Release Notes Change Log for Version 18.3

Change Type: Entries removed

Change Date: 5/21/2018

Details: The following entries were removed from the Feature Enhancements page.

• Added New Generate Disclosures Setting to Personas Setting
• Added New Generate Disclosures Setting to Company Details
• Change of Circumstance Options Added to User Groups Settings

Change Type: Updated entry

Change Date: 5/22/2018

Details:  The following entry was updated on the Feature Enhancements page.

Current Entry: 

Updates to the API User checkbox and Verbiage on the User Details Screen (for Use with Supported Encompass Consulting Partners)

In Encompass 18.1, a new API User checkbox was introduced on the User Details screen used by administrators when creating a new Encompass user. The purpose of the API User checkbox is to give Encompass administrators the means to grant a Supported Encompass Consulting Partner access to their company's Encompass instance via Encompass Developer Connect APIs. This checkbox is intended for use with Supported Encompass Consulting Partners only and should not be used for users within your organization. Note that once the consulting Partner and the Encompass administrator complete the required process (described below), the consulting Partner will be recognized as a Supported Encompass Consulting Partner and they will be able to access your company's Encompass instance via the APIs. The administrator will be able to assign the required privileges to this API user just as they would for any other Encompass user. However, this API user will not be able to log into any Encompass instances via the SmartClient.

In Encompass 18.3, the name of the OAuth Client ID field has been changed to API Client ID, and the hover text that displays when you hover your mouse pointer over this field (as well as when you hover the mouse pointer over the API User checkbox) has been updated to clarify the use of these fields (as described above).

In order for a consulting Partner you are working with to become a Supported Encompass Consulting Partner and have access to your company's Encompass instance via the APIs, they must first request an API Key from Ellie Mae by sending an email to this address: EMPro_APIkey@elliemae.com. Once they receive this API Key (which consists of a client ID and client secret) they can provide it to you. At that point, you must create a new user profile for the consulting Partner. Refer to the Add a User help topic for instructions.

Previous Entry: 

Updates to the API User checkbox and Verbiage on the User Details Screen (for Use with Supported Encompass Consulting Partners)

In Encompass 18.1, a new API User checkbox was introduced on the User Details screen used by administrators when creating a new Encompass user. The purpose of the API User checkbox is to give Encompass administrators the means to grant a Supported Encompass Consulting Partner access to their company's Encompass instance via Encompass Developer Connect APIs. This checkbox is intended for use with Supported Encompass Consulting Partners only and should not be used for users within your organization. Note that once the consulting Partner and the Encompass administrator complete the required process, they will be recognized as a Supported Encompass Consulting Partner who can then access the company's Encompass instance via the APIs you have stored in Encompass Developer Connect. These users will be restricted from logging into the company's live Production system via a client machine like a typical user in the organization would.

In Encompass 18.3, the name of the OAuth Client ID field has been changed to API Client ID, and the hover text that displays when you hover your mouse pointer over this field (as well as when you hover the mouse pointer over the API User checkbox) has been updated to clarify the use of these fields (as described above).

In order for a consulting Partner you are working with to use the APIs you have stored in Encompass Developer Connect, they must first request an API Key from Ellie Mae by sending an email to Ellie Mae at this address: EMPro_APIkey@elliemae.com. Once they receive this API Key (which consists of a client ID and client secret) they can provide it to you. At that point, you must create a new user profile for the consulting Partner. Refer to the Add a User help topic for instructions.

Change Type: Entries added.

Change Date: 5/25/2018

Details:

The following entries were added to the Feature Enhancements page:

• Different Fields Used for Lender Name and Address on VA 26-1820 Input Form

• Decimal Amounts Enabled for Stock and Bonds on the 1003 Page 2

• Updates to the Connecticut State Specific Disclosure Information Input Form

• Updates to the Pennsylvania Input Form Disclosure Input Form

• Update to the Tennessee State-Specific Disclosure Information Input Form

• Mapping HMDA 2018 Demographic Information for Non-Primary Borrower Pairs When Importing or Exporting FNMA 3.2 Files

The following entries were added to the Fixed Issues page:

• USDA-RHS Loans Now Display the Correct Loan Type on the Encompass Pipeline

• Ability to Delete Non-VOL Adjustments from Payoff and Payments for the Alternate LE and CD

• Updating the Subject Property State Automatically Updates the Security Interest Address

• All Pool ID Fields Showing on ULDD/PDD Fannie Mae Tab When 2018 DI Used

• Access to Lock Icon for Lender Credits Can Be Controlled Via Business Rules

• Vesting Information Behaving as Expected When Deleting Entries

• Architect and General Contractor Cities Populates Correctly When Selected from Zip Code

Change Type: Entries added.

Change Date: 6/8/2018

Details:

The following entries were added to the Feature Enhancements page:

• Support for Disclosing a Non-Cure, Non-VOL Principal Reduction

• Updates to the New Hampshire State Specific Disclosure Information Input Form

• Reporting LEI Field and Calculate ULI Button Added to HMDA Originated/Adverse Action Tab

The following entries were added to the Fixed Issues page:

• Updated Text in Section 32 HOEPA Input Form Points and Fees Test Section

• Loan files No Longer Freeze When APR Fees Too High

• Update to Product Name for Step-Rate Construction-to-Permanent Loans

• Total Debt Ratio Calculating Correctly for Construction-to-Permanent Loans with Construction Phase of 1 Year or Less

• Loan Limit Updating for Subject Properties in the County of Newport News City, Virginia

• Underwriting Counteroffer Status Can Be Added to the Reporting Database

Change Type: Updated entry

Change Date: 6/11/2018

Details: The following entry on the Feature Enhancements page has been updated.

Current Entry: 

Non-Borrowing Owner File Contacts

A new Non-Borrowing Owner contact type, along with new Add and Delete icons, have been added to the File Contacts tool. An unlimited number of Non-Borrowing Owner file contacts can be added to a loan file. Each contact includes the name, mailing address, phone numbers, email address, and date of birth for the non-borrowing owner. The entry also includes a Vesting Type dropdown list (field ID NBOC0109) with the following options to define the Vesting Type used for the non-borrowing owner on vesting forms:

• Title Only

• Title Only Trustee

• Title Only Settlor Trustee

To Add a Non-Borrowing Owner File Contact:

1. Open a loan, click the Tools tab, and then click File Contacts.
2. In the File Contacts header, click the Add icon.

• A Non-Borrowing Owner section displays in the lower panel.

3. Enter the contact details in the fields provided. Once you type the contact’s first and last name, contact information, and date of birth, and then select a Vesting Type, the Non-Borrowing Owner contact is added to the File Contacts list.

Previous Entry: 

Non-Borrowing Owner File Contacts

A new Non-Borrowing Owner category has been added to the File Contacts tool. An unlimited number of Non-Borrowing Owner file contacts can be added to a loan file. Each contact includes the name, mailing address, phone numbers, email address, and date of birth for the non-borrowing owner. The entry also includes a Vesting Type dropdown list (field ID NBOC0109) with the following options to define the Vesting Type used for the non-borrowing owner on vesting forms:

• Title Only

• Title Only Trustee

• Title Only Settlor Trustee

Change Type: New entry

Change Date: 6/11/2018

Details: The following new entry was added to the Feature Enhancements page.

Fee Variance Worksheet Enhancement for Fee Level Change of Circumstance

The Fee Variance Worksheet has been enhanced with new logic that determines fee by fee (instead of the current disclosure level method) whether a fee variance will impact the LE and CD baseline calculations based on if the changed circumstance occurred for a valid reason or invalid reason. If the reason is valid, the fee amount will be included in the applicable baseline calculation. If the reason is invalid, the fee amount will not be included.

The LE and CD baseline fields are provided in each section of the Fee Variance Worksheet and calculated accordingly for each section:

• Variance between LE and Itemization
• Difference between LE and CD (Disclosed)
• Variance between CD and Itemization

As part of the new Change of Circumstance workflow, each fee variance will be captured with a reason code. There can be only one reason code per fee. If multiple fees make up one line item on the 2015 Itemization, each fee within the line item will be evaluated individually. The reasons that are considered valid or invalid have not changed from earlier versions of Encompass.

Note if a reason for the change of circumstance is not provided, it is considered an invalid reason. This new fee by fee logic is applied only when the new Fee Level Disclosures checkbox (field ID 4461) above the changed circumstance reasons on the Loan Estimate (LE) Page 1 and Closing Disclosure (CD) Page 1 input forms is selected.

Change Type: New entries added

Change Date: 6/15/18

Details: 

The following new entries were added to the Feature Enhancements page:

• eConsent Not Yet Received Alert Updated for Non-Borrowing Owners
• New SDK APIs and Objects to Read and Retrieve Change of Circumstance Alerts, Non-Borrowing Owner Contacts, and Borrower Vesting Records

The following new entries were added to the Fixed Issues page:

• Issue Resolved: Application Error Triggered Upon Loan Save
• Custom ‘Closing’ Milestone No Longer Reset to ‘Completion’ After Upgrading to Next Encompass Version
• Encompass Issue with Microsoft Visual C++ 2015 and Visual C++ 2017 Redistributes Resolved

Change Type: Updated entry

Change Date: 6/15/2018

Details: The following entry on the Feature Enhancements page has been updated.

Current Entry:

New Non-Borrowing Owner File Contacts

The File Contacts tool has been updated to provide an Add icon and a Delete icon to enable users to add (and delete if necessary) a non-borrowing owner file contact. When you click the Add icon, a blank non-borrowing owner contact is added to the end of the File Contacts list. For each non-borrowing owner contact that is added, you can enter their name, mailing address, phone numbers, email address, and date of birth. The Vesting Type dropdown list provided in the non-borrowing owner contact (field ID NBOC0109) lists the following options to define the Vesting Type used for the non-borrowing owner on vesting forms:

• Title Only

• Title Only Trustee

• Title Only Settlor Trustee

Creating a non-borrowing owner file contact automatically populates vesting information for the contact on the Borrower Information – Vesting input form and places the non-borrowing owner in the correct workflow when generating disclosures and closing documents so that they are automatically set up to be sent to the non-borrowing owner file contact.

To Add a Non-Borrowing Owner File Contact:

1. Open a loan, click the Tools tab, and then click File Contacts.
2. In the File Contacts header, click the Add icon.

• A Non-Borrowing Owner file contact is added to the end of the File Contacts list. When you click this file contact, a Non-Borrowing Owner contact record displays in the lower panel.

3. In the lower panel, enter the non-borrowing owner’s name, contact information, vesting type, email address, and date of birth.

Previous Entry: 

Non-Borrowing Owner File Contacts

A new Non-Borrowing Owner contact type, along with new Add and Delete icons, have been added to the File Contacts tool. An unlimited number of Non-Borrowing Owner file contacts can be added to a loan file. Each contact includes the name, mailing address, phone numbers, email address, and date of birth for the non-borrowing owner. The entry also includes a Vesting Type dropdown list (field ID NBOC0109) with the following options to define the Vesting Type used for the non-borrowing owner on vesting forms:

• Title Only

• Title Only Trustee

• Title Only Settlor Trustee

To Add a Non-Borrowing Owner File Contact:

1. Open a loan, click the Tools tab, and then click File Contacts.
2. In the File Contacts header, click the Add icon.

• A Non-Borrowing Owner section displays in the lower panel.

3. Enter the contact details in the fields provided. Once you type the contact’s first and last name, contact information, and date of birth, and then select a Vesting Type, the Non-Borrowing Owner contact is added to the File Contacts list.

Change Type: Updated entry

Change Date: 6/15/2018

Details: The following entry on the Feature Enhancements page has been updated.

Current Entry: 

Vesting Synchronization: Adding a Non-Borrowing Owner to the Borrower Information - Vesting Input Form

After adding a non-borrowing owner in the File Contacts tool, the contact is automatically copied to the Vesting Information section of the Borrower Information - Vesting form. (A minimum of the first name, last name, and vesting type must be provided in the non-borrowing owner file contact record in order for the non-borrowing owner information to copy to the Vesting Information section of the form.) Considering that the disclosures process is driven based on borrower pairs, the non-borrowing owners need to be associated to a borrower pair so they can be included in the disclosure process. By default, Encompass associates the non-borrowing owner from the File Contacts tool to the first borrower pair. You can update this association on the Borrower Information – Vesting form as needed.

To edit the Vesting Information for a non-borrowing owner contact, double-click the contact and then edit the information. Edits to the contact name in the Vesting Information entry are not copied back to the File Contacts tool. Edits to the contact’s date of birth and the Vesting Type are copied back to the File Contacts tool.

As mentioned earlier, prior to Encompass 18.3 a workaround was necessary in which non-borrowing owners were added to a loan as co-borrowers prior to sending eDisclosures, and were then removed from the loan before drawing the closing documents to ensure they were not included on the vesting forms. For existing loans created in earlier versions of Encompass where a non-borrowing owner was added to the file through this workaround, the non-borrowing owner will not be automatically indicated as a Non-Borrowing Owner in the File Contacts tool and they will not be automatically included in the correct workflow when generating disclosures and closing documents (as discussed in the eFolder Support for Non-Borrowing Owners section below). In order to take advantage of these new features, delete the non-borrowing owners from the Borrower Information – Vesting input form that were added using the workaround, and then add them to the loan file via the File Contacts tool as described in the New Non-Borrowing File Contacts section above.

Note that you can still use the Add icon provided in the Vesting Information section of the Borrower Information – Vesting input form to add title-only borrowers to the loan. However, these borrowers will not be automatically included in the correct workflow when requesting eConsent approval and generating disclosures and closing documents, nor will they inherit any of the other new functionality that is now provided for non-borrowing owners starting in Encompass 18.3.

Previous Entry: 

Vesting Synchronization

When a Non-Borrowing Owner file contact is created (as described above), an entry for the contact is added to the Vesting Information section on the Borrower Information - Vesting input form. The name, date of birth, and Vesting Type from the contact are copied to the Vesting Information entry. A Vesting Type must be selected for the File Contact in order to copy the Vesting Type to the Vesting Information. Edits to the Vesting Information entry are not copied back to the File Contact tool.

Change Type: Updated entry

Change Date: 6/15/2018

Details: The following entry on the Feature Enhancements page has been updated.

Current Entry: 

eFolder and Disclosure Tracking Tool Support for Non-Borrowing Owners

Updates have been made to the electronic document management features in the eFolder to enable Encompass users to select non-borrowing owners as recipients on the Send windows for the following features in the Encompass eFolder:

• Requesting eConsent

• Requesting documents

• Sending eDisclosure packages

• Sending files to a borrower of partner

• Sending Status Online updates to borrowers or partners

Additionally, the tracking records created in the Disclosure Tracking tool for eConsent requests and eDisclosure packages will include the non-borrowing owners. In addition to loans originated in Encompass, the non-borrowing owner updates in the Disclosure Tracking tool take into consideration loans originated from Encompass WebCenter and Encompass Consumer Connect websites.

• Disclosure Details – Details Tab – The Details tab in the Disclosure Details window that provides tracking information about specific disclosure entries has been updated for loans with at least one non-borrowing owner. For these types of loans, a new Select Disclosure Recipient dropdown list is provided at the top of the window where you can select the borrower(s) or non-borrowing owner(s) for the loan to view their disclosure tracking information. (This dropdown is provided for Loan Estimate and Closing Disclosure tracking entries.) The borrower(s) or borrower pairs for the loan are listed first, followed by the non-borrowing owner(s), in the dropdown list. When a non-borrowing owner is selected, the right panel displays information about how and when the non-borrowing owner received disclosures.

• Disclosure Details - eDisclosure Tracking tab – Like the Details tab, the eDisclosure Tracking tab now also includes a new Select Disclosure Recipient dropdown list for loans with non-borrowing owners. For these types of loans, you can select the borrower(s) or non-borrowing owner(s) for the loan from this dropdown to view the dates when the loan party took action on the selected eDisclosure package and details about the latest eDisclosure Fulfillment Service package that was printed and sent to the borrower(s) or non-borrowing owner(s) (if applicable). (This dropdown is provided for Loan Estimate and Closing Disclosure tracking eDisclosure entries.) The borrower(s) or borrower pairs for the loan are listed first, followed by the non-borrowing owner(s), in the dropdown list. When a non-borrowing owner is selected, the pertinent dates the non-borrowing owner took action are displayed.

• eConsent Status - The eConsent date (field ID 3983) in the Compliance Timeline is automatically populated when all the parties of the Send eConsent Request have accepted the eConsent agreement. This field logic now includes non-borrowing owners who have accepted the eConsent agreement. To view the eConsent status of the loan parties, click the Lookup icon (magnifying glass) next to the eConsent date field. The Status for non-borrowing owners in the loan is now included in the eConsent Status window. (Before borrowers can receive loan documents electronically, they must review and accept the eDisclosures Agreement. Borrowers, and now non-borrowing owners, can then grant or decline the eConsent request. Once they accept and return the eDisclosures Agreement, the eConsent Status field is set to Accepted.)

Previous Entry: 

eFolder Support for Non-Borrowing Owners

Updates are being made to Encompass Electronic Document Management features to enable Encompass users to select non-borrowing owners as recipients on the Send windows for the following features in the Encompass eFolder:

• Requesting eConsent

• Requesting documents

• Sending eDisclosure packages

• Sending files to a borrower of partner

• Sending Status Online updates to borrowers or partners

Additionally, tracking records are being created in the Disclosure Tracking tool for eConsent requests and eDisclosure packages sent to non-borrowing owners.

Change Type: New entries added

Change Date: 6/19/18

Details: 

The following new entry was added to the New Features and Forms page:

• Added New Configurable Workflow Templates Setting

The following new entries were added to the Feature Enhancements page:

• Added New Borr/Lender Paid Field to Lock Request Form and Lock Request Snapshot
• Updated Behavior of Borrower/Lender Paid Field on LO Compensation Tool During Lock Confirmation

The following new entry was added to the Fixed Issues page:

• Duplicate Commitment Numbers No Longer Generated When Simultaneously Saving Correspondent Trades in Two Instances of Encompass

Change Type: New entries added

Change Date: 6/21/18

Details: 

The following new entries were added to the Feature Enhancements page:

• New Section Added to 2015 Itemization to Display Construction Post-Consummation Fees

• Post-Consummation Finance Charges Included in the Finance Charge Calculations for APR

• Updates to the 2015 Itemization Fee Details Window for Six Lender/Seller-Obligated Fees

The following new entry was added to the Fixed Issues page:

• Borrower Name Displays in “Title Will Be Held” Field for WebCenter Loans

• Change in Logic for Indicating First Time Homebuyers for FHA, VA, and Conventional Loans

Change Type: This document has been converted from the Encompass 18.3 Release Preview to the Encompass 18.3 Release Notes. These release notes are still subject to change prior to the official Encompass 18.3 major release which is currently scheduled to be available to all clients by August 4, 2018.

Change Date: 6/21/18

Change Type: New entries added

Change Date: 6/27/2018

Details: The following new entries have been added to the New Features & Forms page and the new Feature Enhancements page.

• New Printed Output Forms

• Printed Output Forms Migrated to the Encompass Docs Solution

• Option to Base Escrowed Property Costs on Closing Date or First Payment

• AP Table Updated for Construction and Construction-to-Permanent Loans Using Method A

• Updates to the Loan Terms Table for Construction and Construction-Perm Loans

• Update to Projected Payments Table Escrow for Some Construction to Permanent Loans

• Rounding Update for VA Recoupment Costs

• Field Added to TPO Information Tool to Indicate Issuer of the Loan Estimate

The following new entries have been added to the Fixed Issues page.

• Net Rental Income Included in Annual Household Income on USDA Management Form

• New Commitment Expiration Date Field on Some State Specific Disclosure Information Forms

• First Mtg P&I Recalculates When Construction Period Added to or Removed from Loan Terms

• Update to ARM Index Type dropdown List

• Default 5% Conventional Interest Rate in the FHA Informed Consumer Choice Disclosure Setting

• Reserves Amount Now Populating Correctly

• Closing Costs Expiration Text and Time Now Generating Correctly

• FHA Informed Consumer Choice Disclosure Notice Data Importing Properly from FNMA 3.2 Files

• Issues Resolved with Additional ARM Description When Fannie Mae ARM Index Selected

Change Type: Entries updated

Change Date: 6/27/2018

Details: Updates were made to the following entries on the Feature Enhancements page to provide additional details:

• Updated Total Payments Disclosure Calculations

• Disclosing a Tolerance Cure as a Principal Reduction or Lender Credit

• Prepaid Property Taxes and Other Fees Can Now Be Considered Charges that Can Change

• Closing Disclosure Escrow Calculations to Include Mortgage Insurance and USDA Annual Fee

• Support for Construction Loan Post-Consummation Fees

Change Type: Entry updated

Change Date: 7/3/2018

Details: Links to a quick reference guide and video tutorial were added to the Disclosing to Non-Borrowing Owners entry on the Feature Enhancements page.

Change Type: New entry

Change Date: 7/3/2018

Details: The following entry was added to the Fixed Issues page.

Closing Costs Expiration Date Now Generating Correctly on Output Forms

An issue was resolved that caused the date, time, and time zone for the Closing Costs Estimate Expiration Date (field IDs LE1.XD28, LE1.XD8, and LE1.XD9) to not update correctly on the output form when changes were made on the input form under the following conditions:

• The Intent to Proceed checkbox (field ID 3164) was not selected.

• And user clicked the Lock icon next to one of the Closing Costs Estimate Expiration Date fields and manually updated the field value.

This issue has been resolved and the values are now being properly updated under the conditions described above.

CBIZ-17890

Change Type: New entry

Change Date: 7/5/2018

Details: The following entry was added to the Fixed Issues page .

User Without Proper Permission Can No Longer Unlock the Required Cure Amount Via the Good Faith Fee Variance Resolution Alert Window

An issue was resolved that resulted in Encompass users being able to edit the Required Cure Amount (field ID FV.X348) by clicking the Lock icon for the field, even when a Persona Access to Fields business rule had been configured to deny the user access to the Lock icon (field ID LOCKBUTTON_FV.X348). This scenario would occur only when a Good Faith Fee Variance Violated alert displayed. When the user clicked the Cure Variance button on the alert window and the Good Faith Fee Variance Resolution pop-up window opened, the user was able to click the Lock icon and edit the field. This issue has been resolved and users without permission are no longer able to click the Lock icon and edit the Required Cure Amount when responding to a Good Faith Fee Variance Violated alert.

NICE-11147

Change Type: New entry

Change Date: 7/5/2018

Details: The following entry was added to the Fixed Issues page.

Consumer Connect Site dropdown List Can Display More than 100 Consumer Connect Websites

Previously, when a company utilized more than 100 Encompass Consumer Connect websites, the Consumer Connect Site dropdown list in the User Details window displayed a maximum of only 100 sites. This issue has been addressed and the full list of Consumer Connect Sites URLs is now available for user selection. The User Details window is accessible by double-clicking a user in the Enabled Users list in the Organization/Users setting (Encompass > Settings > Company/User Setup > Organization/Users).

NICE-10612

Change Type: New section

Change Date: 7/11/2018

Details: A new Fixed Issues for Version 18.3.0.1 Server Patch 1 section has been added to the Fixed Issues page.

Change Type: New entries

Change Date: 7/11/2018

Details: The following entries were added to the Feature Enhancements page.

• Investor Services Option on the Pipeline Menu Renamed GSE Services

• Personas Setting Updates to Support the GSE Services Pipeline Option

Change Type: Entry updated

Change Date: 7/11/2018

Details: An update was made to the New Non-Borrowing Owner File Contacts entry to describe the closing disclosure documents sent to non-borrowing owners and to add the following note:

In Encompass 18.3 and later, it is important to always add non-borrowing owners via the File Contacts tool. When a non-borrowing owner is added via the Borrower Information - Vesting form, the eFolder functionality is disabled for the borrower.

Change Type: New entry

Change Date: 7/12/2018

Details: The following entry was added on the Feature Enhancements page:

Updates to the Barcodes on Encompass Output Forms

The barcodes that display on output forms generated by Encompass have been updated to store additional metadata. All forms continue to display a single barcode image, with the exception of the Loan Estimate and Closing Disclosure output forms, which now display three barcode images to enable the inclusion of the additional metadata within the limited space available at the bottom of the form.

DND-546

Change Type: Entry updated

Change Date: 7/12/2018

Details: An update was made to the Update to ARM Index Type dropdown List entry on the Fixed Issues page to remove the reference to the ARM Index Type dropdown (field ID ULDD.FNM.ARMIndexType) on the Fannie Mae tab on the ULDD/PDD input form.

Change Type: New section

Change Date: 7/16/2018

Details: A Title and Closing Service Updates section was added on the Feature Enhancements page:

Change Type: Entry updated

Change Date: 7/16/2018

Details: The Encompass SDK content for the 18.3.0.1 Server Patch 1 update on the Fixed Issue page has been updated.

Change Type: Entry updated

Change Date: 7/18/2018

Details: Corrections were made to the field ID numbers for the LE Baseline and CD Baseline fields in the Prepaid Property Taxes and Other Fees Can Now Be Considered Charges that Can Change entry and to the name of the Non-Escrowed property costs within 1 year field in the Option to Base Escrowed Property Costs on Closing Date or First Payment Date entry on the on the Feature Enhancements page.

Change Type: New section

Change Date: 7/20/2018

Details: A new Fixed Issues for Version 18.3.0.2 section has been added to the Fixed Issues page.

Change Type: Entry updated

Change Date: 7/20/2018

Details: Updates were made to the Change in Logic for Indicating First Time Homebuyers for FHA, VA, and Conventional Loan entry on the Fixed Issues page.

Previous entry:

Change in Logic for Indicating First Time Homebuyers for FHA, VA, and Conventional Loans

Updates have been made in the way the First-Time Homebuyer (field ID 934) is populated for FHA, VA, and Conventional loans. Previously, Yes would be populated in the First-Time Homebuyer field when one or more of the borrowers (across all borrower pairs) entered N in the declaration for ownership or interest in a property field (field IDs 403 or 1108). Now Yes is populated in the First-Time Homebuyer field only when all of the borrowers (across all borrower pairs) entered N in the ownership or interest in a property field (field IDs 403 or 1108).

CBIZ-10907

Updated Entry:

Change in Logic for Indicating First Time Homebuyers for FHA, VA, and Conventional Loans

Updates have been made in the way the First-Time Homebuyer (field ID 934) is populated for FHA, VA, and Conventional loans. Previously, Yes would be populated in the First-Time Homebuyer field only when all of the borrowers (across all borrower pairs) entered N in the ownership or interest in a property field (field IDs 403 or 1108).Now Yes is populated in the First-Time Homebuyer field when one or more of the borrowers (across all borrower pairs) entered N in the declaration for ownership or interest in a property field (field IDs 403 or 1108).

The updated logic does not apply to HELOC or USDA loans.

Change Date: 7/22/2018

Details: The following entry on the Fixed Issues page has been removed from the release notes. This fix is not included in the Encompass 18.3 Major Release. It will be addressed in a future Encompass release.

The Correct Field Operators Now Provided When Using the Loan Created Date Field as Filter in Reports Tool

Using the Filters tab in the Reports tool, you can indicate a loan field to use as a filter and search for data within the reports that matches the field and the selected operator. An issue occurred when using field 2025 (Loan Created Date) as a filter. When setting the operator for the field, it was discovered that the operators listed in the dropdown list were not applicable to field 2025 (i.e., a date field). This issue has been resolved and the operators listed here are now applicable to this date field.

Change Type: Entry added

Change Date: 7/23/2018

Details: A new Rounding No Longer Used for Guarantee Fee Financed and PMI/MIP Financed entry was added to the Fixed Issues page.

Change Type: Entry updated

Change Date: 7/23/2018

Details: Updates were made to note in the Default 5% Conventional Interest Rate in the FHA Informed Consumer Choice Disclosure Setting entry on the Fixed Issues page.

Previous entry:

Default 5% Conventional Interest Rate in the FHA Informed Consumer Choice Disclosure Setting

The default interest rate in the column for conventional financing in the FHA Informed Consumer Choice Disclosure setting (Encompass > Settings > Loan Setup > FHA Informed Consumer Choice Disclosure) has been set to a default value of 5%. Prior to the Encompass 18.3 release, the default value was set at 100%.

This update will not affect the FHA Informed Consumer Choice Disclosure setting if you have already customized the setting with a rate other than 100%.

CBIZ-17195

Updated Entry:

Default 5% Conventional Interest Rate in the FHA Informed Consumer Choice Disclosure Setting

The default interest rate in the column for conventional financing in the FHA Informed Consumer Choice Disclosure setting (Encompass > Settings > Loan Setup > FHA Informed Consumer Choice Disclosure) has been set to a default value of 5%. Prior to the Encompass 18.3 release, the default value was set at 100%.

This update will not affect the FHA Informed Consumer Choice Disclosure setting if you have already customized the setting.

CBIZ-17195

Change Type: Entry added

Change Date: 7/24/2018

Details: A new Updated Compliance Services Menu entry was added to the Feature Enhancements page.

Change Type: Entry added

Change Date: 7/25/2018

Details: A new Only Numeric Characters in Authentication Codes for eFolder Requests and Packages entry was added to the Feature Enhancements page.

Change Type: New section added

Change Date: 7/26/2018

Details: A new Fixed Issues for Version 18.3.0.3 section was added to the Fixed Issues page.

Change Type: Entry updated.

Change Date: 7/27/2018

Details: The following update was made in the Support for Disclosing a Non-Cure, Non-VOL Principal Reduction section on the Feature enhancements page, in the first sentence in the seventh bullet in the Standard Disclosure section:

Previous Entry:

When the POC checkbox is selected, the Adjustment Amount field is cleared and the Adjustment Description field includes the words Principal Reduction followed by the loan amount, the letters P.O.C., and the Paid By selection.

Updated Entry:

When the POC checkbox is selected, the Adjustment Amount field is cleared and the Adjustment Description field includes the words Principal Reduction followed by the principal reduction amount, the letters P.O.C., and the Paid By selection.

Change Type: Entry updated.

Change Date: 7/27/2018

Details: The following note was added to the AP Table Updated for Construction and Construction-to-Permanent Loans Using Method A entry on the Feature Enhancements page to clarify the behavior of calculations for existing construction loans that have been disclosed prior to upgrading to Encompass 18.3.

When updating to Encompass 18.3, if an existing construction loan using Method A has already been disclosed, the fields for Interest Only Payments? (field ID CD4.X23), First Change/Amount (field ID CD4.X30), Subsequent Changes (field ID CD4.X33), Maximum Payment (field ID CD4.X34), and the number of interest-only payments (field ID CD4.X46) are locked and are not updated.

Change Type: Entry updated.

Change Date: 8/3/2018

Details: Updates were made to the Mapping HMDA 2018 Demographic Information for Non-Primary Borrower Pairs When Importing FNMA 3.2 Files entry on the Feature Enhancements page to remove references to exporting data to FNMA files. This features only applies to imports from FNMA files.

Change Type: New entries added for 18.3.0.4 update.

Change Date: 8/3/2018

Details: The following new sections were added to the Encompass 18.3 release notes:

• A new New Features & Forms for Version 18.3.0.4 section was added to the New Features and Forms page.

• A new Feature Enhancements for Version 18.3.0.4 section was added to the Feature Enhancements page.

• A new Fixed Issues for Version 18.3.0.4 section was added to the Fixed Issues page.

Change Type: Entry updated.

Change Date: 8/6/2018

Details: A note was added to the First Mtg P&I Recalculates When Construction Period Added to or Removed from Loan Terms entry on the Fixed Issues page to clarify the behavior of first and second mortgage P&I data in existing loans when upgrading to Encompass 18.3.

Change Type: Entry updated.

Change Date: 8/8/2018

Details: Updates were made to the County Loan Limit Field Now Updating as Expected for Subject Properties in the County of Newport News City, Virginia entry on the Fixed Issues page to remove the reference to the FHA

Previous Entry:

Loan Limit Updating for Subject Properties in the County of Newport News City, Virginia

An issue was resolved that resulted in the Loan Limit (field ID 3331) not updating correctly on the Qualification tab on the ATR/QM Management input form when Newport News City or Newport News CI was entered as the county for a subject property in the state of Virginia. This issue was caused by a discrepancy in the county names used in the Encompass county table and the FHA county table. This issue has been resolved and the Loan Limit field is now updating correctly.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 18.3 and later.

• On the Section 35 HPML input form, click the Lock icon for the Loan Limit (field 3331) and manually enter the value.

CBIZ-16079

Updated Entry:

County Loan Limit Field Now Updating as Expected for Subject Properties in the County of Newport News City, Virginia

An issue that resulted in the Loan Limit (field ID 3331) not updating correctly on the Qualification tab on the ATR/QM Management input form when Newport News City or Newport News CI was entered as the county for a subject property in the state of Virginia has been resolved. These county names have been added to the Encompass county table used for conventional loans to ensure that the Loan Limit field is now populated accordingly.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 18.3 and later.

• On the Section 35 HPML input form, click the Lock icon for the Loan Limit (field 3331) and manually enter the value.

CBIZ-16079

Change Type: Entry added

Change Date: 8/8/2018

Details: A new Prompt When Co-Borrower Email Missing on eDisclosures and eFolder Requests entry was added to the Fixed Issues page.

Change Type: Entry updated.

Change Date: 8/8/2018

Details: The Investor Services Option on the Pipeline Menu Renamed GSE Services entry on the Feature Enhancements page has been re-named and updated.

Current Entry:

Investor Services Option on the Pipeline Menu Renamed to GSE Services

The name of the Investor Services menu option on the Pipeline menu in Encompass has been changed to GSE Services. All of the export options that previously existed under the Investor Services category prior to Encompass 18.3 continue to exist under the new GSE Services category. (The Deliver Data to Wells Fargo Funding option is no longer provided in this GSE Services category.) Users who were previously granted persona rights to the Investor Services category in prior versions of Encompass will now continue to have the same access rights under the new GSE Services category.

Previous Entry:

Investor Services Option on the Pipeline Menu Renamed to GSE Services

The name of the Investor Services category on the Pipeline menu in Encompass has been changed to GSE Services. All the export options that previously existed under the Investor Services category continue to exist under the GSE Services category. Users who were previously granted prior persona rights under the Investor Services category will continue to have the same rights under the GSE Services category.

Change Type: Entry updated.

Change Date: 8/8/2018

Details: The Personas Setting Updates to Support the GSE Services Pipeline Option entry on the Feature Enhancements page has been re-named and updated.

Current Entry:

Personas Setting Updates to Support the GSE Services Pipeline Menu Options

In the Pipeline Tasks section on the Pipeline tab in the Personas setting, the Investor Services checkbox used in prior versions of Encompass has been renamed to GSE Services. All export options that were previously listed under the Investor Services checkbox prior to Encompass 18.3 are now listed under the GSE Services checkbox in the Personas setting.

When you click the Manage Pipeline Services link in the Pipeline Tasks section to open the Pipeline Services Categories pop-up window, the Investor Services checkbox that was used in prior versions of Encompass has also been renamed to GSE Services. This option now controls access to the GSE Services category on the Pipeline menu.

Previous Entry:

Personas Setting Updates to Support the GSE Services Pipeline Option

In the Pipeline Tasks section on the Pipeline tab in the Personas setting, the existing Investor Services checkbox has been renamed GSE Services. All exports options that previously listed under the Investor Services checkbox prior to Encompass 18.3 are now listed under the GSE Services checkbox.

When you click the Manage Pipeline Services link in the Pipeline Tasks section to open the Pipeline Services Categories pop-up window, the Investor Services checkbox has also been renamed GSE Service in the pop-up window. This option now controls access to the GSE Services category on the Pipeline menu.

A new Investor Services checkbox has been added to the Persona setting to access to the new Investor Services category on the Encompass Pipeline.

Existing personas with access to all features will not have the new Investor Services persona right enabled. Administrators must enable the option to provide existing personas with access to this option, which includes the Wells Fargo Funding service.

Change Type: Entry updated.

Change Date: 8/8/2018

Details: The New Investor Services Category entry on the Feature Enhancements page was re-named and updated.

Current Entry:

New Investor Services Category Added to Pipeline Menu

A new Investor Services category has been added to the Pipeline menu to provide access to the Deliver Data to Wells Fargo Funding service. Authorized Encompass users can access the service by selecting and right-clicking one or more loans on the Encompass Pipeline, pointing to Investor Services on the Pipeline menu, and then clicking Deliver Data to Wells Fargo Funding. You can also select one or more loans, and then click Pipeline > Investor Services > Deliver Data to Wells Fargo Funding.

Please note that this Investor Services category is not enabled by default for users in Encompass 18.3.0.4. Encompass administrators must configure access to this menu category in the Personas setting. To configure access to this category, administrators must navigate to the Personas setting, click the Pipeline tab, and then select the new Investor Services option in the Pipeline Services section of the tab.

Please refer to the Investor Services Category on the Pipeline Menu Renamed to GSE Services entry above for more information. In earlier versions of Encompass, an Investor Services category was provided in the Pipeline menu. However, it was renamed to GSE Services in Encompass 18.3 and now this new Investor Services category has been added to the Pipeline menu in Encompass 18.3.0.4 to provide authorized users with access to the Deliver Data to Wells Fargo Funding service. In addition, the Investor Services option provided in the Personas setting prior to Encompass 18.3 has also been renamed to GSE Services.Therefore, administrators must use the new Investor Services option provided in the Personas setting to grant users access to the new Investor Services category in the Pipeline menu.

Previous Entry:

New Investor Services Category

A new Investor Services category has been added to the Pipeline menu to provide access to the Deliver Data to Wells Fargo Funding service. Authorized Encompass users can access the service by selecting and right-clicking one or more loans on the Encompass Pipeline, pointing to Investor Services on the Pipeline menu, and then clicking Deliver Data to Wells Fargo Funding. This option is not enabled by default for Encompass users. Encompass administrators must configure access to this menu option in the Personas setting.

Change Type: Entry updated.

Change Date: 8/10/2018

Details: The note in the New Section Added to 2015 Itemization to Display Construction Post-Consummation Fees section on the Feature Enhancements page was updated.

Current Entry:

Because these fees are not collected at closing, they do not impact Cash to Close calculations on the Loan Estimate and Closing Disclosure. They are included in the total of payments and APR calculations and are subject to tolerance depending on the category in which they are disclosed.

Previous Entry:

The fees in this section do not affect any Closing Disclosure sections or calculations.

Change Type: Entry added.

Change Date: 8/15/2018

Details: A new Updates to the eFolder Send Windows for eConsent, Documents Requests, and eDisclosures section was added to the Feature Enhancements page.

Change Type: Entry updated.

Change Date: 8/16/2018

Details: The following note was added to the eFolder and Disclosure Tracking Tool Support for Non-Borrowing Owners entry on the Feature Enhancements page to clarify the behavior of Closing Disclosures sent to non-borrowing owners on rescindable loans.

On rescindable transactions, all parties, including non-borrowing owners, receive separate copies of the Closing Disclosure.

Change Type: Entry updated.

Change Date: 9/7/2018

Details: The Updates to the Disclosure Language for Principal Reductions entry on the Fixed Issues page describes updates made to the disclosure language used on the standard and alternate versions of the Closing Disclosure Page 3 for principal reductions for both cure and non-cure principal reductions on a loan. In the area of this entry that discusses the alternate version of the CD Page 3, the verbiage in the CD Page 3 Comments column (row 1 and row 3) has been updated to match the verbiage displayed on the alternate version of the CD Page 3 input screen in Encompass 18.3.

Current Table: 

Alternate Version

For the alternate version of the disclosure, the non-VOL entry description displays in the Payoff and Payments pop-up window. The example text below shows a reduction amount of $500 paid by the lender.

** An adjustment amount of $500 displays in the Payoff and Payments pop-up window.

Previous Table: 

Alternate Version

For the alternate version of the disclosure, the non-VOL entry description displays in the Payoff and Payments pop-up window. The example text below shows a reduction amount of $500 paid by the lender.

** An adjustment amount of $500 displays in the Payoff and Payments pop-up window.