|Topics||Description||What will change||Target Dates|
|AMI (Annual Monthly Income)||The new monthly qualified income field is a total monthly income provided for borrowers on the loan.||Monthly Qualified income field on the UI.
A new notes an advisories will display if MQI was not provided and will display an annual monthly income ratio when provided for pricing and eligibility.
|Complete (late December)|
|DSCR||Investors support DSCR ratio to determine the best product for the loan scenario. Loansifter will have a new DSCR ratio field in the expanded guidelines. This field will display when the broker selects Income Verification: Investor-DSCR.||Products today that display as title products with different DSCR ratio will now be attribute based and the product that best fits the ratio provided will display.||April 7th (ish)|
|VA Funding Fee & FHA monthly MIP premium decreasing||Recently announced changes for premiums for the Up Front VA Funding Fee and the FHA MIP premium is announced to decrease
VA FF Tech Request with links Case: 00249553 ~ Salesforce – Unlimited Edition
|Working toward early April for all of OB and Loansifter|