An issue was resolved that resulted in a discrepancy between the General Qualified Mortgage Safe Harbor Eligibility results in Encompass and the results return by the Encompass Compliance Service (ECS) for some ARM transactions. This issue resulted in some loans being flagged as a Higher-Priced Covered Transaction in ECS and in Encompass on the higher-priced covered transaction checkbox (field ID QM.X382) on the Qualification tab on the ATR/QM Management input form as shown below.

However, on the ATR/QM Eligibility tab, the flag for General Qualified Mortgage Safe Harbor Eligibility ATR/QM Management form would show that the loan met the ATR/QM standard for safe harbor eligibility.

The calculation used by Encompass to indicate Safe Harbor Eligibility has been updated and the Safe Harbor Eligibility flag now matches the results returned from the Encompass Compliance Service.

An issue was resolved with mortgage or HELOC Verification of Liability (VOL) records that were added to a loan file and marked as Will be paid off. If the VOL was then attached to the Verification of Mortgage (VOM) for the subject property, the payoff amount was populated in the Existing Liens to be Paid Off (field ID 26) but was not cleared from the Credit Cards and Other Debts Paid Off (field ID URLA.X145). This causes the payoff amount to be included twice in the Total Due from Borrower (fields ID 1073) and Cash to Borrower (field ID 142).

Workaround Description:

The following workaround was provided for this production issue and is no longer required for Encompass 22.1 and later.

1. Open the Verification of Liabilities record

2. Clear the Will be Paid off checkbox, and then select it again.

Calculation updates have been made to ensure that the Present Housing expense fields are now populating correctly for HELOC loans when the Investment checkbox (field ID 1811) is selected in the Property Will Be section on input forms such as the Borrower Summary – Origination, 1003 URLA Part 4, 1003 URLA – Lender, and RegZ-LE.

For a HELOC loan that is not for a primary residence, the following logic is now used to populate values for the First Mtg. P & I (field ID 1724) and Second Mtg. P&I (field ID 1725) on input forms such as the ATR/QM Management, HELOC Management, and Transmittal Summary:

• The First Mtg. P & I (field ID 1724) is now populated with the value from the present housing expenses First Mtg. payment (field ID 120).

• The Second Mtg. P&I (field ID 1725) is now populated with the value from the present housing expenses Other Fin. payment (Field ID 121).

This logic update applies to loans using either the 2020 or 2009 versions of the URLA forms.

A None option has been added to the Flood Zone dropdown list (field ID 541).

For loans using the new URLA forms, an issue was resolved that caused the Total Military Entitlements amount on the Calculate Military Entitlements pop-up window to not update when a loan with military entitlements was imported into Encompass or when the Encompass SDK was used to populate fields on the window. The Calculate Military Entitlements pop-up window is accessed by clicking the Edit icon next to the Military Entitlements field for the borrower or co-borrower on the 1003 URLA Part 2 input form. This issue has been resolved and a recalculation of the total amount is now triggered on the pop-up window under the scenarios described above.

When importing a borrower from another loan file using the Manage Borrower icon at the top of the loan, the Date Hired (field ID BE0151) is now importing correctly into the Verification of Employment input form for the borrower.

When the percentage of the loan amount that is covered by the mortgage insurance (field ID 1199) is update via the SDK, the proposed monthly payment for Mortgage Insurance (field ID 232) is also updated. Previously the monthly payment was not updating when the SDK was used to update the loan amount covered by mortgage insurance.

(Added on 2/18/2022)

An issue was resolved where the Loan.InterviewerLicenseIdentifier attribute was being updated in the loan contract each time the loan was modified and saved with the V1 Update Loan API. With this issue, when users saved the loan after making any updates, the State License ID # field (2306) would also be updated. This issue has been resolved and now the Loan.InterviewerLicenseIdentifier attribute is updated only when Loan.Property.State is passed through the payload with a different value.

If you are utilizing the Encompass SDK, upgrading to the new SDK package for 22.1.0.1 Server Patch 1 is required to receive this fix.

The formatting used when populating data from enhanced condition virtual fields to a custom print form was updated with the initial Encompass 22.1 release during the implementation of the new options described in the Additional Options for Printing Enhanced Conditions on Custom Print Forms entry in these release notes.

Prior to implementation of the new options, the naming convention for a condition used the following formatting:

• sequence number + log.status + internal/external description

  Example:

  1 Added External Description for Prior To Close ID1

With the new options, the naming convention used the following formatting:

• log.title + internal/external description

  Example:

  Prior To Close ID1 External Description for Prior To Close ID1

The naming convention for the new options has now been revised to match the prior formatting:

• sequence number + log.status + internal/external description