MAJOR FEATURES


Automation Rule: Support Lender field on Loan Info Changes trigger (HOT-32059)

A new field called Lender has been added to the Loan Info Changes Trigger within Automation Rules. This field supports two operators: "is set" and "changes."

  • The "is set" operator is triggered when a Lender is assigned for the first time.
  • The "changes" operator is triggered both when a Lender is assigned for the first time and when an existing Lender is updated.



Automation Rules: Add support for AUS in Rule Criteria (HOT-32030)

A new criteria field, AUS (is), has been added to Automation Rules.

  • Available Options: Run and Not Run
  • Run evaluates to true if at least one AUS run (either DO or LPA) has been completed.
  • The "Updated Value" option will not be displayed for the AUS (is) field, as it is not applicable.



Automation Rule: Add new fields in Loan Info under Advanced Features (HOT-31710)

The following fields have been added to Automation Rules and can now be used in rule criteria. 

  • LPA Offering – (is)
  • LPA Offering Identifier – (in, not in, does have value, does not have value)
  • Pre-Pay Penalty – (is)
  • Penalty Term – (in, not in, does have value, does not have value)
  • Penalty Amount – (does have value, does not have value)
  • Seasoning – (is)
  • Seasoning Term – (does have value, does not have value)
  • Balloon – (is)
  • Balloon Term – (does have value, does not have value)
  • Mortgage Lates – (is)
  • Mortgage Lates x 30/60/90/120 days – (does have value, does not have value)
  • Seller Provided Below Market Financing – (is)
  • Negative Amortization – (is)
  • Affordable Loan – (is)
  • Doctor Loan – (is)
  • Skip Income Check – (is)



Automation Rule: Correct display name for VA Loan Info fields (HOT-32133)

The display names have been updated for the rule criteria and required fields in the Automation Rule as follows:

  • Agency Case Number → Agency Case Number – (VA, FHA)
  • Borrowers Married to Each Other → Borrowers Married to Each Other – (VA)
  • Seller Concession → Seller Concession – (VA, FHA, Reverse)
  • Mortgage Credit Cert → Mortgage Credit Cert – (VA, FHA, Reverse)
  • 13. Lender / Mortgage ID Code → 13. Lender / Mortgage ID Code – (VA, FHA)
  • AUS Result → AUS Result – (VA, FHA, Reverse)
  • DE's ID Number → DE's ID Number – (VA, FHA, Reverse)



Financial Info: Enhanced grouping/sorting for Liability section. (HOT-32625)

An option has been provided to sort liabilities based on Liability Type and Borrower Name when using the "Group By" view. Sorting can be done by Unpaid Balance or Monthly Payment, in either ascending or descending order.


Important Notes:

  • The selected sorting preference is saved in local storage and will persist across page refreshes.
  • Once the user logs out, the sorting will reset to the default configuration on the next login.
  • Default Sorting:
    • Group By: Liability Type
    • Sort By: Unpaid Balance
    • Sort Order: Descending
  • The sorting functionality will be available only when more than one liability exists in the loan.
  • When "Group By → Liability Type" is selected, the liabilities will be displayed in the same order as they appear in the Liability Type dropdown (used while adding liabilities).




Conditions: Add an option to select 'Prior To' during bulk item actions and enhance the condition owner assignment process. (HOT-33204)

  • Added an option to select 'Prior To' while creating bulk conditions.
  • Owner assignment will now follow a role-based order: Primary CP, if not available then Primary Processor, followed by Other Processor, Primary LOA, Other LOA, Primary LO, Other LO, and finally Other Roles (Lock Desk followed by Funder followed by Payroll followed byCloser and finally Disclosure Desk).



PPE: Add desired price option in pricing (HOT-32485)

A new option, "Desired Price After Comp," has been added to the existing "Rate" dropdown.

When this option is selected, users can enter a desired price value (e.g., 5) in the associated input field. In the search results, the system will display products with discount points that are closest to the entered value.



PPE: Support positive max net pricing. (HOT-32094)

With this update, ARIVE will now consider the maximum positive net pricing limit if received from lenders. The application will correctly enforce this limit, ensuring that the final net price does not exceed the defined threshold.


Review Fees: Add APR tag for Default Fees added later, if configured (HOT-32627)

With this update, when a fee is manually added in the Review Fees section, the system now correctly applies the APR indicator as defined in the Closing Cost Template.



PPE: Add "Past Client Loan" option in PPE and margin rules. (HOT-32099)

As part of this change, a 'Past Client Loan' checkbox has been added to the pricing screen. It will also be included as an attribute in Non-Del Margin rules.



Non Del: Allow “Not In” condition for lenders in Non-Del rules. (HOT-32098)

Support for the 'Not In' condition has now been added for lenders in Non-Delegated (Non-Del) rules.



Non Del: Capture Flood Zone and Endorsements (HOT-32533)

Two new data points have been added under the "Additional Property Details" section of the CD Info tab:

  • Flood Zone
  • Title Endorsement

These fields are also available for export in the Doc Vendor export.



Non Del: Doc Vendor Export - Add support to export the Party node for loan team Primary Closer with partRoleType as PreparedBy (HOT-33057)

The Primary Closer from the loan team is now included in the Doc Vendor export. In the export, the PartyRoleType for the Primary Closer is set to PreparedBy. This enhancement ensures accurate and consistent representation of closing team roles in the Closing Package Disclosure.



Business Contacts: Add 'Name on Docs' field to business contact company (HOT-32824)

A new field, ‘Name on Docs’, has been added when creating or editing a company under Business Contacts. If provided, this value will be used in place of the actual company name on Disclosure Forms generated by DocMagic. If the field is left blank, the actual company name will be displayed instead.

  • The ‘Name on Docs’ value will be included in the Doc Vendor export only if it is present.
  • This field will not be shown on Arive Forms.




Email Template: Add First Name and Last Name for business contacts (HOT-32773)

As part of this update, first name and last name tokens have been added for all business contacts in email templates and automation rules (confirmation pop-up and notification).





Notes: Add image upload option in Notes for Desktop, Mobile, and Tablet (HOT-31743)

Image upload option has been added to Notes on desktop, mobile, and tablet. It supports various image formats, including HEIC and HEIF.



Pipeline Reports: Add attribute "Is Exclude from MCR" and 'Loan Documentation Type' 

in new Pipeline Reports (HOT-32242, HOT-30199)

  • A new attribute, 'Excluded From MCR', has been added. This column displays 'True' if the 'Exclude from MCR' option is enabled; otherwise, it displays 'False'.
  • Loan documentation type has now been added as an attribute in the pipeline report. It displays the selected Doc Type value if 'Alternate Doc Loan' is selected in any loan; otherwise, it shows 'Full Doc'.



Pipeline Reports: Add Residency Type as an attribute in Pipeline Reports (HOT-31087)

Two field names have been updated, and two new fields have been added in Pipeline Reports.


Renamed Fields:

  • 'Primary Borrower Residency' has been renamed to 'Primary Borrower Occupancy Type' – Displays the occupancy type of the primary borrower.
  • 'Co-Borrower Residency' has been renamed to 'Co-Borrower Occupancy Type' – Displays the occupancy type of the co-borrower.

Newly Added Fields:

  • 'Primary Borrower Residency Type' – Displays the residency type of the primary borrower.
  • 'Co-Borrower Residency Type' – Displays the residency type of the co-borrower.



Pipeline Reports: Added 'Base Loan Amount' as an attribute in Pipeline Reports and rename existing "Loan Amount" to "Total Loan Amount" (HOT-21039)

The 'Base Loan Amount' attribute has been added to the Pipeline report, and the 'Loan Amount' attribute has been renamed to 'Total Loan Amount' in both the Pipeline and Revenue reports.



Revenue Reports: Add additional revenue report fields (HOT-30151)

New attributes have been added to the Non-Del and Broker Revenue reports.


Non Del Revenue Reports 

  • Estimated Closing Date
  • Firm Closing Date
  • Application/TRID date - Mapped to TRID date in Audit & Dates
  • Borrower Mailing Address
  • Subject Property Address separated by street address, city, state, zip
  • Additional LO's besides primary LO- Name Email NMLS
  • Lender Code-short form of lender Name
  • Warehouse Advance Interest
  • Loan Limit type
  • Amortization type
  • Industry channel
  • Net Amount due to Investor-funding revenue screen
  • Warehouse Advance
  • Base loan Amount
  • Warehouse Funding Wire Amount
  • Fees Related fields:
    • (Fee Name) Total amount - Total Of fees (borrower, lender, seller)
    • (Fee Name) Seller POC - Before closing of seller in that fee
    • (Fee Name) Seller Amount - total of seller paid in that fee
    • (Fee Name) Borrower POC - Before closing of borrower in that fee
    • (Fee Name) Borrower Amount - Total of borrower paid in that fees


Broker Revenue Reports

  • Estimated Closing Date
  • Firm Closing Date
  • Application/TRID date - Mapped to TRID date in Audit & Dates
  • Borrower Mailing Address
  • Subject Property Address separated by street address, city, state, zip
  • Additional LO's besides primary LO- Name Email NMLS
  • Lender Code-short form of lender Name
  • Loan Limit type
  • Amortization type
  • Industry channel
  • Base loan Amount
  • Fees Related fields:
    • (Fee Name) Total amount - Total Of fees (borrower, lender, seller)
    • (Fee Name) Seller POC - Before closing of seller in that fee
    • (Fee Name) Seller Amount - total of seller paid in that fee
    • (Fee Name) Borrower POC - Before closing of borrower in that fee
    • (Fee Name) Borrower Amount - Total of borrower paid in that fees


Loan Condition: Print support added for loan conditions in closing disclosures.  (HOT-31927)

An option 'Print in Closing Docs' has been added when adding or editing loan conditions. By default, this option will be set to 'True' when the 'Prior To' value is set to PTF. All checked conditions will be included in the Doc Vendor export.



ARIVE Direct: Include borrower details in Get Loan Details (HOT-32254)

Support for the following fields has been added to the Get Loan Details API when accessed using a Direct API Integration Token:

  • Borrower Employment Type (e.g., W2, Self-Employed) – employmentType
  • Borrower Employer Address (Street, City, State, ZIP) – employerAddress
  • Borrower Income (Gross or Net, based on availability) – employerIncome
  • Borrower Employment Position (e.g., Job Title) – positionDesc
  • Borrower Employment Duration (Years and Months) – yearsOnJobCount and monthsOnJobCount


FHA Sponsor ID: If the loan is in company HQ, show FHA Sponsor ID in all branches (HOT-30096)

As part of this update, if an FHA lender is added to the main organization, the lender will be available across all other branches within the organization.



Point of Sale: Restrict unlicensed activity if subject property state in New York. (HOT-28448)

As part of this update, if the LO/CA/BA does not hold a New York license, the user will not be able to proceed in the POS after entering a New York address. A warning message will be displayed, and the 'Update' button will be disabled.


Warning Message:


New York State Department of Financial Services licensing requirements prohibit this online application from facilitating mortgage solicitation or loan applications for residential properties in New York.



Loan & Property: Add 'Borrower Settlement Deposit' support on Loan and Property (HOT-32524)

As part of this enhancement, a new field titled "Borrower Settlement Deposit" has been introduced in the Loan and Property Information section, applicable only to refinance loans.

When the Borrower Settlement Deposit checkbox is selected, two fields become mandatory:

  • Borrower Settlement Deposit Amount
  • Borrower Settlement Deposit Description

If both fields are provided, the system will populate the LIABILITY_DETAIL section of the data export as follows:

  • LiabilityTypeOtherDescription = Borrower Settlement Deposit Description
  • LiabilityUnpaidBalanceAmount = –1 × Borrower Settlement Deposit Amount
  • PayoffAmount = –1 × Borrower Settlement Deposit Amount

These values will be reflected in the Payoffs section of the Closing Disclosure.


Note:

  • There are no changes to calculations related to FTC or Cash to Close.
  • This data point will not be shown in the Doc Vendor export as a negative liability amount.
  • It will appear only in the Payoffs section of the Closing Disclosure, with no current calculation impact.




Pre Approval: Enable users to add real estate agents to the "To" line as direct recipients on the pre-approval email (HOT-31775)

As part of this update to the Pre-Approval Letter, the 'To' field has been enhanced to function similarly to the 'CC' field. It can now include borrowers, loan team members, and business contacts.



LPA: Update to version 6.0.0 (HOT-30860)

LPA version 6.0.0 has been implemented in ARIVE, introducing several changes, including:

  • Improved LPA Findings Report with various UI/UX enhancements.
  • New submission options, "Prequalification" and "Underwriting," have been added when running LPA.
  • A new field, "Positive Rental History," has been added to the Loan and Property section. It will be displayed only for loans with the mortgage types: Conventional, FHA, and Reverse (HECM-Standard).




LOS: Add option in user dropdown for language-specific borrower portal URLs. (HOT-25716)

As part of this update, users logged into the LOS will now see both English and Spanish borrower portal links, provided Spanish is enabled in the POS App configuration.





MINOR ENHANCEMENTS/FEATURES


Fees: Make Prepaid Total Fee Amount display up to 2 decimal places (HOT-32931)

Prepaid Interest: Updated the formatting of the Prepaid Interest Amount to display two decimal places instead of three.



Prepaids: Updated the Total Fee Amount to be editable and modified the Amount per Day field to allow four decimal places. (HOT-32281)

This update introduces enhancements to improve precision and flexibility in managing Prepaid Interest:

  • Extended Decimal Precision: The Amount per Day field now supports up to four decimal places, enabling more accurate interest calculations.
  • Editable Total Fee Amount in Review Fees: The Total Fee Amount field is now editable on the Review Fees screen. When this value is modified, the system will automatically recalculate the corresponding Amount per Day based on the updated total.



Point of Sale: Match co-branded link landing page content to business contact type (HOT-31986)

As part of this update, the co-branded link page will now display the Business Contact type above the business contact information tile, instead of showing 'Your Real Estate Agent.'




Update template token {{Loan Id}} to {{ARIVE Loan Id}} (HOT-32719)

As part of this update, the information tag 'Loan Id' has been renamed to 'ARIVE Loan Id' across various templates like Email/SMS template , Pre-Approval letter, Automation Rule.


Make the unhide button for SSN editable in read-only mode (HOT-32912)

As part of this update, users can now view the SSN without editing the loan, even when the loan is read-only.