🛠️IMPROVEMENTS
Added the ability to generate the disclosure package without a credit report
Refreshed the Settings experience with a modernized layout and navigation:
Updated visual design and menu structure across all settings pages
Added a full audit trail for rate lock activity — every rate lock workflow event is now captured so you can see exactly what happened, when, and by whom
Loan Worksheet now displays more fees on the form, reducing the need to scroll or expand sections
Cleaned up the gift letter template by removing the redundant "Address of Same" line item
🚀NEW FEATURES
Added standalone versions of key disclosure forms so they can be generated, sent, or signed independently of the full disclosure package:
Privacy Policy (now exposed to all tenants by default)
Credit Authorization
Title Order Form
Letter of Explanation for Credit Inquiries (primary and co-borrower)
Credit Score Disclosure (primary and co-borrower, available regardless of credit report status)
E-Consent
Anti-Steering
Borrower's Certification & Authorization
Patriot Act Form
🐛 Bug Fixes
Fixed several Rate Lock dialog issues:
The Lock Rate button no longer appears in the zero state
Pricing adjustment rows now honor the Dark Mode theme on hover
Pricing adjustments can now be edited and saved on mobile
Resolved Verification of Mortgage being generated when the liability status is set to Proposed
Fixed the Prepaid Interest modal not auto-calculating Days and First Payment Date when the Estimated Closing Date key date was unset before the fee was added
Prevented users from flagging service providers in the Edit Business Contact dialog