GSE Integrations and Services 23.3 November Service Pack: Change Log

This Change Log lists each release notes entry that has been added, deleted, or modified since the initial pre-release version was published.

Change Type: Deleted entries

Change Date: 11.20.2023

Details: All ULDD feature enhancement entries removed due to a rollback of the features on Nov 17, 2023. These updates will be available in a future release. Details of the deleted entries below:

The following borrower-level First Time Homebuyer Indicator fields were added to the Fannie Mae and Freddie Mac ULDD input forms with the Encompass 23.3 Major Release:

Borrower First-Time Homebuyer - field ID 4973

Co-Borrower First-Time Homebuyer - field ID 4974

For more information, see: New Borrower-Level ULDD Fields for First-Time Homebuyer

With this release, ULDD export mapping logic for both Freddie Mac and Fannie Mae has been updated so that the FTHB indicator is sent over correctly, and there are no errors/discrepancies.

  • Sort ID: 597

  • Xpath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/DECLARATION/DECLARATION_DETAIL

  • Attribute: BorrowerFirstTimeHomeBuyerIndicator

  • IF PartyRoleType = "Borrower"

  • AND (LegalEntityType (field ID ULDD.X119) = "" OR (field ID ULDD.X119 = "Other" AND LegalEntityTypeOtherDescription (field ID ULDD.X121) = "Living Trust"))

  • AND field ID 19 (Purpose of Loan) = "Purchase, Construction, Construction-Perm or Other"

  • AND PropertyUsageType (field ID 1811) = "Primary"

  • BorrowerFirstTimeHomeBuyerIndicator

Notes:

  • If no value exists in field IDs 4973/4974 then look at field ID 934 so we can still support older versions of Encompass. If the value from field ID 934 exists, then send the value to both borrowers.

  • If all field IDs are blank (4973, 4974 and 934), then don't send BorrowerFirstTimeHomebuyerIndicator

  • Field IDs 4973, 4974 & 934 are Yes/No fields. For Yes send "true", and for No send "false"

  • Field IDs 4973 & 4974 are available in Encompass versions 23.3 and later versions

GSE-30570

  • IF PartyRoleType = "Borrower"

  • AND field ID 19 (Purpose of Loan) = "Purchase, Construction, Construction-Perm or Other"

  • AND PropertyUsageType (field ID 1811) = "Primary"

Notes:

  • If no value exists in field IDs 4973/4974 then look at field ID 934 so we can still support older versions of Encompass. If the value from field ID 934 exists, then send the value to both borrowers.

  • If all field IDs are blank (4973, 4974 and 934), then don't send BorrowerFirstTimeHomebuyerIndicator.

  • Field IDs 4973, 4974 & 934 are Yes/No fields. For Yes send "true", and for No send "false".

  • Field IDs 4973 & 4974 are available in Encompass 23.3 and later versions.

GSE-30673

ULDD Counseling Confirmation & Format Sort IDs 576-579 conditionalities updated to factor in BorrowerFirstTimeHomebuyerIndicator (Sort ID 597).

  • XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/ROLE/BORROWER/COUNSELING_CONFIRMATION

  • Sort IDs and Attributes:

    • 576 | CounselingConfirmationType

    • 577 | CounselingConfirmationTypeOtherDescription

    • 578 | CounselingFormatType

    • 579 | CounselingFormatTypeOtherDescription

  • Updated Logic for CounselingConfirmationType and CounselingFormatType: IF PartyRoleType = "Borrower" AND ((LoanPurposeType (field ID 19) = Purchase AND BorrowerFirstTimeHomebuyerIndicator (field IDs 4973/4974/934) = "Yes" for all borrowers AND (LoanAffordableIndicator (field ID 1551) is selected OR LTVRatioPercent (field ID ULDD.FNM.MORNET.X75) is > 95 OR CombinedLTVRatioPercent (field ID ULDD.FNM.MORNET.X76) is > 95 OR HomeEquityCombinedLTVRatioPercent (field ID ULDD.FNM.MORNET.X77) is > 95)) OR (LoanLevelCreditScoreValue (field ID VASUMM.X23) = 0))

  • 1 borrower on the loan: if field ID 4973 equals yes, then it meets the conditionality requirement for BorrowerFirstTimeHomeBuyerIndicator = True for all borrowers

  • 2 borrowers on the loan: if field IDs 4973 and 4974 equals yes, then it meets the conditionality requirement for BorrowerFirstTimeHomeBuyerIndicator = True for all borrowers. If only one field ID 4973 or 4974 equals yes and one equals no, then it does not meet the conditionality requirement for BorrowerFirstTimeHomeBuyerIndicator = True for all borrowers.

  • This applies to multiple borrower pairs as well. BorrowerFirstTimeHomebuyerIndicator must be True for all borrowers.

  • If field IDs 4973/4974 are blank, then look at field ID 934. If field ID 934 is yes, then it meets the conditionality requirement for BorrowerFirstTimeHomeBuyerIndicator = True for all borrowers

GSE-27177

Change Type: Updated entry

Change Date: 11.10.2023

Details: The Fannie Mae ULDD | Counseling Nodes Export Logic Update feature enhancement entry was updated to fix a typo. Field ID ULDD.FNM.MORNET.X75 was previously documented as ULDD.FNM.975.
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