1. Intelligence continues to be added to FHA validation, ensuring loan-impacting items aren’t missed.

Charlie can now instantly detect potential non-arm’s length transactions.

2. On the Loan Overview screen under Government, the Non-Arm’s Length indicator defaults to ‘No.'

3. When a seller is added as a party and their name closely matches the borrower…

4. …the Non-Arm’s Length indicator automatically changes to ‘Yes.’

5. At the same time, a Qualifies for Exception field appears for the user to confirm eligibility.

6. By editing the field, the box can be checked to indicate than an exemption applies.

7. The dropdowns allow the user to select the applicable guideline reason, such as 'Corporate Transfer' or 'Tenant Purchase.'

8. If no exception applies, this sets the stage for smart loan-to-value logic.

Coming soon, Charlie will be able to automatically apply the correct FHA LTV adjustment (85% or 96.5%) per program guidelines.