bytepro 21 - byte software
TRANSCRIPT
BytePro 21.1
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.
* 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.
Component 21.1 Initial Release (21.1.7689)
21.1 Revision A (21.1.7697)
21.1 Revision B (21.1.7712)
21.1 Revision C (21.1.7726)
21.1 Revision D (21.1.7744)
21.1 Revision E (21.1.7808)
21.1 Revision F (21.1.7830)
21.1 Revision G (21.1.7839)
21.1 Revision H (21.1.7858)
Client Application *
Web Portal **
Consumer Portal **
Pushback Services **
Optimal Blue Web Services **
LOS Web Service **
Database Installer / Updater
AutoIndexer
Database Utilities
PDF Installer
Required Required Required Required Required Required Required Required Required
Required Required Required Required Required Required Required Required Required
Required N/R N/R N/R N/R N/R N/R N/R N/R
Required N/R N/R N/R N/R N/R Required N/R N/R
Required N/R N/R N/R N/R N/R N/R N/R Required
Required N/R N/R N/R N/R N/R N/R N/R N/R
Required N/R N/R N/R N/R N/R N/R N/R N/R
Required N/R N/R N/R N/R N/R N/R N/R N/R
N/R N/R N/R N/R N/R N/R N/R N/R N/R
N/R N/R N/R N/R N/R N/R N/R N/R N/R
URLA Survival Guide The Byte Software 2021 URLA Survival Guide is your best resource for getting answers to how BytePro works with
the 2021 URLA. Download the Survival Guide now.
Note: For pre-2021 loan files, you can submit to Fannie Maeâs Desktop Underwriter via the interfaces labeled âDU
on the Webâ or âDU XISâ. However, for 2021 loan files, Fannie Mae no longer supports âDU on the Webâ, so only
the âDU XISâ interface is available. Similarly, for pre-2021 loan files, you can submit to Desktop Originator via the
interface labeled âDO on the Webâ, however for 2021 loans you must submit to DO using the new âDO XISâ interface.
21.1 Revision H
DocMagic
ATR Assessment Method: Updated the DocMagic mapping to eliminate an audit error that occurred
when the ATR Assessment Method is âQM - Agencyâ.
Mailing Address: Updated the DocMagic mapping to address a condition that could cause disclosures
to get incorrectly delivered to the subject property address.
Print and Deliver: Added a default setting to enable an administrator to hide the âDSI to Print and
Deliver to Borrowerâ option on the DocMagic interface screen. This setting can be configured on the DocMagic
defaults screen.
FHA Conditional Commitment
Updated the FHA Conditional Commitment document that can be printed directly from BytePro.
Optimal Blue - Pushback Service
Resolved an issue that caused errors in the Optimal Blue pushback service when it is under very high
load.
21.1 Revision G
BYTE-5777
BYTE-5762
BYTE-5774
BYTE-5773
BYTE-5779
Juneteenth Federal Holiday
Added support for the new Juneteenth National Independence Day holiday. Earliest closing date
calculations will be updated automatically upon opening the loan file. Be sure to go to Defaults > Business Days and
make sure that the Juneteenth holiday is checked appropriately for whether or not your business is closed on
Juneteenth. The checkbox affects certain calculations such as the 10 business day calculation for when the fees
expire on page 1 of the Loan Estimate, but the checkbox does not affect the calculation of the earliest closing date.
QM - General (Price Based)
Provisional Result: Corrected an issue that caused the QM test result to be flagged as Unknown when
the ATR Assessment Method is âQM - General (Price Based)â and the rate is not locked. With this correction in
Revisions G, in the event that the rate is not locked then todayâs date will be used to determine the Average Prime
Offer Rate and the corresponding test result will be flagged as provisional.
Application Date Check: Removed the component of the QM test that required that the application
date be on or after March 1, 2021 when the ATR Assessment Method is flagged as âQM - General (Price Based)â.
Loans that have an application date earlier than March 1, 2021 can now pass the QM test.
API
High CPU Usage: Corrected an issue that was introduced in Revision E that could cause the API to
result in high CPU usage under unusual circumstances.
21.1 Revision F
General QM Final Rule
QM: Added support for the General QM final rule. For detailed information and implementation
strategies, please see our QM Final Rule Guide.
API
IRS 4506 Form: Fixed an issue that prevented the API from associating borrowers with IRS4506 and
SelfEmpInc objects.
Create File: Added the ability for the API to create a file using both a template and a Fannie Mae file.
Appraisal Shield
New Interface: Added a new appraisal interface for Appraisal Shield.
BYTE-5740
BYTE-5736
BYTE-5736
BYTE-5731
BYTE-5697
BYTE-5678
BYTE-5690
BYTE-5677
DataVerify Fraud
Export: Fixed an issue that prevented the DataVerify DRIVE interface from working when the
Origination Channel is Wholesale and the loan file is assigned to an Organization where the Organization Type is
Broker.
Docutech
VA Loan Summary: Fixed an issue that caused the current income total to not display on line 50 of
the VA Loan Summary.
Document Pushback: Added the ability for the Docutech pushback service to assign the BytePro
Document Type based on either the Docutech CxID or the Docutech Doc Type.
Fannie Mae
Validation â Product Description: Removed the ProductDescription validation error for Standard
LCOR for 2021 URLA loans. Standard LCOR can be selected from the Product Description field on the DU XIS or DO
XIS screen to opt out of the Fannie Mae RefiNow program.
File Opening
Improved Speed: Improved the speed of opening a loan file.
Macros
Store Compiled Macros: Added the ability to reduce the application startup time by loading compiled
macros from the local disk drive instead of compiling macros each time the program starts. Contact Byte Software
for details.
21.1 Revision E
2021 URLA
Liabilities: Updated the âLiabilitiesâ balance and payment totals on the âURLA Borrower Infoâ screen to
not include liabilities that are marked as âNot Countedâ.
BYTE-5674
BYTE-5691
BYTE-5692
BYTE-5688
BYTE-5617
BYTE-5663
BYTE-5540
MISMO 3.3/3.4 Import: Updated the MISMO 3.3/3.4 import to not import the Application Date for
2021 URLA loans.
API
Loan Search: Added the ability to search by date and time; previously searches could only be
performed on whole dates. Include both the date and time in the filter fields, and also set the new FilterUseTime
attribute to 1. Supported filter types include greater than, greater than or equal to, less than, less than or equal to,
and between.
DocMagic
Mapping - Construction Fields: For Construction and Construction to Permanent loans, added
mapping for TRID Purpose and corresponding URLA Loan Purpose.
Mapping - Refinance Type: Updated mapping for refinance type for 2021 URLA loans with H9
rescission notice to export the selected âRefinance Purpose Typeâ instead of Cash Out Other.
VA IRRRL: Fixed a problem that caused the VA IRRRL origination fee to calculate incorrectly under
certain circumstances for 2021 URLA loans.
Document Preparation Interfaces
Case Number Assignment Date: Modified the Docutech, DocMagic and IDS document preparation
interfaces to transmit a blank value for âCase Number Assignment Dateâ when the value is blank. Previously if the
case number assignment date was blank, a value would be sent over based on selected MIP Period. For instance, if
the MIP Period was 'On or After 9/1/2019' and the case number assignment date was blank, the value 9/1/2019 was
transmitted.
Docutech
Application Taken Method: Corrected an issue where, if the Borrowers position was moved or
switched on a 2021 URLA application, the corresponding âApplication Taken Methodâ was not moving with the
borrower to the correct position. This only affected subsequent submissions to Docutech.
Fannie Mae
Validation - Attachment Type: Modified the validation message for âAttachment Typeâ so that it
corresponds with the âAttachment Typeâ field instead of the âSubject Property Typeâ field for 2021 URLA loans.
Validation - Refi Program: Modified the validation message for Refi Program (government loans only)
to display a hint instead of a Refi Program selection for 2021 URLA loans. The hint directs the user to either the Refi
Type or Refi Program fields in the Refinance Section on the URLA Lender Loan Info screen.
BYTE-5452
BYTE-5565
BYTE-5551
BYTE-5577
BYTE-5587
BYTE-5493
BYTE-5615
BYTE-5482
BYTE-5494
Validation - Account Number: Removed the validation message for asset account number for the DU
interface for loans using the 2021 URLA.
Freddie Mac
Validation - Attachment Type: Modified the validation message for âAttachment Typeâ so that it
corresponds with the âAttachment Typeâ field instead of the âSubject Property Typeâ field for 2021 URLA loans.
Validation - Refi Program: Modified the validation message for Refi Program (government loans only)
to display a hint instead of a Refi Program selection for 2021 URLA loans. The hint directs the user to either the Refi
Type or Refi Program fields in the Refinance Section on the URLA Lender Loan Info screen.
Validation - Account Number: Removed the validation message for asset account number for the LPA
interface for loans using the 2021 URLA.
Program and Vendor Additions: Added âCHOICE Homeâ, âCHOICE Renovationâ, âGreen CHOICEâ, and
âHome Oneâ to the âOffering Identifierâ drop-down list on the Loan Product Advisor System to System screen. Also
added CoreLogic and LoanCraft to the âVendor Typeâ drop-down list in the Verification Services table on the Loan
Product Advisor System to System screen.
Gift Letter
Relationship: Updated the Gift Letter to display the âRelationship to Borrowerâ instead of the âSourceâ
for the Relationship field on the form.
IDS Document Preparation
Debts to be Paid Off: Subtracted the amount of calculated debts to be paid off from âAdjustments and
Other Creditsâ sent to IDS for the TRID Loan Estimate (Purchases only) for URLA 2021 loans.
MISMO 3.3/3.4 Export
Mapping: Made a technical change to the MISMO 3.3 and 3.4 export files. An xlink:label attribute was
added to the EMPLOYER element. These file formats are sometimes used by certain document preparation
companies other than DocMagic, IDS, and DocuTech.
MortgageBot
Import: Fixed a problem that prevented 2021 URLA files from being imported from MortgageBot.
Mortgage Insurance Interfaces
Self-Employed Income: Updated the mortgage insurance interfaces to send income type of âBaseâ for
primary and secondary self-employment income on 2021 URLA loans.
BYTE-5560
BYTE-5482
BYTE-5494
BYTE-5560
BYTE-5579
BYTE-5602
BYTE-5492
BYTE-5568
BYTE-5578
BYTE-5545
Occupant Housing Ratio
Calculation: Corrected the âOccupant Housing Ratioâ to no longer include non-occupant housing
expense for 2021 URLA loans.
Performance Improvements
Performance Enhancements: Made several
performance improvements. Notably, reports now use a temporary table to populate the list of organizations
instead of calling the table valued function fn_GetChildOrgIDs.
ULDD
Freddie Mac - Counseling Type and Format: Updated the Freddie Mac ULDD export file to always
include the Counseling Type and Format instead of conditionally including them.
User Profile
Employee ID: Resolved an issue where the Employee ID was not being saved in the User Profile in
Security Manager.
21.1 Revision D
Details of Transaction
Borrower Closing Costs - Override: Adjusted the Fannie Mae DO/DU interface, Freddie Mac LPA
interface, document preparation interfaces, and mortgage insurance interfaces so that the correct value is
transmitted for line F âBorrower Closing Costsâ when (a) line F is overridden and (b) there are mortgage insurance
amounts included in line F.
DocMagic
Details of Transaction: Corrected an issue that caused mortgage insurance amounts to be doubled in
line F âBorrower Closing Costsâ.
VA IRRRLs: Fixed an error that occurred when submitting a VA IRRRL to DocMagic.
Synchronized No Payment Loans: Corrected an error that occurred when submitting a synchronized
first loan that is linked to a second loan where the amortization type is âNo Paymentâ.
BYTE-5595
BYTE-5580 BYTE-5581 BYTE-5582 BYTE-5583 BYTE-5591
BYTE-5614
BYTE-5598
BYTE-5369
BYTE-5369
BYTE-5430
BYTE-5394
Docutech
Originator Information: Updated the field mapping for the originator information fields.
Fannie Mae DO/DU
Import Log: Modified the interface so that users are no longer prompted to view the import log when
there are warnings on a successful submission to DO/DU. If desired, the import log can be accessed via a new button
labeled âView Warnings/Errorsâ.
Supplemental Property Insurance: Fixed a problem that caused supplemental property insurance
(e.g. flood, windstorm, and earthquake insurance) to be dropped when submitting an FHA or VA loan.
Credit Aliases: Fixed a problem that occurred when submitting a loan file that had a blank credit alias
record (i.e. the credit alias record existed in BytePro, but the first, middle, and last names were all blank).
Freddie Mac - LPA
Down Payment Information: Modified the interface to send down payment information only for FHA
and Home Possible loans. Also fixed a problem with the mapping of the down payment type âSecured Borrowed
Fundsâ.
Property is in a Project Indicator: Modified the interface so that the âProperty is in a Project Indicatorâ
indicator is set to false for PUDs.
IDS Document Preparation
4506-C: Fixed an error that prevented the spouseâs information from printing on the 4506-C under
some circumstances.
MISMO Import
Object Reference Error: Fixed an object reference error that occurred when importing a MISMO file
that does not contain a LOAN_DETAIL element.
Synchronized Loans
Related Loans: Fixed an issue that prevented the user from editing certain related loan information on
loan files that had previously been synchronized, but are no longer synchronized.
URLA Borrower Info
Section 4: Fixed an issue that under certain conditions caused section 4 âLoan and Property
Informationâ to be cut off on the printed âURLA Borrower Informationâ document.
BYTE-5423
BYTE-5323
BYTE-5391
BYTE-5419
BYTE-5404
BYTE-5410
BYTE-5397
BYTE-5415
BYTE-5386
BYTE-5440
Liabilities and Expenses Totals: Added totals on the âURLA Borrower Infoâ screen for the total
liabilities and total expenses. These values do not print on the form; they are for reference only.
REO Property Value: Updated the screen so that property values of $1,000,000 or more display fully.
Net Rental Income: Updated the logic in section 4c. âRental Income on the Property You Want to
Purchaseâ so that net rental income is displayed only on purchase loans that are investment properties or 2-4 unit
primary residences. In prior versions the subject property cash flow was displayed for purchases that were
secondary residences.
URLA Lender Loan Info
Interest Only Checkbox: Updated the checkbox so that it is no longer checked for âNo Paymentâ loans
where the interest rate is zero.
Web Portal
URLA Version: Fixed a problem that prevented users from importing pre-2021 URLAs when the user is
part of a correspondent organization.
21.1 Revision C
Factual Data Credit Reports
Credit Report Stored Document: Fixed an issue that caused the stored Factual Data credit report to
be deleted when the Fannie Mae DO or DU interface was run for loan files using the 2021 URLA. This issue affected
only the âFactual Dataâ interface; the âFactual Data by CBCâ interface was not affected.
Fannie Mae DO and DU
Other Income: Fixed an issue that caused Fannie Mae to count only the first âOther Incomeâ record of
a particular type when multiple records of the same type exist. For instance, if two âFoster Careâ records are entered,
each for $600, then Fannie Mae counted only $600 in foster care income. This fix causes the full $1,200 to be
counted. In prior versions the work-around is to enter the full amount in a single record, so in the foster care
example you could work around this issue by deleting the second foster care income record and entering $1,200 in
the first record. Note that this issue did not affect multiple âOther Incomeâ records of different types. For instance, if
you had one foster care record for $1,200 and one alimony record for $3,000 then Fannie Mae would correctly
calculate a total of $4,200 in other income.
Omitted Mortgages and HELOCs: Modified the DO and DU interfaces to send the Omitted flag to
Fannie Mae for Mortgages and HELOCs in addition to other types of liabilities. The Omitted flag may be necessary in
the event that a borrower is obligated on a mortgage but a different obligated party is actually paying the mortgage.
In previous versions the Omitted flag was sent only for non-mortgage and non-HELOC liabilities.
BYTE-5299
BYTE-5420
BYTE-5408
BYTE-5412
BYTE-5379
BYTE-5329
BYTE-5315
BYTE-5331
Fannie Mae DO
List of Lenders: Corrected a problem that prevented the DO interface from being able to obtain the
list of lenders.
Copy Loan File
URLA Version: Modified the loan file copy feature so that âStandardâ and âLimitedâ copies that are
created after the URLA implementation date are flagged to use the 2021 URLA. For instance, if you copy a loan file
on March 15, 2021 using the âStandardâ copy option, the copy will be flagged to use the 2021 URLA, even if the
source file uses the classic URLA. Copies that are created using the âFullâ copy option retain the source fileâs URLA
version.
URLA Lender Loan Information
Printed Document: Fixed an issue that caused the Lender Loan Information document to be
formatted incorrectly when no header is included on the document. A header is included when a logo, barcode,
and/or license information is configured to print on the document. A work-around for this issue is to configure a
logo, barcode, or license information to print on the document by editing the information in the Documents tab of
the Security Manager.
Document Preparation Interfaces
Mortgage Type: Modified the document preparation interfaces to transmit âStateAgencyâ or
âLocalAgencyâ when the corresponding mortgage type is selected in BytePro when using the 2021 URLA. In prior
versions the mortgage type was transmitted as âOtherâ under these conditions.
Continuation Sheet: Added mapping for the URLA Continuation Sheet for Docutech and IDS.
LTV Calculation
LTV: Corrected the following LTV calculation issues.
(1) Modified the LTV calculation so that all loans that are treated as refinances use the appraised value exclusively
for the denominator when the âLTV Calculation Methodâ is set to âRehabâ. Loans that are treated as refinances
include: (a) loans where the loan purpose is âRefinanceâ, âSecond - Refinanceâ, âThird - Refinance', âSecondâ,
âThirdâ, or âOtherâ, and (b) loans where the loan purpose is âConstructionâ or âConstruction - Perm' and the âTreat
as Refinanceâ checkbox is checked on the âConstruction Loan - Detailsâ popup. In prior versions, when the âLTV
Calculation Methodâ was âRehabâ, only loans where the loan purpose was âRefinanceâ used the appraised value
exclusively for the denominator.
(2) Altered the amortization schedule so that loans that are not treated as refinances and have the âLTV Calculation
Methodâ set to âRehabâ require either the purchase price or the âAlterations Improvements and Repairsâ to be
entered. In prior versions the purchase price could not be left blank.
(3) Altered the amortization schedule so loans that are treated as refinances do not require the Price/Value field to
be entered.
BYTE-5342
BYTE-5312
BYTE-5314
BYTE-5298
BYTE-5334
BYTE-5269
(4) Altered the MI cutoff calculation on the amortization schedule so that the LTV denominator is calculated using
the appraised value exclusively for all loans that are treated as refinances. In prior versions the appraised value
was used exclusively only when the loan purpose was âRefinanceâ.
21.1 Revision B
CoreLogic Fraud
Parties: Modified how the party category is transmitted to CoreLogic to resolve mapping issues.
Document Preparation Interfaces
Co-Borrower indicator: Updated how the co-borrower indicator is transmitted to the document
preparation companies for loans using the 2021 URLA. In previous versions this may have caused the document
preparation vendor to produce two URLA Borrower Information forms for a borrower/co-borrower pair instead of
an URLA Borrower Information form for the borrower and a corresponding URLA Additional Borrower form for the
co-borrower.
DocMagic
Texas A6: Fixed the mapping of the element that indicates whether the loan is a Texas A6-to-Non-A6
loan.
DocuTech
Application Taken: Fixed an issue that caused the application method (labeled âInfo Provided Viaâ on
the screen) to not be populated on secondary loan applications on the 2021 URLA Borrower Information and URLA
Additional Borrower forms.
Ernst Publishing
Environment: Added the value âUATâ to the Environment drop-down list on the Ernst Publishing
defaults screen. This new environment should be used instead of the âQAâ environment after approximately March
9, 2021.
Fannie Mae â Desktop Underwriter
Validations: Removed the requirement to enter the number of payments left for liabilities for loans
using the 2021 URLA.
BYTE-5260
BYTE-5259
BYTE-5249
BYTE-5276
BYTE-5264
BYTE-5272
Validations: Removed the validation for census tract and FIPS county code for loans using
the 2021 URLA. An earlier version of this release note incorrectly attributed this change to Freddie Mac Loan
Product Advisor instead of Fannie Mae Desktop Underwriter.
FHA Addendum to URLA - 92900-A
Made several changes to the 92900-A:
(1) Added a new party 'FHA Mortgagee Rep' for the signature name and title found in part 4.
(2) Added CHUMS ID for Reviewer of Appraiser to print in part 4, section B. This field is also found on the 92900-LT.
(3) Fixed the party association for FHA Post Closing Mortgagee selection.
(4) Added Cardex selection for parties âFHA Mortgagee Repâ and âFHA Post Closing Mortgagee Repâ. After
installing 21.1 Revision B, you must open and close the Security Manager once in order to initialize these new
contact types; until they have been initialized any new contacts with these types will be inaccessible.
Freddie Mac - Loan Product Advisor
Validations: Removed the requirement for the user to enter the application date. An
earlier version of this release note attributed change BYTE-5262 to Freddie Mac Loan Product Advisor instead of
Fannie Mae Desktop Underwriter (see above).
Freddie Mac - Loan Assignment
Loan Assignment: Fixed several issues with the Freddie Mac loan assignment functionality for the
2021 URLA. To access this functionality open a loan file that uses the 2021 URLA, open the âLoan Product Advisor -
System to Systemâ interface screen, then look for the button labeled âTransferâ at the top of the screen.
ULDD
Credit Reference Number: Fixed an issue that caused the co-borrowerâs credit reference number to
not be automatically populated for loans using the 2021 URLA.
Web Portal
Merge MISMO 3.4 ULAD File: Fixed the object permissions for the âMerge MISMO 3.4 ULAD Fileâ
feature; disabling or enabling this screen in Object Permissions had no effect on the screen in the Web Portal.
21.1 Revision A
BYTE-5262 UPDATED
BYTE-5231
NOTE
BYTE-5234 UPDATED
BYTE-5247
BYTE-5271
BYTE-5292
Fannie Mae DO/DU
MIP Refund: Fixed an issue that caused Fannie Mae to double-count the FHA MIP refund on loan files
that use the 2021 URLA.
Web Portal
Desktop Underwriter: Fixed an issue that prevented the DU findings from being imported when
Fannie Mae returned warnings on the submission of a loan file that uses the 2021 URLA. In addition, the user was
not notified of what conditions gave rise to the warnings. As an example, a warning occurs when the value âStock
Optionsâ is selected for the asset type on an FHA loan file.
Details of Transaction
âNot Countedâ Closing Costs: Adjusted the logic on the Details of Transaction for the 2021 URLA so
that closing costs that are flagged as âNot Countedâ are not included in the calculations for borrower closing costs,
seller credits, or other credits. In prior versions the âNot Countedâ flag had no effect on the Details of Transaction on
the 2021 URLA.
FHA 92900-LT
LDP/SAM: Added checkboxes labeled âNoâ for the âLDP/SAMâ indicator. In a prior revision to the form
HUD removed the âNoâ checkboxes; HUD then subsequently re-added them.
DocMagic
H-9 Rescission Notice: Fixed an issue that prevented DocMagic from producing an H-9 Rescission
Notice for 2021 URLAs. The H-9 notice is triggered when âYesâ is selected in the âUse H-9 Rescission Noticeâ drop-
down list on Closing screen. This problem did not affect pre-2021 URLA loan files.
21.1 Key Features
2021 URLA
State-Specific Disclosures: Added three new state-specific disclosure documents to replicate wording
that could optionally be included on the pre-2021 URLA. The new disclosures are âCA - Notice to Married Borrowersâ,
âOH - Equal Credit Opportunity Noticeâ, and âRI - Arson Conviction Disclosureâ. The language in these three new
disclosures, in addition to the language in the existing disclosure âMA â Chapter 184 Section 17B Noticeâ, cannot be
printed on the 2021 URLA. If necessary, please include these disclosures in your print sets to ensure that the
disclosure notices are included with your initial disclosures.
BYTE-5221
BYTE-5205
BYTE-5223
BYTE-5220
BYTE-5199
BYTE-5142
Web Portal
2021 URLA Screens: Added new screens to the Web Portal to support the 2021 URLA. The new
screens are âURLA Borrower Info Part 1â, âURLA Borrower Info Part 2â, âURLA Borrower Info Part 3â, âURLA Borrower
Info Part 4â, and âURLA Lender Loan Infoâ.
URLA Version Option: Added the optional ability for third party originator (TPO) users to specify
which version of the URLA to use when creating a new file in the Web Portal. See the setting labeled âURLA Version
Option (TPO Only)â at the bottom of the URLA defaults screen in BytePro. The option to create a new loan file using a
Fannie Mae 3.2 file is available only when using the Classic URLA, and the option to create a new loan file using a
MISMO 3.4 URLA file is available only when using the 2021 URLA.
Merge MISMO 3.4 ULAD File: Added a new screen in the Web Portal labeled âMerge MISMO 3.4 ULAD
Fileâ which provides the ability to merge a MISMO 3.4 ULAD file for 2021 URLAs. This feature mirrors the
functionality of the existing âMerge Fannie Mae Fileâ screen, which only applies to Classic URLAs.
Export Fannie Mae 3.4 ULAD File: Added a new button to the existing âExport Fannie Mae Fileâ screen
in the Web Portal. The new button allows the user to export a Fannie Mae/MISMO 3.4 file. The new button is visible
only when the URLA Version is â2021â.
Freddie Mac LPA: Added the ability for TPO organizations to use the system-wide default credentials
when submitting to LPA. On the Organization editor in the Security Manager, select a TPO âOrganization Typeâ such
as âBrokerâ. After making this selection a field labeled âFreddie Mac Credentialsâ will appear below the âOrganization
Typeâ field. Select âUse Organization Credentialsâ to specify the TPO Number and TPO Password that is unique to that
particular organization, or select âUse Shared Credentialsâ to use the shared Freddie Mac credentials that are
specified on the Freddie Mac defaults screen.
Consumer Portal
Updated the Consumer Portal to support the 2021 URLA. New loan files created in the Consumer
Portal on or after the 2021 URLA implementation date automatically are flagged to use the 2021 URLA. By default,
the 2021 URLA implementation date is 3/1/2021, but can be modified by adjusting the âEarly Implementation Dateâ
setting on the URLA defaults screen.
Offline Mode - Removal Announcement
Added a warning that Offline Mode will be removed in the next version of BytePro Enterprise in order
to pave the way for new features. 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.
21.1 Additional Features
BYTE-5113
BYTE-5151
BYTE-5158
BYTE-5184
BYTE-4968
BYTE-4996
BYTE-5085
2021 URLA
REO Section Headings: Updated the REO section headings on the printed URLA Borrower Information
document; each REO is now presented with its own heading such that the third REO is under the heading â3câ, the
fourth REO is under heading â3dâ and so on.
Country Field: Added a default setting that allows âUSâ or âUSAâ to print in the Country fields on the
URLA when no country has been entered in the user interface. Go to Customize > Defaults > URLA and look for the
setting labeled âDefault country to print if country is not enteredâ.
API
Purchase Credits: Updated the API to allow Purchase Credits to be added, deleted, and modified.
File Name: Added the ability to update the loan file name via the API.
Credit Reporting Services
Added âCredit Reporting Servicesâ to the list of available credit reporting agencies.
DocMagic
Escrows: Updated the DocMagic interface to support escrow amounts that are partially paid by the
borrower and partially paid by the lender, seller, or a third party.
ENote and ENotary: Added ENote and ENotary features for DocMagic. On the DocMagic interface
screen, select âClosing Documentsâ for the âPackage Typeâ, then check the âDocMagic eSignâ checkbox. The ENotary
and ENote fields will then appear at the bottom of the âDelivery Optionsâ section.
Document Preparation Interfaces - Escrows
2021 URLA: Updated various field mappings in support of the 2021 URLA.
Escrows: Updated all document preparation interfaces (including DocMagic, Docutech, and IDS) so
that prepaid items are marked as escrowed on the LE when (a) the Disbursement Schedule is [blank] and (b) the
Loan Purpose is [blank], Purchase, Refinance, Construction-Perm, or Other.
Docu Prep
Updated the Docu Prep interface to include the MISMO 3.4 ULAD file in the set of information
transmitted to Docu Prep.
BYTE-5040
BYTE-4976
BYTE-5084
BYTE-4940
BYTE-5073
BYTE-5115
BYTE-4965
BYTE-4964 BYTE-5111
BYTE-5081
BYTE-5098
Docutech
Name Change: Updated the name and logo on the Docutech interface. The new interface name is
âFirst American Docutech ConformXâ.
Factual Data by CBC
Fixed an issue that prevented the Retrieve request type from working for the âFactual Data by CBCâ
interface.
Fannie Mae
DU - Mapping and Validation: Made various minor mapping and
validation changes for the DU interface for 2021 URLAs.
DU - FHA and VA Loans: Enhanced the DU interface to show more warnings for FHA and VA loans.
MISMO 3.4 Export File: Updated the Fannie Mae MISMO 3.4 export file to include the âNo. Unitsâ field
for REOs. To export this file go to Interfaces > Fannie Mae > Export Fannie Mae File, then select âFannie Mae DU /
MISMO 3.4 (.XML)â from the âFile Versionâ drop-down list.
AUS Runs: Fixed an issue that prevented the Underwriting screenâs AUS Runs table from being
updated correctly when FHA or VA loans were submitted to Fannie Mae using the âDU XISâ interface.
FHA Addendum to URLA - 92900-A
Added a new âFHA Addendum to URLAâ screen and document to support the revised HUD 92900-A.
While previous editions of the form were shared with the VA, the new form is to be used for FHA loans only. For VA
loans, continue to use the existing âFHA / VA Addendum 92900-A/26-1802a.â For details, please see Mortgagee
Letter 20-49.
FHA Forms
Updated the OMB expiration dates and revision dates on the following documents: âHUD-92900-B
Important Notice to Homebuyersâ and âHUD-92900-LT FHA Loan Underwriting and Transmittal Summaryâ.
FraudGuard
Updated the name of the FraudGuard interface from âFraudGUARDâ to âFraudGuardâ.
Freddie Mac - Loan Product Advisor
Loan Product Advisor: Made minor mapping and validation
changes for the LPA interface for 2021 URLAs.
BYTE-4848
BYTE-5185
BYTE-4988 BYTE-5069 BYTE-5104
BYTE-4950
BYTE-5137
BYTE-5090
BYTE-5114
BYTE-5116
BYTE-4926
BYTE-4988 BYTE-5069 BYTE-5104 BYTE-5153
Good Faith Estimate
Updated the GFE so that the âLE Deliveredâ flag no longer gets set when the GFE is printed on a TRID
loan. The âGFE Deliveredâ and âLE Deliveredâ field share the same underlying database field; in prior versions printing
the GFE would cause the field to get set even when the loan was a TRID loan. Now the act of printing the GFE sets
the flag only if the loan is a GFE loan, not a TRID loan.
IDS Document Preparation
Added mapping for the IRS 4506-C.
Loan Purpose
Relabeled the loan purpose on the Home screen from âPurpose of Loanâ to âLoan Purposeâ to match
the verbiage on the 2021 URLA. When the loan purpose is Second, Third, or Other the loan purpose description field
appears, which is now labeled âLoan Purpose Desc.â
Macros
On File Copied: Added a new âOn File Copiedâ macro event that is triggered when a loan file is copied.
Loan Status: Fixed an issue that caused a âObject Permission State Cannot be Determinedâ error
message to appear under certain conditions when a macro attempts to set the loan status while the file is being
created. This can happen in an âOn File Createdâ macro or a âOn Field Changedâ macro.
Collections: Updated the SDK to allow items to be added to the following collections: Expenses, Gifts,
and Purchase Credits.
MISMO 3.4 ULAD Import
Updated the MISMO 3.4 ULAD Import feature to fix errors and import additional fields.
Mortgage Insurance Interfaces
Updated the mortgage insurance interfaces to support the 2021 URLA.
New File Screen
Fixed an error message that was displayed if the user attempted to create a new loan file using a
MISMO file, but then pressed Cancel on the screen that allowed the user to select the file from the hard disk.
BYTE-5045
BYTE-5125
BYTE-5060
BYTE-5099
BYTE-5029
BYTE-5089
BYTE-5096 BYTE-5129
BYTE-4480
BYTE-4958
Optimal Blue
Updated the Optimal Blue interface to send the âAlterations, Improvements and Repairsâ amount for
HomeStyle loans.
Patriot Act - Information Disclosure
Updated this form to allow for longer borrower names to print under the signature lines.
PPDocs
Updated the PPDocs interface to include the MISMO 3.4 ULAD file and MISMO 3.3 file in the set of
information transmitted to PPDocs.
SDK
Collections: Updated the SDK to allow items to be added to the following collections: Expenses, Gifts,
and Purchase Credits.
MISMO 3.4 Methods: Fixed errors that occurred when executing the following two methods:
SDKFile.ValidateFannieMISMO34, and SDKFile.ExportFannieMISMO34.
SFTP
Updated the SFTP feature to allow communication with SFTP servers that use SHA256 encryption.
Synchronized Loan Files
Updated the synchronization feature to prevent a new synchronized loan file from being created if it
would have a different URLA version than the original file. Also fixed a âWrong number of Residence Collectionâ error
that occurred when attempting to synchronize two existing loan files that both use the 2021 URLA.
Trades Screen
Added âSelect Allâ and âSelect Noneâ buttons to the bottom of the screen that allows you to select
which loans to add to a trade.
ULDD
Cash Out Amount: Updated the âFillâ button next to the âRefinance Cash Out Amountâ field. For loan
files that use the 2021 URLA the Fill button uses the following calculation from the details of transaction: [Cash
BYTE-4952
BYTE-4890
BYTE-5097
BYTE-5089
BYTE-5024
BYTE-4917
BYTE-5088
BYTE-5068
BYTE-5059
From-To the Borrower] + [Line E: Credit Cards and Other Debts Paid Off] - [Line J: Other New Mortgage Loans on the
Property]. The calculation for pre-2021 loans was not changed.
Fannie Mae - Project Name: Fixed an issue that prevented the Project Name from being exported in
situations where it should have been.
VA 26-1805 Request for Determination of Reasonable Value
Made minor updates to this form, including updating the version number at the bottom.
VA 26-1820 Report and Certification of Loan Disbursement
Updated the OMB expiration date and the revision date.
VOE Interfaces
Fixed a problem with the ReVerify service on the following VOE interfaces: Credit Plus, Certified Credit
Reporting, CIS Credit Solutions, Credit Technologies, and Universal Credit Services.
Xome LenderX
Added the ability to import the appraiser information only after the appraisal is completed. On the
Xome LenderX defaults screen, look for the setting labeled âHide Appraiser Until Completionâ.
BYTE-5155
BYTE-5067
BYTE-5163
BYTE-5092
BYTE-5055