--- title: "Document Updates: “Mo.” Abbreviation and ARM Construction to Perm Loans on the LE/CD (Cx18565 and Cx18566)" description: Join the First American network of trusted title agents with comprehensive tools and resources. --- - Solutions - [Overview](https://docutech.com/solutions/) - [Document Solutions](https://docutech.com/solutions/document-solutions) - [eClosing](https://docutech.com/solutions/eclosing/) - [Document Generation](https://docutech.com/solutions/document-generation) - [Fulfillment](https://docutech.com/solutions/solutions-fulfillment) - Resources - [Overview](https://docutech.com/resources/) - [Solution Briefs](https://docutech.com/resources/solution-briefs) - [Request a Demo](https://docutech.com/docutech-request-a-demo) - [Compliance](https://docutech.com/resources/compliance) - [Blog](https://blog.docutech.com) - Partners - [Overview](https://docutech.com/partners/) - About Us - [Overview](https://docutech.com/about-us/) - [Contact Us](https://docutech.com/about-us/contact-us) - Let's Talk - Solutions - [Overview](https://www.docutech.com/solutions?hsLang=en) - [Document Solutions](https://www.docutech.com/solutions/document-solutions?hsLang=en) - [eClosing](https://www.docutech.com/solutions/eclosing?hsLang=en) - [Document Generation](https://www.docutech.com/solutions/document-generation?hsLang=en) - [Fulfillment](https://www.docutech.com/solutions/solutions-fulfillment?hsLang=en) - Resources - [Overview](https://www.docutech.com/resources?hsLang=en) - [Solution Briefs](https://www.docutech.com/resources/solution-briefs?hsLang=en) - [Request a Demo](https://www.docutech.com/docutech-request-a-demo?hsLang=en) - [Compliance](https://www.docutech.com/resources/compliance?hsLang=en) - [Blog](https://blog.docutech.com/) - Partners - [Overview](https://www.docutech.com/partners?hsLang=en) - About Us - [Overview](https://www.docutech.com/about-us?hsLang=en) - [Contact Us](https://www.docutech.com/about-us/contact-us?hsLang=en) # Document Updates: “Mo.” Abbreviation and ARM Construction to Perm Loans on the LE/CD (Cx18565 and Cx18566) Oct 20, 2025 Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) **Construction to Permanent ARM Loans** After an audit, we have adjusted the language in the Loan Estimate (Cx18565) and Closing Disclosure (Cx18566) for ARM Construction to Permanent loans when the construction rate is not the same as the interest rate. These language adjustments are based on the information contained in both CFPB TRID for Construction Loan Guides (for combined, one-transaction disclosures and for separate construction and permanent phase disclosures). When the Loan Purpose (FI 1063) is ‘Construction to Perm’ and the Amortization Type (FI 99) is ‘Adjustable Rate’ (ARM) and the Construction Loan Interest Rate (FI 539) is NOT the same as the Interest Rate (FI 1005), then the Interest Rate disclosure in the **Loan Terms** sections of the LE/CD will now read: "Adjusts once starting in \_\_\_\_\_\_\_\_\_\_" The blank is populated with (year \[x\]) or (month \[y\]) as appropriate, depending on the construction term + 1 month. Example: "Adjusts once starting in *mo. 13*" Under these same conditions, we have updated the **AIR Table**, specifically the two lines in the "Change Frequency" sections as follows: "First Change" line will now read: Beginning of \[Construction Term + 1 month\] month Example: "Beginning of *13th* month" "Subsequent Changes" line will now read: \[Construction Term + ARM Fixed Period + 1 month\] month & every \[Periodic Rate Change Months\] month after Example: "*61st* month & every *6th* month after" **‘Month’ to ‘Mo.’ Abbreviation Change** In each row of the **Loan Terms** section, any time the disclosure language previously said “month”, the abbreviation “mo.” will be used instead. **Effective Date** These changes are available for testing on Stage & Stage 2 servers and will take effect on October 28, 2025. If you have any questions or concerns, please contact Client Support at 1.800.497.3584. *COM-6042 DR-184089* ###### **The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third-party should consult with an attorney prior to embarking upon any specific course of action.** [Return to Blog](https://compliance.docutech.com) ### Stay informed. --- Subscribe to emails to get notified when new content is published. ### Category / Topics [Document Updates](https://compliance.docutech.com/tag/document-updates) ### Recent Posts #### [Document Updates: Washington Foreclosure Prevention Fee Disclosure (Cx28412)](https://compliance.docutech.com/document-updates-washington-foreclosure-prevention-fee-disclosure-cx28412-1) Oct 20, 2025 #### [Document Updates: New Nebraska Net Tangible Benefit Disclosure (Cx29105)](https://compliance.docutech.com/document-updates-new-nebraska-net-tangible-benefit-disclosure-cx29105) Oct 20, 2025 #### [Document Updates: Request for a Certificate of Eligibility for VA Home Loan Benefits (Cx26687)](https://compliance.docutech.com/document-updates-request-for-a-certificate-of-eligibility-for-va-home-loan-benefits-cx26687) Oct 20, 2025 The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action. 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