MAJOR FEATURES
(Core) Loan & Property: Introduced support for the Qualifying Term field across all mortgage types when the Interest Only indicator is enabled. (HOT-33692)
When the Interest Only indicator is enabled, a new field titled Qualifying Term will be displayed. This field allows users to select how the Debt-to-Income (DTI) ratio should be calculated. The available options and their corresponding logic are as follows:
- Repayment Term
- DTI will be calculated based on (Amortization Term - Interest Only Term) months.
- The Qualifying Rate will be used if available; otherwise, the Note Rate will be applied.
- Loan Term
- DTI will be calculated based on the full Amortization Term.
- The Qualifying Rate will be used if available; otherwise, the Note Rate will be applied.
- Interest Only Term
- DTI will be calculated using the Interest Only Term.
- Only the Note Rate will be used in this case.
(Non-Del) Disclosures: Added support to include Power of Attorney for the Borrower. (HOT-31931)
ARIVE system now supports capturing and managing Power of Attorney (POA) information.
- A dedicated section has been added to the Disclosure Setup screen to add, view, and manage POA details.
- POA fields included are:
- POA to which Borrower
- POA Name
- POA Email
- POA Address
- Doc Vendor export will now include POA details associated with the borrower.
- Forms that require a borrower’s signature have been updated to automatically append Power of Attorney (POA) details after the borrower's name, when applicable with the below format:
- [Borrower Full Name] by [POA Full Name], Power of Attorney.
- Sample Forms
Loan Detail Report
- ACKNOWLEDGMENT OF INTENT TO PROCEED
(Non-Del) Disclosures: Support added to include Borrower Trust and Trust Parties (HOT-31930)
ARIVE system now supports capturing Trust details and managing associated Trust Parties (such as trustees, grantors, and beneficiaries) for trust-based lending scenarios.
(Non-Del) Disclosures: Enabled real-time updates for disclosure events through DocMagic. (HOT-29925)
We’ve enhanced our disclosure tracking system to support real-time monitoring of form actions and improve visibility into key disclosure and e-signature events.
- Real-Time Tracking of Disclosure Events:
The system now tracks form actions related to disclosure generation and package signing in real time. - Automated Email Notifications:
Users will now receive email alerts for the following events:- Disclosure Generated
- Disclosure Sent for E-Signature
- Disclosure Signed
Auto-Updated E-Signature Tracking:
- Previously, e-signed activity logs required manual refresh to reflect updates.
- Now, the system automatically updates signed disclosures, with the entry logged as:
- DocMagic DocMagic in the Activity Log.
Note: Users who wish to enable DocMagic eSign tracking auto-updates must contact the DocMagic support team to setup on their account. Requests must be made directly by the Users.
(Non-Del) Disclosures: Display DocMagic Disclosure Package History (HOT-34738)
Added a Disclosure History view for ongoing and generated disclosures. The view displays only those disclosures that have been generated or sent for eSigning, with statuses shown as Generated and Sent for eSign. An additional Archived label is displayed where applicable.
(Core) Support to add Multiple Borrower Settlement Credits on loan (HOT-34733)
Users can now add, view, and edit multiple credit entries under Borrower Settlement in the Loan & Property section.
All added Borrower Settlements will be accurately reflected in Disclosures.
(Core) VA Loans: Added a new field, '2B. Other Name(s) Used During Military Service,' to the Disclosure Information section (HOT-33644)
A new field, “2B. Other name(s) used during military service,” has been added under the VA Loan > Disclosure Info tab in the Form 261880 section. This data will be displayed on the following disclosure forms only when the user has Military Service:
- Request for a Certificate of Eligibility.pdf (Section 1, 2B on Form 26-1880).
- Request for Certificate of Veteran Status.pdf (Point 4).
(Pro) Automation Rules: Added the "Lead Provided By" field to the Rule Criteria section and to the Enforce Requirement section under Actions. (HOT-35248)
The "Lead Provided By" field has been added to both the Criteria section and the Required Field Action section. It supports the following operators: "does have value", "does not have value", and "is modified".
(Pro) Automation Rule: Added support for the "in" and "not in" operators for the LO, LOA, and Processor fields (HOT-34603).
(Pro) Automation Rules: Task generation is now skipped for intermittent statuses. (HOT-34586)
Task generation will now be skipped for any intermediate or skipped loan stages. All other actions associated with these stages will continue to execute as before.
Tasks will only be generated when a loan is explicitly moved into a specific loan stage. If a stage is bypassed or skipped, any tasks linked to that stage will not be created.
(Pro) Automation Rules: Enabled support for using Create Task action alongside Enforce Requirements action (HOT-34435).
As part of this update, the "Create Task" option is now available alongside the "Enforce Requirement" option.
(Pro) Automation Rule: Multiple updates (HOT-34310, HOT-33106, HOT-35428)
- The ‘Loan Limit Type’ field has been added to the Criteria and Required Field Action in Automation Rules.
- Support has been added for two new operators ‘changes to or beyond’ and 'changes to or prior' for Loan
- Users can now update the Rule Name and Description directly from the Automation Rules list, without opening the rule. This allows quicker edits and improves overall efficiency when managing rules.
- Status Changes trigger in Automation Rules:
- Changes to or beyond:
Triggers the rule when the loan status is changed to the specified stage or has moved beyond it in the workflow. - Changes to or prior:
Triggers the rule when the loan status is changed to the specified stage or is at any stage before it.
- Changes to or beyond:
(Core) Tasks: Added an option to clone task templates within Automation Rules. (HOT-34363)
This enhancement allows users to clone task templates, streamlining the process of creating multiple templates with minimal effort.
(Core) Task Templates: Additional roles have been added to the Task Assignee list. (HOT-34357)
As part of this update, additional roles have been added to both the Task Assignee and Follow-Up Task Assignee lists. The newly added roles include:
- Disclosure Desk
- Funder
- Payroll
- Lock Desk
- Closer
(Core) Funding / Revenue: Added Section H (Review Fee) to the Funding and Revenue calculation. (HOT-34125)
As part of this update, the 'Temporary Buydown Amount' from Section H (Other) will now be included in the Net Funding Calculation on the Funding / Revenue screen.
(Core) LPA: LPA June 2025 updates (HOT-35265)
As part of LPA's June update, Truv is now available as an option for Report Type VOD in LPA.
(Core) Conditions: Option added to remove client needs from conditions without deleting the needs. (HOT-34530)
As part of this update, users can now detach a client need from a condition without deleting the need.
(Pro) Automation Rule - Change Loan Status' action only work for forward stage. (HOT-34393)
As part of this story, The Change Loan Status action will now only work if it moves the loan to a forward stage.
The rule will not execute if the status defined in the rule is earlier than the loan's current status. This is related to trigger 'Task Status Changes' only.
(Core) ARIVE Forms: Added dynamic tokens to support Social Security Numbers(SSN). (HOT-33739, HOT-33738)
Added the following dynamic tokens to support masked Social Security Numbers (SSNs), displaying only the last four digits:
- All Co-Borrower SSNs – Last 4 Digits
- Borrower SSN – Last 4 Digits
- Co-Borrower SSN – Last 4 Digits
- Primary Borrower SSN – Last 4 Digits
Users can now populate only the last four digits of SSNs (i.e., masked SSNs) in ARIVE forms by selecting the corresponding masked SSN dynamic fields.
(Core) Add dynamic fields on forms for company license numbers for both buyer and seller real estate agents (HOT-33738)
Dynamic tokens have now been introduced for each Business Contact in forms to support the inclusion of the Business Contact’s Company License Number.
For example, if the Business Contact is a Title Agent, the corresponding Title Agent Company License token will be automatically populated in the form.
(Core) Notes: As part of the enhancement, formatting now works with mentions (HOT-25811)
Notes formatting has been enhanced to support styling and size adjustments for information tags. This works seamlessly both when tags are used standalone and when selected alongside regular text.
(Core) Task Templates: Added support for additional due date options. (HOT-34358)
As an enhancement to Tasks, new options have been added to the Due Date field, including support for custom configurations.
We’ve added new due date options for Manual Tasks, and Automation templates to improve flexibility and accuracy.
New Due Date Options Added:
- One Week
- Two Weeks
- Three Weeks
- One Month
- Two Months
- Three Months
- Custom (Hours, Days, Weeks, Months)
Intelligent Date Skipping:
- Skip Saturday, Sunday if selected.
- Holidays falling on weekends are automatically skipped.
- If Month is selected as an Due option and the resulting date is a weekend or holiday, the previous working day will be selected.
Behavior by Context:
- Manual Tasks: New due options apply only to Follow-ups.
- Automation: New due options apply to both Due Date and Follow-up fields.
(Core) LOS: Added ability to print Income Analyzer data from the Financial Info section. (HOT-29864)
As part of the recent enhancements to the Income Analyser, a print option has been added to allow users to easily generate and print the income analysis data.
(Core) ARIVE Forms: Enabled generation of Borrower Authorization form for a single borrower, even when multiple borrowers exist on the same 1003 application. (HOT-33740)
Enabled generation of Borrower Authorization for a single borrower even when multiple borrowers are on the same 1003.
Introduced two additional ARIVE forms specifically designed for single borrower e-signature:
- Borrower Signature Authorization - Single Borrower
- Borrower Certification & Authorization - Single Borrower
(Core) ARIVE Forms: Notice of Action Taken (adverse action) Process (HOT-34926)
The "Date Action Taken (Adverse Loan Date)" field in the “Notice of Action Taken (Adverse Action)” form is now editable, allowing users to input or modify the date as needed.
