Release Notes Change Log for Version 18.4

Change Type: New entry

Change Date: 8/21/2018

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

Access to All Loans in the Same Level Setting Now Functions Correctly

An issue occurred where the Access to all loans in the same level setting in the User Details setting was not functioning correctly. If an internal Encompass user was listed as a “TPO Sales Rep” or “Account Executive” on an External Organization, that user had access to all loans associated with that TPO company. If another Encompass user account was placed within the same internal company Organization folder, the second user had access to the same TPO company loans even though that user was not a “TPO Sales Rep” or “Account Executive” with any TPO company and the Access to all loans in the same level setting was disabled. This issue has been resolved and if the Access to all loan in the same level setting is disabled, a user cannot access TPO company loans associated with the other Encompass user accounts within the same Organization folder.

SEC-13490

Change Type: Entry updated

Change Date: 8/21/2018

Details: More detailed information has been added to the Enhancements to Support HELOC Loans section on the Feature Enhancements page.

Change Date: 8/29/2018

Details: The Added New TPO Global Lender Contacts Setting entry was updated on the New Features and Forms page.

All references to "Company Contacts page" has been updated to "Lender Key Contacts widget".

Change Date: 8/29/2018

Details: The Added New Lender Contacts Tab to the Company Details Setting entry was updated on the New Features and Forms page.

All references to "Company Contacts page" has been updated to "Lender Key Contacts widget".

Change Date: 9/7/18

Change Type: Entries added and updated

Change Date: 9/7/2018

Details: The following entries were added or updated.

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

• Calculating New HELOC Qualifying Payment

• Calculating New HELOC Initial Payment

• Updates to the Piggyback Loan Tool for HELOC Loans

• New HELOC Teaser Rate Period Field and Updated Introductory Rate Period Calculation for HELOC Loans

• HELOC Initial Advance Field Added to Borrower Summary Input Forms

• Updates to the Subordinate Financing Pop-up Window

• Calculating Combined Loan-to-Value Ratios (CLTV, HCLTV) with Subordinate Financing

• Calculating Closed End Primary Mortgage Total

• Calculating the Closed End Subordinate Mortgage Total

• Calculating Total Open End (HELOC) Drawn Amounts

• Calculating HELOC Line Total

• Calculating Existing Liens to Be Paid Off

• Fields Added to Verification of Liability

• Additional Fields Added to VOLs to Support Subordinate Financing

• Updated Workflow for Entering Non-Occupant Co-Borrower Housing Expenses

• Updated Logic for Populating the HMDA Reporting Year and Demographic Information

• New HMDA Census Tract and HMDA County Code Fields

• Updated Income Calculation for Borrower Pairs on USDA Loans

• Updates to the Introductory Rate Period Calculation for ARM and Construction-to-Permanent Loans

• Updates to the FMNA Streamlined 1003 Input Form

• Updates to eConsent Process to Check for External eConsent via Encompass Developer Connect

• Change of Circumstance Options Added to User Groups Settings

• Additional Button Access Options Added to the Persona Access to Loan Actions Business Rule Setting

• System Performance Enhancements

The following entries were updated on the Feature Enhancements page:

• The Electronic Document Management entry for Configurable eSigning Order for eDisclosures was updated with a procedure section, In addition, the words “and Louisiana” were removed from the entry. By default, the option is now enabled for South Carolina only.

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

• Able to Send Consent Requests to Co-Borrowers with No Email Address

• Updates to the Wording on the eDisclosure Agreement

• eSigning Supports Hyphenated Names

• Application Error Triggered After Tying eFolder Documents to ATR/QM Data Has Been Addressed

• Current Finance Charge No Longer Clears When Synced with the Piggyback Loans Tool

• 203H Option Now Functions Properly When Selected from the SOA dropdown List on a Custom Form

• Updated Behavior for Total Payoffs and Payments on the Alternate Closing Disclosure Page 3

• Lock Icon Added to Initially Payable to Your Institution Field

• Total Interest Percentage (TIP) Now Rounding Up for Four-Decimal Values Ending in 5

• Estimated Prepaid Items Now Excluded from the Refinance Cash Out Amount

• Late Fee Rounding

• Total Pay Calculating Correctly on the VA 26-6393 Loan Analysis Input Form for Decisioned Loans

• Update to Address Race Condition Issue That Occurs Between Loan Open and Loan Lock Operations

• New DLL Files Added to Encompass SDK Installer Package

Change Date: 9/11/2018

Details: The following update was made to the wording in the last sentence in the first paragraph of the Electronic Document Management entry for Configurable eSigning Order for eDisclosures :

Previous wording:

• By default, the option is enabled for South Carolina only.

Current wording:

• By default, no states are selected.

Change Date: 9/11/2018

Details: The following update was made to the description of the HCLTV calculation in the Government (FHA, VA, or USDA) section in the Calculating Combined Loan-to-Value Ratios (CLTV, HCLTV) with Subordinate Financing entry on the Feature Enhancements page.

Previous entry:

• HCLTV – The sum of the Closed End Primary Mortgage Total (field ID 427), the Closed End Subordinate Mortgage Total (field ID 428), and the Total Open End (HELOC) Draw Amounts (field ID CASASRN.X167) divided by the valuation used.

Current entry:

• HCLTV – The sum of the Closed End Primary Mortgage Total (field ID 427), the Closed End Subordinate Mortgage Total (field ID 428), and the Total Open End (HELOC) Credit Limit (field ID CASASRN.X168) divided by the valuation used.

Change Date: 9/11/2018

Details: The following note was added to the Total Ratios for Subject Property section in the Updates to the Subordinate Mortgage Loan Amounts Pop-up Window entry on the Feature Enhancements page.

For clients using the Encompass Product and Pricing Service (EPPS) to price HELOC loans, Ellie Mae recommends that the loan be priced within EPPS, but manually locked in Encompass due to a potential conflict with CLTV on HELOC loans imported into Encompass from EPPS. This issue is scheduled to be addressed in the Encompass Product and Pricing Service 19.1 release.

Change Date: 9/13/2018

Details: The following entry was removed from the Feature Enhancements page in these release notes. This feature enhancement will not be included in the Encompass 18.4 major release.

System Performance Enhancements

The following updates have been applied to Encompass to help ensure improved system performance on users’ client workstations:

• Filter Archived Loans: Authorized users can now filter archive loan folders within the Pipeline. By excluding loans stored in folders indicated as Archive, the Pipeline can load faster since fewer loan files are being included. By default, loans located in archive loan folders are not included in your Pipeline views and the <Archive> option will not be listed in the Loan Folder dropdown list at the top of the Pipeline. Even if the user selects <All Folders> from the Loan Folder dropdown list, loans stored in archive folders will not be listed in the Pipeline. To include loans from archive loan folders, select the new Include Archive Folders checkbox at the top of the Pipeline. When this checkbox is selected, the <Archive> option is listed in the Loan Folder dropdown list.

The Persona settings have been updated to include a new Include Archive Folders option that administrators can select to grant user access to this checkbox on the Pipeline. To access this option, navigate to Encompass > Settings > Company User/Setup > Personas, and then select the Pipeline tab. The Include Archive Folders option is listed at the bottom the Pipeline Tasks option list.

Change Type: Entry removed

Change Date: 9/21/2018

Details: The following entry was removed from the Feature Enhancements page in these release notes.

Updates to eConsent Process to Check for External eConsent via Encompass Developer Connect

When users open loans in Encompass, the system checks the status of the borrowers’ eConsent acceptance. Previously, the system checked only within Encompass for the eConsent. In Encompass 18.4, updates have been made so that the system now checks for external eConsent data located in Encompass Developer Connect first. If the system detects external eConsent is available, it will then retrieve the external eConsent data from Encompass Developer Connect and provide it within Encompass when the loan file is opened. For example, when viewing the eConsent Status window in a loan, users can click the View Form link to view the eConsent Agreement PDF file. If the loan has external eConsent data available, Encompass will display the eConsent Agreement PDF that is stored in Encompass Developer Connect. If external eConsent data other than the eConsent PDF is available from Encompass Developer Connect, but the PDF is not available, and the user selects the View Form link to view the PDF, the system will display a message that states that the form is not available at this time. Otherwise, the message will not display. With these updates, developers using Encompass Developer Connect can also update the eConsent details and these updates will be provided in Encompass when the loan file is opened. Note that Encompass Developer Connect support loan level eConsent only. It does not support eDisclosure package level eConsent.

If there is no external eConsent data available, the system will check within Encompass for the eConsent status just as it did in previous versions of Encompass.

Encompass and Encompass Developer Connect rely on field 4499 to determine if external eConsent data is available. This field is not visible on any forms or within the Encompass user interface, but it can be added to Encompass reports as required. This checkbox field will be selected if external eConsent data is available for the loan.

NICE-11531, NICE-12186, NICE-12164, NICE-12169

Change Type: Link to related documentation added to entry.

Change Date: 9/21/2018

Details: The following link was added to the Enhancements to Support HELOC Loans section on the Feature Enhancements page. This link points to the new Working with HELOC Loans guide.

View the Working with HELOC Loans guide for more information about managing HELOC loans in Encompass, including recommended best practices, steps to configure HELOC loan templates, and working through specific HELOC loan scenarios.

Change Date: 9/21/2018

Details: The following links were added to the end of the Dynamic Data Management (DDM) section of the New Features & Forms page. These links point to the new Dynamic Data Management User Guide and the Top Use Cases for Dynamic Data Management guide.

View the Dynamic Data Management User Guide for more detailed information about setting up fee rules, field rules, data tables, and the global DDM settings in Encompass. You can also review the Top Use Cases for Dynamic Data Management guide to learn about typical use cases where utilizing the Dynamic Data Management options provides a more efficient way to automate fee data rather than templates (especially when the number of templates increase) and a simpler way to set field values instead of field triggers business rules.

Change Date: 10/1/2018

Details: The following updates were made to the To Add a New Contact and To Edit a Contact sections in the Added New TPO Global Lender Contacts Setting entry was updated on the New Features and Forms page.

Previous wording for the bullet items under step 9 and step 5, respectively:

• If the Title/Department field is blank, an error message is generated: “Title/Department is a required field.”
• If both the Phone and Email fields are blank, an error message is generated: “The Phone or Email field is required, they both cannot be blank.”
• If the Email address format is not valid, an error message is generated: “The Email address entered is not valid, please correct.”

Current wording for the bullet items under step 9 and step 5, respectively:

• If the Title/Department field is blank, the OK button is grayed out until all validation requirements are satisfied.
• If both the Phone and Email fields are blank, the OK button is grayed out until all validation requirements are satisfied.
• If the Email address format is not valid, the OK button is grayed out until all validation requirements are satisfied.

New bullet item added to step 4 of the To Edit a Contact entry.

• When you edit an existing contact, the Title / Department, Phone and Email can be manually edited and saved.

This manual update is saved into the Global Contacts table. However, it is not updated in the existing Encompass User profile.

Change Type: Entry updated

Change Date: 10/1/2018

Details: The following entry on the Feature Enhancements page was updated with a note to explain that the applicable portion of this new setting that is intended for use with Encompass Loan Officer Connect and Encompass Developer Connect, while provided in Encompass, will not be applied to these two products at this time. This setting will be compatible with these two products in future Encompass Loan Officer Connect and Encompass Developer Connect updates/releases.

Current Entry: 

The Allow access from certain IPs Option in Encompass Admin Tools Can Now Be Applied to Additional Products

Using the Allow access from certain IPs option in the Encompass Admin Tools, administrators can indicate specific IP addresses from which users are allowed to access Encompass. Starting in Encompass 18.4, this option has been enhanced to enable administrators to apply this setting to Encompass Loan Officer Connect and Encompass Developer Connect as well. Please review these steps below for more information about this enhancement.

Please note, this enhancement to enable this setting to be applied to Encompass Loan Officer Connect and Encompass Developer Connect, while available in Encompass 18.4, will not be applied to Encompass Loan Officer Connect nor Encompass Developer Connect at this time. The updates in these two products that are required in order for this setting to be applied to them will be implemented in a future release of Encompass Loan Officer Connect and Encompass Developer Connect.

To Configure Access Based on IP Addresses:

1. 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.
2. Double-click Settings Manager.
3. Select Policies from the Category list.

4. For the Allow access from certain IPs option, double-click the current Value that is displayed, and then select Enabled from the dropdown list.
5. Click Apply.
6. In the Remote Access IP Restriction pop-up window, click the Add icon, and then select a user from the User list

Select Everyone to apply the same IP settings for all users.

7. Select the options for IP Address Range or IP Address.
8. Enter the address or range of addresses, and then click Save.
9. Repeat steps 6-8 until all your users are added.
10. Select the Apply to Encompass Connect products… checkbox at the top of the window to enable users to access Encompass Loan Officer Connect and Encompass Developer Connect if their systems use any of the IP ranges or IP addresses you have specified. Note that you only need to select this checkbox if you want to provide access to these Connect products. This setting will still be applied to Encompass even if this checkbox is not selected. Users on systems using the specified IP ranges or IP addresses will still be able to access Encompass accordingly, just as they were prior to this enhancement.

    Again, while this setting is provided in Encompass 18.4, it will not be applied to Encompass LO Connect nor Encompass Developer Connect until a future release of those products.

NICE-10934

Previous Entry: 

The Allow access from certain IPs Option in Encompass Admin Tools Can Now Be Applied to Additional Products

Using the Allow access from certain IPs option in the Encompass Admin Tools, administrators can indicate specific IP addresses from which users are allowed to access Encompass. Starting in Encompass 18.4, this option has been enhanced to enable administrators to apply this setting to Encompass Loan Officer Connect and Encompass Developer Connect as well. Please review these steps below for more information about this enhancement.

To Configure Access Based on IP Addresses:

1. 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.
2. Double-click Settings Manager.
3. Select Policies from the Category list.

4. For the Allow access from certain IPs option, double-click the current Value that is displayed, and then select Enabled from the dropdown list.
5. Click Apply.
6. In the Remote Access IP Restriction pop-up window, click the Add icon, and then select a user from the User list

Select Everyone to apply the same IP settings for all users.

7. Select the options for IP Address Range or IP Address.
8. Enter the address or range of addresses, and then click Save.
9. Repeat steps 6-8 until all your users are added.
10. Starting in Encompass 18.4, select the Apply to Encompass Connect products… checkbox at the top of the window to enable users to access Encompass Loan Officer Connect and Encompass Developer Connect if their systems use any of the IP ranges or IP addresses you have specified. Note that you only need to select this checkbox if you want to provide access to these Connect products. This setting will still be applied to Encompass even if this checkbox is not selected. Users on systems using the specified IP ranges or IP addresses will still be able to access Encompass accordingly, just as they were prior to this enhancement.

NICE-10934

Change Type: New section

Change Date: 10/05/2018

Details: A new section for Title and Closing Service Updates was added to the Feature Enhancements page to describe the updates made to the Encompass Title and Closing Service.

Change Type: New entry

Change Date:10/05/2018

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

• Split the Rate Spread and Geocode Configuration Options in the Compliance Review Setup

Change Type: New section added

Change Date: 10/5/2018

Details: A new Fixed Issues for Version 18.4.0.1 Server Patch 1 section was added to the Fixed Issues page.

Change Type: Entry updated.

Change Date: 10/5/2018

Details: The following note was added to the Updates to the Wording on the eDisclosure Agreement entry on the Fixed Issues page to clarify the date when the new verbiage will display on the eDisclosure Agreement:

The updated verbiage will display on the eDisclosure Agreement starting on October 13, 2018.

Change Type: Entry updated.

Change Date: 10/9/2018

Details: The second paragraph in the Enhancements to Support HELOC Loans entry on the Feature Enhancements page has been updated to provide additional details about new HELOC fields and Loan Programs templates.

Current Text:

Encompass users can now set up unique HELOC product configurations to qualify loan payments according to lender or investor-specific guidelines. New sections have been added to the RegZ-CD, RegZ-LE, Closing RegZ, and RegZ-TIL input forms where users can define separate bases for both the qualifying payment and the initial payment disclosed to the borrower. These new HELOC sections are also available in the Loan Program Templates setting, enabling Encompass administrators to configure Loan Program Templates for each of the HELOC loan scenarios that your company supports, and in the Loan Program Templates pop-up window that is accessible by clicking the Find icon (magnifying glass) next to the Loan Program field on the 2010 and 2015 Itemization forms. Applying a template populates the loan with most of the data needed to calculate HELOC payments. The only additional data required is the initial note rate, initial draw and total line amount.

Previous Text:

Encompass users can now set up unique HELOC product configurations to qualify loan payments according to lender or investor-specific guidelines. New sections have been added to the RegZ-CD, RegZ-LE, Closing RegZ, and RegZ-TIL input forms where users can define separate bases for both the qualifying payment and the initial payment disclosed to the borrower. Encompass administrators can also configure Loan Program Templates for each of the HELOC loan scenarios that your company supports. Applying a template populates the loan with most of the data needed to calculate HELOC payments. The only additional data required is the initial note rate, initial draw and total line amount.

Change Type: Entry removed.

Change Date: 10/15/2018

Details: The following entry was removed from the Fixed Issues page.

Deleted Entry:

eSigning Supports Hyphenated Names

When a borrower’s legal name includes a hyphen, the eSigning process now inserts the hyphen in the electronic signatures that are applied to loan documents. Previously the hyphen was not displaying in the electronic signature. Example: Ramos-Estevez would display as RamosEstevez on the applied eSignature.

EDM-5170

Change Type: Entry updated.

Change Date: 10/15/2018

Details: An update was made to the New Financing Not Linked to Current Transaction section in the Updates to the Subordinate Mortgage Loan Amounts Pop-up Window entry on the Feature Enhancements page to correct a field name and add a field ID.

Current Text:

Record second through fourth lien mortgages in the New Closed End Subordinate Mortgage (field ID 4488).

Previous Text:

Record second through fourth lien mortgages in the New Closed End Primary Mortgage.

Change Date: 10/17/2018

Details: A new Fixed Issues for Version 18.4.0.2  section was added to the Fixed Issues page.

Change Type: Updated entry

Change Date: 10/17/2018

Details: The following entry on the Features Enhancements page has been updated to specify when this setting will be applicable Encompass Loan Officer Connect and Encompass Developer Connect.

Current Entry: 

The Allow access from certain IPs Option in Encompass Admin Tools Can Now Be Applied to Additional Products

Using the Allow access from certain IPs option in the Encompass Admin Tools, administrators can indicate specific IP addresses from which users are allowed to access Encompass. Starting in Encompass 18.4, this option has been enhanced to enable administrators to apply this setting to Encompass Loan Officer Connect and Encompass Developer Connect as well. Please review these steps below for more information about this enhancement.

Please note, this enhancement to enable this setting to be applied to Encompass Loan Officer Connect and Encompass Developer Connect, while available in Encompass 18.4, will not be applied to Encompass Loan Officer Connect nor Encompass Developer Connect until their respective 18.4 releases on November 10, 2018. The updates in these two products that are required in order for this setting to be applied to them will be provided in those releases.

To Configure Access Based on IP Addresses:

1. 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.
2. Double-click Settings Manager.
3. Select Policies from the Category list.

4. For the Allow access from certain IPs option, double-click the current Value that is displayed, and then select Enabled from the dropdown list.
5. Click Apply.
6. Click the Set Allowed IPs button.
7. In the Remote Access IP Restriction pop-up window, click the Add icon, and then select a user from the User list

Select Everyone to apply the same IP settings for all users.

8. Select the options for IP Address Range or IP Address.
9. Enter the address or range of addresses, and then click Save.

• If applicable, enter the public IP address for the Encompass Loan Officer Connect or Encompass Developer Connect user, even if the user is using a VPN connection.

10. Repeat steps 6-9 until all your users are added.
11. Select the Apply to Encompass Connect products… checkbox at the top of the window to enable users to access Encompass Loan Officer Connect and Encompass Developer Connect if their systems use any of the IP ranges or IP addresses you have specified. Note that you only need to select this checkbox if you want to provide access to these Connect products. This setting will still be applied to Encompass even if this checkbox is not selected. Users on systems using the specified IP ranges or IP addresses will still be able to access Encompass accordingly, just as they were prior to this enhancement.

• It is important to note that after configuring and enabling this setting in Encompass for use by Encompass Loan Officer Connect or Encompass Developer Connect users, it will take at least 30 minutes for this setting to be applied for the users in those Connect products.

Again, while this setting is provided in Encompass 18.4, it will not be applied to Encompass LO Connect nor Encompass Developer Connect until their respective 18.4 releases on November 10, 2018.

NICE-10934

Previous Entry: 

The Allow access from certain IPs Option in Encompass Admin Tools Can Now Be Applied to Additional Products

Using the Allow access from certain IPs option in the Encompass Admin Tools, administrators can indicate specific IP addresses from which users are allowed to access Encompass. Starting in Encompass 18.4, this option has been enhanced to enable administrators to apply this setting to Encompass Loan Officer Connect and Encompass Developer Connect as well. Please review these steps below for more information about this enhancement.

Please note, this enhancement to enable this setting to be applied to Encompass Loan Officer Connect and Encompass Developer Connect, while available in Encompass 18.4, will not be applied to Encompass Loan Officer Connect nor Encompass Developer Connect at this time. The updates in these two products that are required in order for this setting to be applied to them will be implemented in a future release of Encompass Loan Officer Connect and Encompass Developer Connect.

To Configure Access Based on IP Addresses:

1. 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.
2. Double-click Settings Manager.
3. Select Policies from the Category list.

4. For the Allow access from certain IPs option, double-click the current Value that is displayed, and then select Enabled from the dropdown list.
5. Click Apply.
6. Click the Set Allowed IPs button.
7. In the Remote Access IP Restriction pop-up window, click the Add icon, and then select a user from the User list

Select Everyone to apply the same IP settings for all users.

8. Select the options for IP Address Range or IP Address.
9. Enter the address or range of addresses, and then click Save.
10. Repeat steps 6-8 until all your users are added.
11. Select the Apply to Encompass Connect products… checkbox at the top of the window to enable users to access Encompass Loan Officer Connect and Encompass Developer Connect if their systems use any of the IP ranges or IP addresses you have specified. Note that you only need to select this checkbox if you want to provide access to these Connect products. This setting will still be applied to Encompass even if this checkbox is not selected. Users on systems using the specified IP ranges or IP addresses will still be able to access Encompass accordingly, just as they were prior to this enhancement.

    Again, while this setting is provided in Encompass 18.4, it will not be applied to Encompass LO Connect nor Encompass Developer Connect until a future release of those products.

NICE-10934

Change Type: Entry removed.

Change Date: 10/17/2018

Details: The following entry was removed from the release notes' Feature Enhancements page. Originally, this new section of the User Groups setting was included in the 18.4 major release. However, it was determined that its inclusion resulted in issues for users where they were unable to view and select a Changed Circumstance reason to add to field 3169 on the Loan Estimate Page 1. Therefore this new section of the User Groups setting was rolled back and removed from Encompass with the Encompass 18.4.0.2 release.

Change of Circumstance Options Added to User Groups Settings

The User Groups setting has been updated with a new Change of Circumstance Options section where administrators can set up and control user access to different Change of Circumstance options accessible from the Alerts page, LE Page 1, and CD Page 1 based on User Groups. When a user selects the Changed Circumstance checkbox (field ID 3168 on the LE, CD1.X61 on the CD) on one of these forms, and then clicks the Lookup icon to pick from a list of options to populate the Changed Circumstance description field (field ID 3169 on the LE, CD1.X64 on the CD), only the options selected by the administrator in this User Groups setting will be available for the user to select.

To Define Group Member Access to Change of Circumstance Options:

1. On the menu bar, click Encompass, and then click Settings.
2. On the left panel, click Company/User Setup, and then click User Groups.
3. In the left panel of the User Groups screen, click to select a User Group.
4. Click the Resources tab.
5. Scroll down to the Change of Circumstance Options section of the tab.
6. Click the New icon.
7. In the Change of Circumstance Options window, click to select an option (or options) in the All CoC Options list, and then click the right arrow to move the selected options to the Selected CoC options. The selected options will be the only Change of Circumstance options available for the user to select on the LE Page 1 or CD Page 1 when they click the Lookup icon to select a Change of Circumstance option to populate into the Changed Circumstance field (field ID 3169 on the LE, CD1.X64 on the CD).
8. Click OK.
9. Click the Save icon to save these changes to the User Groups screen.

NICE-5506, NICE-9807

Change Type: New entry added

Change Date:10/18/2018

Details: The following new entry was added to the Fixed Issues for Version 18.4.0.2 section on the Fixed Issues page.

Issue Resolved: Non-Admin Users Unable to View or Select Changed Circumstance Reasons on Loan Estimate Page1

An issue occurred where the Changed Circumstance options in the Lookup window on the Loan Estimate (LE) Page 1 (and the Closing Disclosure (CD) Page 1) were missing for non-admin users (i.e., any user assigned with a persona that was not Administrator or Super Administrator). Therefore, users were unable to indicate the reason for a Changed Circumstance that required a redisclosure of a loan in field 3169 on the LE Page 1.

This issue has been resolved so that the Changed Circumstance options are now listed in the Lookup window for all authorized users as expected.

As part of the fix for this issue, the new Change of Circumstance Options section that was added to the User Groups setting has been rolled back/removed. This section of the User Groups setting, originally included in early versions of Encompass 18.4, is no longer available starting in Encompass 18.4.0.2. Note that if you configured this Change of Circumstance Options section for a user group, these settings will no longer be honored. You can use the Loan Setup > Changed Circumstances Setup tool to manage the changed circumstance options that will be available to users to select in the loan file. To view details about this Change of Circumstance Options section of the setting that has been removed, refer to the Change Log.

NICE-14908, NICE-14922

Change Type: Updated entry

Change Date: 10/18/2018

Details: The following entry in the Fixed Issues for Version 18.4.0.2 section on the Fixed Issues page has been updated.

Current Entry:

Access to Subordinate Financing Buttons Can Be Controlled Via Business Rules

To limit user access to the Piggyback Loans Tool, the following buttons on the new Subordinate Mortgage pop-up window can now be controlled via Persona Access to Fields business rules: Link to Loan (field ID BUTTON_Link to Loan), Add New Closed End (field ID BUTTON_Add New Closed End), Add New HELOC (field ID BUTTON_Add New HELOC), and Remove Link (field ID BUTTON_Remove Link).

CBIZ-20472

Previous Entry:

Persona Access to Piggyback Loans Tool Now Applies to New Subordinate Financing Buttons

Personas who have not been granted access to the Piggyback Loans Tool in the Personas setting can no longer access the tool by clicking the Link to Loan, Add New Closed End, or Add New HELOC buttons on the Subordinate Mortgage Loan Amounts pop-up window that was introduced with the Encompass 18.4 release.

CBIZ-20472

Change Type: New entry

Change Date: 10/18/2018

Details: The following new entry was added to the Fixed Issues for Version 18.4.0.2 section on the Fixed Issues page.

Initially Payable to Your Institution Field is Editable When Action Taken is 1, 2, 6, 7 or 8

An issue has been resolved that caused the Initially Payable to Your Institution field (field ID HMDA.X43) to be not editable in some Encompass user’s environments when the Action Taken option (field ID 1393) was set to any option other than 3, 4, or 5. This issue has been resolved and the Initially Payable to Your Institution field is no editable under the conditions described above. Workaround Information:

The following workaround was provided for this production issue for Encompass user who were populating the Initially Payable to Your Institution field with a constant value. The workaround is no longer required for the Encompass 18.4.0.2 release and later.

• Create a custom field configured to populate the current date and time. Then create a field trigger rule to populate a default value to the Initially Payable to Your Institution field whenever a change is made in the custom field.

Change Date: 10/20/2018

Details: A new Fixed Issues for the Server Patch 2 Update  section that contains information about the issues fixed in this update was added to the Fixed Issues page.

Change Type: Updated entry

Change Date: 10/31/2018

Details: The Updated Logic for Populating the HMDA Reporting Year and Displaying the HMDA Information Form entry on the Feature Enhancements page has been updated.

Current Entry:

Updated Logic for Populating the HMDA Reporting Year and Displaying the HMDA Information Form

Updates have been made to the logic used to populate the HMDA Reporting Year (field ID HMDA.X27) and to determine which version of the HMDA Information form displays in a loan file.

Previously, the HMDA Information input form used the following logic:

• For loans dispositioned in 2017 or earlier, 2017 displayed for the HMDA Reporting Year.

• For loans dispositioned in 2018 and later, 2018 displayed for the HMDA Reporting Year.

This logic is being updated to enable the actual reporting year to display for loans dispositioned after 2018.

• When Active Loan is selected on the Action Taken dropdown list (field ID 1393), the HMDA Reporting Year is set to the current year.

• When Active Loan is not selected on the Action Taken dropdown list (field ID 1393), the HMDA Reporting Year is set to the year in the Action Taken Date (field ID 749).

Additionally, the following logic is being used to display the appropriate version of the HMDA Information input form:

• When the HMDA Reporting Year (HMDA.X27) is earlier than 2017, the pre-2017 HMDA Information input form displays.

• When the HMDA Reporting Year (HMDA.X27) is 2017, the 2017 HMDA Information input form displays.

• When the HMDA Reporting Year (HMDA.X27) is 2018 or later the HMDA Information input form displays the new 2018 HMDA Originated / Adverse Action Loans or 2018 HMDA Purchased Loans tab, based on your company's configuration.

CBIZ-11388

Previous Entry:

Updated Logic for Populating the HMDA Reporting Year and Demographic Information

Updates have been made to the logic used to populate the HMDA Reporting Year (field ID HMDA.X27) and the demographic information that displays in the Information for Government Monitoring section on the HMDA Information and 1003 Page 3 forms.

Previously, the HMDA Information input form used the following logic:

• For loans dispositioned in 2017 or earlier, 2017 displayed for the HMDA Reporting Year.

• For loans dispositioned in 2018 and later, 2018 displayed for the HMDA Reporting Year.

This logic is being updated to enable the actual reporting year to display for loans dispositioned after 2018.

• When Active Loan is selected on the Action Taken dropdown list (field ID 1393), the HMDA Reporting Year is set to the current year.

• When Active Loan is not selected on the Action Taken dropdown list (field ID 1393), the HMDA Reporting Year is set to the year in the Action Taken Date (field ID 749).

Additionally, the following logic is being used to display the appropriate demographic information in the Information for Government Monitoring section on the HMDA Information and 1003 Page 3 forms:

• The pre-2017 information displays when the HMDA Reporting Year is earlier than 2017 and the Print 2003 Application option (field ID 1825) is selected.

• The 2017 information displays when the HMDA Reporting Year (HMDA.X27) is earlier than 2017 and the Print 2003 Application option (field ID 1825) is not selected.

• The 2017 information displays when the HMDA Reporting Year is 2017.

• The 2018 information displays when the HMDA Reporting Year is 2018 or later.

CBIZ-11388

Change Type: Entry removed.

Change Date: 11/1/2018

Details: The following entry was removed from the Fixed Issues page. This feature was originally included in the initial Encompass 18.4 release, but was removed as part of the Encompass 18.4.0.2 update on 10/18 to address an additional production issue that was triggered by the introduction of this feature.

Deleted Entry:

Able to Send Consent Requests to Co-Borrowers with No Email Address

When sending an eConsent request to borrowers, Encompass users can now enter an email address for a co-borrower in the Send Consent window if the co-borrower does not already have an email address entered in the loan file. When the user clicks the Send button on the Send Consent window, a pop-up message displays to prompt the user to enter an email address for the co-borrower. The email field for the co-borrower is now editable on the Send Consent window, enabling users to manually enter an email address.

EDM-20569

Change Type: Updated entry

Change Date: 11/1/2018

Details: The Estimated Prepaid Items Now Subtracted from the Refinance Cash Out Amount entry on the Fixed Issues page has been updated.

Current Entry:

Estimated Prepaid Items Now Subtracted from the Refinance Cash Out Amount

The calculation used to populate the Refinance Cash Out Amount (field ID CASASRN.X79) has been updated for cash-out refinance loans per the Freddie Mac Single-Family Seller/Servicer Guide. When the Purpose of Loan (field ID 19) is Cash Out Refi,the Estimated prepaid items (field ID 138) amount from the Details of Transaction is now subtracted from the amount that is populated to the Refinance Cash Out Amount (field ID CASASRN.X79).

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass version 18.4 and later:

• Click the Lock icon for the Refinance Cash Out Amount (field ID CASASRN.X79) to adjust the amount.

CBIZ-13791

Previous Entry:

Estimated Prepaid Items Now Excluded from the Refinance Cash Out Amount

The Estimated prepaid items amount (field ID 138) from the Details of Transaction is now excluded from the Refinance Cash Out Amount (field ID CASASRN.X79) when the Purpose of Loan (field ID 19) is Cash Out Refi. per the Freddie Mac Single-Family Seller/Servicer Guide.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass version 18.4 and later:

• Click the Lock icon for the Refinance Cash Out Amount (field ID CASASRN.X79) to adjust the amount.

CBIZ-13791

Change Type: Updated entry

Change Date: 11/2/2018

Details: A sentence has been added to the end of the first paragraph in the New Calculation for Standard ARM Loans and Construction-to-Permanent Loans section of the Updates to the Introductory Rate Period Calculation for ARM and Construction-to-Permanent Loans entry on the Feature Enhancements page to clarify how the calculation update is applied.

New Calculation for Standard ARM Loans and Construction-to-Permanent Loans

For standard ARM loans (not construction-to-permanent), the Disbursement Date (field ID 2553) is subtracted from the 1st Payment Date (field ID 682) and the resulting number is divided by 30. For construction-to-permanent loans, the Disbursement Date (field ID 2553) is subtracted from the 1st Amortizing Payment Date (field ID 1963) and the resulting number is divided by 30. The result of this calculation is added to the 1st Change field (field ID 696).

Change Date: 11/9/2018

Details: The following entry on the Features Enhancements page has been updated to specify that this setting will be applicable Encompass Loan Officer Connect and Encompass Developer Connect in a future release of those respective products. Previously, the release notes stated that this setting would be applicable in these two products upon their respective releases on November 10, 2018.

Current Entry: 

The Allow access from certain IPs Option in Encompass Admin Tools Can Now Be Applied to Additional Products

Using the Allow access from certain IPs option in the Encompass Admin Tools, administrators can indicate specific IP addresses from which users are allowed to access Encompass. Starting in Encompass 18.4, this option has been enhanced to enable administrators to apply this setting to Encompass Loan Officer Connect and Encompass Developer Connect as well. Please review these steps below for more information about this enhancement.

Please note, this enhancement to enable this setting to be applied to Encompass Loan Officer Connect and Encompass Developer Connect, while available in Encompass 18.4, will not be applied to Encompass Loan Officer Connect nor Encompass Developer Connect until a future release of these respective products. The updates in these two products that are required in order for this setting to be applied to them will be provided in those releases.

To Configure Access Based on IP Addresses:

1. 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.
2. Double-click Settings Manager.
3. Select Policies from the Category list.

4. For the Allow access from certain IPs option, double-click the current Value that is displayed, and then select Enabled from the dropdown list.
5. Click Apply.
6. Click the Set Allowed IPs button.
7. In the Remote Access IP Restriction pop-up window, click the Add icon, and then select a user from the User list

Select Everyone to apply the same IP settings for all users.

8. Select the options for IP Address Range or IP Address.
9. Enter the address or range of addresses, and then click Save.

• If applicable, enter the public IP address for the Encompass Loan Officer Connect or Encompass Developer Connect user, even if the user is using a VPN connection.

10. Repeat steps 6-9 until all your users are added.
11. Select the Apply to Encompass Connect products… checkbox at the top of the window to enable users to access Encompass Loan Officer Connect and Encompass Developer Connect if their systems use any of the IP ranges or IP addresses you have specified. Note that you only need to select this checkbox if you want to provide access to these Connect products. This setting will still be applied to Encompass even if this checkbox is not selected. Users on systems using the specified IP ranges or IP addresses will still be able to access Encompass accordingly, just as they were prior to this enhancement.

• It is important to note that after configuring and enabling this setting in Encompass for use by Encompass Loan Officer Connect or Encompass Developer Connect users, it will take at least 30 minutes for this setting to be applied for the users in those Connect products.

Again, while this setting is provided in Encompass 18.4, it will not be applied to Encompass LO Connect nor Encompass Developer Connect until future releases of these respective products.

NICE-10934

Previous Entry: 

The Allow access from certain IPs Option in Encompass Admin Tools Can Now Be Applied to Additional Products

Using the Allow access from certain IPs option in the Encompass Admin Tools, administrators can indicate specific IP addresses from which users are allowed to access Encompass. Starting in Encompass 18.4, this option has been enhanced to enable administrators to apply this setting to Encompass Loan Officer Connect and Encompass Developer Connect as well. Please review these steps below for more information about this enhancement.

Please note, this enhancement to enable this setting to be applied to Encompass Loan Officer Connect and Encompass Developer Connect, while available in Encompass 18.4, will not be applied to Encompass Loan Officer Connect nor Encompass Developer Connect until their respective 18.4 releases on November 10, 2018. The updates in these two products that are required in order for this setting to be applied to them will be provided in those releases.

To Configure Access Based on IP Addresses:

1. 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.
2. Double-click Settings Manager.
3. Select Policies from the Category list.

4. For the Allow access from certain IPs option, double-click the current Value that is displayed, and then select Enabled from the dropdown list.
5. Click Apply.
6. Click the Set Allowed IPs button.
7. In the Remote Access IP Restriction pop-up window, click the Add icon, and then select a user from the User list

Select Everyone to apply the same IP settings for all users.

8. Select the options for IP Address Range or IP Address.
9. Enter the address or range of addresses, and then click Save.

• If applicable, enter the public IP address for the Encompass Loan Officer Connect or Encompass Developer Connect user, even if the user is using a VPN connection.

10. Repeat steps 6-9 until all your users are added.
11. Select the Apply to Encompass Connect products… checkbox at the top of the window to enable users to access Encompass Loan Officer Connect and Encompass Developer Connect if their systems use any of the IP ranges or IP addresses you have specified. Note that you only need to select this checkbox if you want to provide access to these Connect products. This setting will still be applied to Encompass even if this checkbox is not selected. Users on systems using the specified IP ranges or IP addresses will still be able to access Encompass accordingly, just as they were prior to this enhancement.

• It is important to note that after configuring and enabling this setting in Encompass for use by Encompass Loan Officer Connect or Encompass Developer Connect users, it will take at least 30 minutes for this setting to be applied for the users in those Connect products.

Again, while this setting is provided in Encompass 18.4, it will not be applied to Encompass LO Connect nor Encompass Developer Connect until their respective 18.4 releases on November 10, 2018.

NICE-10934

Change Date: 1/17/2019

Details: The following entries on the Features Enhancements page have been updated to provide additional information about new Lock icons and migration issues.

• Calculating Combined Loan-to-Value Ratios (CLTV, HCLTV) with Subordinate Financing - Fields ULDD.FNM.MORNET.X76 and ULDD.FNM.MORNET.X77 were added to the list of fields with new Lock icon..

• Calculating Total Open End (HELOC ) Credit Limit - A reference was added to explain that the previously entered values for the Additional financing field (field ID 1732) has been retained by Encompass, even though the field was removed from input forms and calculations starting with the Encompass 18.4 release.

• Calculating the Closed End Subordinate Mortgage Total - A note was added to explain that a new Lock icon was added to the Closed End Subordinate Mortgage Total field (field ID 428).