GSE Integrations and Services 23.3 December Critical Patch: Feature Enhancements

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

ULDD

(Updated on 12/13/2024)

The ULDD updates described below will be available in Encompass (desktop version) on 12/14/2023. They will be available in the web version of Encompass on 12/16/2023.

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" for the first borrower pair only

  • 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" for the first borrower pair only

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

Ginnie Mae PDD (Beta)

[Supported on Encompass 23.1 and later versions]

With the GSE Integrations and Services 23.2 September Service Pack Release, export was updated so that ENoteIndicator was mapped to LoanStateType of 'Current'. Export is being updated again with this release, per Ginnie Mae specifications, so that ENoteIndicator is now sent to LoanStateType of 'AtClosing'.

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

  • Data Point: ENoteIndicator

  • Logic Prior to this Release (no change in how True vs False is sent):

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

    • Or else if field ID 4689 is null or equals Ink only or Hybrid or if checkbox in field ID ULDD.X196 is not selected, then send "false" to ENoteIndicator

  • New Logic with this Release:

    • Update to send ENoteIndicator from LoanStateType of 'Current' to LoanStateType of 'AtClosing'

      There is no consideration for field ID ULDD.X4 checkbox selection (to send to LoanStateType of AtModification) - true/false will always be sent to AtClosing.

GSE-31074
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