Known Issues for Encompass Consumer Connect April 2017

User accounts that are disabled in Encompass are still showing up on the Loan App Recipient list in the administration portal. Do not choose a loan officer with a disabled Encompass account as a Loan App Recipient. Any loans submitted to a disabled Encompass account, will be sent to the Default Loan App Recipient.

CLA-2032

In this Encompass Consumer Connect release, AUS runs successfully only with the following loan scenarios:

Freddie Mac Loan Product Advisor (LPA)

• Home Purchase with a Conventional Fixed Rate
• Home Purchase with a Conventional ARM Rate

Fannie Mae Desktop Underwriter (DU)

• Primary Attached Home Purchase with a Fixed Rate
• Home Refinance with a Fixed Rate
• Primary Home Purchase with a Fixed Rate
• FHA 02 203(b) Refinance Home Loan

For all other loan scenarios, the loan officer can run the AUS from Encompass after the loan is submitted.

CEB-3311, CEB-3256, CEB-3269

LPA underwriting services does not trigger automatically for refinance home loans submitted from the Encompass Consumer Connect website. This issue occurs because the refinance loan application does not include all the fields required by the LPA underwriting service. The loan fields that are not included are Acquired year, Original cost amount, and County.

To work around this issue, the loan officer can run the AUS from Encompass after the loan is submitted.

CDL-5061, CDL-5055

When a loan application contains multiple liabilities with multiple real estate owned (REO) properties, Encompass Consumer Connect does not link them together during loan submission. As a result, the loan application cannot be submitted to the automatic underwriting service.

To work around this issue, the loan officer can run the AUS from Encompass after the loan is submitted and the liabilities are linked.

CEB-3100, CEB-3095

Some of the qualifying information provided in the loan application, such as mapping assets, liabilities, and other fields are not being sent to Encompass Product & Pricing Service (EPPS) by Encompass Consumer Connect. If you enable EPPS, please be aware that it’s possible borrowers may see loan products they might not ultimately be eligible for. We encourage you to make sure borrowers are given the appropriate disclaimers about loan product eligibility. Encompass Consumer Connect provides you with the ability to configure disclaimer language to display to your potential borrowers. Please review any disclaimer language you use with your compliance or legal resources in order to determine the specific information you want to display in order to meet your business and compliance needs. We’ve included sample disclaimer language below:

“Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. The product and rate quotes provided on this page are for information and comparative purposes only. Rates may change at any time and without prior notice unless the rate is locked. Your loan product, rate, fees, and payment may differ from quoted rates based on but not limited to, final approval, rate lock, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value ratio. Certain restrictions may apply.”

To work around this issue, we encourage you to use EPPS in Encompass, rather than Encompass Consumer Connect.

CEB-3469, CDL-5339

When creating a site, an administrator can add a company logo to all pages on the site. However, the logo cannot be linked to a destination (for example, the Home page) on loan application and borrower portal pages at this time.

CCM-2721, CBP-2145, CDL-5342

Borrowers are locked out of their Encompass Consumer Connect account after five failed login attempts. There is currently no automatic unlocking after a period of time.

To work around this issue, an Encompass Consumer Connect administrator can generate a temporary password from the Borrower Loan Portal page in the administration portal.

OAPI-4766

During the application process, if a borrower logs in after creating an account, the browser opens to a blank page instead of returning to where the borrower left off in the loan application. This issue only occurs on Internet Explorer 11 browsers with Windows 8 operating systems.

CDL-5305

When VA is selected in the Loan App Settings page as a type of loan to show in the application, the VA-specific fields are not shown. As a result, VA loan programs are not displayed to the borrower.

CEB-3379

When a borrower submits a loan application, the following fields are currently not mapped to Encompass:

Encompass ID	Field Name
2024	Source of File
2626	Channel
745	Application Date
479	Information Provided By
1612	Loan Originator's Name
3238	NMLS Loan Originator ID
1823	Loan Originator's Phone
3968	Loan Originator's Email
2306	LO State License Number
315	Company Name
3237	Company NMLS ID
319	Company Address
313	Company City
321	Company State
323	Company Zip
3629	Company State License Number
324	Company Phone
326	Company Fax

CDL-4568