Feature Enhancements in Version 22.3 Major Release

A new option is available that gives lender administrators the ability to associate either the company licenses or the loan officer licenses to the default loan application recipient. This option is available on the Website Builder page. When Use Company Licenses is selected, the loan application can show all the Subject Property States for which the company is licensed. When Use Loan Officer Licenses is selected, the loan application will only show the Subject Property States for which the loan officer is licensed. Use Loan Officer Licenses is selected by default.

New functionality has been added to the Website Builder page to clear a custom domain name and manage SSL certificates.

Clear a Custom Domain Name

Lender administrators can clear a custom domain name by clicking the new Clear Custom Domain button on the Website Builder > Custom Domain Settings tool.

When a custom domain name is cleared, the site is returned to its original "mymortgage-app.net" domain name. If an SSL Certificate was approved for the custom domain, it will also be cleared. However, it will remain available in SSL Certificate configuration settings in case the domain name is reinstated later. Any SSL certificates that are Pending or Expired will be deleted when the custom domain is cleared.

Resend Certificate Emails

When setting up a custom domain in Consumer Connect, part of the process is to verify domain ownership. To do this, Consumer Connect sends an email to a set of administrative email addresses (i.e. administrator@custom_domain_name, webmaster@custom_domain_name, etc) within the custom domain requesting approval of the SSL certificate. The certificate request will expire after 72 hours. Once the SSL certificate is approved, the custom domain setup process can move forward.

If the certificate request expires or was not received, the lender administrator can have it resent to them.

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

2. Click the Edit icon () next to your custom domain name.

   

3. When the Custom Domain Settings tool opens, expand the certificate settings by clicking SSL Certificate.

4. Click Resend Certificate Email.

   

   The SSL certificate requests are resent to the administrative email addresses.

NGCC-63867, NGCC-67337

The layout of the Loan Application Workflow editor has been updated and reorganized to improve usability. The loan application sections have been divided into two new categories: Admin Configurations and Loan Application Sections. Sections that contain administrative settings, such as General, Disclosure Settings, Lender Defined Fields, Conditional Fields, Miscellaneous, and Services Settings are listed under Administrative Configurations. All other loan application-specific sections are listed under Loan Application Sections.

Enhanced flexibility for lender administrators to re-order the sections within the loan application to create a unique workflow.

Each section of the loan application is listed under Loan Application Sections. The order in which they are listed here represents the order in which they are presented to the borrower in the loan application. A lender administrator can change the order by clicking the Drag and Drop icon () next to a section title and dragging it to the desired location. Upon release, the section will move to the new position in the loan application.

When reorganizing sections of the loan application, be aware that Consumer Connect does not validate the section order for the proper sequence of information displayed to the borrower. It is up to the lender to ensure that data integrity is maintained when moving sections around. Some examples are:

• All sections relating to services should be placed below Loan Details and Personal Information.

• Rates must be placed below Loan Details, Personal Information, Assets, Expenses, Employment and Income, Order Credit and Liabilities sections. Otherwise, the loan program results might change.

A new option has been made available for adding custom help text to individual fields in the loan application. When help text is added to a field, an Info icon appears next to it in the loan application. When a borrower hovers over the icon, the help text is displayed. The following example shows custom help text for the Loan Purpose field.

Adding Help Text

A new Help Text column has been added to the field settings in the Loan Application Workflows editor. The column contains icons the lender administrator can use to add (), edit ( ), and delete () help text.

1. In the Encompass Consumer Connect Admin portal, click Loan App Workflows.

2. Click the Edit icon () next to the workflow.

3. When the editor opens, locate the desired field.

4. In the Help Text column, click the Add icon ().

   The Help Text Manager screen opens.

5. Enter the help text into the text field, then click Save.

   

6. Click Save to push your changes to the loan application on your site.

A new feature has been added to give lender administrators the ability to generate a loan application URL that passes custom fields and values to Encompass when the loan is submitted. With this feature, a lender administrator generates the URL using options in the new Lender Defined Fields section of the Loan App Workflow editor. The URL can be added to a company website where borrowers can start a new loan application.

The Lender Defined Fields section includes an Add Fields button that lender administrators click to specify the desired custom fields and values to populate the loan file. Once the fields and values are specified, the lender administrator clicks the Generate URL button and copies the URL.

Generating a URL with User-Defined Custom-Defined Fields

To generate a URL with user-defined custom-defined fields, the custom fields must exist in Encompass and must have a string data type. To learn how to create user-defined custom fields in Encompass, see Lender Custom Fields in the Encompass online help. For each URL, a lender administrator specifies a loan application recipient, a parameter name for the custom field that will appear in the URL, and a value for the parameter.

The format of the generated URL is as follows:

https://{site domain}/loan-app/?siteId={site ID}&workFlowId={workflow ID}&lar={loan app recipient}&customParameter={parameter name}%3A%3A%3A{parameter value}

In the following example, the loan application recipient is "jreese", the parameter for the custom field is "community", and the parameter value is "Eves-Pleasanton".

https://rosewoodlending.mymortgage-app.net/loan-app/?siteId=7081156063&workFlowId=1019006&lar=jreese&customParameter=community%3A%3A%3AEaves-Pleasanton

Why does the URL contain strange characters?
Generated URLs may contain percent signs (%) followed by two alphanumeric characters (for example, %3A). These URLs are valid. This happens because the URL is encoded to convert non-ASCII characters into a format that can be understood across all web browsers and servers.

1. In the Encompass Consumer Connect Admin portal, click Loan App Workflows.

2. Click the Edit icon () next to the desired workflow.

3. When the editor opens, click Lender Defined Fields under Admin Configurations.

   

4. Click Add Fields, then select the desired custom field from the drop-down list. To locate the field, enter the field name or field ID in the search bar.

   The list only displays the user-defined custom fields and field IDs that were created in Encompass. If the custom field is not listed, make sure it exists in Encompass.

   

5. Click Add.

6. Add additional fields as needed. Up to 10 fields can be passed in the URL.

7. For each field added, specify a loan application parameter. This is the name that will appear in the URL. Each name must be unique.

   

8. When finished adding fields and loan application parameters, click Save.

9. Click Generate URL.

   The Generate Custom URL configuration screen appears.

10. Specify the loan application recipient to assign to this loan application, then enter the desired value for the field.

    

11. Click Copy URL.

The fields that capture REO details in the loan application have been made available in the Manage Your Properties section of the Loan Application Workflow editor. This enhancement gives lender administrators the ability to Show/Hide, Require, and edit these fields.

The fields that have been added to the Loan Application Workflow editor are listed in the table below.

NGCC-68109, NGCC-68285

A new option has been made available for embedded borrower widgets and SSO sites that allows lender administrators to add a link to their privacy policy. When a privacy policy URL is specified in the Privacy Policy area of the Loan App Workflows > Edit Workflow > Miscellaneous section, it will be made available to borrowers in the loan application. When a borrower clicks the link, the lender's privacy policy will open in a separate browser window.

When the Privacy Policy is set to Show and a link is provided in the loan application workflow, the link to the Privacy Policy displays on the Borrower Information section of the loan application.

NGCC-66192

A new option has been added to the Product and Pricing Settings for both EPPS and Optimal Blue that controls whether discount and credit points will be displayed to borrowers in Rate search results. When Yes is selected for this option, discount and credit points are hidden in the rates results displayed by the Rates Calculator Widget and Loan Application Workflow.

Improvements have been made to the message text that is displayed on Home Owners Insurance task cards when no quotes are found or when a quote was not submitted successfully. Both messages provide more information and a phone number the borrower can call to speak with a licensed insurance representative.

When saving a new loan application, the borrower is prompted to log in to the borrower portal or create a borrower portal account. After logging in with existing credentials or new account credentials, the borrower will be directed back to the loan application instead of the borrower portal.

Auto-complete functionality has been added to the Current Residence and Previous Residence Address fields. When a borrower types into an address field, the address will auto-complete and/or suggest possible addresses. Previously, the Subject Property Address fields only supported this functionality.

When a borrower selects Pending Sale as the Property Status for an REO asset, the new Pending Sale Date (field ID FM0059) field will be displayed.

When HELOC is selected as the Loan Purpose and the Product and Pricing service is enabled for the workflow, the Rates confirmation page will now display the questions Do you have a mortgage balance? and What is your mortgage balance? along with the other HELOC-related fields. If values were provided for these fields on the Loan Purpose page, they will be populated in the Rates confirmation page.

When the loan application is submitted, the Lien Position field (field ID 420) will be mapped as Subordinate with a Lien Position of "2" in Encompass.

In support of our company naming update, the Ellie Mae logo displayed in the footer of each page of Consumer Connect sites, borrower portal, loan application, and Consumer Connect Admin has changed to "Powered by ICE".

If borrowers are not receiving the automated emails from Consumer Connect, it is possible the emails are being filtered out and moved to the spam folder. To help prevent this issue, configure a Sender Email Address that uses your company domain. For instructions, see Add a Sender Email Address.