Government Monitoring and Declarations Field Reference Guide

The following tables list the Encompass Consumer Connect loan application fields for Government Monitoring and Declarations. Any data provided by the borrower and co-borrower for these fields will be shared with the underwriting service that is enabled in the loan application workflow.

ClosedBorrower Declarations

Field Name Encompass Field ID
About this Property and Your Money for this Loan
A. Will you occupy the property as your primary residence? 418
B. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property? URLA.X84
C. Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application? URLA.X86
D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? URLA.X90
D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? URLA.X92
E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)? URLA.X94
About Your Finances
F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? URLA.X96
G. Are there any outstanding judgments against you? 169
H. Are you currently delinquent or in default on a federal debt? URLA.X98
I. Are you a party to a lawsuit in which you potentially have any personal financial liability? URLA.X100
J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years? URLA.X102
K. Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due? URLA.X104
L. Have you had property foreclosed upon in the last 7 years? URLA.X106
M. Have you declared bankruptcy within the past 7 years? 265

ClosedBorrower Demographic Information

Field Name Encompass Field ID
Ethnicity
Hispanic or Latino 4210
Mexican 4144
Puerto Rican 4145
Cuban 4146
Other Hispanic or Latino - Enter Origin: 4147
Not Hispanic or Latino 4211
I do not wish to provide this information 4205
Race
American Indian or Alaska Native Enter name of enrolled or principal tribe: 1524
Asian 1525
Asian Indian 4148
Chinese 4149
Filipino 4150
Japanese 4151
Korean 4152
Vietnamese 4153
Other Asian - Enter Race: 4154
Black or African American 1526
Native Hawaiian or Other Pacific Islander 1527
Native Hawaiian 4155
Guamanian or Chamorro 4156
Samoan 4157
Other Pacific Islander - Enter Race: 4158
White 1528
I do not wish to provide this information 4252
Sex
Female 4193
Male 4194
I do not wish to provide this information 4195

ClosedCo-Borrower Declarations

Field Name Encompass Field ID
About this Property and Your Money for this Loan
A. Will you occupy the property as your primary residence? 1343
B. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property? URLA.X85
C. Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application? URLA.X87
D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? URLA.X91
D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? URLA.X93
E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)? URLA.X95
About Your Finances
F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? URLA.X97
G. Are there any outstanding judgments against you? 175
H. Are you currently delinquent or in default on a federal debt? URLA.X99
I. Are you a party to a lawsuit in which you potentially have any personal financial liability? URLA.X101
J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years? URLA.X103
K. Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due? URLA.X105
L. Have you had property foreclosed upon in the last 7 years? URLA.X107
M. Have you declared bankruptcy within the past 7 years? 266

ClosedCo-Borrower Demographic Information

Field Name Encompass Field ID
Ethnicity
Hispanic or Latino 4213
Mexican 4159
Puerto Rican 4160
Cuban 4161
Other Hispanic or Latino - Enter Origin: 4162
Not Hispanic or Latino 4214
I do not wish to provide this information 4206
Race
American Indian or Alaska Native Enter name of enrolled or principal tribe: 1532
Asian 1533
Asian Indian 4163
Chinese 4164
Filipino 4165
Japanese 4166
Korean 4167
Vietnamese 4168
Other Asian - Enter Race: 4169
Black or African American 1534
Native Hawaiian or Other Pacific Islander 1527
Native Hawaiian 1535
Guamanian or Chamorro 4171
Samoan 4172
Other Pacific Islander - Enter Race: 4173
White 1536
I do not wish to provide this information 4253
Sex
Female 4197
Male 4198
I do not wish to provide this information 4195