Encompass 25.3 Release Notes - Broker Edition

Encompass 25.3 Major Release
(Version 25.3.0.0/25.3.0.1 Server Patch 1)

These are the release notes for the Encompass 25.3 Major Release. They include a high-level overview of feature and form enhancements and fixed issues, followed by more detailed information and instructions where appropriate.

These release notes also provide information about the 25.3.0.1 Server Patch 1 release that was made available on August 9, 2025 to address issues discovered during testing.

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

This Encompass 25.3 Major Release will be applied to your users' computers automatically and cannot be controlled manually via the Encompass Version Manager tool. Users will receive the update upon their initial log in of Encompass following the release.

Please refer to the Major Release announcement you received from ICE Mortgage Technology for the planned release date. You can review these announcements on your My Messages page in the Resource Center. ( Click here for more information.)

Additional Resources:

  View the PDF version

Release Highlights

Highlights of this release include the following:

  • New Option to Keep Subordinate HELOC Open After Pay Off - Encompass 25.3 now supports the scenario where an existing subordinate HELOC is being paid off with a refinanced first mortgage, but the subordinate HELOC is to be left open.

  • Update to the LTV Factor of FHA Maximum Mortgage for Cash Out Refinance Transactions - On the FHA Management input form's Prequalification tab, the system calculation for MORNET.X42 has been updated to use 80% as the maximum LTV/CLTV for cash out refinance loans. Previously, this field was calculated using 85% of the LTV factor.

  • New eSign Provider: eSign Events - eSign Events is now used for eSigning for all electronic documents in all environments. Docusign is no longer available for use in Encompass.

  • New Prompt to Reassign Loans Before Deleting User from TPO Company Added to External Company Setup Company Details - Prior to deleting a user with a Loan Officer and/or Loan Processor persona from a Third Party Originator on the External Company Setup Company Details main screen, a prompt will be displayed that allows loans to be reassigned from the soon-to-be deleted user to another user.

  • Coming Soon: Update to Address Issue with the Encompass Password Policy - The Force user to change password option and the password expiration policy in Encompass were not being honored in certain applications and users were permitted to log in with their expired Encompass password. In the Encompass 25.4 release currently targeted for November 2025, this issue will be addressed. This may result in many users being blocked from logging into their application until they change their password as soon as their company upgrades to Encompass 25.4 in Production environments. To help reduce the number of users who will be required to change their password when Encompass 25.4 is released, administrators can notify intended users now to proactively change their password prior to the Encompass 25.4 release.

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System Requirements for Encompass

Have you reviewed the latest System Requirements?

Before downloading or applying this new Encompass release, it is important to verify the latest system requirements for Encompass client machines. Please review the System Requirements for Encompass to ensure your environment meets the requirements needed to operate Encompass successfully.

Install Files and Downloads

Visit the Encompass SDK and Other Install Files page to access the latest download links to common tools, including eFolder print drivers and the Encompass Document Converter.

 

Next Section: Feature Enhancements