GSE Integrations and Services 23.1 March Service Pack: Feature Enhancements

This section discusses the updates and enhancements to existing forms, features, services, settings, and mappings included in this release.

Ginnie Mae PDD (Beta)

Pipeline menu option Ginnie Mae PDD Batch renamed to Ginnie Mae PDD Batch (Beta) to help indicate that the feature is part of Ginnie Mae’s beta rollout.

Supported on Encompass 23.1 and later versions.

GSE-28462

UCD Phase III

The following UCD Phase III mapping logic updates are included with this release:

Supported on all Encompass versions.

  • MISMO Parent Container and Data Point/Attribute Name

    • INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL

      • IntegratedDisclosureSectionType

      • IntegratedDisclosureSubsectionType

    • INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT

      • IntegratedDisclosureSubsectionPaidByType

      • IntegratedDisclosureSubsectionPaymentAmount

      • IntegratedDisclosureSubsectionPaymentTimingType

  • Logic update: When Lender Credits field ID CD2.XSTLC is null, the following needs to be included in the UCD export:

    • INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL

      • IntegratedDisclosureSectionType - export TotalClosingCosts

      • IntegratedDisclosureSubsectionType - export LenderCredits

    • INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT

      • IntegratedDisclosureSubsectionPaymentAmount - export 0.00

      • IntegratedDisclosureSubsectionPaidByType - export Buyer

      • IntegratedDisclosureSubsectionPaymentTimingType - export AtClosing

This will clear Fannie Mae UCD Error Code 3603 and Freddie Mac UCD Error Code DQC1416 (in prod)/CRIT0090 (in CTE).

  • MISMO Parent Container and Data Point/Attribute Name

    • FEE_DETAIL

      • IntegratedDisclosureSectionType

      • FeeType

    • FEE_PAYMENTS

      • FeeActualPaymentAmount

  • Logic update:

    • If field ID NEWHUD.X1151 is blank or equals 0.00

    • or

    • Field ID NEWHUD.X1153, NEWHUD.X1157, or NEWHUD.X1161 = Loan Discount Points AND the corresponding dollar field (NEWHUD.X1155, NEWHUD.X1159 or NEWHUD.X1163) is blank or equals 0.00

    • Then export as below:

      • FEE_DETAIL

        • Send OriginationCharges to IntegratedDisclosureSectionType

        • Send LoanDiscountPoints to FeeType

      • FEE_PAYMENTS

        • Send 0.00 to FeeActualPaymentAmount

This will clear the following messages:

  • XPath: INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL

  • DataPoint/Attribute: LenderCreditToleranceCureAmount

  • Export Update:

    • When Lender Credit field ID CD2.XSTLC is not null, always send LenderCreditToleranceCureAmount

    • If 'Cure applied to Lender Credit' field ID FV.X396 is blank and CD2.XSTLC is not null, send LenderCreditToleranceCureAmount as 0.00

This will clear Fannie Mae edit 3656 and Freddie Mac's error CRIT0093.

GSE-27183, GSE-27184, GSE-28027

Credit Provider Updates

Credit providers have been renamed and new credit providers added for Fannie Mae and Freddie Mac Services:

Supported on Encompass 23.1 and later versions.

  • Avantus renamed to Xactus for both Fannie Mae and Freddie Mac Services

    • For Freddie Mac, associated Credit Providers for Technical Affiliate Avantus/Xactus are:

      • Equifax Mortgage Solutions

      • Sharper Lending

If you place an order from Services through Xactus, it will default to Sharper Lending on the Freddie Mac’s Loan Product Advisor Request window.

  • Credit Technology, Inc renamed to Credit Technology, a dba of SettlementOne Data, LLC for both Fannie Mae and Freddie Mac Services

    • For Freddie Mac, associated Credit Providers for Technical Affiliate Credit Technology, Inc are:

      • (5) Equifax Mortgage Solutions

      • (2) Meridian Link, Inc.

  • LPA credit provider Advantage Credit, Inc. by Credit Interlink added under Equifax Mortgage Solutions (5) in the Freddie Mac’s Loan Product Advisor Request window

GSE-27476, GSE-26597, GSE-27284, GSE-28240, GSE-28072
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