Feature Enhancements in Version 22.2 Major Release

New functionality has been added to the Borrower Lookup page to allow administrators and loan officers (if enabled) to reset a borrower password. The Reset Password option generates a temporary password and sends it to the borrower. The borrower will then use the temporary password and their user name to create a new password.

Enabling Loan Officers to Reset Passwords

Administrators can enable loan officers to reset borrower passwords by clicking the gear icon () on the Borrower Lookup page, then selecting the Allow Loan Officers to Reset Password check box.

After selecting the check box, a confirmation dialog box will appear. The administrator must confirm their election to allow loan officers to reset borrower passwords on behalf of borrowers.

Resetting a Borrower Password

If a borrower cannot reset their own password using the forgot password option on the Account Login screen, the lender can reset their password for them from the Borrower Lookup page.

Reset Password Process

1. Lender generates a temporary password.

   On the Borrower Lookup page in Encompass Consumer Connect Admin, the lender locates the borrower's application details using the Borrower Lookup tool, then clicks Reset Password.

   

   The borrower portal generates and displays a temporary password.

   

   The lender provides the temporary password to the borrower. The lender can copy the password to the clipboard by clicking the Copy icon ()next to the password.

2. Borrower receives an email notification.

   When the temporary password is generated, Consumer Connect also sends an email notification to the borrower. The notification email informs the borrower that their password has been reset.

   

3. Borrower logs in with the temporary password and then creates a new password.

   On the borrower portal log in screen, the borrower enters the temporary password provided to them by the lender. The borrower enters and confirms their new password, and then clicks Submit.

   

The email notification template text editor has been updated to include the Referral field (field ID1822). The Referral field is a dynamic Encompass field. Lender administrators can insert the Referral field into an email template so the source of the application will be displayed in the email notification.

The Referral field is available for the following notifications:

• Loan Submission Email for Borrower

• Loan Submission Email for Co-Borrower

• Abandoned Application Email for Lender

• Loan Submission Failure Email for Lender

• Loan Submission Success Email for Lender

A new option has been added to Services Settings for Credit Authorization to require applicants to enter their names under the Credit Authorization Agreement, which is considered a signature. When Credit Authorization is enabled for a workflow, new signature fields appear on the Order Credit page of the loan application where applicants provide their signatures. Populating the signature fields establishes intent to apply for joint credit.

In the loan application, when the borrower selects the I/We accept the Credit Authorization Agreement check box, a signature field will appear for each borrower below the Credit Authorization Agreement. Signature fields are required. Each borrower must type their name into their respective field. Note that the Credit Authorization Agreement with the signature will not be stored in the eFolder.

With this release, lenders can duplicate loan application workflows across different websites from within the same instance. To support this new function, the Duplicate option on the Loan App Workflows page has been updated to display to two actions: Current Site and Select Other Site.

When Current Site is selected, a copy of the loan application workflow is added to the site. All loan application settings are duplicated in the loan application workflow.

When Select Other Site is selected, a copy of the loan application workflow is added to the site specified by the lender. Loan application workflows can be duplicated from site to site OR from embedded site to embedded site. All loan application settings are duplicated in the loan application workflow, except for Service Settings. Service Settings must be configured in the duplicate loan application workflow.

1. In Encompass Consumer Connect Admin, go to Loan Application Workflows.

2. Locate the loan application workflow you want to duplicate, then click the Duplicate icon ().

   

3. On the drop-down menu, click Select Other Site.

   The Duplicate Workflow dialog box appears.

4. Click on the Select a Site field and choose the site where you want to save the duplicate loan application workflow.

   Note that sites created before 2019 might not be displayed in the drop-down menu.

   

5. Click Submit.

   A copy of the loan application workflow is added to the selected site. It will be listed at the top of the workflows list with "(Copy)" appended to the title.

   

   When duplicating a loan application workflow, all loan application settings are copied over except for Service Settings. Service Settings must be configured on the receiving site after duplication.

Several updates have been made to improve the loan officer selection flow and mappings in Loan App Workflows and Website Builder settings. With these updates, the setting that associates a loan officer to a loan application workflow has been moved from the Website Builder page to the Loan App Workflows page. This setting is visible when one or more recipients are connected to a loan folder in the Website Builder page.

Action Required: All existing workflows with loan officer selection settings enabled must be reconfigured using the new settings. Instructions for configuring the new loan officer selection settings are provided below in Enabling Loan Officer Selection in a Loan Application on page 1.

Enabling Loan Officer Selection in a Loan Application

The following steps describe how to add loan officer selection fields to the loan application and how to populate the loan officer list that borrowers will choose from.

If you have existing workflows with loan officer selection enabled, you will need to follow the instructions below to re-associate your loan officers to the correct folder and add them to the Associated loan officers list in the loan application workflow.

1. Assign a loan folder to each of your loan application recipients.

   1. In the Encompass Consumer Connect Admin portal, click Website Builder.

   2. Make sure the site you want to edit is selected from the drop-down list at the top of the page.

   3. Go to the Loan App Recipient Folders section.

   4. Assign a loan folder to each loan application recipient that will receive loan applications from your site. To quickly locate the recipient's name, click the Search icon () and enter part or all of the loan application recipient's user name in the Search bar.

   5. Select the folder where new loan applications for the recipient will be saved in Encompass.

      

   6. When you are finished assigning folders to your loan application recipients, click Save.

2. Configure the loan application workflow.

   1. Go to Loan Application Workflows.

   2. Locate the workflow you want to update, then click the Edit icon.

   3. Under General Settings, turn on the Allow borrowers to select a Loan Officer for this application? toggle.

      When the Allow borrowers to select a Loan Officer for this application? toggle is on, the Add/Remove Loan Officers link is displayed.

      

   4. Click the Add/Remove Loan Officers link and select the loan officers for this application. The loan officers you select here will make up the Loan Officer list that borrowers will choose from.

      

   5. In the Loan Details section of the loan application workflow, make sure the loan officer-related fields, Are you currently working with a loan officer? and Choose the loan officer below, are enabled to Show in the loan application.

   6. Click Save.

   Existing Workflows

   For existing workflows that have loan officer selection enabled, the associations made between the loan officers, folders, and loan application workflows will be retained. In addition, the loan officers associated with the loan application workflow will populate the Associated loan officer list.

   

   Borrower Experience

   No changes were made to the borrower experience. When loan officer selection is enabled in a loan application, and the borrower clicks Yes on the Loan Details page to indicate they are currently working with a loan officer, the Choose the loan officer drop-down field will be displayed. The borrower can select the loan officer from the drop-down list.

   

Improvements have been made to the Loan Details, Personal Information, Assets, and Loan Summary sections of the loan application to give lenders the ability to edit section titles and to add instructional text.

The following example shows the editable Title field and new Description text area added to the Assets section of the loan application.

The following example shows the text as it would appear in the loan application.

The Velocify Lead Source List located in the Services Settings section of Loan App Workflows has been improved to display only the active lead sources. Inactive lead sources will be filtered out of the drop-down selection.

If the Down Payment Amount is higher than Estimated Purchase Price, a new validation message will appear stating, "<Down Payment amount> must be less than the <Estimated Purchase Price>

Starting with this release, the borrower's Date of Birth (Field ID 1402) will be a required field when the Order Credit service is enabled in a loan application workflow.

The following three fields have been added back into the Present Monthly Housing Expenses area of the loan application: First Mortgage (P&I), Second Mortgage (P&I), Real Estate taxes. The instructional text has also been updated to the following:

"A monthly housing expense refers to the sum of the principal and interest amount on the primary residence, plus other related expenses."

For HELOC loans, when an applicant indicates they have an outstanding mortgage balance (Lien Position field 420), the amount of the outstanding mortgage balance (field 427) will be required in the loan application. If Lien Position is populated, then the mortgage balance provided by the borrower is considered the 1st lien and the new HELOC balance is the 2nd lien. When the loan is submitted, the lien values are saved in Encompass.

The following UI changes have been made to the eClose task cards.

New Text Displayed when Documents Can Be Signed Within 24 Hours

When a document on an eClose task card is within 24 hours of being available to sign, new text will be displayed at the bottom of the card stating, "You can eSign these docs tomorrow".

New Countdown Text Displayed on eClose Task Card

New text will be displayed at the bottom of eClose task cards indicating the number of days left before the borrower can sign.

New Tooltips Added to eClose Documents on Task Card

New tooltip icons have been added next to each document listed on a task card. The borrower can hover over a tooltip to view when the document is available for eSigning.

The account creation process for borrower portal has been enhanced and simplified to improve user experience. Enhancements made to the account creation process are listed below.

Account Login Screen Recognizes Existing and New Users

The Account Login page uses browser cookies to determine whether the borrower has an existing borrower portal account or is a new user. When a borrower is directed to the Account Login screen via the loan application, the following logic applies:

• If the borrower has logged into their account recently, and their log in information still exists in browser cookies, the LogIn screen will open.

• If the borrower does not have an account or if the browser session is new, the Create Account screen will open. When applicable the Create Account form will be pre-populated with the user's first name, last name, email address, phone numbers, phone type, and user name if available.

New Warning Message on Login and Create Account Screens When Saving a Loan Application

A new message is displayed on the Login and Create Account screens when a borrower saves a loan application. The new message warns the borrower that the loan application will be deleted and the borrower must log in or create an account to save their progress. This message only appears on the Login and Create Account screens when the borrower is redirected to them by saving the loan application from the Assets, Employment and Income, Order Credit, or My Loan Application pages.

This enhancement does not apply to Encompass Consumer Connect SSO sites.

When a borrower clicks the Forgot Password link on the Account Login screen, the following information will be captured by Google Analytics: initiator:BP, userName, siteId, siteUrl, originDate for which the password reset request was made from the borrower portal or borrower portal widget.

Several updates have been made to improve web accessibility in Consumer Connect Admin and the loan application.