LPA and DU Version Upgrades

Date Available: Beta 2/14, Prod 3/14

Which customers are impacted?: Customers using DU and/or LPA in Blend. Customers must also have enabled the previous DU and LPA upgrades and have enabled the SCIF updates. 

How to turn on: This feature will automatically be turned on for all customers on the dates listed above.

Purpose of Update and Benefit:

This release will update Fannie Mae’s Desktop Underwriter (DU) to version 1.8.3 and Freddie Mac’s Loan Product Advisor (LPA) to version 5.2.00. All upgrades as part of this release have been tested and approved by Fannie Mae and Freddie Mac, respectively.

Please note that the majority of the changes for both AUS version upgrades are related to the SCIF requirements and are being completed as part of our “Support for Supplemental Consumer Information Form (SCIF)” release. Therefore customers will want to ensure that the SCIF feature is enabled in their environment to ensure all changes for the version upgrades are reflected in their environment(s). 

Current Behavior:

Blend is currently on LPA 5.1.00 and DU 1.8.2.

New Behavior:

Changes to DU:

Please refer to Fannie Mae’s DU Specification document for more detailed information on the changes between versions 1.8.2 and 1.8.3. Reminder that changes related to the SCIF fields are incorporated in a previous release. 

1. Updated the version to DU 1.8.3

2. Added a home width type for Manufactured Home property types

   1. When “Manufactured Home” is selected for the Property Type in the Subject Property Information section, a new dropdown called “Home Width Type” will appear. Loan teams will be able to choose “Multi-Wide” or “Single-Wide” from that second dropdown. 

2. The corresponding width type will be populated in the mismo 

3. Add the question “Is this a contract for deed transaction”? In order to capture and export this value in the MISMO, a config needs to be enabled for customers. Please contact Blend Support or your Blend representative in order to configure this in your environment. 

Changes to LPA: 

Please refer to Freddie Mac’s Loan Product Advisor v5.2.00 Request File Specification for detailed information on the changes for this new version. Reminder that changes related to the SCIF fields are incorporated in a previous release. 

1. Updated the version to LPA 5.2.00 

2. Updated the PurchaseCreditSourceType enumeration for “Closing Costs” selected in “Other Assets”.

3. Updated the HousingExpenseType enumeration for “LivingRentFree” 

4. Updated the conditionality for when we send FHASecondaryResidenceIndicator under declarations 

5. Updated the conditionality for when we send PresentlyDelinquentIndicator

6. Added a text field for “Other monthly costs” in the REO section called “Other monthly costs description”. This field will only appear when an amount is entered into “Other monthly costs”. This field will be exported in MISMO.

7. Added a new dropdown question for related loans in the other new mortgage loan information section (in Subject Property Information). We included enumerations that are accepted by DU and LPA. 

0 Votes