🛠️ IMPROVEMENTS
Updated the v1 API and published spec for the new loan product terms:
Selected mortgage products now accept and return fixedTerm, adjustmentFrequency and interestOnly. Loan type and amortization type are derived server-side.
The amortizationType enum no longer includes Balloon.
Borrower email is no longer required.
Tightened API key permissions for AI Agent management. The AI Agents scope now sits behind the same internal entitlement as the rest of the AI Configuration group, so creating or deleting agents, changing system prompts and model bindings, and importing agent configuration are no longer available to standard API keys.
🚀 NEW FEATURES
More control over creating laon products
Define any term combination your pricing supports — 11, 13 or 14 Year Fixed, custom ARM structures — without waiting for a catalog addition.
The Add/Edit Product screen now builds a product from its own attributes (loan type, amortization type, loan term, fixed term, interest-only, adjustment frequency), with dependent fields and cross-field validation.
Product names are generated from the product's actual terms, and priced products with term combinations outside the catalog are no longer dropped during pricing ingestion.
Featured products are now configured per tenant rather than globally.
🐛 Bug Fixes
Fixed the Edit Borrower dialog leaving the address fields blank for borrowers with more than one address record, and then overwriting the stored address with those blanks on save. Addresses now populate correctly, so updating a phone number or email no longer erases the borrower's address — which feeds credit ordering, disclosures, the URLA and compliance.
Fixed Send to Signer(s) appearing to do nothing when a borrower on the loan has no SSN. The send now either completes or returns a message naming the borrower and the missing field. Nothing was ever partially sent.
Fixed APR calculation on adjustable-rate interest-only loans. APRs now reflect the actual payment stream — the interest-only period and the amortizing period are treated separately, and prepaid finance charges are included on full-term interest-only loans — so the APR disclosed on the Loan Estimate, Closing Disclosure and Loan Worksheet is accurate.
Fixed the Loan Worksheet rendering "APR 0.000%" on ARM loans saved through the API. The supplied APR is now retained instead of being zeroed whenever ARM index data is present, in the PDF and XLSX worksheet and in downstream disclosure documents.
Fixed imported loans with term combinations outside the standard catalog being silently changed to 30 Year Fixed. MISMO and lead imports now keep the loan's actual terms, so a non-standard term no longer propagates the wrong amortization facts to disclosures, exports, the URLA, the 1008 and the pre-approval letter.
Fixed interest-only loan terms in MISMO and AUS export and import. The full amortization period is now sent — rather than the amortizing remainder — on Freddie Mac/LPA, Staircase AUS and DocMagic requests, the interest-only term survives a MISMO round trip, and LenderPrice child quotes no longer inherit the parent's amortization term.
Fixed ARM caps and a maximum lifetime rate being stored on Fixed-rate product selections saved through the API, where those values have no meaning.