Encompass 23.1 Persona-Based Release Notes

(Updated on 3/28/2023)

From the Encompass Home page, Encompass WebCenter and Loan Center users with persona access can now click the Manage your Consumer Connect Portal link to access their Encompass Consumer Connect Admin portal (i.e., the Consumer Connect Admin page). There WebCenter and Loan Center administrators can set up and manage a Consumer Connect Basic website, and users can look up borrowers and review website statistics.

If you are still using Encompass WebCenter or Encompass Loan Center, we encourage you to transition to Consumer Connect to reap the benefits of a more modern, intuitive workflow for your borrowers and advanced configuration options. For instructions to create a new Consumer Connect Basic website, please refer to the Transitioning to Encompass Consumer Connect guide. It includes information about Basic websites and provides instructions for setting up and customizing a new borrower portal. This guide also describes the borrower experience of logging into the portal and accessing packages, and how lenders can use the Borrower Lookup tool to find borrowers and loan applications.

This Manage your Consumer Connect Portal link is provided in the Consumer Connect Administration module in the right column on the Home page. This module displays for all Encompass users, but only administrators, loan officers, and users who have WebAdmin and WebContent persona access can open the Consumer Connect administration portal by clicking the link. For all other users, clicking the link displays a “Not Authorized” message.

A new Section F – Disposition of Application and Underwriter Certification has been added to the 26-6393 VA Loan Analysis input form.

Section F includes the following new fields:

• Examiner/Underwriter Recommendation check boxes (field ID VALA.X31) - Select the Approved or Disapproved check box to indicate the underwriter recommendation for the application. Only one check box can be selected at a time. By default, both check boxes are blank.

• Examiner / underwriter recommendation Date (field ID VALA.X32) - To enter a date, click the Calendar icon or type a date in the field.

• Final Action check boxes (field ID VALA.X33) - Select the Approved or Disapproved check box to indicate the final action on the application. Only one check box can be selected at a time. By default, both check boxes are blank.

• Final action Date (field ID VALA.X34) - To enter a date, click the Calendar icon or type a date in the field.

Section F on the Output Form

The output form is populated with data from the input form as described below:

• The Examiner/Underwriter Recommendation check boxes on the input form are used to populate the two check boxes at the top of Section F on the output form.

• The examiner / underwriter recommendation Date on the input form is used to populate box 49 on the output form.

• The Final Action check boxes on the input form are used to populate the two check boxes in box 51 on the output form.

• The final action recommendation Date on the input form is used to populated box 52 on the output form.

When a user selects the option on the Request for Transcript of Tax input form to provide a wage and income transcript (field ID IRS0150), the Transcript Options column in the table at the top of the form now displays a W2 entry to indicate that the wage and income transcript option has been selected.

When selecting the Oct 2022 version of the 4506-C form, the wage and income transcript (field ID IRS0150) check box displays in section 7 on the input form.

When selecting the Sep 2022 4506-C version of the form or when the Use IRS 4506-C check box is cleared, the wage and income transcript (field ID IRS0150) check box displays in section 8.

(Updated on 2/17/2023)

New fields have been added to the Statement of Denial input form and changes have been made to the user interface on the form. The changes are shown in red rectangles in the image below. Descriptions of the changes are listed below the image.

• The words Concerning Credit have been added to the end of the header for section 1.

• The Garnishment or Attachment check box has been replaced by a Garnishment, Attachment, Foreclosure, Repossession or Collection Action or Judgment check box (field ID DENIAL.X34) and the following three new check boxes have been added below this Garnishment, Attachment, Foreclosure, Repossession or Collection Action or Judgment check box:

  • Garnishment or Attachment check box (field ID DENIAL.X101)

  • Foreclosure or Repossession check box (field ID DENIAL.X102)

  • Collection Action or Judgment check box (field ID DENIAL.X103)

For loans existing prior to upgrading to Encompass 23.1, the Garnishment, Attachment, Foreclosure, Repossession or Collection Action or Judgment check box will remain selected if a selection was made in the Garnishment or Attachment check box list in previous versions of Encompass. The three remaining check boxes are cleared by default. Users can manually select the relevant check boxes if needed. Administrators can also create business rules to populate these check boxes.

• The Delinquent Credit Obligations check box has been renamed Delinquent Past or Present Credit Obligations With Others.

• A new Excessive Obligations in Relation to Income check box (field ID DENIAL.X104) has been added to section C. INCOME.

To make the VA 26-1805 Reasonable Value input form consistent with the output form, the layout of the input form has been revised and organized into six sections. Two existing fields have been updated, and 21 new fields have been added.

The images below show the new layout used for each of the new sections on the form. New or updated fields are shown in a red rectangle and are also listed below each image.

Section 1

New fields in section 1:

• 1C. LATITUDE/LONGITUDE GRID (field ID 4860) - Subject property latitude and longitude.

• 1K. PROPERTY LEASEHOLD (field ID 4861) - Yes and No check boxes.

• 1L. VERIFIED BY USPS (field ID 4862) - Yes and No check boxes

Updates to existing fields in section 1:

• 1J. Building Type (field ID 602) - The drop-down list has been replaced with the following check boxes: Single Family Residence, Condo, Manufactured Home, Multi-Family Residence.

Section 2

New fields in section 2:

• 2A. APPRAISAL TYPE (field ID 4863) - Purchase, Refinance, Liquidation, and Other check boxes

• 2B. LOAN USE (If Applicable) (field ID 4864) - Renovation, Construction, Energy Efficient Mortgage (EEM), and Other check boxes.

Updates to existing fields in section 2:

• 2C. Building Status (field ID 601) - The Building Status drop-down list has been replaced with the following check boxes: Proposed, New/Under Construction (previous “Under Construction”), Existing, and Other.

Section 3

New fields in section 3:

• 3A. SPECIAL INSTRUCTIONS - Check boxes for Veteran/Seller Works Nights (field ID 4865), Pets on Premises (field ID 4866), House Alarm (field ID 4867), Gated Community (field ID 4868), and Special Energy Efficiency (field ID 4869). Multiple check boxes can be selected at the same time.

• 3B. OTHER SPECIAL INSTRUCTIONS OR INVOICE INFORMATION (PLEASE DESCRIBE) (field ID 4870)

• 3C. NUMBER OF PAGES IN UPLOADED SALES CONTRACT (field ID 4871)

Section 4

New fields in section 4:

• 4S. TIDEWATER POC NAME (field ID 4872)

• 4T. TIDEWATER POC PHONE NUMBER (INCLUDE AREA CODE) (field ID 4873)

• 4U. TIDEWATER POC E-MAIL ADDRESS (field ID 4874)

Section 5

New fields in section 5:

• 5G. BUSINESS/LENDER STREET ADDRESS LINE TWO (field ID 4875).

• 5L. SPONSOR TYPE (field ID 4876) - Lender and Servicer check boxes.

• 5N. CAN ASSISTED APPRAISAL PROCESSING PROGRAM (AAPP) BE UTILIZED ON THIS APPRAISAL ASSIGNMENT? (field ID 4877) - Yes and No check boxes.

Section 6

New fields in section 6:

• 6D. VETERAN ADDRESS LINE TWO (field ID 4859)

Certification for Submission to VA Section

Migration

For loans created prior to upgrading to Encompass 23.1, data is not automatically populated to new fields. Users need to manually enter data in the fields as needed.

(Updated on 3/16/2023)

A new section for Verification Information has been added below the Credit Information Section on the Borrower Summary - Origination input form.

This section includes the following four new borrower-level fields to indicate whether the borrower and co-borrower on loans submitted via Encompass Consumer Connect have authorized the Verification of Employment form (VOE) and to record the authorization date:

• Authorized VOE check box for the borrower (field ID 4894)

• Authorized VOE check box for the co-borrower (field ID 4895)

• Date Authorized for the borrower (field ID 4896)

• Date Authorized for the co-borrower (field ID 4897)

The following logic is used for these fields:

• When a borrower or co-borrower is removed, the borrower or co-borrower fields are cleared.

• When the Manage Borrowers window is used to swap a borrower and co-borrower, their check box and Authorization Date selections are also swapped.

• When duplicating a loan, the fields are cleared in the new loan.

For loans using the 2015 Itemization input form, the following updates have been implemented on the input forms listed below to clearly identify all transfer tax line items.

2015 Itemization - line items 1204 and 1205

The labels for line items 1204 and 1205 have both been changed to Transfer Tax.

New lines with drop-down lists have been added below line items 1204 and 1205:

• The drop-down list for line 1204 is labeled City/County/Stamps.

• The drop-down list for line 1205 is labeled State Tax/Stamps.

• Three options are available on each of the drop-down lists: Taxes, Stamps, and a blank value. The fields are populated with a blank value by default.

  

When a user switches from the 2015 to the 2010 version of the itemization form, data is cleared from the two drop-down lists. If the loan is then switched back to the 2015 version, the data in the drop-down is not retained.

Loan Estimate Page 2 and Closing Disclosure Page 2

The Loan Estimate Page 2 and Closing Disclosure Page 2 reflect the selections made in the new drop-down lists.

The new fee labels also display on the relevant output forms.

Lenders now can waive escrow for mortgage insurance payments for a loan. Previously mortgage insurance payments were always escrowed by default and could not be waived.

To support this update, changes have been made to the escrow workflow and a new Escrowed check box has been added to the following input forms:

• 2015 Itemization - In the Fee Details pop-up window for line 1003

• Aggregate Escrow Account

• Closing Disclosure Page 4

IMPORTANT: Please coordinate with your business, legal, and compliance experts to determine whether you want to limit your users’ ability to waive mortgage insurance escrows. Your Encompass administrator can create business rules to limit access to the Escrowed check box if needed.

A new Escrowed check box (field ID NEWHUD2.X4769) has been added to the Fee Details pop-up window for line 1003 on the 2015 Itemization input form. When mortgage insurance (field ID 232) is entered on line 1003, the Escrowed check box on the pop-up window is selected by default. Users must clear the check box to waive escrow for the mortgage insurance.

When the Escrowed check box is cleared on the Fee Details window, the Escrowed check box for mortgage insurance (field ID NEWHUD2.X1728) is cleared on the Aggregate Escrow Account input form.

A new Mortgage Insurance row with Escrowed and Non-Escrowed check boxes (field ID NEWHUD2.X1728) has been added to the Closing Disclosure Page 4. When the Escrowed check box is cleared on the Fee Details window, the Non-Escrowed check box for mortgage insurance is selected on the Closing Disclosure Page 4. If there are no additional escrows for the loan, the will have an escrow account check box (field ID CD4.X9) is also cleared and disabled.

When the Escrowed check box is cleared on the Fee Details window and there are no other escrowed payments, the will not have an escrow account because check box (field ID CD4.X9) is selected on the Closing Disclosure Page 4 and users can edit the fields that display below the check box.

If a user completes the Aggregate Escrow Setup form later, and adds one or more escrow items:

• The will not have an escrow account because check box on the Closing Disclosure Page 4 is cleared, and the fields in the section below the check box are cleared and disabled.

• The will have an escrow account check box on the Closing Disclosure Page 4 is selected, and the fields in the section below the check box are updated based on the new entries in the Aggregate Escrow Setup form.

• The Escrowed check boxes in the Fee Details windows on the 2015 Itemization input form are updated and disabled to prevent users from changing the selections made in the Aggregate Escrow Setup entries.

Migration

For existing loans that have already had aggregate setup run prior to updating to Encompass 23.1, Encompass will perform a one-time migration to populate the correct selection for the new Escrowed checkbox (field ID NEWHUD2.X4769) on the Fee Details pop-up window for line 1003 on the 2015 Itemization input form.

To increase the number of product selections and attributes that can be sent to Freddie Mac, the Renewable Energy Component Type drop-down list (field ID CASASRN.X207) in the Duty to Serve & Existing Energy Improvements section on the Freddie Mac Additional Data input form has been renamed Renewable Energy Component Type 1 and the following three new fields have been added below the existing field:

• Renewable Energy Component Type 2 (field ID CASASRN.X214)

• Renewable Energy Component Type 3 (field ID CASASRN.X215)

• Renewable Energy Component Type 4 (field ID CASASRN.X216)

The icons for copying data to and from the Request for Transcript Tax input form now copy data for all relevant fields, including the new fields that were added with the Encompass 22.3 Major Release. Previously the copy function was not moving data for the new fields between the forms.

A new Seller corporation Officers category has been added to the File Contacts tool to enable an Encompass user who is ordering an eClose Package with a Seller Corporation Officer to enter contact information for the officer and eliminate the need to manually enter the officer’s email address during the order process.

Select the Seller Corporation Officers option in the table at the top of the tool. The contact information at the bottom of the screen is divided into three sections. Use the column on the left to enter information for the corporation. Use the sections on the right to enter the name, title, and contact information for up to two officers.

A new option for Space Force has been added to the Branch of Service drop-down list (field ID 954) on the VA 26-0286 Loan Summary and the VA Management input forms.

On Rep & Warrant Tracker Tool, in the Rep and Warrant status section, a new ACE+ PDR Offered row has been added to the Freddie Mac table.

The new row includes the following three new fields:

• "ACE+ PDR" Offered Loan Level (field ID TQL.X243)

• "ACE+ PDR" Offered Expiration Date (field ID TQL.X244)

• "ACE+ PDR" Offered Comments (field ID TQL.X242)

When opening the Workflow Tasks tool from the Tools tab, the tool now opens in the loan workspace panel (as the majority of Encompass tools do). In earlier versions of Encompass, the tool opened in a pop-up window.

(Added on 1/31/2023)

To enable users to easily determine the total corporate price concession and the total branch price concession amounts, a new Total Corporate Price Concession (field ID 4858) field and a new Total Branch Price Concession (field ID 4857) field have been added to the Current Lock tab on the Secondary Registration tool and the Lock Confirmation screen.

The Total Corporate Price Concession field is the total of the five Corporate Price Concession fields on the Secondary Lock Tool while the Total Branch Price Concession field is the total of the five Branch Price Concession fields.

Current Lock tab on the Secondary Lock Tool

Lock Confirmation Screen

The VA Discount Charge Violation alert now displays for VA loans only when the following conditions are true:

• VA is selected for the Loan Type (field ID 1172).

• The % Discount (field ID VARRRWS.X9) is greater than 2.

• IRRRL (streamline Refi) is selected from the Loan Code drop-down list (field ID 958).

Previously, the alert would also display for non-IRRRL VA loans that exceeded the 2% discount amount

(Updated on 3/9/2023) 

Updates have been made to the Minimum Payment Schedule and Worst-Case Payment Schedule calculations for adjustable rate HELOCs to ensure that the rate does not drop lower than the ARM Floor (field ID 1699) or go higher than the Max Allowable APR (field ID 1893).

The schedules are accessible from the HELOC Management input form by clicking the View Example Schedules button to open the HELOC Example Payment Schedules pop-up window.

For the Minimum Payment Schedule, the calculation will add in consideration of both the ARM Floor and Max Allowable APR, and the result will be as follows:

• Should the Rate from the Historical Schedule’s most current year (e.g., 2023) be lower than the ARM Floor, the rate used for the Minimum Payment Schedule will equal the ARM Floor.

• Should the Rate from the Historical Schedule’s most current year (e.g., 2023) be higher than the Max Allowable APR, the rate used Minimum Payment Schedule will equal the Max Allowable APR.

For the Worst-Case Payment Schedule, the calculation will add in consideration of both the ARM Floor and Max Allowable APR, and the result will be as follows:

• Should the sum of the Margin + Index (field ID 1827) be lower than the ARM Floor, the rate used will equal the ARM Floor.

• Should the sum of the Margin + Index (field ID 1827) be higher than the Max Allowable APR, the rate used will equal the Max Allowable APR.

The Worst-Case Payment Schedule is currently calculated only when the Property State (field ID 14) = FL.

A new option for an alternate HELOC historical schedule has been added to the HELOC Table setting in Encompass to enable lenders to select which of the following versions of the historical schedule to use with HELOC loans that are less than 15 years:

• Default schedule - This version prints the padding years at end of table. It is the method used by the Consumer Financial Protection Bureau (CFPB).

• Alternate schedule - This version prints the padding years at the beginning of table. It is the method used by the Office of the Controller of the Currency (OCC)

A new Use Alternate Schedule check box has been added to the Edit HELOC Historical Index Table pop- window. This window displays when creating or editing a dynamic HELOC table in the HELOC Table settings (Encompass > Settings > Tables and Fees > HELOC Table). An administrator selects the new check box to apply the alternate historical schedule to your company’s HELOC loans.

When a user clicks the View Example Schedules button on the HELOC Management input form, the Alternate Schedule check box displays at the bottom of the HELOC Example Payment Schedules window. This check box displays only when the Historical Schedule radio button is selected at the top of the window.

Migration

For loans created prior to updating to Encompass 23.1, when the Historical Schedule radio button is selected, the new Use Alternate Schedule check box displays on all HELOC defined tables with the check box cleared.

When creating a construction-only loan and then creating a linked construction-permanent loan, the permanent financing loan is no longer treated as a subordinate loan for the construction-only loan. This scenario occurs when the Construction check box (field ID 19) and Construction Perm Disclosed Separately (field ID 4084) check boxes are selected on the Loan Info tab on the Construction Management input form, and the clicking the New Perm button on the Linked Loans tab.

Loan Info Tab

Linked Loans Tab

Previously, the loan created using the New Perm button was created as a subordinate loan, a new VOAL (Verification of Additional Loans) record was created for the permanent financing loan, and the loan amount for the permanent financing loan was the difference between the purchase price and the construction loan amount.

With the Encompass 23.1 release, the permanent financing loan is no longer created as a subordinate loan, the no new VOAL is created for the permanent financing loan, and the permanent financing loan amount now equals the construction-only loan amount.

This update impacts the Sub Fin Additional Mtgs (field ID 1732) and the following fields on the Subordinate Mortgage Loan Amounts pop-up window (accessed via the Sub Financing button on forms such as the RegZ-LE and RegZ-CD):

• Total Additional Loans Amount (field ID URLA.X229)

• Total Applied to Down Payment (field ID URLA.X230)

• Closed End Subordinate Mortgage Total (field ID 427)

• Closed End Subordinate Mortgage Total (field ID 428)

• Total Open End (HELOC) Draw Amount (field ID CASASRN.X167)

• Total Open End (HELOC) Credit Limit (field ID CASASRN.X168)

Additionally, when a construction-only or construction-to-perm loan is linked with another new loan, the following fields will be synchronized after linking:

• Purchase Price (field ID 136)

• Down Payment % (field ID 1771)

• Down Payment amount (field ID 1335)

• Loan Amount (field ID 1109)

These fields are not synchronized when a construction-only or construction-to-perm loan is linked with another existing loan. This won't impact the regular piggyback loans.

When the Use Price-Based General QM check box (field ID QM.X383) is selected on the Qualification tab on the ATR/QM Management input form, the QM Annual Percentage Rate (field ID QM.X381) is now calculating correctly when other general QM tests fail, for example, the Interest Only (field ID QM.X42) or Points and Fees (field ID QM.X46) tests. The QM Annual Percentage Rate is now calculated before the other tests are run to enable the GM APR tests to be run for non-QM loans that are ARM loans but not government or construction loans, for example interest-only, negative amortization, investment property, or balloon loans.

An update has been made to enable the Price-Based General QM Price Limit test calculation comparing the QM APR and APOR to run on loans with a Loan Type (field ID 1172) of Other and to display the results on the Eligibility tab of the ATR/QM Management input form. Previously, the test would run only for loans with a Loan Type of Conventional.

The General QM Price Limit test calculation evaluation still does not run for loans with a Loan type of FHA, VA, or USDA.

Migration

This update does not apply to loans created prior to updating to Encompass 23.1.

Updates have been made to address a discrepancy between the calculation used to determine Bona Fide Discount Points in Encompass loan files and the calculation used for Bona Fide Discount Points in the Encompass Compliance Service when a portion of the discount points is paid by someone other than the borrower. Previously, Encompass used the entire amount of the discount points, regardless of who paid the fees, whereas the Encompass Compliance Service used only the borrowers-paid portion. To match the calculation used by the Encompass Compliance Service, Encompass now includes only borrower-paid discount points in the calculation.

The following updates have been made to the Quick Entry - Bona fide Discount Points Assessment pop-up window in Encompass to support the calculation change. The pop-up window is assessed by clicking the Discount Points button on the Qualification tab on the ATR/QM Management input form.

• In the header at the top of the pop-up window:

  • The Borrower heading has been renamed Charged to Borrower.

  • A new Paid by Borrower heading has been added.

• A new three-decimal % field (field ID NEWHUD.X1727) has been added to the Note Rate / Discount Points row below the Paid by Borrower heading to capture the discount points % paid by the borrower. The percentage is calculated as the dollar amount paid by the borrower (field ID NEWHUD2.X937), divided by the loan amount (field ID 2), and then multiplied by 100. If there is no Loan Amount entered, the field is left blank.

• The existing $ field (field ID NEWHUD2.X937) displays below the Paid by Borrower heading to capture the discount points dollar amount paid by the borrower.

• The Paid To and Paid From drop-down lists have been removed from the pop-up window.

• The new discount points % paid by the borrower (field ID NEWHUD.X1727) is used to calculate the excluded values and bona fide discount points totals at the bottom-right of the popup:

  • Discount Points that can be excluded based on the APR (field ID QM.X364)

  • Discount Points that can be excluded based on reduction in rate (field ID QM.X367)

  • Discount Points that can be excluded based on the Starting Adjusted Rate (field ID QM.X368)

  • Bona fide Discount Points % (field ID QM.X369)

  • Bona fide Discount Points $ (field ID QM.X370)

The updates described below have been made to the logic for the HMDA Loan Term (field ID HMDA.X83) to include biweekly loans and to ensure that the HMDA Loan Term field is never populated with a blank value. These updates apply to loans with a Reverse Mortgage field (field ID HMDA.X56) that is either blank or populated with a value other than Reverse Mortgage.

• When the Biweekly check box (field ID 423) is selected, then the HMDA Loan Term is populated with the Loan Term years (field ID LE1.X2) multiplied by 12, plus the Loan Term months (field ID LE1.X3).

• When the Purpose of Loan (field ID 19) is Construction - Perm and the Construction Period Included in the Loan Terms check box (field ID CONST.X1) is cleared, then the HMDA Loan Term is populated with the Due In months (field ID 325) plus the Period months (field ID 1176).

• When the Purpose of Loan (field ID 19) is not Construction - Perm or the Construction Period Included in the Loan Terms check box (field ID CONST.X1) is selected, then the HMDA Loan Term is populated with the Due In months (field ID 325).

Logic for HMDA partial exemptions have not been modified.

An issue was resolved that caused a successful import message to display after a failed import of a ULAD 3.4 loan file. This scenario occurred when Encompass did not import the loan file because a Persona Access to Fields business rule prevented the persona from importing the data for a specified field.

This issue has been resolved. Encompass now imports the loan, excludes the prohibited field data, and displays the following message:

The loan was imported, however, [FIELD DESCRIPTION] was not able to be imported because field data entry rules prevent it.

In the workflow for sending eClose packages, the Message to Signer column for a third party on the Signers window now includes an entry indicating that the email message option is Not Applicable. A third party includes anyone who is not a borrower, co-borrower, non-borrowing owner, or Encompass user. These parties are not sent an email message. This applies to the workflow for sending eClose Packages directly from Encompass.

Email addresses and phone numbers for non-Encompass users (other than borrowers) are no longer required on the Signers window before sending an eClose package to a settlement agent. The Email and Phone fields for these users are no longer marked with a red dot to indicate that a field is required. This contact information is not mandatory because third-party or unknown signers are often not identified prior to the actual signing date. The Signers window now list the signers in the following order. Signers who are not required display at the bottom of the list:

• Borrower (required)

• Co-borrower (required)

• Non-borrower owner (required)

• Encompass user (required)

• Third party user (not required)

• Unknown user (not required)

The following update were made to the user interface on the Closing Documents window for eClose packages:

• The Closing Documents header above the table now includes the number of documents selected and the total number of documents. Example: 47 of 50 selected.

• The Description column has been relabeled as the Document Title column.

• A status column has been inserted to the left of the Document Title column to display icons that provide additional information about a document.

• The Previous button on the bottom right has been relabeled as the Back button.

A new No Expiration option has been added to the Package expiration default days setting in the Encompass Admin Tools. When this option is enabled, the default expiration date for eClose packages is 30 days after the package signing date. If no expiration date is selected, the package expiration date field does not display on the Approve for Signing window unless the user’s persona has permission to override the policy and set an expiration date.

As with previous versions, this eClose package expiration setting is set to Day of Signing by default.

If your persona does not have permission to override the default expiration date, only the Make package available for signing on field displays on the Approve for Signing window. If your persona has permission to override the default expiration date, a Package expiration (end of day) field also displays, and you can enter an expiration date to override the default selection.

A new Package Signing Date option has been added to the Personas setting to give personas permission to change the default date on the Approve for Signing panel when ordering eClose packages. This option is in the Closing Docs section on the Loans tab in the Personas setting (Encompass > Settings > Company/User Setup > Personas).

When this option is selected for a persona, a user with the persona can update the default Make package available for signing on date on the Approve for Signing panel.

When this option is disabled for a persona, the default Make package available for signing on date is not editable.

On the Encompass Settings > Company/User Setup > Personas > Loan tab, the Encompass eClose > eNote Tab persona category has been renamed to eNote. This update has been made to better represent what this eNote category is associated with since the persona options in this category are used for not only the eNote Tab but also for the eNote options in the eClose workflow.

New label in 23.1

Beginning with the Encompass 23.2 release later this year, the EDM Archive will no longer be available to customers who want to archive eFolder documents to the EDM Archive or retrieve eFolder documents that were previously archived there. The EDM Archive is redundant and is being decommissioned because Encompass stores and retains all eFolder documents. The documents can be accessed by opening them in the eFolder itself.

The following changes will be implemented in the Encompass 23.2 release:

• The Archive eFolder Documents option will be removed from the Documents menu in the Encompass as well as the Archive window that opens after you click the Archive eFolder Documents option.

  

  

• The https://archive.elliemae.com/ web site will be decommissioned. This is the site where users would retrieve eFolder documents from the EDM Archive.

  

(Added on 2/6/2023)

Updates have been made to streamline the process for adding enhanced conditions to a loan file from a condition set to deliver improved performance times and reduce latency. Previously, time delays would occur when adding one or more enhanced conditions from a condition set or when creating or importing loan files that contained document sets with enhanced conditions, especially when larger numbers of conditions were added at the same time.

Encompass now performs additional checks when an administrator attempts to delete a user profile from the Company/User Setup > Organization/Users tool in Encompass Settings. If a user is currently logged into Encompass (desktop version), the web version of Encompass, or TPO Connect, a pop-up message is displayed and the deletion will not continue.

In addition, the DELETE API has also been updated to perform these additional checks when this API is used to delete a user profile.

Previously, the system only checked if a user was logged into the desktop version of Encompass when an administrator was deleting a user profile. These additional checks prevent users currently utilizing another application from being deleted from the Organization/Users tool in Encompass Settings.

New options for the Earliest Closing Date have been added to the Compliance Timeline Calculation for RESPA-TILA section of the Disclosure Tracking Settings (Encompass > Settings > Loan Setup > Disclosure Tracking Settings) to enable administrators to configure the earliest closing date calculation for loans using the RESPA-TILA forms.

Two new options are available for configuring the Earliest Closing Date. By default, both options are cleared in the setting and are not applied by default to loans:

• Opt in for Sunday closings

• Opt in for Federal Holiday closings

The option to Opt in for Sunday closings and Opt in for Federal Holiday closings can be selected individually, or they can both be selected to include both Sundays and federal holidays in the calculation.

If only the Opt in for Federal Holiday closings check box is selected, when the earliest possible closing date falls on a Sunday federal holiday, the calculation rolls to the next possible earliest closing date, which would be a Monday.

These new check boxes will be independent from the regular calendar settings for Sundays and holidays set by the company. When the both the Sunday and federal holiday check boxes are selected, they would effectively override the calendar settings for the count of days End Date. The start date would still begin on a RegZ Calendar business date.

The following new options have been added to the UCD Fees section in the Itemization Fee Management setting (Encompass > Tables and Fees > Itemization Fee Management) to enable these fees to be included in UCD exports:

• CommitmentFee

• ModificationFee

• MortgageBrokerFee

• NewLoanAdministrationFee

• RedrawFee

• TaxRelatedServiceFee

• UnderwritingFee

• AssignmentFee

• DeedPreparationFee

• MIInitialPremium

• StateTitleInsuranceFee

• TitleCertificationFee

• TitleFinalPolicyShortFormFee

• TitleInsuranceFee

• TitleServicesFeeTotal

• TitleServicesSalesTax

• AttorneyFee

• DocumentaryStampFee

• RecordingFeeForSubordination

• TaxStampForCityDeed

• TaxStampForCountyDeed

• TaxStampForStateDeed

As a result of the Encompass 22.2.0.4 update introduced in September 2022, some users were no longer able to launch Encompass from the AppLauncher.exe if the executable file was located anywhere other than the default C:\SmartClientCache\Apps\Ellie Mae\Encompass folder location. AppLauncher.exe files located outside of the default location were not able to receive the latest updates and would therefore be unable to launch the most current version of Encompass. This issue has been resolved so that AppLauncher.exe files located in non-default locations can successfully launch Encompass.

In order for a loan team member to be able to access the Funding Worksheet link in the left navigation menu when viewing loans in the web version of Encompass, administrators must provide access to the form based on the user’s persona. In previous versions of Encompass, administrators could manage this persona access with the Funding Worksheet option in the Encompass Settings > Company/User Setup > Personas > Web Version tab > Standard Web Forms panel. This option has been removed. Starting in Encompass 23.1, administrators can use the Funding Worksheet option in the Encompass Settings > Company/User Setup > Personas > Forms/Tools tab. This option was already being used in previous versions of Encompass to control persona access to the Funding Worksheet in the desktop version of Encompass and now it’s used to manage access in the web version of Encompass as well.

• In order for the Funding Worksheet link to be accessible in the left navigation menu in the web version of Encompass, the Funding Worksheet and the Funding Balancing Worksheet options must be selected on the Personas > Forms/Tools tab.

Funding Worksheet Personas option in earlier versions of Encompass

Funding Worksheet Personas option in 23.1

The Personas Setting option for configuring access to Investor Connect Settings has been moved from the External Settings tab to the Settings tab. Check boxes have been added as subcategories for the Investor Connect Settings option to enable administrators to configure persona access to the Deliver Loans and Partner Setup settings for Investor Connect.

The user interface for the Deliver Loans setting has been redesigned to display as a series of tabs across the top of the setting. Options for each feature in the setting are accessed by clicking the tabs. The functionality for the Auto Import, Batch Delivery, Condition Delivery, and Email Notification features have not been changed. A new Document Delivery Options setting has been added to the setting (see the Document Delivery Options entry below for details).

When Encompass 23.1 is released, the updated layout for the Deliver Loans setting will also be implemented in Encompass 22.3.

Partners can now configure their own partner-specific announcements and schedule them to display on the Deliver Loan window when lenders package loans for delivery to the partner. Previously, partners utilized their web portals and ICE Mortgage Technology’s Status Center to display important messages, alerts about system maintenance, and information about topics such as rates and service levels timelines. Lenders had to proactively visit a partner’s portal to look for announcements before making a submission.

To support this feature, a new Partner Setup setting has been added to Encompass to enable Encompass Investor Connect partners to configure and schedule their own announcements. Lenders will see these partner-specific announcements on the Deliver Loans window when they package loans for delivery to the partner.

The ability to configure the options in the setting is available only to Encompass Investor Connect partners running an instance of Encompass that has been enabled to receive loan deliveries via Encompass Investor Connect.

Partners can even use their test instances of Encompass (provisioned during the onboarding process for Encompass Investor Connect partners) to manage announcements.

Detailed information about the Partner Setup setting will be provided in the Encompass Investor Connect release notes.

Anyone running an instance of Encompass that does not meet the qualifications specified above will see the following message when accessing the setting.

The Encompass ZIP Code database has been updated with the latest available ZIP Code data.

(Added on 1/31/2023)

The version migration has been updated to include logic to validate that only the latest version of a compensation plan will include “Null” in EndDate.

This new function will be executed only once.

• When a TPO organization has only one compensation plan, the EndDate for that plan will be set to “Null”.

• When a TPO organization has multiple compensation plans, the EndDate for the plan with the latest StartDate will be set to “Null”.

• The EndDate for all other plans will be set one day prior to the StartDate of the next plan.

An issue occurred when users opened the Loan Folder drop-down list from the Pipeline, and then selected a folder from the list. After selecting a check box for a loan folder, the last software application the user was working with would open in front of Encompass, resulting in the user having to close or minimize the other application before proceeding with Encompass. This issue has been resolved.

An issue was resolved that caused the Does Not Apply check boxes to be disabled for editing (grayed out) on the Current/ Self Employment and Income section on the 1003 URLA Part 2 input form in the following scenario:

1. The Does Not Apply check box (field ID URLA.X199) was selected.

2. On the VOE input form, two new entries were created for the borrower with Current selected from the Employment is drop-down list (field ID BE0109) and details entered in the VOE fields.

3. On the 1003 URLA Part 2 input form, the VOE Quick entry pop-up window was opened and one of the Current entries was changed to Prior.

In the scenario described above, the Does Not Apply check box on the Current/ Self Employment and Income section on the 1003 URLA Part 2 input form would be disabled, but the check box would remain selected and Encompass users would be unable to clear the check box on the 1003 URLA - Part 2.

This issue has been resolved and the employment check boxes are now cleared and disabled for editing under the scenario described above.

The following issues have been resolved when using the Tab key to move from one field to another on the Quick Entry - VOE pop-up window:

• Tabbing from the Date Hired field (field ID BE0151) now correctly takes the user to the Date Terminated field (field ID BE0114). Previously, tabbing from the Date Hired field would incorrectly take the user to the Seasonal Income check box (field ID BE0176).

• Tabbing from the year field (field ID BE0116) for the Years in Line of Work now takes the user to the month field (field ID BE0152) for the Years in Line of Work. Previously, tabbing from the Year field would incorrectly take the user to the Base pay field (field ID BE0119).

The Quick Entry - VOE pop-up window is accessed by clicking the Show all VOE button on input forms such as the 1003 URLA Part 2.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 23.1 and later.

• Instead of tabbing out of the affected fields, use the mouse to click the next field.

An issue was resolved that caused the Up and Down arrows in the table at the top of the VOR input form to not work under some scenarios when there was more than one entry with a residence type of Current. This issue has been resolved and the Up and Down arrows now work for Current residence entries when there is more than one Current residence listed on the VOR table.

An issue was resolved that caused the Initial TIL Sent Date (field ID 3152) and the Borrower Received Date (field ID 3153) on the Disclosure Tracking Tool to clear when the Property Will Be (field ID 1811) option is changed from Primary to Second in a HELOC loan using the RESPA 2010 GFE and HUD-1 forms. This issue has been resolved and the date fields no longer clear in the scenario described above.

Workaround Information:

The following workarounds were provided for this production issue and is no longer required for Encompass 23.1 and later.

• On the Disclosure Tracking tool, in the Disclosure History section, open the disclosure tracking entry and then click the Lock icon for the Send Date.

An issue was resolved that affected the pop-up window that opens when you click the Prequalification Results button at the bottom of the Prequalification tool.

On the Summary tab in the pop-up window, the label for the Maximum Loan Amount was missing. The label should have displayed at the top of the list of items in the Check Items column. This resulted in the labels for the remaining entries shifting up in the Check Items column so that they did not align with the entries in the Actual, Requirements, and Within Limits columns. Additionally, the numbers and results for the Cash to Close entry were missing from the bottom of the table. This issue has been resolved. The label for the Maximum Loan Amount now displays correctly at the top of the column, all the labels now align correctly with the entries in the other columns, and the Cash to Close entry displays.

Despite the issues that previously displayed in the pop-up window, the summary numbers were displaying correctly on the output form.

An issue was resolved that cause the # of Days field (field ID 432) to be disabled for editing (grayed out) when a user cleared the Secondary Registration check box (field ID 3941) on a custom input form. This issue has been resolved and the # of Days (field ID 432) is now enabled for editing after clearing the Secondary Registration check box (field ID 3941) on a custom input form.

The following issues have been resolved when using the Tab key to move from one field to another on the Transaction Information section on the Closing Disclosure Page 1 Input form:

• In the Borrower’s Info section, when a user tabs out of the State field (field ID 1418), the cursor now moves to the Zip field (field ID 703) in the Borrower’s Info section. Previously the cursor would jump to the Foreign Address check box (field ID 4680) in the Seller’s Info section.

  

• In the Seller’s Info section, when a user tabs out of the State field (field ID 1249), the cursor now moves to the Zip field (field ID 703) in the Seller’s Info section. Previously the cursor would jump to the Name field (field ID 1264) in the Lender’s Info section.

  

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 23.1 and later.

• Instead of tabbing out of the affected fields, use the mouse to click the next field.

A recalculation for the Net Income / Loss (field ID FM0132) on the VOM input form is now triggered when the Homeowner’s Insurance amount (field ID 230) is updated. Previously the Net Income / Loss Amount was not automatically recalculating when the Homeowner’s Insurance Premium changed.

Workaround Information:

The following workarounds were provided for this production issue and are no longer required for Encompass 23.1 and later.

• Click the Lock icon for the Net Income/Loss (field ID FM0X32), and then click it again.

• Or, on the 2015 Itemization input form:

  • Delete the Property Tax amount (field ID 231) and re-enter the value.

  • Or delete the City Property Tax amount (field ID L268) and reenter the value.

The Validate Export button has been removed from the Fannie Mae and Freddie Mac tabs on the ULDD/PDD input form. The button provided outdated functionality that was no longer valid for these tabs. The button is still available on the Ginnie Mae tab.

An issue has been resolved that caused the Title drop-down list (field ID IR0128) on the Request for Transcript of Tax input form to not retain an updated value under certain conditions. When the Use IRS 4506-Ccheck box (field ID IRS4506.X67) was cleared and the selection in the Title field was changed, the new selection would display initially, but the field would revert to the previous selection as soon as the Encompass user moved out of the field. This issue has been resolved. The Title field now retains the most recent selection under the scenario described above.

The calculation used to populate the Prepaid Expenses (field ID 61) on the FHA Maximum Mortgage and Cash Needed Worksheet has been updated so that the Aggregate Adjustment (field ID 558) amount is no longer added twice to the Prepaid Expense. This issue occurred because the Aggregate Adjustment amount and the borrower’s Initial Deposit for Your Escrow Account (field ID NEWHUD.X1719) were both included in the field calculation. The calculation for the borrower’s Initial Deposit for Your Escrow Account already included the Aggregate Adjustment amount, which resulted in the amount being included twice in the calculation for Prepaid Expenses. This issue has been resolved and the calculation has been adjusted to include the Aggregate Adjustment amount only once.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 23.1 and later.

• Click the Lock icon next to the Prepaid Expenses field to manually update the amount.

The MH CHOICEHome option is now included in the Price Limit Test Comparison Logic for Manufactured Homes. The MH CHOICEHome option can be selected from the Property Type drop-down list (field ID 1041) on input forms such as the 1003 URLA - Lender, the Borrower Summary - Origination, and the Property Information forms.

(Added on 1/31/2023)

An issue infrequently occurred where all Secondary Registration log information was missing from a loan. This issue has been resolved and the log information is no longer missing going forward. For missing logs prior to this release, please contact IMT Technical Support to have the logs restored.

When the Maximum Balance option is selected for the Qualifying Balance (field ID 4473) on a HELOC subordinate loans for a primary residence, the DTI (field ID 742) and the total expenses for the primary residence (field ID 1731) are now recalculated when the value for the Loan Amount Excluding Financed Mortgage Insurance (field ID 1109) is changed. Previously the DTI ratio and total expenses for the primary residence were not recalculated until the loan file was saved.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 23.1 and later.

• After changing the Loan Amount Excluding Financed Mortgage Insurance (or Mortgage Insurance Equivalent), click the Save icon to save the loan and trigger the calculation.

The Payment Total (field ID 1731) and DTI ratio for a standalone HELOC loan now update immediately when the loan amount excluding any funds for PMI/MIP financing (field ID 1109) is updated. Previously, the Payment Total would not update just by saving the loan. Users would have to use one of the workarounds described below to update the Payment Total and trigger a recalculation of the DTI ratio.

Workaround Information:

The following workarounds were provided for this production issue and is no longer required for Encompass 23.1 and later.

• Save, close, and reopen the loan.

• Or, open the RegZ-CD or RegZ-LE input form.

• Or, click the Lock icon next to the First Mtg P&I (field ID 1724) and then click it again.

When a value is entered for the Total Open End (HELOC) Draw Amounts (field ID CASASRN.X167) on the Subordinate Mortgage Loan Amounts pop-up window, the field retains the decimal formatting after the e pop-up window is closed and reopened. Previously the field initially displayed in two-decimal formatting (dollars and cents) but would display as an integer (dollars only without the cents) after the Subordinate Mortgage Loan Amounts pop-up window was closed and then reopened.

The Subordinate Mortgage Loan Amounts pop-up window is accessed by clicking the Sub. Financing button on forms such as the 1003 URLA - Lender and the RegZ-LE.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 23.1 and later.

• On the HELOC Management input form, enter a value for the HELOC Drawn Total (field ID CASASRN.X167) in decimal format.

An issue was resolved that affected the Floor Vrbg drop-down list (field ID ARM.FlrVerbgTyp) for ARM loans using the RESPA 2010 GFE and HUD-1 forms. Previously, the drop-down list contained only a single entry for </nbsp> for these types of loans.

This issue has been resolved and the following options now display on the Floor Vrbg list:

• My interest rate will never be less than the start rate or (floor).

• or less than (floor).

• My Interest rate will never be less than the margin or (floor).

• or less than the Margin.

An issue was resolved that caused the RegZ Payment Schedule to be cleared the first time the Get Index button was clicked on the RegZ-CD or RegZ-LE input form. The payment schedule would temporarily remain blank but would be repopulated after the loan was saved or after a user closed and then reopened the RegZ-LE or RegZ-CD input forms.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 23.1 and later.

• Save the loan or reload the RegZ-CD or RegZ-LE input form.

To provide users with the ability to manually enter a value of their own choosing, the Index Lookback Period drop-down (field ID ARM.IdxLkbckPrd) for ARM loans is now an editable field. Users can select an option from the drop-down list or they can type their own value in the field. This field displays in the following locations:

• REGZ-LE input form

• REGZ-CD input form

• The Loan Programs setting (Encompass > Settings > Loan Templates > Loan Programs)

• The Details section of the Select Loan Program Template window when you apply a loan program template to a loan.

An issue was resolved that occurred after opening a conventional loan and using the Piggyback Loans tool to create a new second lien loan that was linked to and synchronized with the conventional first lien loan. When the Purchase Price (field ID 136) on the conventional loan was updated, the Down Payment % (field ID 1771), Down Payment Amount (field ID 1335), and Loan Amount (field ID 1109) were not updating on the linked second lien loan.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 23.1 and later.

• Manually update field 1771 or field 1109 on the linked loan

An issue was resolved that cause the borrower and co-borrower Alternate Names to not synchronize correctly in the pop-up windows for Alternate Names - Borrower and Alternate Names - Coborrower for loans that were linked and synchronized using the Piggyback Loans tool. The pop-up windows are accessible by clicking the Edit icons

When the fields for the borrower Alternate Names (field ID URLA.X195) and co-borrower Alternate Names (field ID URLA.X196) were included in the Piggyback Loan Synchronization setting in the Encompass Settings, the fields were being correctly synchronized between linked piggyback loans in fields for the borrower Alternate Names (field ID URLA.X195) and co-borrower Alternate Names (field ID URLA.X196), but the pop-up windows for Alternate Names - Borrower and Alternate Names - Coborrower were blank. This issue has been resolved and the alternate names are now synchronized correctly to the pop-up windows.

The following updates have been made to the Closing Costs from Linked Loan field (field ID 1851) on the 2015 Itemization input form:

• When loans have been linked via the Piggyback Loans Tool, a Lock icon now displays next to the field and the field is not editable (grayed out). Click the Lock icon to edit the field.

• When loans have not been linked via the Piggyback Loans Tool, a Lock icon does not display, and the field is editable.

• The label for the field has been changed to Closing Costs from Other Loans.

• When a user enters data in the field and then uses the Piggyback Loan tool to link the loan to another loan, the field retain the data that the user manually input.

This update enables users to submit 2nd lien closing costs to DU or LP when there is a 2nd lien loan that is not linked via the Piggyback Loan tool. Previously, starting with the Encompass 22.3 Major Release, the Closing Costs from Linked Loan field was not editable, and the amount was populated only when loans were linked via the Piggyback Loan Tool. This caused inaccurate findings to be returned from DU and LP, with the cash back not reflecting the closing costs from the other loan.

Migration

These updates will not be applied to loans created prior to updating to Encompass 23.1.

An issue was resolved that caused the borrower and co-borrower names to not synchronize from a first-lien loan to a second-lien loan when the loans were linked via the Piggyback Loan tool using the default synchronization fields in the Piggyback Loan Synchronization setting in Encompass (Encompass > Settings > Loan Setup > Piggyback Loan Synchronization). This issue has been resolved and the borrower and co-borrower name fields (field IDs 4000, 4001, 4002, 4004, 4005 and 4006) have been added to the default list of synchronization fields in the setting.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 23.1 and later.

• Add field IDs 4000, 4001, 4002, 4004, 4005, 4006 to the Synchronization Fields in the Piggyback Loan Synchronization setting.

An issue was resolved that resulted in an incorrect Loan Maturity Date (field ID 78) when the Est. Closing Date (field ID 763) and/or Disbursement Date (field ID 2553) were on the last day of the month for a construction loan with B (Full Loan) selected from the Est Interest On (field ID SYS.X6) drop-down list. This issue has been resolved and the Maturity Date calculated correctly in the scenario described above.

Updates have been made to the logic used for the following four fields on the HMDA Information input form to avoid confusion about how the fields can be edited in scenarios that result in the fields being non-calculated, user-defined fields:

• Other Non-Amortization (field ID HMDA.X38) drop-down list

• Multifamily No Units (field ID HMDA.X41) text field

• Reverse Mortgage (field ID HMDA.X56) drop-down list

• Open-End Line of Credit (field ID HMDA.X57) drop-down list

When one of the following conditions is not true, Encompass no longer displays Lock Icons next to these fields and the fields are editable by users:

• The Loan is Partially Exempt checkbox (field ID HMDA.X113) is selected.

• A HMDA Profile has been applied to the loan.

• The Use Non Universal Loan Identifier (NULI) for Loans Reported as Partially Exempt checkbox has been selected in the HMDA Profile applied to the loan.

When all the conditions described above are true, Encompass displays yellow Lock icons next to the fields and users can edit the fields. If a user then clicks the Apply Partial Exemption or Recalculate HMDA button, Exempt or 1111. Exempt will be copied to the fields.

Workaround Information:

The following workarounds were provided for this production issue and are no longer required for Encompass 23.1 and later.

• Click a Lock icon to enter the correct HMDA value for these fields.

• Create or modify business rules for these fields to implement logic for unlocking the fields.

An issue was resolved that caused the following error message to display when generating document while redrawing an eClose package for a loan with a paper note.

This issue occurred when the initial eClose package included an eNote, but the Encompass user redrawing the loan did not have the eNote option enabled in the Personas settings. Even though the redraw was for a paper note, Encompass prevented the user from redrawing the package because the redraw would reverse the eNote for the initial package and the user’s persona did not have permission to work with eNotes. This issue has been resolved and the error message no longer displays when a user who does not have the eNote setting enabled redraws an eClose package previously sent with an eNote.

Access to the Lock check Box (field ID 1765) for the Amount Paid in Cash on the MIP/PMI/Guarantee Fee Calculation pop-up window can now be controlled by Persona Access to Fields business rules. Previously, access to the field was not being restricted when a Persona Access to Fields rule was configured to deny access to the field.

When the USDA-RHS option is selected for the Loan Type (field ID 1172), access to the two guarantee fee financing portion check boxes (field ID 3566) on the MIP/PMI/Guarantee Fee Calculation pop-up window can now be controlled by Persona Access to Fields business rules. Previously, access to the check boxes was not being restricted when a Persona Access to Fields rule was configured to deny access to the check boxes.

When importing a Persona Access to Fields business rule to their Encompass instance, some users received the following error:

'Error During serialization or deserialization using the JSON JavaScriptSerializer. The length of the string exceeds the value set on the maxjsonlength property.'

This issue has been resolved and these users can now import these business rules successfully.

NICE-42141

An issue was resolved that resulted in the Interest Only drop-down list (field ID 2982) on the Qualification tab on the ATR/QM Management input form being blank when it should have been populated with No. This occurred when the Interest Only Term (field ID 1177) was blank, and it resulted in Blue Flag icons (needs review) displaying for Interest Only on the ATR/QM Eligibility tab on the ATR/QM Management input form. This issue has been resolved and No now displays on the Interest Only drop-down list (field ID 2982) when the Interest Only term is blank.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for new loans created in Encompass 23.1 and later.

1. Enter 0 for the Interest Only Term (field ID 1177) and tab out of the field.

2. Delete the 0 from the Interest Only Term field and tab out of the field.

When an Encompass user opens the Fee Details window for line item 1203, 1204, or 1205 on the 2015 Itemization input form and enters a new seller-obligated fee or adjusts an existing seller-obligated fee, Encompass no longer triggers a Good Faith Fee Variance Violated alert. However, the alert will trigger if a seller-obligated fee is changed to a borrower-obligated fee.

An issue was resolved that resulted in the Country Code (field ID FR0130) not updating correctly when importing a Blend MISMO 3.4 loan file. This issue has been resolved and the Country Code now updates correctly after importing a Blend MISMO 3.4 loan file.

Some users experienced an issue where the Login Access setting for users in sub-organizations were being changed to match the settings of the parent organization erroneously. Any time a change was saved to a parent organization, its Login Access setting was applied to the users in its sub-organizations even though the Use Parent Info option was not selected, and the sub-organizations should not have been updated. As a result, scenarios occurred where users assigned with Restricted Access (login supported only through SSO) were being changed to Full Access (login supported via SSO or user ID/password) any time a change was saved to their parent organization (since the parent organization was set up with Full Access). This issue has been resolved and users in sub-organizations now retain their Login Access settings as expected when the Use Parent Info option is not being used for their organization.

An issue was resolved that resulted in a persona not being able to access the Investor Connect Settings in (Encompass > Settings > External Company Setup > Investor Connect Settings) if the persona was initially created with the Access to No Features option selected and the persona was later granted access to the Investor Connect Settings. This issue has been resolved and personas can now access the setting under the scenario described above.

Workaround Information

The following workaround was provided for this production issue and is no longer required for the Encompass 23.1 release and later:

• Create a new persona with the Access to All Features option selected, and then clear the check boxes for any features the persona is not allowed to access.

(Added on 1/31/2023)

An issue occurred where external Encompass users that were logged into Encompass TPO Connect could not access loans if the Organization Name associated with those loans was modified on the Encompass Company Details Basic Info tab. After the Organization Name was modified and a loan associated with that organization was opened, the Site ID (field ID TPO.X1) on the TPO Information screen was cleared. Once that loan was saved, the loan was no longer accessible via Encompass TPO Connect because the Site ID on the TPO information screen was blank. This issue has been resolved because the Site ID on the TPO Information screen is no longer cleared when the Organization Name is modified so loans associated with that Organization Name can be accessed via Encompass TPO Connect.

(Added on 1/31/2023)

When administrators were configuring Persona Settings Reports, the ICE Mortgage Technology AIQ option was not being selected when the administrator selected the Select All option for the items to include in the report. This issue has been resolved and the AIQ option is now included when Select All is selected.

(Added on 1/31/2023)

An issue occurred where the Pool ID (field ID 4019) and Pool Number (field ID 3890) were not populated on a custom form when loans were assigned to a new MBS pool and then either Update Selected Loans or Update All Loans was selected on the Loans tab. This issue has been resolved and the Pool ID and Pool Number fields are now populated in a custom form when either the Update Selected Loans or Update All Loans button is selected.

When a Buyer’s Agent or Seller’s Agent has been added to the File Contacts tool, and an Encompass user clicks the Address Book icon in the File Contacts tool to add the agent to the Encompass Business Contacts, the agent’s contact information is now copied correctly when the Business Contacts record is created. Previously, the license information and the cell phone number for the agent was not copied to the Business Contact record. This issue has been resolved and the license and cell phone information shown in the images below are now being copied into the Business Contact record.

A rounding issue has been corrected that caused a negative number to be populated to the Total points and fees applicable under section 32 (field ID S32DISC.X48) in some scenarios when a user entered a negative value in the field for the additional amount to be applied to the origination credit (field ID NEWHUD.X1227) on the 2015 Itemization input form, and then entered a percentage value for the origination points (field ID NEWHUD.X1150). The resulting number would be round down to 1 cent lower than when a user entered the percentage value first and then entered the amount value. This resulted in a value of -0.01 populating to the Total points and fees applicable under section 32 in some scenarios. The rounding issue has been resolved and logic has been implemented to ensure that the Total points and fees applicable under section 32 is no longer populated with a negative number.

The following locales, which are not recognized by the Unite State Postal Services (USPS) have been removed from the Encompass ZIP code database and no longer display in the Select a City pop-up window.

• Shepherdsvlle has been removed from the window for the 40165 ZIP code. The entry for Shepherdsville (with an “i”) is still listed in the window.

• Booneville has been removed from the window for the 27011 ZIP code. The entry for Boonville (with one “e”) is still listed in the window.

When a loan with multiple borrower pairs is saved, the Points paid on purchase or principal residence (field ID 1191) no longer clears when the loan is saved from the second borrower pair. This issue has been resolved and Encompass now always uses data for the first borrower pair to populate the Points paid on purchase or principal residence.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 23.1 and later.

• Select the first borrower pair in the loan file, and then save the loan.

Some users executing batch loan updates experienced an issue where new rows were not inserted into the Reporting Database table when the batch update was initiated when the UpdateXDBBasedOnFieldChanges flag on the database was set to True. This resulted in the Reporting Database, the batch update, and the loan file being out of sync. This issue has been resolved.

(Added on 3/14/2023)

An issue with custom Pipeline Views was introduced in the Encompass 23.1.0.1 update where custom sorting was not being retained in the view: After sorting their Pipeline based on a loan detail (i.e., sorting the Pipeline based on a column value such as Loan Number or Date File Started) and then saving the view as a custom Pipeline View, when users navigated to a different Pipeline view and then returned to this custom Pipeline View, the sort order was not retained. The Pipeline was sorted by Borrower Name instead of the sort order the user had saved for the view. This issue has been resolved and the saved custom view now retains the correct sort order when users navigate away, and then return to, their custom Pipeline view.

(Added on 3/14/2023)

An issue was resolved that affected loans that received eConsent through the third-party Blend cloud-based mortgage origination platform and were then imported into Encompass from Blend. When the process development and repository tool used by Equifax was later run on the loan, the eConsent Date (field ID 3983) was cleared for the loan. This issue has been resolved and the eConsent Date is no longer being cleared in the scenario described above.