was selected and then subsequently cleared on a transaction. When cleared, after having been selected, the late fee description does not update based on the MLA Applies option being unselected (cleared).

The result is that the document(s) prints with inaccurate late fee language based on the Late Charge percent of the [text] option on the Calculations page. The expected behavior is that, when cleared, the MLA Applies option ensures the Late Charge percent of the [text] option displays the text description from the fee policy as defined in the administration module. When selected, the MLA Applies option ensures the display of the Late Charge percent of the [text] description which by default is the predefined “overdue payment of principal and interest” text.

Corrected an issue in the transaction date value that resulted in the template create date and not the transaction create date being used when creating transactions from a template. Specifically, the non-TRID application date was incorrectly defaulted to read the template create date. For existing transactions, you can correct this by editing the document in the transaction's document data page or clearing (removing) the date from the template on documents displayed on the document data page.

Corrected an error when attempting to transfer loans from an outside platform to a Vanceo account. The issue prevented loan information (loans) from other platforms such as ComplianceOne Lending or ARTA from successfully importing to the platform and, as a result, the loans were not available in the list of transactions (transaction grid).

Updated to the newest specification, version 5.4, for Loan Product Advisor® (LPA). With this change, the LPA specification v5.2 will be retired on March 1, 2025, and all transactions will use the new v5.4 specification. This new specification is now included in all requests submitted on the MISMO 3.4 specification.

Learn more about the Loan Product Advisor Specification v5.4.