Appraisal Services
View the "Ordering Appraisals From Encompass" Quick Reference Guide
Use the Appraisal services to send appraisal orders directly to appraisers from Encompass.
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Your appraiser is notified via email that you have sent them an order.
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Appraisers log in to the ICE Mortgage Technology Appraisal Center to view their orders and upload completed reports.
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Uploaded reports are automatically imported into the Encompass loan file.
Access the Appraisal Services
There are two ways to access the Appraisal services from a loan file.
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Click the Services tab, and then click Order Appraisal.
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Open the Borrower Summary form and click the Order Appraisal button.
Identify Your Appraisal Ordering Configuration
When you order an appraisal, the available ordering options will depend on how your administrator has configured the ordering process. Typically, administrators configure the process to conform to your company policy. Your administrator can configure Encompass so that you will have different appraisal ordering processes for different types of loans. For example, you may be able to select your own appraiser for a conventional loan, but a request for an appraisal for an FHA loan might be sent to an internal order desk, which selects the appraiser and submits the order to them.
Review the descriptions below to identify the ordering process that applies to you. Detailed ordering instructions for each configuration are provided in the Appraisal Work Flow section.
If you are not authorized to order appraisals, a "not authorized" message displays when you try to access the appraisal service.
You can select a provider from a list of appraisers and AMCs that have been set up by your administrator. Or you can add your own providers to the My Appraisers tab. When you access the Appraisal services with this configuration, the Order Appraisal window displays. The Add Appraiser and Add From Business Contacts icons are visible on the upper-right of the My Appraisers tab, and you will be able to select providers from the My Appraisers tab and the All Appraisers tab.
Select Approved Appraisers Only
You can select a provider from a list of approved appraisers and AMCs set up by the administrator, but you cannot add your own providers to the list. When you access the Appraisal services with this configuration, the Order Appraisal window displays. The Add Appraiser and Add From Business Contacts icons are not visible. You can select providers from the My Appraisers tab, but the All Appraisers tab is not visible.
Please note, by default, only Encompass administrators can manage appraisers here. Administrators can grant users with permission to manage appraisers here by adding them to the "Permissions for Manage Appraisers Tab" list in the Appraisal Order Management setting. If you are authorized to edit the list of approved appraisers, a Manage Appraisers link displays on the upper-right. Click the link to access the approved appraisers list. For detailed instructions, refer to the Appraisal Order Management topic.
You do not see a list of providers and have no input into the appraiser selection. The order is sent to an appraiser who is selected randomly or in a rotating order from a list created by your administrator. When you access the Appraisal services with this configuration, the Order Appraisal window displays with a message in the Appraiser Information section explaining that the order will go to an appraiser who has been set up by your system administrator.
You do not see a list of providers and have no input into the appraiser selection. When you access the Appraisal services with this configuration, the Order Appraisal window displays with a message in the Appraiser Information section explaining that the order will be sent to an authorized internal order desk user. When you submit the order, Encompass sends an email notification to another user who has been authorized as an internal order desk user. They are responsible for submitting the order to an approved appraiser or AMC.
Appraisal Work Flow
Depending on the configuration selected by your administrator, use one of the procedures below to submit an appraisal:
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On the Order Appraisal window, select an appraiser from the My Appraisers tab, and then click Next.
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Or, first click the Add Appraiser icon to add the Name, Email Address, and Phone Number of a new appraiser.
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Or, first click the Add From Business Contacts icon to open the Business Contacts window and select appraisers to add to your My Appraisers list.
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Or, first click the All Appraisers tab, enter or select search criteria by ZIP Code, location or lender and select an appraiser or AMC from the list to add to your My Appraisers list.
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On the Order Appraisal window, complete the order details.
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Enter information for the Contact for Entry who will provide the appraiser with access to the property.
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Click the Address Book icon to open the Business Contacts window and select a real estate agent.
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Use the Special Instructions text box to enter any details about the order, special requirements, or expectations regarding the order. The appraiser can view this information before accepting or rejecting the order.
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In the Order Information section, enter the date when the appraisal is due, and then select the Appraisal Type.
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Use the Paid By dropdown list to select who will pay the appraiser for the appraisal order:
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Borrower - When you select Borrower, the Make Payment button is enabled. Click the Make Payment button, and then enter the borrower's credit card and payment information. Click Charge to charge the appraisal order fee to the borrower.
The Borrower option is available only to users who have been authorized by their system administrators to select it. Authorization is provided using the Appraisal Service setting in Encompass Settings.
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COD - Payment for the order will be provided once the order is delivered.
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Invoice - Payment for the order will be provided according to the invoice delivered from the appraiser.
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Enter a Message to include in the order email that is sent to the appraiser.
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Click the Attach icon to attach up to two documents from your computer or the Encompass eFolder.
- Click Submit Order.
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The appraiser is notified via email that an order has been sent.
Select Approved Appraisers Only
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When the Select Appraiser window opens, select an appraiser from the My Appraisers tab, and then click Next.
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On the Order Appraisal window, complete the order details.
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Enter information for the Contact for Entry who will provide the appraiser with access to the property.
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Click the Address Bookicon to open the Business Contacts window and select a real estate agent.
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Use the Special Instructions text box to enter any details about the order, special requirements, or expectations regarding the order. The appraiser can view this information before accepting or rejecting the order.
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In the Order Information section, enter the date when the appraisal is due, and then select the Appraisal Type.
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Use the Paid By dropdown list to select who will pay the appraiser for the appraisal order:
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Borrower - When you select Borrower, the Make Payment button is enabled. Click the Make Payment button, and then enter the borrower's credit card and payment information. Click Charge to charge the appraisal order fee to the borrower.
The Borrower option is available only to users who have been authorized by their system administrators to select it. Authorization is provided using the Appraisal Service setting in Encompass Settings.
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COD - Payment for the order will be provided once the order is delivered.
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Invoice - Payment for the order will be provided according to the invoice delivered from the appraiser.
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Enter a Message to include in the order email that is sent to the appraiser.
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Click the Attach icon to attach up to two documents from your computer or the Encompass eFolder.
- Click Submit Order.
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The appraiser is notified via email that an order has been sent.
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When the Order Appraisal window opens, complete the order details.
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Enter information for the Contact for Entry who will provide the appraiser with access to the property.
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Click the Address Bookicon to open the Business Contacts window and select a real estate agent.
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Use the Special Instructions text box to enter any details about the order, special requirements, or expectations regarding the order. The appraiser can view this information before accepting or rejecting the order.
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In the Order Information section, enter the date when the appraisal is due, and then select the Appraisal Type.
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Use the Paid By dropdown list to select who will pay the appraiser for the appraisal order:
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Borrower - When you select Borrower, the Make Payment button is enabled. Click the Make Payment button, and then enter the borrower's credit card and payment information. Click Charge to charge the appraisal order fee to the borrower.
The Borrower option is available only to users who have been authorized by their system administrators to select it. Authorization is provided using the Appraisal Service setting in Encompass Settings.
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COD - Payment for the order will be provided once the order is delivered.
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Invoice - Payment for the order will be provided according to the invoice delivered from the appraiser.
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Enter a Message to include in the order email that is sent to the appraiser.
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Click the Attach icon to attach up to two documents from your computer or the Encompass eFolder.
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Click SubmitOrder.
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The appraiser is notified via email. A message confirms that the order was submitted.
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If your administrator has authorized you to submit orders received to an authorized internal order desk user, you will always use the automated ordering process.
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When the Order Appraisal window opens, enter information for the Contact for Entry, who will provide the appraiser with access to the property.
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In the Order Information section, enter the date when the appraisal is due, , followed by the appraisal type, and method of payment for the appraisal order.
Your administrator controls your access to the Appraisal Type and Paid By fields.
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Click the Address Book icon to open the Business Contacts window and select a real estate agent.
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Click Submit Order.
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The internal order desk user is notified via email that an order has been submitted.
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Internal Order Desk User - Ordering an Appraisal for Another User
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When a user submits an appraisal order, you (the internal order desk user) are notified via email to order an appraisal for the loan file. Open the email to view the basic loan information so you can locate the loan in your Pipeline.
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Open the loan in your Pipeline.
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Click the Services tab, and then click Order Appraisal.
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The Order Appraisal window displays.
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Select an appraiser from the My Appraisers tab, and then click Next.
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Or, first click the Add Appraiser icon to add the Name, Email Address, and Phone Number of a new appraiser.
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Or, first click the Add From Business Contacts icon to open the Business Contacts window and select appraisers to add to your My Appraisers list.
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Or, first click the All Appraisers tab, enter or select search criteria by ZIP Code, location or lender and select an appraiser or AMC from the list to add to your My Appraisers list.
If no appraisers or AMCs are available to select, contact the administrator who can then add an appraiser or AMC. If you are authorized to edit the list of approved appraisers, a Manage Appraisers link displays on the upper-right. Click the link to access the approved appraisers list and add an appraiser or AMC yourself. Please note, by default, only Encompass administrators can manage appraisers here. Administrators can grant users with permission to manage appraisers here by adding them to the "Permissions for Manage Appraisers Tab" list in the Appraisal Order Management setting. For detailed instructions, refer to the Appraisal Order Management topic.
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The Order Appraisal window is populated with all of the information the user provided when they requested the appraisal and the order notification was sent to the internal order desk user. If necessary, enter additional information as follows:
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Enter information for the Contact for Entry who will provide the appraiser with access to the property.
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Click the Address Book icon to open the Business Contacts window and select a real estate agent.
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Use the Special Instructions text box to enter any details about the order, special requirements, or expectations regarding the order. The appraiser can view this information before accepting or rejecting the order.
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In the Order Information section, enter the date when the appraisal is due, and then select the Appraisal Type.
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Use the Paid By dropdown list to select who will pay the appraiser for the appraisal order:
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Borrower - When you select Borrower, the Make Payment button is enabled. Click the Make Payment button, and then enter the borrower's credit card and payment information. Click Charge to charge the appraisal order fee to the borrower.
The Borrower option is available only to users who have been authorized by their system administrators to select it. Authorization is provided using the Appraisal Service setting in Encompass Settings.
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COD - Payment for the order will be provided once the order is delivered.
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Invoice - Payment for the order will be provided according to the invoice delivered from the appraiser.
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Enter a Message to include in the order email that is sent to the appraiser.
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Click the Attach icon to attach up to two documents from your computer or the Encompass eFolder.
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Click Submit Order.
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The appraiser is notified via email. A message confirms that the order was submitted.
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The internal order desk user receives an email when the completed appraisal is available to import into the loan file in Encompass. The internal order desk user is responsible for notifying the user who requested the appraisal that it is available to import into their loan file.
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When is the appraiser's information displayed?
Whether or not the appraiser's name, email, and phone number are displayed in the Appraiser Information section of the Order Appraisal window based on the appraisal order configuration set up by your system administrator. The appraiser information is displayed if any of the following conditions are true:
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The current user ID is admin
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The order configuration set up by your administrator is not Automated Ordering - Random, Automated Ordering - Rotating, or Internal Order Desk
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The current user is an authorized internal order desk user who is fulfilling the order
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The order status is not Requested, Re-requested, Expected, or Accepted
After receiving the notification email, the appraiser will:
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Click the link in the email.
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Create a login account if necessary, and then log in to the Appraisal Center.
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View the order, and then accept or reject it.
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You will receive an email notifying you that the order has been accepted or rejected.
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Upload and deliver the completed report back to your loan file.
When the completed report is uploaded, you will be notified via email that the appraisal is ready.
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Open the related loan file.
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On the Services tab, click the document icon
to
the right of the Order Appraisal
button to open the Appraisal Order Status window, which has three sections:If the report has not been completed and returned by the appraiser yet, this document icon
displays instead. -
Orders – View a list of appraisal orders for the loan.
When is the appraiser's name displayed?
Whether or not the appraiser's name is displayed in the Appraiser column in the Orders section is based on the appraisal order configuration set up by your system administrator. The appraiser's name is displayed if any of the following conditions are true:
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The current user ID is admin
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The order configuration set up by your administrator is not Automated Ordering - Random, Automated Ordering - Rotating, or Internal Order Desk
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The current user is an authorized internal order desk user who is fulfilling the order
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The order status is not Requested, Re-requested, Expected, or Accepted.
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Order History – When you select an order in the Orders section, the Order History section displays a list of activities related to the order, including the date and time when the activity occurred, the persons who initiated and received the action, the type of activity, comments related activity, and file attachments associated with the activity.
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Send Comments to Appraiser – If your administrator has given you permission, use this section to send comments and file attachments to the appraiser.
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To view the details of an order, select an order from the Orders section, and then click the Order Details link in the Attachments column in the Order History section.
When is the appraiser's information displayed?
Whether or not the appraiser's name, email, and phone number are displayed in the Appraiser Information section of the Order Details window is based on the appraisal order configuration set up by your system administrator. The appraiser information is displayed if any of the following conditions are true:
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The current user ID is admin
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The order configuration set up by your administrator is not Automated Ordering - Random, Automated Ordering - Rotating, or Internal Order Desk
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The current user is an authorized internal order desk user who is fulfilling the order
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The order status is not Requested, Re-requested, Expected, or Accepted
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When an appraiser sends a file to you, click the Import link in the Orders section to open the Order Update window to view the appraisal data and documents that are available to import.
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A Re-Import link is provided for documents or data that you have already imported. You can click a Re-Import link to import the documents or data again. For example, you may want to re-import a document that has been deleted from the loan file or re-import data that was imported from the appraisal but later changed in your loan file. The Re-Import link displays for every appraisal document that can be re-imported. If there is only appraisal data to import (no documents) and the value in the loan file is the same as the value sent from the appraiser, the Re-Import link is not displayed (since there is no need for the user to import matching data into the loan). In this data-only scenario, if the data in the loan file is ever changed to a value that differs from the values sent from the appraiser, then the Re-Import link is displayed for the data.
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Select the checkboxes for data and documents, and then click the Import button to retrieve and import the data and documents.
Imported documents are accessible in the eFolder in the Unassigned Files section of the File Manager, where you can assign them to eFolder documents.
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If a PDF document has been imported, click the link for the document in the Attachments column in the Order History section to open the PDF in the Document Viewer window.
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If a MISMO UAD document (XML file) has been imported, click the Appraisal Quick Check - Submit icon
(in the Attachments column, to the right of the blue MISMO link) to run the appraisal report through a “Quick Check” powered by Veros Pathway Service that searches for UCDP (Uniform Collateral Data Portal) Hard Stops and UAD compliance issues. -
In the Appraisal Quick Check window, select the Form Type.
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Select UAD from the Version dropdown list.
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Select the Investors (Fannie Mae and/or Freddie Mac) to which the appraisal will be submitted.
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Click Validate Report.
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The Quick Check takes a few moments to complete.
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The results display in the Appraisal Quick Check window.
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If the Quick Check did not find any hard stops or compliance errors in your appraisal report, a message confirming that no errors were found displays. Click Close to close the message and be returned to the Appraisal Order Status window.
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If the Quick Check did find hard stops or compliance errors in your appraisal report, a table listing each hard stop and error is displayed. Here you can identify any potential issues in the appraisal that would prevent you from successfully submitting the appraisal to Fannie Mae or Freddie Mac (through the UCDP portal). Click Close to close the table and be returned to the Appraisal Order Status window
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You can return to the Appraisal Order Status window at any time and click the Appraisal Quick Check - View icon
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You can run up to three Quick Checks for one property, free of charge.
After you import the MISMO UAD document (XML file), it is stored with the associated loan file inside the Encompass Loans folder located on the computer's local hard drive where Encompass is installed. (For example, C:\EncompassDataEncompass8.1Banker\Loans\MyPipeline\Simmons\fannie_mae-do.xml). You can retrieve the XML file here to send it directly to your investor via email as needed.
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If your administrator has given you permission, you can send a comment or file attachment to the appraiser. Type a comment in the Comments field, follow one of the procedures below to attach a file, and then click Send Comments.
Attach a file from your computer
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Click the Attach icon.
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Select the option to browse your computer.
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Click Continue.
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Browse to select the file, and then click Open.
Attach a file from your Encompass eFolder
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Click the Attach icon.
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Select the option to browse from the Encompass eFolder.
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Click Continue.
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Select a document from the list (only documents with file attachments will display), and then click Continue.
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The file or files attached to the document will be sent to the appraiser. When you select a document with multiple file attachments, all the attached files will be combined into a single PDF file and sent to the appraiser.
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About the Appraiser Directory
When you order an appraisal, you can click the All Appraisers tab to view the appraiser directory. By default, the directory includes appraisers who do business in the area where the subject property is located. You can also search for appraisers by ZIP code, appraisal type, and approved lenders. The More Info link opens a detailed profile of the appraiser's services and pricing.