TQL Services 21.3 Release: Feature Enhancements
This section discusses the updates and enhancements to existing forms, features, services, or settings included in this release.
Mortgage Insurance Service
AUS and AUS Valid 231 request files have been updated with the following:
- Sum of Supplemental Property Insurance and Other mapped to OtherHousingExpense: AUS and AUS Valid 231 request files now include the sum of amounts in Supplemental Property Insurance (field ID URLA.X144) and Other (field ID 234) in <PROPOSED_HOUSING_EXPENSE _PaymentAmount="<sum of amounts entered>" HousingExpenseType="OtherHousingExpense"
- Other Assets Now Sent as Liquid or Non-Liquid Assets: URLA 2020 - Section 2b. Other Assets You Have - Borrower and Co-Borrower - Field IDs URLAROA0002 and URLAROA0004: For loans with entries of Asset Type = 'Other', where, for the:
- First entry 'Other Description' is set to 'Other Liquid Asset'
- Second and additional 'Other Description' entries set to 'Other Non-LiquidAsset'
- Additional 'Other Description' entries set to blank or manually type in any value.
- Any entry marked with Asset Type of 'Other' and 'Other Liquid Asset' will be sent in request file for asset and OtherAssetTypeDescription of 'OtherLiquidAssets'
- Any entry marked with Asset Type of 'Other' and 'Other Non-Liquid Asset' will be sent in request file for asset and OtherAssetTypeDescription of 'OtherNonLiquidAssets'
- Any entry marked with Asset Type of 'Other' and Other Description is blank or manually typed in will be sent in request file for asset and OtherAssetTypeDescription as 'OtherNonLiquidAssets'
Prior to this release, "Other" entries were mapped as a PURCHASE_CREDIT instead of ASSET.
- Supplemental Property Insurance (field ID URLA.X144): If Supplemental Property Insurance exists on the loan (field ID URLA.X144 is populated), then the request files will include the entry and amounts as:
- <PROPOSED_HOUSING_EXPENSE _PaymentAmount="<dollar amount entered>" HousingExpenseType="SupplementalPropertyInsurance"
- SecondaryResidence: SecondaryResidence is now sent in the PriorPropertyUsageType attribute of the MI request XML for new URLA loans
- When FHA Secondary Residence (field ID 981 or 1015) is selected in the Declaration Section of the URLA 2020 (Section 5A - Question #2) input form, SecondaryResidence value is now sent in the PriorPropertyUsageType attribute for all request types
- OtherLiability: When Other is selected as a liability type in section 2d of the URLA 2020 input form, OtherLiability value is now sent in the Type attribute of the Liability container element for _all request types
- Sum of All GiftsNotDeposited and GiftsTotal: Total of all gifts included in the loan (URLA Section 4d. Gifts or Grants You Have Been Given or Will Receive for this Loan) are now mapped in the request file.
- Amount - Field ID URLARGG0121, URLARGG0221 (repeatable fields)
- Assets sent in request file from this section are mapped individually - Totals for the sum of deposited amounts and sum of amounts that is not deposited for borrower, coborrower or both are sent.
- Entries in section 4d showing as "Deposited" in Deposited column dropdown: All deposited amounts from this section are added as follows
- Bor/Cob/Both column dropdown shows "Borrower" or <blank>
- Send to <Asset Borrower ID="BOR1" _Type="GiftsTotal" _CashOrMarketValueAmount=<sum of all amounts marked as deposited>
- Bor/Cob/Both column dropdown shows "CoBorrower"
- Send to <Asset Borrower ID="COB1" _Type="GiftsTotal" _CashOrMarketValueAmount=<sum of all amounts marked as deposited>
- Bor/Cob/Both column dropdown shows "Both"
- Send to <Asset Borrower ID="BOR1 COB1" _Type="GiftsTotal" _CashOrMarketValueAmount=<sum of all amounts marked as deposited>
- Bor/Cob/Both column dropdown shows "Borrower" or <blank>
- Entries in section 4d showing with "No' or <blank> in Deposited column dropdown: All amounts from this section added as follows:
OtherAssetTypeDescription for any entries in this section of gifts and grants will no longer be sent in the request file.
- Bor/Cob/Both column dropdown shows "Borrower" or <blank>
Send to <Asset Borrower ID="BOR1" _Type="GiftsNotDeposited" _CashOrMarketValueAmount=<sum of all amounts marked as no or blank>
- Bor/Cob/Both column dropdown shows "CoBorrower"
Send to <Asset Borrower ID="COB1" _Type="GiftsNotDeposited" _CashOrMarketValueAmount=<sum of all amounts for coborrower marked as no or blank>
- Bor/Cob/Both column dropdown shows "Both"
- Send to <Asset Borrower ID="BOR1 COB1" _Type="GiftsNotDeposited" _CashOrMarketValueAmount=<sum of all amounts for both marked as no or blank>
- Amount - Field ID URLARGG0121, URLARGG0221 (repeatable fields)
TQL-31625, TQL-31624, TQL-31522, TQL-31523, TQL-31521, TQL-31520, TQL-31509
Encompass Fraud Service
If a borrower has multiple employers, data for the first two employers for each borrower are now being sent in the request file.
TQL-30912
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