Encompass 23.3 Persona-Based Release Notes

The Encompass Persona-Based release notes are broken down by common Encompass personas. We realize every organization may have slightly different functional definitions for these personas. As such, you may want to review each persona's release note segments before forwarding to ensure they match personas / roles within your organization.

How to Navigate Persona-Based Release Notes

To use the Persona-Based Release Notes page, use the navigation buttons described below:

Filter by Persona: Create and view a customized on-screen version of the release notes by selecting one or more persona checkboxes. To remove one or more personas, clear the corresponding checkbox for the persona being removed.
Persona Definitions: View general role definition guidelines for each persona.
Print by Persona: View a dedicated PDF version of the release notes aligned to each of the available Encompass persona by selecting a persona one at a time. A new window will open and display the selected PDF file.

The Encompass 23.3 Persona-Based Release Notes include a high-level overview of new features, feature and form enhancements, and fixed issues applicable to the each Encompass persona, followed by more detailed information and instructions where appropriate.

Refer to the online help and the Guides & Documents page for additional information and related documents.

Your customized on-screen version of the Persona-Based release notes include the following personas:

Feature Enhancements in Version 23.3

This section discusses the updates and enhancements to existing forms, features, services, or settings in this release that apply to the selected persona filter(s).

Fixed Issues for Version 23.3

This section describes the issues that have been fixed in this release that apply to the selected persona filter(s).

Why we fixed these issues: These issues were fixed to improve usability and to help ensure Encompass is operating as expected. The issues that are chosen to be fixed are based on the severity of their impact to clients and client feedback.

Feature Enhancements in Version 23.3

This section discusses the updates and enhancements to existing forms, features, services, or settings in this release that apply to the selected persona filter(s).

Improved Delivery of Year-End Compliance Updates

Enhancements were made in Encompass 23.2, and now in Encompass 23.3, to deliver year-end compliance updates seamlessly without the need for a critical patch update late in the year. Traditionally, a dedicated Encompass critical patch update has been required to integrate year-end compliance updates that go into effect in January of the following year into Encompass. Since the needed guidance provided by the various government agencies for new FHA county loan limits, conventional county loan limits, and QM and HOEPA threshold adjustments is not typically provided until late November, a critical patch update in December has been required to provide the new guidelines and rules in Encompass.

ICE Mortgage Technology will announce when the new limits provided by the government agencies is available in Encompass. Use the new tools described below to synchronize the new limits with your Encompass instance. These tools are provided in Encompass Settings > Tables and Fees.

FHA County Limits - Manage the table that contains the maximum FHA loan amount allowed for each county. The County Limits table is used to automatically populate the county limit amount for an FHA loan on the FHA Management form and to warn the user if the loan exceeds the limit. This tool has been available prior to Encompass 23.2. (Refer to the FHA County Limits help topic.)
Conventional County Limits - Manage the table that contains the maximum Conventional County Limits based on the number of units in a property. Conventional county limits are the maximum loan amounts allowed based on the number of units in a property. The FHFA updates county limit data annually (typically in November or December), so a mechanism is provided for quickly synchronizing the table over the Internet. This tool is being introduced in Encompass 23.3. For more information on this new table, refer to the New Conventional County Limits Settings Screen entry later in these release notes.
Federal Threshold Adjustments - View and synchronize the annually adjusted thresholds for Qualified Mortgages (QM) and High-Cost Mortgages (HOEPA). Each year the new ATR/QM guidelines will be available to synchronize. This tool was introduced in Encompass 23.2. (Review the 23.2 release notes entry.)

Administrators can manage user access to these settings via the Personas settings. Navigate to Encompass Settings > Company/User Setup > Personas, and then click the Settings tab. Here you can select the checkbox for the table that you are granting access to. To remove access, clear the checkbox.

CBIZ-52874, CBIZ-53549, CBIZ-54192

Supplemental Insurance Updates

Some input forms and modal windows in previous versions of Encompass that display insurance values were missing the Supplemental Insurance field. Depending on the form purpose, the present supplemental insurance (field ID URLA.X212) and/or the proposed supplemental insurance (field ID URLA.X144) have been added to display on some input forms. For some input forms, new supplemental insurance fields were created to correspond with the field types on those forms.

To provide additional visibility into the supplemental insurance value being used on each form and to ensure that the correct value for supplemental insurance is populated to the appropriate Encompass input and output forms, the following updates have been made in Encompass 23.3:

To clearly display supplemental insurance amounts where needed, existing present and proposed supplemental insurance fields have been added to some forms.

A new supplemental insurance field has been created and added to some forms to display supplemental insurance separately from hazard insurance. This field is populated with the present or proposed supplemental insurance based on whether the subject property is a primary, secondary, or investment property.

A new supplemental insurance field for AUS tracking purposes has been added to the AUS Tracking tool to display the supplemental insurance value needed for AUS tracking purposes.

The following input forms are affected:

Transmittal Summary
ATR/QM Qualification
AUS Tracking
HUD-92900LT FHA Loan Transmittal
Loan Submission

FHA Management
USDA Management
Prequalification Tool

The supplemental insurance updates are provided only in loans using the Forms > URLA Form Version > URLA 2020 input forms.

Detailed information about the fields that have been added to each form are provided in the following entries. Additionally, supplemental insurance has been added to the HUD928005b Conditional Commitment input form to address an issue with how the insurance displayed for loans using the URLA 2020 input forms.

CBIZ-52714

A new two-decimal Supplemental Ins field (field ID 4947) has been added to the following input forms:

Transmittal Summary
HUD-92900LT FHA Loan Transmittal
Prequalification Tool

The new field is dynamically populated based on the selection made for the Property Will Be (field ID 1811) for the loan:

When Primary is selected for the Property Will Be, the new Supplemental Ins field is populated with the proposed monthly supplemental insurance (URLA.X144).
When Secondary or Investment is selected for the Property Will Be (field ID 1811), the field is populated with the present supplemental insurance (URLA.X212).
When neither Primary, Secondary, or Investment is selected for the Property Will Be (field ID 1811), the field is left blank.

Transmittal Summary Input Form

Previously, when processing a loan on an investment or second home property, the values in the present column of the Monthly Housing Expenses pop-up window (accessed by clicking the Edit icon for Housing in the Current Address section of the 1003 URLA Part 1) were populated to the Transmittal Summary (field IDs 1724, 1725, 1726, 1727, 1728, 1729, 1730) and were used in the front end DTI calculation. The Supplement Ins. (field ID URLA.X212) was added to the calculation for the Total field (field ID 737) in the Present column in the Monthly Housing Expenses, but the value did not flow to the Transmittal Summary, which used a different field for the Total (field ID 1731). To address this issue, the new two-decimal Supplemental Ins field (field ID 4947) has been added to the Transmittal Summary.

The following calculation updates have been made to the Transmittal Summary form:

The calculation for Total Primary Expenses (field ID 1731) has been updated to include the new supplemental insurance field.
The following mapping is now being used for Hazard Insurance (field ID 1726):
- When Primary is selected for the Property Will Be (field ID 1811), the field is populated with the proposed Hazard Insurance (field ID 230). Previously hazard insurance and supplemental insurance were added together and populated to the Hazard Insurance field.
- When Secondary or Investment is selected for the Property Will Be (field ID 1811), only the value for the present Hazard Insurance (field ID 122) is populated to the Hazard Insurance field.

Updates to the Hazard Insurance field affect only loans using the URLA 2020 forms. The hazard insurance calculation does not change for loans using the URLA 2009 forms.

When updating to Encompass 23.3, there will be no data migration for loans existing prior to the update. You may see changes on Investment and Second Home DTI because the supplemental insurance will now be included in the Transmittal Summary calculation of Total Primary Expenses (field ID 1731).

HUD-92900LT FHA Loan Transmittal

The new Supplemental Insurance field (field ID 4947) has also been added to the Proposed Monthly Payments section on the HUD-92900LT FHA Loan Transmittal input form and the calculation for the Total Mortgage Payment (field ID 739) has been updated to include the new Supplemental Insurance field.

Prequalification Tool

The new Supplemental Insurance field (field ID 4947) has also been added to the Monthly Housing Expenses section on the Prequalification Tool.

CBIZ-40051, CBIZ-52719, CBIZ-52723

The Supplemental Insurance field on the Monthly Payment - Second Lien/Monthly Housing Obligations section on the Qualification tab on the ATR/QM Management form is now dynamically populated based on the selection made for the Property Will Be field (field ID 1811).

The new field is only used on the form when the Property Will Be (field ID 1811) is Primary or has not been selected.
The old Supplemental Ins field (field ID URLA.X144) is used on the form when the Property Will Be is Secondary or Investment.
When there is no value selected for the Property Will Be, field 4947 is used for the Supplemental Ins field, but no value will be entered in the field.

The following calculations have also been updated to include the new Supplemental Insurance field when the new field displays on the input form:

The calculation for the Initial Rate Max Total Pmt. (field ID QM.X113).
The calculation for the Fully Indexed Rate Max Total Pmt. (field ID QM.X114).
The calculation for the Max Rate During First 5 Years Max Total Pmt. (field ID QM.X117).

For existing loan created prior to upgrading to Encompass 23.3, the Max Total Pmt amounts may change based on the new Supplemental Insurance field values.

CBIZ-52715

(Updated on 10/3/2023)

The two existing fields for Supplemental Insurance have been added to the following Encompass input forms:

HUD-92900LT FHA Loan Transmittal
Loan Submittal
FHA Management
USDA Management

HUD-92900LT FHA Loan Transmittal Input Form

A new line containing two existing Supp. Insurance fields has been added to the Quick Entry - Proposed Housing Expenses pop-up window on the HUD-92900LT FHA Loan Transmittal input form. The quick entry window is accessed by clicking the Borrower’s Primary Residence button in the Proposed Monthly Payments section.

The present Supplemental Ins (field ID URLA.X212) has been added to the Present column.
The proposed Supplemental Ins (field ID URLA.X144) has been added to the Proposed column.

Two icons display to the left of the Proposed Supp. Ins field:

A Lock icon enables the user to override the calculated value populated to the field.
An Edit icon enables the user to open the Proposed Supplemental Property Insurance pop-up window shown here:

Users can click the Edit icon to open the Proposed Supplemental Property Insurance pop-up window and enter insurance values for lines 1006 - 1009. The total of all valid values entered in the pop-up window is populated to the Subject Property Supplemental Ins field (field ID URLA.X144). Valid values must contain the word Insurance in the description and not be indicated as Excluded.

When the Lock icon is blue, the field is unlocked. Encompass calculates and populates the field based on the valid values entered in the Proposed Supplemental Property Insurance pop-up window as described above.

If the user clicks the blue Lock icon, the icon changes to gold, and the field is locked. You can then manually enter a new value in the field to override the system calculated field. You can still click the Edit icon to open the Proposed Supplemental Property Insurance pop-up window and enter or change values, but the values entered in the pop-up window are ignored and Subject Property Supplemental Ins field (URLA.X144) does not update. To revert back to the system calculated value, click the gold Lock icon. The lock returns to a blue, unlocked state.

Loan Submission Input Form

A new Supplemental Ins row has been added to the Combined Housing section on the Loan Submission input form:

The present Supplemental Ins (field ID URLA.X212) has been added to the Primary Residence column.
The proposed Supplemental Ins (field ID URLA.X144) has been added to the Subject Property column.

In the Subject Property column, two icons display to the left of the proposed Supplemental Ins field:

A Lock icon enables the user to override the calculated value populated to the field.
Users can click the Edit icon to open the Proposed Supplemental Property Insurance pop-up window and enter insurance values for lines 1006 - 1009. The total of all valid values entered in the pop-up window is populated to the Subject Property Supplemental Ins field (field ID URLA.X144). Valid values must contain the word Insurance in the description and not be indicated as Excluded.
When the Lock icon is blue, the field is unlocked. Encompass calculates and populates the field based on the valid values entered in the Proposed Supplemental Property Insurance pop-up window as described above.
If the user clicks the blue Lock icon, the icon changes to gold, and the field is locked. You can then manually enter a new value in the field to override the system calculated field. You can still click the Edit icon to open the Proposed Supplemental Property Insurance pop-up window and enter or change values, but the values entered in the pop-up window are ignored and Subject Property Supplemental Ins (URLA.X144) does not update. To revert back to the system calculated value, click the gold Lock icon. The lock returns to a blue, unlocked state.

FHA Management Input Form

A new line containing two existing Supplemental Insurance fields has been added to the Quick Entry - Income & Expenses pop-up window on the Prequalification tab on the FHA Management input form. The quick entry window is accessed by clicking the Income & Expenses button in the Mortgage calculation section.

The present Supplemental Ins (field ID URLA.X212) has been added to the Present column.
The proposed Supplemental Ins (field ID URLA.X144) has been added to the Proposed column.

In the Proposed column, two icons display to the left of the Proposed Supp. Ins field:

A Lock icon enables the user to override the calculated value populated to the field.
Users can click the Edit icon to open the Proposed Supplemental Property Insurance pop-up window and enter insurance values for lines 1006 - 1009. The total of all valid values entered in the pop-up window is populated to the Subject Property Supplemental Ins field (field ID URLA.X144). Valid values must contain the word Insurance in the description and not be indicated as Excluded.
When the Lock icon is blue, the field is unlocked. Encompass calculates and populates the field based on the valid values entered in the Proposed Supplemental Property Insurance pop-up window as described above.
If the user clicks the blue Lock icon, the icon changes to gold, and the field is locked. You can then manually enter a new value in the field to override the system calculated field. You can still click the Edit icon to open the Proposed Supplemental Property Insurance pop-up window and enter or change values, but the values entered in the pop-up window are ignored and Subject Property Supplemental Ins field (URLA.X144) does not update. To revert back to the system calculated value, click the gold Lock icon. The lock returns to a blue, unlocked state.

These updates affect only loans using the URLA 2020 forms. Loans using the URLA 2009 forms are not affected by these updates.

USDA Management Input Form

A new Supp. Ins row has been added to Page 2 of the Rural Assistance URLA tab of the USDA Management input form in section V. Monthly Income and Combined Housing Expenses Information.

The present Supp. Ins (field ID URLA.X212) has been added to the Present column.
The proposed Supp. Ins (field ID URLA.X144) has been added to the Proposed column.

In the Proposed column, two icons display to the left of the Proposed Supp. Ins field:

A Lock icon enables the user to override the calculated value populated to the field.
Users can click the Edit icon to open the Proposed Supplemental Property Insurance pop-up window and enter insurance values for lines 1006 - 1009. The total of all valid values entered in the pop-up window is populated to the Subject Property Supplemental Ins field (field ID URLA.X144). Valid values must contain the word Insurance in the description and not be indicated as Excluded.
When the Lock icon is blue, the field is unlocked. Encompass calculates and populates the field based on the valid values entered in the Proposed Supplemental Property Insurance pop-up window as described above.
If the user clicks the blue Lock icon, the icon changes to gold, and the field is locked. You can then manually enter a new value in the field to override the system calculated field. You can still click the Edit icon to open the Proposed Supplemental Property Insurance pop-up window and enter or change values, but the values entered in the pop-up window are ignored and Subject Property Supplemental Ins field (URLA.X144) does not update. To revert back to the system calculated value, click the gold Lock icon. The lock returns to a blue, unlocked state.

These updates affect only loans using the URLA 2020 forms. Loans using the URLA 2009 forms are not affected by these updates.

CBIZ-52976, CBIZ-52721, CBIZ-53574, CBIZ-53579

Affordable Loan Enhancements

A new Affordable Loan Eligibility section has been added to the Borrower Summary - Origination, Fannie Mae Additional Data, and Freddie Mac Additional Data input forms to enable Encompass users to view factors that help determine whether a loan is a good candidate for an affordable loan program such as USDA, HomeReady® and Home Possible®.

The Affordable Loan Eligibility section includes two new buttons:

Click the new FFIEC MFI button to be taken to the FFIEC Census and Demographic Data website and manually look up census, income and metropolitan area data for different areas.
Click the new Get AMI button to populate the fields in this section with the Area Median Income (AMI) values for the area where the subject property is located. These values are based on the AMI Limits provided in the Area Median Income (AMI) Limits table in Encompass Settings. This data is provided by Fannie Mae and Freddie Mac.

The Get AMI and FFIEC buttons are disabled within Data Templates.

The Affordable Loan Eligibility section includes the following fields:

Eligible (field ID 4968) - Editable checkbox. Select this checkbox to indicate the loan is eligible for an affordable loan program based on FFIEC data and total household income amounts.
Total Annual income for the household (field ID USDA.X222) - This new read-only field calculates the total of household annual income reported in lines 1-6 on the Rural Assistance URLA input form on the USDA management tool.
Total Adjusted income for the household (field ID USDA.X223) - This read-only field is calculated by subtracting the Total Household Deduction from the Total Household Annual Income (line 7 minus line 13) on the Rural Assistance URLA input form on the USDA Management tool.
Rural Housing (field ID 3850) - An existing editable checkbox. Select this checkbox if the subject property is located in a rural and/or underserved area as designated by the CFPB.
First-Time Homebuyer - An existing field (field ID 934) to indicate that the borrower has not had any form of ownership in any home in the last 3 years. A new field lock icon has been added to this field in Encompass 23.3. Authorized users can utilize this lock icon to control if Encompass will populate this field or override the calculated value with a manual entry.
Purchase Price Limit (field ID 4969) - A new editable field that is blank by default. The purchase price limit is set by the investor providing the affordable loan program.
County (field ID 13) - An existing editable field populated with the county the subject property is located in (based on the subject property ZIP code (field ID 15).
FIPS Code (field ID HMDA.X111) - An existing field for the HMDA County Code consisting of the state code field (field ID 1395) and the County Code (field ID 1396).
AMI 100% (field ID MORNET.X30) - An existing editable field populated when the Get AMI button is clicked.
AMI 80% (field ID 4971 - A new editable field populated when the Get AMI button is clicked.
AMI 50% (field ID 4972) - A new editable field populated when the Get AMI button is clicked.
AMI % (field ID 4985) - A new editable field for the AMI percentage.
AMI [Limit] (field ID 4986) - A new read-only field that calculates the AMI limit to qualify for the affordable loan program

For existing loans created prior to Encompass 23.3, if you click the Get AMI button when the Zip Code field (field ID 15) is populated but the FIPS Code or HMDA County Code field (field ID HMDA.X111) is not, an error message displays that explains you must first provide the ZIP code for the subject property in order to proceed. You must manually re-enter the ZIP code in field 15. This will then auto-populate field ID HMDA.X111 with the applicable code. You can then click the Get AMI button again and the AMI fields will be updated accordingly.

Additional Information About the New Total Annual Income and Total Adjust Annual Income Fields

In addition to the input forms discussed above, the new Total Annual income for the household (field ID USDA.X222) and Total Adjusted income for the household (field ID USDA.X223) fields are now also provided on the Req for SFH Loan Guarantee/Resv. of Funds input form in the USDA Management tool and on the 1003 URLA Part 2. These fields have replaced the previous fields used on these forms to calculate Annual Household Income (field ID USDA.X16) and Adjusted Annual Income (field ID USDA.X17).

Previous versions of Encompass support USDA Income Worksheets that are structured by borrower pair. To ensure Encompass continues to calculate an accurate total household income assessment without disrupting these worksheets, the Rural Assistance URLA input form in the USDA Management tool will continue to use field USDA.X16 (Annual Household Income) and field USDA.X17 (Adjusted Annual Income) in Encompass 23.3, calculating these values at the borrower-level.

Data Migration

When an existing loan is opened, Encompass performs a one-time field calculation for field USDA.X222 (i.e., it calculates the total of household annual income reported in lines 1-6 on the Rural Assistance URLA input form on the USDA management tool) and for field USDA.X223 (i.e., it subtracts the Total Household Deduction from the Total Household Annual Income (line 7 minus line 13) on the Rural Assistance URLA input form on the USDA Management tool).

Fields USDA.X16 and USDA.X17 are not recalculated and retain their current values.

CBIZ-52187, CBIZ-52896, CBIZ-51391, CBIZ-53401, CBIZ-52898, CBIZ-54047, CBIZ-54459

Freddie Mac 5.3 Updates

(Updated on 9/18/2023)

As part of an initiative that has been ongoing for the past few years (and per Freddie Mac's guidance), updates have been made to the Freddie Mac Additional Data input form to remove fields that are no longer needed because they are available on other input forms. As part of the update, various sections have been reorganized and the Purchase Credit Source section has been removed entirely since the fields in that section are no longer on the form. The following images show the new layout of the form.

Fields Removed from Freddie Mac Additional Data Input Form

Per Freddie Mac’s guidance, the following fields have been removed the Freddie Mac Additional Data input form. As noted below, most of these fields are still provided on other Encompass input forms.

Field Name	Field ID	Provided on Other Encompass Input Forms
Contact	1256	Yes
Loan #	364	Yes
Phone	1262	Yes
Fax	1263	Yes
1st Pmt Date	682	Yes
Appraised Value	356	Yes
Sub. Financing	428	Yes
Down Payment	1335	Yes
First Time Home Buyer	934	Yes
1st Adj Cap	697	Yes
1st Change	696	Yes
Adj Cap	695	Yes
Adj Period	694	Yes
Life Cap	247	Yes
Margin	689	Yes
Index	688	Yes
Pmt Adj Cap	691	Yes
Max Balance	698	Yes
Convertible Indicator	1290	Yes
Buydown Indicator	425	Yes
Contributor	CASASRN.X141	Yes
Buydown Type	4645	Yes
Rate	4535	Yes
Rate	4536	Yes
Rate	4537	Yes
Rate	4538	Yes
Rate	4539	Yes
Rate	4540	Yes
Term	4541	Yes
Term	4542	Yes
Term	4543	Yes
Term	4544	Yes
Term	4545	Yes
Term	4546	Yes
County (APN)	977	No
Gross Monthly Income	1389	Yes
Subject PITI	912	Yes
FHA / VA Case #	1040	Yes
FHA Underwriter CHUMS ID	980	Yes
MIP/VA Funding Fee Financed	1045	Yes
MI Premium Refund	1134	Yes
One or more borrowers qualifies as a veteran	156	Yes
VA Residual Income	1325	Yes
M3	202	Yes
M4	1091	Yes
M5	1106	Yes
M6	1646	Yes
$	141	Yes
$	1095	Yes
$	1115	Yes
$	1647	Yes
Source	4667	Yes
Source	4668	Yes
Source	4669	Yes
Source	4670	Yes

CBIZ-52693

A new Accessory Dwelling Unit section has been added to the Section 4a: Loan and Property Information portion of the 1003 URLA Part 4 input form. Use this section to capture ADU details for a subject property. An ADU is an additional living area that includes a kitchen, bathroom, and a separate entrance.

The following new fields are available in this section:

ADU Present (field ID URLA.X309)
ADU Count (field ID URLA.X310)
ADU Gross Income (field ID URLA.X311)
Expenses (field ID URLA.X312)
Vacancy Factor (field ID URLA.X313)
ADU Net Income (field ID URLA.X314)

All of the text fields are disabled (grayed-out) until the ADU Present checkbox is selected.

Please note the following:

Field mapping to the XML that is submitted to LPA is in place for ADU Count (field ID URLA.X310) at this time. Mapping for the other fields in this section will be completed in a future LPA Spec release.
The income derived from an ADU should still be entered as additional income, with Accessory Dwelling Unit selected as the income source, on the Verification of Other Income input form.

CBIZ-51747

Additional Fannie Mae and Freddie Mac Input Form Updates

To help ensure the logic to populate the Counseling Confirmation and Counseling Format type information on the Fannie Mae ULDD XML adheres to Fannie Mae’s Appendix D requirements, two new borrower-level fields are now provided on the ULDD/PDD input form (Fannie Mae, Freddie Mac, Ginnie Mae tabs):

Borrower First-Time Homebuyer (field ID 4973)
Co-Borrower First Time Homebuyer (field ID 4974)

Previously, the loan level First-Time Homebuyer field (field ID 934) was used on the ULDD/PDD Fannie Mae and Freddie Mac tabs to collect this information. This field (934) continues to be used on other input forms.

Utilizing these two new borrower-level fields enables Encompass to capture separate values for the borrower and co-borrower as opposed to capturing just one value for first-time borrower status with the singular loan-level field.

Data Migration Notes:

Field 934 is still provided on other Encompass input forms, such as the Borrower Summary - Origination, Property Information, Fannie Mae Additional Data, and Freddie Mac Additional Data input form forms.
Field 934 on the ULDD/PDD input form was not a calculated field, so other input fields are not impacted by its removal from this form.
If Field 934 on the ULDD/PDD input form contained a value (not blank), that value is retained in field 934 on other input forms.
A new field Lock icon has been added to field 934 on the remaining input forms where this field is provided. Authorized users can utilize this Lock to control if Encompass populates this field or override the calculated value with a manual entry.

If the new First-Time Homebuyer field (4973 or 4974) on the ULDD/PDD input form set to Yes, then Yes will be automatically populated to field 934 if it has not been manually locked with the field lock and manually updated.
When a loan is duplicated, the new 4973 and 4974 fields/values are copied to the duplicated loan.

CBIZ-52826, CBIZ-54250, GSE-27177

Two new fields have been added to the Fannie Mae Additional Data and Freddie Mac Additional Data input forms to enable the user to document when a Borrower acknowledges and accepts that an appraisal is not being obtained for a transaction. These are both editable fields that can be used in business rules:

Property Inspection Waiver Accepted (field ID 4954) - editable checkbox.
PIW Accepted Date (field ID 4955) - editable date field with a calendar icon.

Since Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Product Advisor (LP) do not provide data for these Property Inspection Waiver fields, Encompass users must complete the fields manually as needed. These fields are not included in loan exports or imports.

Fannie Mae Additional Data Input Form

Freddie Mac Additional Data Input Form

CBIZ-51205

(Updated on 9/26/2023)

Two new read-only credit fields have been added to the Quick Entry - AUS Details screen to store the credit report types and IDs that were used with the AUS order submitted to the Government Agencies.

Credit Reference ID (field ID AUS.X201)
Credit Report Type (field ID AUS.X202)

Although available with the Encompass 23.3 Major Release, these fields will remain blank after AUS results are returned to Encompass. Mapping and parsing logic, resulting in automatic update of the fields with AUS results, will be available in a future release.

To Access this Quick Entry - AUS Details Screen:

In a loan file, click the Tools tab.
Click AUS Tracking.
On the AUS Tracking tool, click the New icon in the Underwriting Declaration History section or select an existing Underwriting Declaration History entry, and then click the Edit icon.

CBIZ-54179

(Updated on 10/3/2023)

New WSJ Prime Rate and Freddie Mac PMMS rate options are now provided in the following ARM Index Rate drop-down field lists:

ARM Index Type (field ID 1959)
ARM Index Type (field ID 4512)
Index + Margin (field ID LE2.X96)

The WSJ rate options are provided as an alternative to the LIBOR monthly index options that are also provided in these drop-down lists as LIBOR reached its final retirement on June 30, 2023.

For the three new Freddie Mac PMMS index values, clicking the Get Index button in Encompass retrieves the rate from Mavent and populates it in Encompass. However, there is additional mapping required in order for these index values to reflect accurately on the Mavent Compliance Report (PDF and XML). This mapping will be completed as soon as possible and made available in Encompass at that time. This update will not require a new Encompass installation upgrade.

In addition, a (Retired) label has been added to the retired Freddie Mac 30Y/30D, 30Y/60D, and 30Y/90D indices in these same drop-down fields lists.

CBIZ-31250, CBIZ-45758

Updates to Forms and Tools

(Updated on 9/29/2023)

A new Property Disaster Declarations section has been added to the Property Information input form to enable users to create multiple records of disasters affecting a property on different dates if needed. Select the Disaster Declared checkbox (field ID 4953) at the top of the section to indicate that the property has been affected by a disaster.

Multiple records can be created for disasters in a manner similar to the records created for the Verification of Employment (VOE) or Verification of Liabilities (VOL) verification forms. To add records for disasters, click the Disaster Declarations button at the top of the section to open the Quick Entry - Disaster Declarations pop-up window.

The Disaster Declarations button is disabled in data templates.

On the pop-up window, click the Add icon to open a new record in the panel below the table. Each time you add an entry, it displays in a new table row at the top of the window. Each record includes a new collection of fields that are editable and do not have any logic or validations. The fields in the panel below the table are based on the FEMA Web Declaration Areas defined at: https://www.fema.gov/openfema-data-page/disaster-declarations-summaries-v2

FEMA Declaration String (field ID FEMA0101)
Disaster Number (field ID FEMA0102)
Declaration Type (field ID FEMA0103)
Declaration Date (field ID FEMA0104)
Fiscal Year Declared (field ID FEMA0105)
Incident Type (field ID FEMA0106)
Declaration Title (field ID FEMA0107)
IH Program Declared (field ID FEMA0108)
IA Program Declared (field ID FEMA0109)
PA Program Declared (field ID FEMA0110)
HM Program Declared (field ID FEMA0111)
Incident Begin Date (field ID FEMA0112)
Incident End Date (field ID FEMA0113)
Disaster Closeout Date (field ID FEMA0114)
Declaration Request Number (field ID FEMA0115)
Last IA Filing Date (field ID FEMA0116)
Last Refresh Date (field ID FEMA0117)

Users can delete or reposition entries using the icons on the top-right.

The top three entries on the pop-up window are copied to the Property Information form.

Users can delete an entry directly from the Property Information form by clicking the X icons on the far right.

There is no printed output form associated with the new Property Disaster Declarations section and the Disaster Declarations quick entry window fields. This information is available on the Property Information input form only.

CBIZ-51204, CBIZ-53611

A Lender Obligated checkbox has been added to the Fee Details pop-up windows on the 2015 Itemization for the existing Lender Obligated lines 834, 835, 1115, 1116, 1209 and 1210. This checkbox clearly indicates that fees entered in these lines are not the responsibility of the borrower. These fees are automatically identified as Lender PAC fees, will not impact Fee Variance, will not be represented as Lender Credits, and will not impact the total closing costs fields. They will continue to be disclosed on the Closing Disclosure as Paid By Lender.

Fee Variance Alerts and Fee Variance Worksheet

If a lender obligated fee is listed in lines 834, 835, 1115, 1116, 1209, or 1210 and is decreased after disclosures are sent, a Good Faith Fee Variance Alert is not triggered. When calculating fields on the Fee Variance Worksheet, Encompass excludes fees from consideration if the Lender Obligated checkbox is selected. Lender obligated fees do not appear in the Itemization column of the Fee Variance worksheet.

When the Lender Obligated checkbox is selected on one of those line items, only the lender amount will be excluded from the Fee Variance worksheet. Any other amounts for those line items would still be added to the Fee Variance worksheet.

Closing Costs

The following closing cost fields exclude the Lender Obligated fees for the six fee line items when the Lender Obligated checkbox is selected. These fields appear on the 2015 Itemization, 1003 URLA-Lender, and Closing Disclosure Page 2 forms and affect Closing Costs/Qualifying the Borrower:

Lender Credit (field ID LENPCC)
Total Non-Borrower Paid CC (field ID TNBPCC)
Total Closing Costs (field ID TOTPCC)
Estimated Closing Costs (field ID 137)
Total Due From Borrowers (field ID 1073)
Total Mortgage Loans and Lines of Credit (field ID 1844)
Total Closing Costs Paid by Lender and Other (field ID 1852)
MIP, PMI. Funding Fee (field ID URLA.X146)
Other Credits (field ID URLA.X149)
Total Credits (field ID URLA.X152)
Lender Credits (field ID CD2.XSTLC) from the Closing Disclosure Page 2

Encompass Logic for Selecting a Lender Obligated Checkbox

When users open an existing template that does not have a Lender Obligated checkbox selected, but the borrower paid amount fields are not blank, Encompass will select the Lender Obligated checkbox.
When users apply an existing template that does not have a Lender Obligated checkbox selected, but borrower paid amount fields are not blank, Encompass will select the Lender Obligated checkbox.
When users apply an existing template that does not have a Lender Obligated checkbox selected and the borrower paid amount fields are blank, but the loan has borrower paid amounts in the lines, Encompass will select the Lender Obligated checkbox.
If borrower paid amount is not equal to 0 in an existing or new loan, the Lender Obligated checkbox is selected when:
- The borrower paid amount is entered by users manually.
- The borrower paid amount is not equal to 0 after applying a template no matter what borrower paid amount or new indicator value is from the template.

Migration

The Lender Obligated checkboxes will not be selected for loans existing prior to the Encompass 23.3 release. (The old logs will not have the checkbox values and will still use the old calculation.) For an existing loan with non-zero amounts in all 6 fee line items (lines 834, 835, 1116, 116, 1209, 1210), if a user updates one of the fees, the new calculations to select or clear the Lender Obligated checkbox are triggered only for the updated fee. The remaining lines will not be affected.

When calculating the total of the Lender Credits (Lender-Paid Fees) (field ID LENPCC) for an existing loan using Itemized Credits in the Total Credits section of the 1003 URLA-Lender, Encompass excludes any fees that were changed to a Lender Obligated fee after updating to Encompass 23.3, but includes existing fee lines that do not have the Lender Obligated checkbox selected. Encompass users will need to take action to update the fee lines.

CBIZ-53661, CBIZ-52608, CBIZ-53657, CBIZ-53255, CBIZ-53776

(Updated on 9/18/2023)

A new Preferred Contact Method section has been added to the Borrower Summary - Origination input form, the 1003 URLA - Page 1 input form, and to the Non-Borrowing Owner entries in the File Contacts tool to enable Encompass user to enter information about the preferred methods for contacting a borrower or co-borrower. (email, phone, text, etc.) along with the best time to reach them. This section contains the following fields for the borrower and co/borrower:

Home Phone
Work Phone
Cell Phone
Accept Text/SMS (this field is only enabled when a Cell number has been entered)
Home E-mail
Work E-mail

Time Fields - These drop-down lists display in a pop-up window that opens when you click the Preferred Contact icon on the forms.

Users can then select a borrower Time Zone and the preferred day and time for contacting the borrower:

The screen below shows the Preferred Contact icons on the 1003 URLA Part 1 input form.

The image below shows the preferred contact method fields in a non-borrowing owner entry in the File Contacts Tool.

The following logic is used when adding or editing data in the fields:

If the data is cleared from a field, the associated checkbox remains selected. The Time Zone/Day/Time information remains, as well as any preferred contact times.
The Best Contact Method, Time Zone, Day, and Time are copied to Piggyback Loans.
The Accept Text/SMS checkbox is enabled when the Cell Phone number is populated and disabled when the Cell Phone number is not populated.

CBIZ-51202, CBIZ-52429, CBIZ-52430

Two new Ginnie Mae-specific fields for LTV and CLTV have been added to the Ginnie Mae tab on the ULDD/PDD form to enable lenders to write their own business rules to calculate these fields according to the logic needed for Ginnie Mae.

Ginnie Mae LTV (field ID ULDD.GNM.GinnieMaeLtv)
Ginnie Mae CLTV (field ID ULDD.GNM.GinnieMaeCltv)

In addition, a new Reperforming Loan checkbox (field ID ULDD.X199) has been added to the Ginnie Mae tab per Ginnie Mae’s guidelines.

Refer to APM 23-03: Revised Requirements for Re-Performing Loans (2/1/2023) on Ginnie Mae’s website for more information on Re-Performing Loans.

CBIZ-54815, CBIZ-54304

When a lender receives a loan application, they have 30 days to accept the application. This deadline is the Regulation B Date. If there is missing documentation or the process is put on hold, the timeline pauses. When all documentation is received, the timeline resumes. To enable users to document any changes to the timeline, a new Regulation B section has been added to the Underwriter Summary Page 2 input tool. This section includes the following new free-entry date fields, which users can manually edit:

Decision Due Date (field ID 4984)
Application Completed Date (field ID 4948)
Notice of Incompleteness Issued (field ID 4949)
Received Requested Information (field ID 4950)
Loan Decision Date (field ID 4951)
File Closed for Incompleteness (field ID 4952)

CBIZ-51206, CBIZ-54171

(Added on September 26, 2023)

A new MI Center has been added with the Encompass 23.3 Major Release. This integration provides an enhanced integration with all supported MI providers for a more streamlined mortgage insurance ordering process. Use this feature to leverage process improvements, access to more data, and enhanced flexibility.

To access the MI Center, go to the Pipeline, open a loan file, click the Tools tab, and then click MI Center.

The new Encompass Partner Connect (EPC) MI integrations will be available in the MI Center in a future release. The MI Center is not intended for use until those integrations are available.

TQL-31279

Encompass eClose

Encompass eClose now supports Partner document delivery. For lenders who have integrated and enabled document management vendors with their Encompass instance, they can send closing documents to recipients through the vendor instead of the default Encompass Docs Solution that is used with Encompass eClose.

Prerequisites:

There are no changes required to the eClose setup to send closing documents to Partners. However, the document vendor integration must be configured and enabled in Encompass Partner Connect. Refer to the Partner Documents Delivery topic in the Encompass Partner Connect Developer Hub for more information about completing this integration.

Sending Closing Documents to Partners

Once you have completed the prerequisites, follow these steps to send closing documents to integrated Partners.

To Send Closing Documents to a Partner:

Open the loan file, and then click the eClose button.

On the Create Closing Package screen, click the Configure Closing Type button.

The Configure Closing Type slide-out panel displays. Here you can select the delivery method for the closing documents.
- Select the integrated Partner that will send the closing documents to the borrowers or other recipients from the Select Delivery Method drop-down list, and then click the Update button.

Review the confirmation message and the Partner now indicated for the closing type, and then click Next.

A loan audit is performed, and the results display on the Loan Audit screen. Before sending the closing package to the Partner, you must resolve any Required audit issues that display as red text. Review the Loan Audit screen, and then click Next.

On the Closing Documents screen, select the docs to send, and then click Next.

On the Signers screen, verify the individual document signers’ contact information, and then click Send to Partner.

Review, and then close, the confirmation message.

To Redraw Documents:

If a redraw of documents sent to a Partner is required, the Encompass user is presented with a redraw option.

Please note, after sending documents to a Partner, you can perform a redraw and change the delivery method back to the default Send to Settlement option if needed.

Partial package redraws are not supported. You cannot send only the modified documents. You must send the full closing package. Any redraw must be a full closing package replacement.

From the Signers screen, click Send to Partner.

Since this same document package has already been sent to the Partner, a Void package alert is displayed. If you choose to proceed, the previous closing package will be voided and made read-only to signers.
- Click the Back button to return to the Signers screen, OR
- Click Send to proceed with voiding the previous document package and sending this new document package.

Review and then close the confirmation message.

Disclosure Tracking

Once the closing documents are signed through the Partner solution, the closing documents are returned to Encompass. The closing workflow remains the same as in previous versions of Encompass eClose that used the Hybrid option.

Please note, a Disclosure History entry in the Disclosure Tracking tool is generated only after the recipient has acknowledged and returned the requested documents. With the Hybrid eClose workflow, Disclosure History entries are generated when the closing documents are sent, redrawn, and returned.

New Fields for Partner ID and Partner Name

When an Encompass eClose user selects a Partner to send the closing documents, their selection needs to be saved to the loan file so that the partner information can be displayed throughout the eClose workflow. Two new fields have been added to Encompass to capture this information:

Partner ID (field ID 4982)
Partner Name (field ID 4983)

These fields are reportable, however they are not provided on Encompass input forms or tools.

DOCP-48627

Trade Management

Currently in Encompass, the Total Pair Off Amt field on the View Trade Summary pop up window (select View Trade Summary button on the Current Lock tab of the Secondary Registration tool) is always blank because it is not mapped to another field.

As part of this release, the following changes have been made to that field:

The symbol before the text box has been changed from a % to a $.
The field has been mapped to the Total Pair Off Amt field on the loan trade’s Details tab.
The Get Trade Summary API returns the Total Pair Off Amount instead of the Pair Off Fee.

SEC-1838

Additional Updates

Encompass Settings

In the Encompass Settings > Company/User Setup > Personas setting, a new Developer Connect tab is now available. Use the options provided on this tab to manage user permissions for subscribing to webhooks and the Enhanced Field Change webhook.

About the Field Change Webhook

There are many use cases for needing a detailed audit trail of data changes on the loan, including but not limited to audit of intentional (and unintentional) data changes by users that may have led to saleability or other issues on the loan. Additionally, the audit of data changes provides the ability for loan team members to react specifically to changed data to trigger automation in near real time. For example, changes in the loan amount from Conforming to Jumbo or any other material change that may impact loan manufacturing and the sale are candidates for this type of automation. The Enhanced Field Change webhook provides the details of all changed data (from and to) in the loan, however, because webhooks are delivered to platforms outside of Encompass, the actual data delivered in the subscription cannot be filtered.

Use this Personas option to limit access to the data to only select users and partners who have a true business need to access the detailed change data. Since the Enhanced Field Change webhook may include Personally Identifiable Information (PII) if it changes during the course of processing a loan, this Personas option also enables administrators to control which of their users and partners should have access to the data available in the webhook.

Subscribe to Webhooks enables users to create, update, and delete any webhook subscription.
Enhanced Field Change enables users to create, update, and delete Enhanced Field Change webhook; Personas with access to Enhanced Field Change are automatically enabled to Subscribe to Webhooks as well.

NICE-44185

A new Consumer Status field is now available on the Milestone Details screen used to set up milestone properties. In the Consumer Status field, type a custom Encompass Consumer Connect status to be assigned to the milestone. When a Consumer Connect status is populated in the Milestone settings, that value will display in the Status column on the Consumer Connect loan pipeline when the matching milestone is current. If the Consumer Status field is not populated, the Status column of the Consumer Connect loan pipeline will be blank for that milestone.

Note that this Consumer Status field is intended for use with the configurable progress timeline that will be introduced in the borrower portal in a future Encompass Consumer Connect release.

When utilizing this field, consider the following:

Assign a consumer facing friendly name to any milestone within your milestone settings.
When the milestone template associated with the loan contains a consumer facing status, these statuses will be displayed to the borrower in the borrower portal.
Past and future statuses will display in chronological order with a focus on the current status.
If multiple milestones have the same consumer facing status, Encompass Consumer Connect sites will consolidate and display as a single status.
- For example, let's say the File Started, Qualified, and Processing milestones all have the consumer status of In process. If all the milestones are in the same milestone template that is applied to the loan, then a single status of In process will display in the borrower portal.

The following strings have been added to the Encompass Reporting Database to support this new Milestones settings field:

Log.MS.CurrentConsumerStatus - "Current Consumer Status"
Log.MS.ConsumerStatus - "Milestone Consumer Status"

NICE-43451

A new option to enable users utilizing Encompass eClose to send closing documents to third parties has been added to the Settings Manager in Encompass Admin Tools. This option enables Encompass eClose to support Encompass Loan Connect. Your business partners such as realtors, appraisers, attorneys, and other non-Encompass third party users can contribute to a loan file using Encompass Loan Connect. Instead of mailing or faxing document packages to your business partners, you can store electronic copies of the documents on Loan Connect where your contacts can access them. For more information, refer to the Lender's Guide to Encompass Loan Connect for Business Partners.

It is important to note that while this new Settings Manager option is provided in Encompass 23.3, it is not intended for use at this time. The corresponding updates required for Loan Connect are targeted for a future release. Until then, this option will not be applied or impactful.

To Enable Sending Closing Documents to Third Parties:

On your Windows task bar, click the Start menu or Start icon, navigate to the Ellie Mae Encompass program folder, and then click Admin Tools.
Double-click Settings Manager.
Select eClose from the Category list.
Double-click the Allow user to send a closing package to Third Parties option, and then select Enabled.
When finished, click Apply or OK.

Loan team members may need to log out of Encompass and then log back in if the administrator makes changes to this Admin Tools setting when the user already has the eClose page open in their instance of Encompass.

NICE-44318

Fixed Issues for Version 23.3

This section describes the issues that have been fixed in this release that apply to the selected persona filter(s).

Encompass Forms and Tools

Construction Loans

An issue occurred with the Balloon Payment field (field HMDA.X114) on the HMDA Information input. When loan team members set the Loan Type (field ID 1172) to Conventional and the Loan Purpose (field 19) to Construction, the Ballon Payment fields (field ID 1659 and field ID HMDA.X114 on the HMDA Information input form) would both automatically populate to Yes as expected. (For input forms where field 1659 is a checkbox, the checkbox would be automatically selected.) But after applying a HELOC loan template to the loan which changed the Loan Type to HELOC and the Loan Purpose to Cash-Out Refi or No Cash-Out Refi, the Balloon Payment field (HMDA.X114) on the HMDA Information input form would remain as Yes instead of automatically populating to No like it should have. (The other Balloon Payment field (1659) auto-populated to No correctly.) This issue has been resolved and HMDA.X114 is now auto-populated correctly based on the values in the assigned template.

Note that this issue with field HMDA.X114 did not occur when loan team members manually updated the Loan Type and Loan Purpose fields. It only occurred when these fields were updated by applying a loan template.

As part of this fix, the balloon payment logic in Encompass has been updated to apply to all loan types (including HELOC, Construction, Construction-to-Perm, etc.) instead of only specific loan types. If the Due in value (field 325) is less than the Loan Term (field ID 4), the loan is considered a balloon loan and the Balloon / Balloon Term checkbox (field ID 1659) will be selected automatically. When field 1659 is selected, the Balloon Payment field (field ID HMDA.X114) field is set to Yes automatically.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for the Encompass 23.3 release and later:

Go to Field 1172, manually select Conventional, and then re-select HELOC. Or lock field HDMA.X114, and then manually update to No.

CBIZ-51265, CBIZ-52447

For Construction loans where the lot is owned free and clear with no seller, the Estimated Closing Costs Financed field (field ID LE2.X1) was not calculated correctly unless the Use Actual Down Payment & Closing Costs Financed checkbox (field ID LE2.X30) was selected. Starting in Encompass 23.3, if the Use Alternate checkbox (LE2.X28) is selected and the Refinance value (field ID1092) is null or empty, then the Estimated Total Payoffs and Payments field (LE2.X31) is now used instead of field 1092 for the calculation of the Estimated Closing Costs Financed field (field ID LE2.X1)

Data Migration:

Field LE2.X1 values in existing loans will not be recalculated automatically. The field will recalculate with the new calculation if the user makes a change to the loan that triggers the Calc All function where Encompass refreshes loan data (assuming the field lock is not locked and is using Encompass system calculations).

Workaround Information:

The following workaround was provided for this production issue and is no longer required for the Encompass 23.3 release and later:

Select Checkbox (LE2.X30): Use Actual Down Payment & Closing Costs Financed.

CBIZ-45760

Electronic Document Management (EDM)

The following updates have been made to the verbiage in the eConsent Agreement borrowers and non-borrowers are required to acknowledge before receiving electronic copies of loan documents.

A sentence in the eConsent Agreement was updated to clarify that fees may be charged if paper copies of documents are required.

“You will also be required to pay a reasonable fee to complete your transaction...”

has been changed to

“You may also be required to pay a reasonable fee to complete your transaction...”

In the How to Withdraw Consent portion of the eConsent Agreement, the name of the Don’t Agree button was incorrectly indicated as “Don?t Agree”. This has been corrected so that the eConsent Agreement now indicates “Don’t Agree”.

DOCP-55218, DOCP-55070

When the first attachment uploaded to a new loan file was a text (.TXT) file, the following message was automatically added to the text file:

The cause of this issue was identified, and the required updates have been made to resolve this issue. This message is no longer added to the uploaded text file, even if it is the first file attached to the loan.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 23.3 and later:

Upload a PDF file to the loan before uploading a TXT file.

DOCP-52936

(Updated on 10/6/2023)

Loan team members utilizing Encompass eClose received an error related to borrower vesting when attempting to send closing documents. If the names in the Borrower Vesting window’s Name and Connected to Borrower Pair fields were different, they would receive an “Error occurred during document processing” error message after proceeding through the eClose workflow to send closing documents. This issue arose when, for example, a middle initial was added to the Borrower Vesting name, but not the connected borrower pair (as shown below). This issue has been resolved. The names in the Borrower Vesting Name and Connected to Borrower Pair fields may be different and this will no longer trigger the document process error when sending closing documents with Encompass eClose.

Update 10/6/2023: The original fix to eClose loans that addresses errors when the Borrower Vesting name differs from the Borrower name entered at the time of application is in the 23.3 release as planned, but with the discovery of two additional use cases, the fatal audit created to alert users will remain in place. Closing Docs users should continue to maintain name consistency by updating the names in the Borrower Name and Borrower Vesting fields. The Encompass update to address the additional changes will be released soon along with the fatal audit.

DOCP-28238

Trade Management

An issue occurred where Encompass did not properly record when a trade was marked as “Void” from the correspondent trade pipeline.

The History section of the Notes/History tab of the correspondent trade was not updated with a “Loan [loan number] is flagged as “voided”.” event.
The Alerts & Messages and Log sections of the loans within the voided correspondent trade was not updated with a “Lock removed from Correspondent Trade by [user]” message.

The Rate Lock Removed from Correspondent Trade option under the Loan Setup>Alerts setting must be enabled to view the messages in the Alerts & Messages and Log sections.

This issue has been resolved and Encompass now properly records a trade voided from the correspondent trade pipeline.

SEC-25181, SEC-25182

Encompass Settings

An issue was resolved that prevented some users from opening the pop-up windows that are accessed by clicking the following Edit icons for Closing Cost Templates and Data Templates used to populate data to the 2015 Itemization:

Line 902 - Mtg Ins. Premium
Line 903 - Homeowner's Ins
Line 1003 - Mortgage Ins.
Line 1004 - Property Taxes
Line 1010 - USDA Annual Fee
This issue also affected the Edit icon for I. Financed Mortgage Insurance in the TOTAL MORTGAGE LOANS section in Data Templates.

Users assigned the Administrator and Super Administrator persona were able to access the pop-up windows, but users with other personas were not able to access the pop-up windows, even though they had the required permission to access the templates. This issue has been resolved and non-administrator personas can now access the Closing Cost Template or Data Template pop-windows listed above.

CBIZ-52822

An issue was resolved that affected loans that had been disclosed with the Intent to Proceed checkbox (field ID 3164) selected. When a Data Template with a Loan Type (field ID 1172) selected was applied to these loans, the following intent to proceed fields were incorrectly cleared on the Loan Estimate Page 1:

Intent to Proceed checkbox (field ID 3164)
Loan Estimate sent on (field ID 3972)
Received Date (field ID 3197)

This issue has been resolved and the fields listed above are no longer cleared when applying a Data Template with a Loan Type (field ID 1172) selected.

CBIZ-46132

Business Rules

An issue was resolved that affected Field Trigger Business Rules that were configured to display the prior value of a field in a pop-up message box when the field value changed. When the business rule was applied to fields with a Lock icon, the message box displayed a blank value when the first change occurred in the field’s value. (The prior value was displayed correctly when subsequent changes were made to the value in the field.) This issue has been resolved and the business rule now correctly displays the prior value in the message box the first time the value changes for the field.

Workaround Description:

The following workaround was provided for this production issue and is no longer required for Encompass 23.3 and later:

Create a Custom field with a calculation for the Encompass Field ID and use the Custom Field to trigger the Business Rule.

CBIZ-53079

An issue was resolved with Personas Access to Fields business rules that were configured to disable access to the Closing Costs from Other Loans (field ID 1851) on forms such as the 1003 URLA Lender, 2015 Itemization, and Construction Management input forms. This issue affected loans that were linked to other loans via the Piggyback Loans tool. For linked Piggyback Loans, a Lock icon displays next to the Closing Costs from Other Loans field.

Previously, when a user who did not have permission to access the field opened a linked loan and then opened a form with the Closing Costs from Other Loans field, the Lock Icon was not disabled. However, the icon would become disabled if a user completed one of the following actions:

The user clicked an editable field on the form.
The user clicked the Lock icon. This would change the lock status of the field (from locked to unlocked or from unlocked to locked) and then disable the Lock icon.

This issue has been resolved and when a user who has been denied access to the field by a Persona Access to Fields business rule opens a form with the field, the Lock icon is now disabled.

CBIZ-52645

In loans where Persona Access to Fields business rules are in place to allow (or prevent) access to specific fields once other specific trigger fields are selected or populated, there was an issue when the borrower and co/borrower positions were moved (i.e., swapped) using the Borrower Pairs tool. After swapping the borrower positions, the Persona Access to Fields rule was applied correctly to the trigger fields, but the other fields that should have been disabled or enabled based on the trigger field being selected were not updated according to the rule. It was not until the loan team member saved changes to the loan or closed and reopened the loan that the business rule would fully execute and the fields impacted by the trigger field would be enabled or disabled accordingly. The Persona Access to Fields rules have been updated to fully execute when the borrower information is swapped.

Workaround Information

The following workaround was provided for this production issue and is no longer required for the Encompass 23.3 release and later:

Clear and then re-select or repopulate the trigger field, then the other fields within the Persona Access to Fields business rule will update for both borrower and co-borrower. Or you can save and close loan, then the re-opening of the loan will cause the Persona Access to Fields business rule to function as expected.

CBIZ-54469

Encompass Input Form Builder

An issue was resolved that caused the Encompass Input Form Builder to freeze sporadically when a user with the Super Administrator persona created a new custom input form, added a Text Box control to the form, and then tried to configure the Field property for the Text Box.

The Super Administrator persona cannot be modified or restricted by users. It is the persona that comes with the admin user ID.

When the user clicked the Field property for the Text Box and then clicked the Ellipse icon (the icon with three dots), the Encompass Input Form Builder would freeze, and the following error messages would display.

This issue has been resolved and the Field Selector window now opens as expected within a few seconds of clicking the Ellipse icon.

Workaround Description

The following workaround was provided for this production issue and is no longer required for Encompass 23.3 and later:

Assign the Administrator persona which does not seem to have any issues.

CBIZ-51402

Fixed Issues for Version 23.3.0.1 Server Patch 1

(Added on 9/26/2023)

This update contains updates to users' Encompass client machines (23.3.0.1) and a Server Patch (server patch 1) that is applied to the Encompass server. The fixed issues below are included in this update.

The client-side update can be controlled manually via the Encompass Version Manager tool. If the tool has been configured to always apply new releases to users’ computers automatically, users will receive this update upon their initial log in of Encompass following the release. The Server Patch included with this release will be applied to the Encompass Server automatically and cannot be controlled manually via the Encompass Version Manager tool.

In Encompass, go to Help > About Encompass in the menu bar to view your Encompass version. Once the upgrade is complete, your new version number will be 23.3.0.1 Server Patch 1.

Update to the Encompass Server (i.e., Server Patch 1) and Client Machines (23.3.0.1)

The Encompass 23.3.0.1 Server Patch 1 release includes the following item. In order for this item to be fully integrated into your Encompass system, both the Server Patch and the client-side update provided with this release must be applied. The Server Patch included with this release is applied to the Encompass Server automatically and cannot be controlled manually via the Encompass Version Manager tool. The client-side update in this release can be controlled manually via the Encompass Version Manager tool. If the tool has been configured to always apply client-side updates to users’ computers automatically, users will receive the client-side updates upon their initial log in of Encompass following the release.

Again, the item listed below will not be fully implemented until both the Server Patch and the client-side updates are applied to your Encompass system.

Field Locks Added to Hazard Insurance and New Supplemental Insurance Field to Ensure Debt-to-Income (DTI) Value Remains Unchanged for Existing Non-Active Loans

(Added on 9/26/2023)

If you are utilizing the Encompass SDK, upgrading to the new SDK package for 23.3.0.1 is required to receive this fix.

New Lock icons have been added to the Supplemental Insurance field (field ID 4947) introduced in Encompass 23.3 and the Hazard Insurance field (field ID 1726) to enable authorized users to enter values manually in these fields or elect to use the system calculated values. For existing non-active loans (based on the loan's Current Status (field ID 1393)) created prior to Encompass 23.3, the Supplemental Insurance field (4947) will now be locked, and the field will be blank/empty. The Hazard Insurance field (1726) will also be locked, and it will retain the value that was entered in the field prior to Encompass 23.3. By retaining this value and using a blank value for Supplemental Insurance, the DTI (field ID 742) will remain unchanged in these loans. This ensures that the DTI does not change (due to a loan save or other action that triggers an automatic recalculation of loan fields) in the loan when supplemental insurance is present after the loan has already been closed. Select the fields' new Lock icons if you elect to un-lock these fields in the future.

The new field locks and the updates described above affect only loans using the URLA 2020 form versions.

CBIZ-55838

Update to the Encompass Client Machines

In addition to the update described above, the following client-side update is applied to users' Encompass client machines (23.3.0.1). This client update can be controlled manually via the Encompass Version Manager tool. If the tool has been configured to always apply new releases to users’ computers automatically, users will receive this update upon their initial log in of Encompass following the release.

(Added on 9/26/2023)

It was discovered that Persona Access to Fields business rules designed to restrict access to certain real estate tax fields were not being applied correctly. Despite rules being configured to prevent specific personas from modifying these fields, users assigned with the personas could still access and modify the following fields:

L268
231
1630
253
254
1628
660
662
1752
USEGFETAX

These fields are located on the Taxes pop-up window accessed by clicking the Property Taxes (field ID 1405) Edit icon on the 1003 URLA - Lender, Rent vs. Own, and USDA Management > Rural Assistance URLA input forms.

This issue has been resolved and Persona Access to Fields business rules are now enforced correctly for these fields.

CBIZ-55890