Encompass Updates and Enhancements to Features - 22.3 Service Pack 1
This section discusses the updates and enhancements to existing forms, features, services, or settings that are provided in this release.
Form & Tool Enhancements
Under the guidance of the Federal Housing Finance Agency (FHFA), Freddie Mac collaborated with mortgage industry stakeholders to develop the Duty to Serve plan to make financing of manufactured housing and rural housing easier for families with very low-, low- and moderate-income, and preserve the affordability of these homes over time. To ensure that exported data reflects the latest Duty to Serve specification for exporting to Freddie Mac’s LPA (Loan Product Advisor), a new Duty to Serve & Existing Energy Improvements section has been added below the Freddie Mac Defined Data section on the Freddie Mac Additional Data input form. This section displays for loans using either the URLA 2020 or URLA 2009 input forms.
The new section includes the existing field for the Energy Improvement Amount (field ID 4785) and the following three new fields:
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A Renewable Energy Component Type drop-down list (field ID CASASRN.X207) with options for Geothermal, Solar, Wind Turbine, and Other Energy Component. The default value is blank.
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A free entry field for Deeds Restriction Term Months Count (field ID CASASRN.X207).
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An Energy Improvement check box (field ID CASASRN.X208) to indicate that the Energy Improvement Amount is a Freddie Mac energy improvement.
The Energy Improvement Amount (field ID 4785) is the sum of all liabilities that have all three of the following check boxes selected on a VOL entry: Will be paid off, Subject Property, and Energy Improvement. A Show All VOL button is available on the Duty to Serve & Existing Energy Improvements section header to enable users to open the Quick Entry - VOL pop-up window to access the entries on the VOL input form.
For mapping info, see Freddie Mac ULDD Phase IV Enhancements.
ENCW-75986
For loans using the URLA 2020 input forms, a new Itemize Credits check box (field ID 4796) has been added to the Total Credits section of the Qualifying the Borrower form to enable users to choose whether to itemize credits in Section M the form.
When the check box is selected, new rows for itemized entries are added to Section M and new calculations are implemented based on the itemized credits.
Updated sets of options also display in the drop-down lists in the new Section M.
The Itemize Credits check box is cleared by default to enable each customer to determine when to implement the Section M changes. Loan Templates can be used to select or clear the Itemize Credits check box. The recommended best practice is to determine when your company wants to implement the Section M changes and then update your loan templates on that date
If you select the check box and then clear it later:
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The data entered in the new fields is ignored.
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The old Section M options display in the drop-down lists.
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The old calculations run.
When a user switches from the URLA 2020 forms to the URLA 2009 forms, and then switches back to the URLA 2020 forms, the Itemize Credits check box is cleared.
For existing loans, if a value was previously entered for MI Premium Refund (field ID 1134), the value was also copied to the Section M line fields. If a user then selects the Itemize Credits check box, the value in Other Credits (field ID URLA.X149) will include the value for the MI Premium Refund twice because the new Section M calculations add the MI Premium Refund amount directly to the Other Credits. The recommended best practice is to not select the Itemize Credits check box for existing loans unless you also adjust the Other Credits amount to remove the additional MI Premium Refund amount.
ENCW-75258, ENCW-75249
The following five new fields have been added to the ULDD/PDD Freddie Mac form to enable users to identify Freddie Mac Programs and Products:
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Freddie Mac Offering identifier drop-down list (field ID CASASRN.X209)
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Freddie Mac Income Based Deed Restrictions drop-down list (field ID CASASRN.X210)
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Freddie Mac Community Land Trust Indicator drop-down list (field ID CASASRN.X211)
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Freddie Mac CHOICE Offering Type drop-down list (field ID CASASRN.X212)
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HomeOne check box (field ID CASASRN.X213)
ENCW-76228
Four new drop-down lists have been added to the Loan Terms and Amounts section on the Freddie Mac tab on the ULDD/PDD input form to enable users exporting the ULDD to Freddie Mac to select up to five loan programs.
ENCW-76235
Freddie Mac ULDD Phase IV Enhancements
The following mapping updates are included in this release:
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AboutVersionIdentifier: Updated to latest version
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XPath: MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION
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Parent Container: ABOUT_VERSION
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Data Point Name: AboutVersionIdentifier
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FRE Support Enumeration: FRE 5.0.0
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Conditionality: Required for all files
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EnergyImprovementAmount (field ID: 4785):
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XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL/EXTENSION/OTHER/LOAN_DETAIL_EXTENSION
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Parent Container: LOAN_DETAIL_EXTENSION
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Data Point Name: EnergyImprovementAmount
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Conditionality: IF field id FRE.ULDD.LoanProgramIdentifier = “GreenCHOICE” OR “GreenCHOICEToPayOffOutstandingEnergyDebt"
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RenewableEnergyComponentType (field ID: CASASRN.X207):
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XPath: /MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/EXTENSION/ULDD:OTHER/ULDD:PROPERTY_EXTENSION/ULDD:ENERGY_IMPROVEMENT/ULDD:ENERGY_IMPROVEMENT_ITEMS/ULDD:ENERGY_IMPROVEMENT_ITEM
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Parent Container: ENERGY_IMPROVEMENT_ITEM
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Data Point Name: RenewableEnergyComponentType
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FRE Support Enumeration
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Encompass Field Value (CASASRN.X207) |
Freddie Enum |
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Geothermal |
Geothermal |
Other Energy Component |
OtherEnergyComponent |
Solar |
Solar |
Wind Turbine |
WindTurbine |
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LoanProgramIdentifer: Mapping now includes the following 4 new fields:
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(Existing field which is already mapped: ULDD.FRE.LoanProgramIdentifier)
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ULDD.FRE.LoanProgramIdentifier2
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ULDD.FRE.LoanProgramIdentifier3
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ULDD.FRE.LoanProgramIdentifier4
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ULDD.FRE.LoanProgramIdentifier5
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For more information on LoanProgramIdentifier mapping, see the LoanProgramIdentifier Feature Enhancements entry in the GSE Integrations and Services 22.3 October Critical Patch Release Notes.
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InitialPrincipalAndInterestPaymentAmount (field ID: ULDD.FRE.LoanInitialPrincipalInterestPayment):
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XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/PAYMENT/PAYMENT_RULE
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Parent Container: PAYMENT_RULE
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Data Point Name: InitialPrincipalAndInterestPaymentAmount
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Conditionality:
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ULDD.X126 = Y
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Export type = Freddie
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This allows for the Freddie "Related Loan" nodes to export with @LoanRoleType = "RelatedLoan"
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DeedRestrictionTermMonthsCount (field ID: CASASRN.X206):
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Attribute: DeedRestrictionTermMonthsCount
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XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/EXTENSION/OTHER/PROPERTY_EXTENSION/DEED_RESTRICTION
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Conditionality:
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IF any of these fields Equal "IncomeBasedDeedRestrictionsTerminate" OR "IncomeBasedDeedRestrictionsSurvive" |
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IF field id ULDD.FRE.LoanProgramIdentifier (Sort ID 404) = "IncomeBasedDeedRestrictionsTerminate" OR "IncomeBasedDeedRestrictionsSurvive" |
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Renovations and Repairs: Existing field (field ID 967) added to the Freddie Mac tab in the ULDD/PDD input form, displays as Renovations and Repairs, to capture and map to AlterationsImprovementsAndRepairsAmount
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Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FORM_SPECIFIC_CONTENTS/FORM_SPECIFIC_CONTENT/URLA/URLA_DETAIL
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Parent Container: URLA_DETAIL
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Logic:
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IF any of these fields Equal "IncomeBasedDeedRestrictionsTerminate" OR "IncomeBasedDeedRestrictionsSurvive" |
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IF field id ULDD.FRE.LoanProgramIdentifier (Sort ID 404) = "IncomeBasedDeedRestrictionsTerminate" OR "IncomeBasedDeedRestrictionsSurvive" |
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Housing Finance Agency:
Workflow Tasks Enhancements
A new Blank (no value) option has been added to the Disposition drop down for workflow tasks. This new option enables users to select a the value to clear the existing disposition on the task.
To Clear the Disposition on a Task:
- From a loan in the web version of Encompass, select Tools from the left navigation menu.
- Select Workflow Tasks.
- In the Workflow Tasks Pipeline, select a task to view the task details.
- In the Disposition field, select Blank (no value).
- Select Apply.
ENCW-76108
Fixed Issues
Why we made these updates: The following issues were fixed to improve usability and to help ensure the web version of Encompass and the Web Input Form Builder is operating as expected. The issues that are chosen to be fixed are based on the severity of their impact to clients and client feedback.
An issue was discovered where users were unable to edit existing workflow rules where the resulting action was set to Apply Enhanced Conditions. When a user tried to edit a workflow rule with the Apply Enhanced Condition result option, the user received the following message:
We are unable to process your request.
This issue has been fixed, and now users can edit workflow rules with the Apply Enhanced Conditions result.
ENCW-78494
EmploymentBorrowerSelfEmployedIndicator: ULDD Sort ID 600 EmploymentBorrowerSelfEmployedIndicator was not triggering any of a borrower's current employment Self-Employed indicators. To fix the issue, logic for EmploymentBorrowerSelfEmployedIndicator has been updated:
Logic prior to this release:
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If FE0115/FE0215 (bor/cobor) is checked send "true" to EmploymentBorrowerSelfEmployedIndicator. Otherwise send "false".
Logic updates with this release:
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In addition to the existing logic,
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EmploymentBorrowerSelfEmployedIndicator will also export if the following new logic is true:
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Loop through all VOE records for the borrower/coborrower
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If the "Self-Employed" fields (BExx15/CExx15) are checked, AND the "Ownership Share is 25% or More" fields (BExx55/CExx55) is checked, send "true" to EmploymentBorrowerSelfEmployedIndicator
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Otherwise, if none of the VOEs pass the above logic, send "false".
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Workaround: Update data in GSE selling portal.
The following Fannie Mae ULDD mapping issues were fixed with this release:
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CreditReportIdentifier: Sort ID 580 CreditReportIdentifier was populating for a specific borrower or co-borrower, if that given borrower's or co-borrower's (borrower level) Sort ID 590 CreditScoreValue did not exist, triggering Early Check Warning 2037. To fix the issue, logic has been updated to:
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Only export "IF Sort ID 611-PartyRoleType = "Borrower" AND Sort ID 590-CreditScoreValue exists"
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Co-Borrower credit score values added to logic: 60,1452, 1415
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HELOCIndicator and LoanAffordableIndicator: 'HELOCIndicator' missing from the XML when False, and 'LoanAffordableIndicator' missing from the XML when True or False. To fix the issue, logic updated as follows:
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When Related Loan field ID ULDD.X126 is checked, export a LoanRoleType="RelatedLoan" (existing logic)
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Within that node when ULDD.X126 is checked, the following will always be sent, starting with this release:
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HELOCIndicator as true (ULDD.X132 is checked) or false (ULDD.X132 is unchecked).
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LoanAffordableIndicator as true (ULDD.X194 is checked) or false (ULDD.X194 is unchecked).
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For loans with inter vivos trust (e.g., Living Trust), Corp/Trust Name [field ID 1859] was being mapped as the Non-Individual Borrower Name for the primary borrower. No information was mapped for the co-borrower.
This has been updated to match Freddie Mac guidelines so that if the loan is a living trust, borrowers’ names, not the name of the trust, is now delivered as the Non-Individual Borrower Name.
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