GSE Integrations and Services 23.2 September Service Pack: Feature Enhancements

• Attribute: CreditScoreValue

• Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/CREDIT_SCORES/CREDIT_SCORE/CREDIT_SCORE_DETAIL

  

• Logic prior to this release:

  • If all three fields above are present for primary borrower, calculate the average score to export

  • If two are present, send the lower value in export

  • If one is present, send that value in export

  • If no values are present in the credit score fields, then export default value of '100'

• Logic update with this release:

  • If field ULDD.GNM.X1172 = FHA, VA or USDA Rural Development, then use the below additional logic:

  • If all three credit provider fields are present for primary borrower, send the median value to CreditScoreValue

  • If two are present, send the lower value to CreditScoreValue

  • if one is present, send that value to CreditScoreValue

  • If no values are present, then export default value of '100' to CreditScoreValue

  • or else if ULDD.GNM.X1172 = Public and Indian Housing then send the default value of '200' to CreditScoreValue. If there are values in any of the credit score fields (67, 1450, and/or 1414), do not look at them, just export '200'.

  • If ULDD.GNM.X1172 is not checked, then do not send export anything to CreditScoreValue

[Supported on Encompass 23.3 and later versions]

GNMA has different requirements for the LTVRatioPercent and CombinedLTVRatioPercent compared to GSEs. The LTV and CLTV values sent to GNMA from Encompass should include any Upfront MI or VA Funding Fee, whereas GSEs calculate the LTV/CLTV using the base loan amount (not including upfront MI or the VA Funding Fee).

Prior to this release, Encompass users implemented business rules and custom fields for calculating LTV and CLTV. The Encompass 23.3 Major Release includes two new fields Ginnie Mae LTV (field ID ULDD.GNM.GinnieMaeLtv) and Ginnie Mae CLTV (field ID ULDD.GNM.GinnieMaeCltv) that can be used to update the mapping.

For more information, see New Ginnie Mae-Specific Fields Added to ULDD/PDD Input Form.

You will need to rewrite your business rules calculate the values of these two new fields.

• XPath:

  • MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LTV

  • MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/COMBINED_LTVS/COMBINED_LTV

• Attributes:

  • LTVRatioPercent

  • CombinedLTVRatioPercent

• Logic prior to this release:

  • Field ID 353 is sent for LTVRatioPercent. If a loan is a modification (ULDD.X4) then the value in sent for loan state of 'AtModification'. If loan is not a modification (ULDD.X4 is null) then the value is sent for loan state of 'AtClosing'.

  • Field ID 976 is sent for CombinedLTVRatioPercent (and is not dependent to send in a different loan state as LTVRatioPercent.

• Logic update with this release:

  • Look for values in new fields first (ULDD.GNM.GinnieMaeLtv and ULDD.GNM.GinnieMaeCltv), if values exist in those new fields then send. If no values exist in those new fields, then look at the existing fields (353 & 976).

  • No update to the existing/current logic for any Encompass version prior to 23.3.

  • For Encompass version 23.3 and later, the following new logic will be added.

  • If ULDD.GNM.GinnieMaeLtv has a value, then this will be sent to LTVRatioPercent instead of field ID 353. We should send the value for loan state of AtModification or AtClosing same as it maps today.

  • If ULDD.GNM.GinnieMaeLtv does NOT have a value, then follow current logic today for sending field ID 353.

  • ULDD.GNM.GinnieMaeCltv has a value, then this will be sent to CombinedLTVRatioPercent to the same location as prior to the Encompass 23.3 Major Release.

  • If CombinedLTVRatioPercent does NOT have a value, then follow current logic today for sending field ID 976.

[Supported on Encompass 23.3 and later versions]

The Encompass 23.3 Major Release introduces a new Reperforming Loan checkbox (field ID ULDD.X199) to the Ginnie Mae tab of the ULDD/PDD Input Form.

For more information, see New Ginnie Mae-Specific Fields Added to ULDD/PDD Input Form.

This GSE release maps the Reperforming Loan values to the correct data points in the XML to help ensure that for users submitting through the VTT Tool, GNMA can identify a reperforming loan and have all the accurate data to buy the loan.

Mapping details:

• Attribute: ReperformingLoanIndicator

• Field ID: ULDD.X199

• Sort ID: 93.1

• Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL/EXTENSION/OTHER

• Loan State Type: AtClosing

• Logic:

  • If field ID ULDD.X199 is selected, send "true" to ReperformingLoanIndicator

  • Or else if field ID ULDD.X199 is not selected, send "false" to ReperformingLoanIndicator

Mapping for this new datapoint included with this release.

• XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL

  • LOAN_DETAIL goes under the LoanStateType of Current

• Data Point: ENoteIndicator

• Logic:

  • If field ID 4689 = Hybrid With eNote or eSign Only or if field ULDD.X196 is checked, then send "true" to ENoteIndicator

  • Or else if field ID 4689 is null or equals Ink only or Hybrid or if field ULDD.X196 is unchecked, then send "false" to ENoteIndicator

This is no longer included in the XML file. Prior to this release, ApplicationReceivedDate was sent IF ConstructionMethodType=Manufactured. This resulted in errors when trying to submit a manufactured loan when PoolSuffix of SF. To address the issue, ApplicationReceivedDate has been removed from the mapping

Mapping for this new datapoint included with this release.

• Attribute: NoteDate

• Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/TERMS_OF_LOAN

• Logic prior to this release:

  • if there's a value in field ID 2553 (Disbursement Date) and field ID ULDD.X4 is blank then send the value from date value from field ID 2553 to NoteDate

  • or else do not send

• New logic:

  • If there's a value in field ID L770 (Note Date) and field ID ULDD.X4 is not selected, then send the date value from field ID L770 to NoteDate

  • or else do not send

Prior to this release, business rules needed to be implemented to leverage field ID 1040 to map to Agency Case No. With this release, the following fields are being included in the Agency Case No mapping:

• Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_IDENTIFIERS/LOAN_IDENTIFIER

• Updated Logic:

  • If field ID 1172 (Mortgage Type) equals FHA or VA, then send the value from field ID 1040 to LoanIdentifier and send "AgencyCase" to LoanIdentifierType. If there is no value in field ID 1040 then do not send anything to LoanIdentifier, but still send "AgencyCase" to LoanIdentifierType.

  • Or else

  • if field ID 1172 (Mortgage Type) equals USDA-RD, then take the values from field IDs USDA.X120, USDA.X121 and USDA.X122 and send the cumulative value to LoanIdentifier and send "AgencyCase" to LoanIdentifierType.

  • If field IDs USDA.X120, USDA.X121 and/or USDA.X122 are blank, do not export anything to LoanIdentifier, but still send "AgencyCase" to LoanIdentifierType

  • If there is no value in any of these field IDs: USDA.X120, USDA.121 and USDA.122, then do not send anything to LoanIdentifier, but still send "AgencyCase" to LoanIdentifierType.

• New Additional Logic for sending LoanIdentifier when field 1172 is USDA:

  • Additional Logic for sending LoanIdentifier when field 1172 is VA or FHA prior to this release (continued support)

    • Strip any special characters, including "-", from field 1040

    • If after removing any dashes, the value in any of the above fields does not equal 15 alpha-numeric characters, add leading zeros to make it 15 characters and then send that value to LoanIdentifier and send AgencyCase to LoanIdentifierType

    • If after removing any dashes, the value any of the above fields exceeds 15 alpha-numeric characters, send that value to LoanIdentifier and send AgencyCase to LoanIdentifierType

    • Add a leading zero

    • if USDA.X120 does not equal 2 digits, then add a leading zero

    • if USDA.X121 does not equal 3 digits, then add leading zeros to make it equal to 3 digits

    • If USDA.X122 less than 9 characters, do not add a leading zero

    • Strip any special characters, including "-"

    • if USDA.X120, USDA.X121 and/or USDA.X122 are blank, do not export anything to LoanIdentifier, but still send "AgencyCase" to LoanIdentifierType

  • NOTES:

    • USDA.X120-122 are numeric only values (USDA loans only). For VA/FHA the values can be AlphaNumeric

    • USDA.X122 is populated by the value entered in field USDA.X220. If dashes are entered in field USDA.X220, they will come over to field USDA.X122. No dashes can be exported. Validate that any special characters are not being exported for this attribute.

    • FHA Case Numbers are 10 digits

    • VA Case Numbers are 12 digits

    • USDA Case Numbers are 14 digits

Example of how the LoanIdentifierType is now sent for USDA loans:

[Supported on Encompass 23.3 and later versions]

The Encompass 23.3 Major Release introduces new fields to support additional data points needed when rental income is derived from an Accessory Dwelling Unit on the subject property.

For more information, see Freddie Mac 5.3 Updates: New Accessory Dwelling Unit (ADU) Fields.

This GSE enhancement maps the values in the new fields to the correct data points in the ULAD XML when the subject property includes an accessory dwelling unit with rental income.

Mapping details:

• Attribute: lpa:AccessoryDwellingUnitTotalCount

• Logic:

  • If field ID 1172 (Mortgage Type) = Conventional AND field ID 19 (Purpose of Loan) = Cash-Out Refi OR No Cash-Out Refi AND field ID FM0128 (repeating field, Subject Property Indicator) is checked AND field ID URLA.X310 (ADU Count) has a value, send that value to lpa:AccessoryDwellingUnitTotalCount (see Xpath below)

    • Xpath for Asset-Owned (Refi scenarios): MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/PROPERTY_DETAIL/EXTENSION/OTHER/lpa:PROPERTY_DETAL_EXTENSION

  • Or else

  • If field ID 1172 (Mortgage Type) = Conventional and AND field ID 19 (Purpose of Loan) = Purchase AND field ID URLA.X310 (ADU Count) has a value, send that value to lpa:AccessoryDwellingUnitTotalCount (see Xpath below)

    • Xpath for Property-Subj (Purchase scenarios): MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/PROPERTY_DETAIL/EXTENSION/OTHER/lpa:PROPERTY_DETAIL_EXTENSION

  • Or else do not send

[Supported on Encompass 23.3 and later versions]

The Encompass 23.3 Major Release introduces a new enumeration, HeritageOne, to be sent to LoanProgramIdentifier.

For more information, see New HeritageOne Enumeration Added to Freddie Mac Additional Data Form.

This GSE enhancement maps HeritageOne (when selected in Encompass) to LoanProgramIdentifier in the ULAD XML.

Mapping details:

• New Enumeration: HeritageOne

• Attribute: LoanProgramIdentifier

• Field ID: CASASRN.X209 (Offering Identifier)

• Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_PROGRAMS/LOAN_PROGRAM

• Logic Update (last bullet point is the new mapping to support HeritageOne. All other bullet points are existing mapping from prior to the release, and will remain): If Freddie Mac Offering identifier (CASASRN.X209) equals:

  • Home Possible, then send "HomePossibleMortgage" to LoanProgramIdentifier

  • HFA Advantage, then send "HFAAdvantage" to LoanProgramIdentifier

  • Refi Possible, then send "RefiPossible" to RefinanceProgramIdentifier

  • HeritageOne, then send HeritageOne to LoanProgramIdentifier

Prior to this release, AlterationsImprovementsAndRepairsAmount is always included in the LPA ULAD XML file. If no value exists in field ID 967, then 0.00 is included in the ULAD. Construction Loan Indicator equals "true" or LoanProgramIdentifier equals CHOICERenovation was not considered in the mapping. With this release, the following mapping updates are being made:

• Attribute: AlterationsImprovementsAndRepairsAmount

• Field ID: 967

• Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUMENT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/URLA/URLA_DETAIL

• Logic Updates:

  • If field ID URLA.X133 (Construction Loan Indicator) is selected and a value in field ID 967 exists, then send the value from field ID 967 to AlterationsImprovementsAndRepairsAmount

  • Or

  • If field ID CASASRN.X212 equals CHOICERenovation or GreenCHOICE and a value in field ID 967 exists, then send the value from field ID 967 to AlterationsImprovementsAndRepairsAmount

  • Or else do not send

LPA ULAD mapping update to ensure that EnergyImprovementsAmount is sent on all CHOICE products so that LPA can assess the loan accurately.

Attribute: lpa:EnergyImprovementAmount

• Field ID: 157

• Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL/EXTENSION/OTHER/lpa:LOAN_DETAIL_EXTENSION

• Updated Logic:

  • If field ID 157 (Mortgage loan will finance energy-related improvements) is checked

  • and field ID CASASRN.X212 (CHOICE Offering Type) is selected

  • and a value in field ID 4785 (Energy Improvement Amount), exists, then send that value to LPA:EnergyImprovementAmount

  • Else do not send