GSE Integrations and Services 23.3 November 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)

[Supported on Encompass 23.1 and later versions]

The following Ginnie Mae PDD mapping updates fields are included in this release:

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

  • Data Points:

    • LoanIdentifierType = PoolIssuerLoan

    • LoanIdentifier (value using field ID ULDD.X21)

  • Export Update: Pool Issuer Loan Identifier (field id ULDD.X21) only includes capital alpha characters. Any lower-case letters converted to capital letters

GSE-29761

  • XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOWN_PAYMENTS/DOWN_PAYMENT

  • Data Points:

    • DownPaymentAmount

    • FundsType

  • Logic update: DownPaymentAmount is mapped from Down Payment field ID 1335 and will be excluded from the export when the amount is a negative value

GSE-29760

  • XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/GOVERNMENT_LOAN/EXTENSION/OTHER

  • Data Point: GovernmentAnnualPremiumAmount

  • Logic prior to this release: Mapped from field ID ULDD.GNM.GovAnnlPrmAmt

  • Updated logic with this release:

    1. If 'Mortgage Insurance' field ID 232 is greater than zero, then take the value of field ID 232 multiplied by 12 and send to GovernmentAnnualPremiumAmount.

    2. If 'Mortgage Insurance' field ID 232 is null or zero, then check USDA Annual Fee field ID NEWHUD.X1707. If NEWHUD.X1707 is greater than zero, then take the value of field ID NEWHUD.X1707 multiplied by 12 and send to GovernmentAnnualPremiumAmount.

    • If both field ID 232 and field ID NEWHUD.X1707 are null or 0.00, then send 0.00 to GovernmentAnnualPremiumAmount.

      When MortgageModificationIndicator = "true" (ULDD.X4 is checked), provide this data point in the "AtModification" LOAN container; when MortgageModificationIndicator = "false" (ULDD.X4 is null) use the "AtClosing" LOAN container.

If the loan has both field IDs 232 AND NEWHUD.X1707 present with a value, value from step #1 above will be sent (field ID 232 multiplied by 12)

GSE-30158

  • XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/GOVERNMENT_LOAN/EXTENSION/OTHER

  • Data Point: GovernmentAnnualPremiumPercent (field id ULDD.GNM.GovAnnlPrmPrcnt)

  • Conditionality: Send if Mortgage Type = FHA (field ID 1172 = FHA)

    • If MortgageModificationIndicator = "true", use the "AtModification" LOAN container; if "false" use the "AtClosing" LOAN container

GSE-30339

  • XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/GOVERNMENT_LOAN/EXTENSION/OTHER

  • Data Point: GovernmentUpfrontPremiumPercent (field ID ULDD.GNM.GovUpFrontPrmPrcnt)

  • Conditionality: Send if Mortgage Type = FHA (field ID 1172 = FHA)

    • If MortgageModificationIndicator = "true", use the "AtModification" LOAN container; if "false" use the "AtClosing" LOAN container

GSE-30338

DU and LPA

Buydown fields logic has been updated to avoid Validation Warnings when submitting to DU/LPA:

Logic prior to this release:

  • If ContributorType (field ID CASASRN.X141) = Borrower, the following field IDs are used:

  • 1269 through 1274

  • 1613 through 1618

  • If ContributorType (field ID CASASRN.X141) not = Borrower, the following field IDs are used:

  • Rate 4535 through 4540

  • Months 4541 through 4546

Updated Logic:

  • If ContributorType (field ID CASASRN.X141) does not = Borrower and Buydown Type (field 4645) equals 1-0 then use these field IDs: 4535 and 4541

  • If ContributorType (field ID CASASRN.X141) does not = Borrower and Buydown Type (field ID 4645) equals 2-1 then use these field IDs: 4535, 4541, 4536, and 4542

  • If ContributorType (field ID CASASRN.X141) does not = Borrower and Buydown Type (field ID 4645) equals 3-2-1 then use these field IDs: 4535, 4541, 4536, 4542, 4537 and 4543

  • If ContributorType (field ID CASASRN.X141) = Borrower and Buydown Type (field ID 4645) equals 1-0 then use these field IDs: 1269 and 1613

  • If ContributorType (field ID CASASRN.X141) = Borrower and Buydown Type (field ID 4645) equals 2-1 then use these field IDs: 1269, 1613, 1270, and 1614

  • If ContributorType (field ID CASASRN.X141) = Borrower and Buydown Type (field ID 4645) equals 3-2-1 then use these field IDs: 1269, 1613, 1270, 1614, 1271 and 1615

EVPI-62

Freddie Mac: AIM Support

Form Free/AccountChek was recently acquired by Informative Research. In October 2023, Freddie Mac created a new enumeration "ACIR" for AccountChek. To support these updates, AccountChek enumeration "FF" has been replaced by the new "ACIR" enumeration with this release.

Logic for AccountChek Asset ID (Bor) (field ID CASASRN.X31) and AccountChek Asset ID (CoBor) (field ID CASASRN.X32) is unchanged. Only the value ACIR is now sent to lpa:RequestedDocumentVendorIdentifier in the LPA request file.

GSE-30332
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