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 checkbox (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.

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.

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.

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.

Updates have been made to address an issue that caused most of the style formatting to be removed when some customized HTML coding was pasted into the text entry field for a notification template (Encompass > Settings > eFolder Setup > Notifications Templates). This issued occurred when a user clicked the SHOW HTML button in the Email Body section and then pasted or typed code in the text field. Encompass would perform an HTML validation process on the code and would remove code that did not meet the HTML validations, resulting in formatting errors.

The following updates are being introduced to address this issue:

• The SHOW HTML button has been removed from the notification template style editor in the Email Body section so Encompass users can use the styling options in the editor without having to code the email body and to ensure that the new templates meet security requirements and are compliant with ADA (Americans with Disabilities Act) standards.

• A default template is being provided, which Encompass users can utilize as-is or modify as needed for each of the workflows in the notification setting (eClose, Disclosures, eConsent, Homeowners Insurance (HOI)).

• Encompass users can create new templates from scratch or by using the Email Body styling options in the Notification Templates setting to modifying the default template for each of the workflows.

The date/time fields in the following eFolder windows now use the local date and time of the computer running Encompass:

• On Tracking and Files sections in the Document Details window.

• On the Tracking section on the Condition Details window.

Previously the date/time fields were recorded in Pacific Time regardless of the user’s location.

An issue was resolved that caused an “Evaluation Only” text watermark to display across the top of eFolder attachments with a .txt file extension when the file was viewed in the old document viewer.

This issue has been resolved and the watermark no longer displays for TXT files.

This update applies only to .TXT files that are uploaded after the Encompass 23.1 release. Previously uploaded .TXT files need to be uploaded again to ensure the watermark does not display in the viewing panel.

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.

(Added on 2/23/2023)

Some users who had set up a custom Pipeline view as their default Pipeline reported receiving an Unhandled Exception... error after logging into Encompass 23.1 and then attempting to view their Pipeline. After clicking the Pipeline tab, the Pipeline did not load and they were forced to close or exit their Encompass application. This issue has been resolved and the custom Pipeline view is now accessible as expected.