Some Encompass users experienced an issue where the View Documents button was not available on the Details tab in the Disclosure Details window that is accessible when viewing disclosure records in the Disclosure Tracking tool. This issue occurred in loan files that were originated in the web version of Encompass or from an Encompass Consumer Connect web application. Updates have been made to ensure the View Documents button is always displayed here for these types of loans.

When the Documents Sent section of the Disclosure Details window is empty, and a loan team member clicks the View Documents button, the list of sent loan documents will be regenerated (if loan documents have been sent). A progress bar providing the status of this regeneration process will display, and once complete, the Documents Sent section will be populated with the documents. The documents can then be viewed.

The All Other Payments (field ID 1733) on the Transmittal Summary input form, Prequalification tool, and Loan Comparison tool is now updating when the Pending Sales Date (field ID FM0159) on a Verification of Mortgage input form is moved from after the Closing Date (field ID 748) to prior to the Closing Date. Previously the All Other Payments amount was not updating even after a loan was saved. An Encompass user would have to open the RegZ-LE or RegZ-CD to trigger the field update. Note that the Debt-to-Income (DTI) ratio for the loan was also not updating until the All Other Payments field updated. This issue has been resolved and the All Other payments field and DTI are both recalculated when the Pending Sales Date is updated to be earlier than the Closing Date.

Workaround Information

The following workaround was provided for this production issue and is no longer required for Encompass 22.3 and later.

• Open the RegZ-LE or RegZ-CD to trigger the calculation.

The Zip code (field ID 15) for the Subject Property is now clearing or returning to a previously entered code when an Encompass user tries to enter a Zip code for a state where the Loan Officer assigned to the loan is not licensed. Previously a pop-up message would indicate that the Loan Officer was not licensed in the state, but when the pop-up message was closed, the Zip code field would not clear the field or revert to a valid Zip code if one had previously been entered. This issue has been resolved and an invalid Zip code is no longer retained in the field after closing the pop-up message.

Workaround Information

The following workaround was provided for this production issue and is no longer required for Encompass 22.3 and later.

• Manually enter a valid licensed Zip in field 15

When the Secondary or Investment check box is selected for Property Will Be (field ID 1811) on input forms such as the Borrower Summary - Origination or 1003 URLA - Lender and the Subject Property check box (field ID FM0128) is selected on the Verification of Mortgage (VOM) input form, the Net Income/Loss (field ID FM0132) on the VOM now automatically updates when the following proposed monthly fields are changed on forms such as the 1003 URLA - Lender or the 2015 Itemization:

• Homeowner’s Insurance (field ID 230)

• Association/Project Dues (Condo, Co-Op, PUD) (field ID 233)

• Other (field ID 234)

• Property Taxes (field ID 1405)

Previously, the amount for the Taxes, Ins, Expenses (field ID FM0121) on the VOM was updating under the scenario described above, but a recalculation was not being triggered for the Net Income/Loss (field ID FM0132).

Workaround Information

The following workarounds were provided for this production issue and are no longer required for Encompass 22.3 and later.

• Click the Lock icon for the Net Income/Loss and then click the Lock icon again to trigger the recalculation.

• Or open the Closing Disclosure Page 1 or the RegZ-CD input form to trigger the recalculation.

An issue was resolved that affected HELOC loans with existing values for the Initial Advance (field ID 1888), Cash From/To the Borrower (field ID 142), and the total due from borrower Less Total Mortgage Loans and Total Credits (field ID 1844). For these loans, the amounts in fields 142 and 1844 were not updating correctly when the Initial Advance amount was updated unless an Encompass user saved the loan, clicked the Lock icon for field 142 twice, or opened the Loan Estimate, Closing Disclosure, RegZ-LE or RegZ-CD input form. This issue has been resolved and Encompass now triggers a recalculation of the fields when the Initial Advance amount changes.

Workaround Information

The following workaround options were provided for this production issue and are no longer required for the Encompass 22.3 release and later:

• Save the loan.

• Click the Lock icon for field ID 142 twice.

• Open the Loan Estimate, Closing Disclosure, RegZ-LE, or RegZ-CD input forms.

The Initial Advance (field ID 1888) for a HELOC loan no longer clears when you apply a Loan Program template to a HELOC loan.

Workaround Information

The following workaround was provided for this production issue and is no longer required for Encompass 22.3 and later.

• After applying the Loan Program template, manually re-enter the Initial Advance amount.

An issue has been resolved that resulted in the following two results being returned after running a subordinate loan with a blank HELOC Drawn Total (field ID CASASRN.X167) through Freddie Mac’s LPA (Loan Product Advisor):

• LPA validation issued a warning for the HELOC Subordinate Lien Amount.

• LPA returned an error message: “SubordinateLienHELOCAmount - Required field - must be numeric with two decimals and no special characters”

The following logic has been implemented to resolve this issue:

• The HELOC Drawn Total is set to 0.00 if any of the following are true:

  • There is a liability record (VOL) in the loan.

  • There is a verification of additional loan record (VOAL) in the loan.

  • The HELOC new financing not linked draw amount (field ID 4489) is not blank.

• If none of above conditions are true, and the calculation for the HELOC Drawn Total is 0.00, the field is left blank.

Workaround Information

The following workaround was provided for this production issue and is no longer required for the Encompass 22.3 release and later:

• Click the Lock icon next to the HELOC Drawn Total field and manually enter 0 or 0.00.

An issue was resolved that resulted in a warning message not displaying when the loan amount exceeds the FHA county limit under the scenario described below:

1. FHA was selected for the Loan Type (field ID 1172).

2. The Loan Amount (field ID 1109) was entered.

3. The Loan Type was changed to something other than FHA.

4. The Loan Amount was changed to an amount that exceeds the FHA county limit.

5. The Loan Type was changed back to FHA.

Previously the warning message would not display under the scenario described above and the FHA check box would not be selected. This behavior would also occur if the Loan Type had been changed back to FHA by applying a template. This issue has been resolved and the following message now displays in the scenario described above.

Workaround Information

The following workaround was provided for this production issue and is no longer required for Encompass 22.3 and later.

• Remove the loan amount, select FHA, and then re-enter the loan amount to trigger the pop-up message.

When the Payment Deferred for First Five Years check box (field ID URLA.X209) is selected on the 1003 URLA - Lender input form for a second lien loan, and the Piggyback Loans tool is then used to link the loan to a first lien loan, the Payment Deferred for First Five Years check box (field ID URLARAL0123) is now selected on the Verification of Additional Loans input form in the first lien loan. Previously, the check box was not selected in the first lien loan when the two loans were link via the Piggyback Loans tool.

The field for the Lock Plan Code (field ID 3041) and the drop-down list for the Impounds Type (field ID 2962) on the Lock Request Form tool are no longer clearing after running Fannie Mae Desktop Underwriter (DU) or Freddie Mac Loan Prospector (LP) on piggyback loans. Previously, these fields were cleared on the first piggyback loan after running DU or LP if the rate for the first loan was not locked. This issue has been resolved and the values for the Lock Plan Code and Impound Types are no longer cleared after running DU or LP.

Workaround Information

The following two workarounds were provided for this production issue and are no longer required for Encompass 22.3 and later.

• After running DU or LP, manually re-enter the information in the Lock Plan Code and Impound Types fields.

• Make sure any loan fields that are synchronized with the Lock Plan Code and Impound Types fields are not blank.

The QM Annual Percentage Rate (field ID M.X381) now updates immediately when changes are made to other fields in the loan that are used in the calculation for the QM Annual Percentage Rate. Previously the field would not update until an Encompass user saved the loan file, which caused a temporary discrepancy between the QM Annual Percentage Rate and Annual Percentage Rate (field ID 799) used for ATR/QM purpose.

Workaround Information

The following workaround was provided for this production issue and is no longer required for Encompass 22.3 and later.

• Save the loan to trigger the calculation

The USDA Annual Fee escrow impound amount from line 1010 on the 2015 Itemization input form has been removed from the calculation that populates the ATR/QM Total points and fees applicable under section 32 (field ID S32DISC.X48) on the Qualification tab on the ATR/QM Management input form. This adjustment has been made to match the calculation used in tests run by the Encompass Compliance Service. Previously the USDA Annual Fee was being included in ATR/QM points and fees.

Workaround Information

The following workaround was provided for this production issue and is no longer required for Encompass 22.3 and later.

• Click the Lock icon for total points and fees and manually remove the amount within the line Item.

An issue was resolved that resulted in no entries displaying when using the Borrower Pair columns to search for documents or conditions assigned to All borrower pairs on the eFolder Documents tab or on the condition tabs. Previously the search would return no results, even when the eFolder included documents or conditions that had All selected in the For Borrower Pairs field on the Document Details window or on the condition details window. This issue has been resolved and the eFolder now correctly displays the appropriate entries when filtering for documents or conditions assigned to All borrower pairs.

Workaround Information

The following workaround was provided for this production issue and is no longer required for Encompass 22.3 and later:

• Select the blank value from the drop-down list at the top of the For Borrower Pair column, click the column header to arrange the entries alphabetically by borrower pairs, and then scroll through the list to locate the All entries.

For companies using the new Encompass document viewer, the Edit window in the new eFolder document viewer no longer closes directly after an Encompass user extracts one or more pages from an eFolder file attachment. This enables an Encompass user to perform page extractions multiple times on the same files attachment without having to reopen the Edit window after each extraction.

Previously, when a user selected pages and then clicked the Apply button on the Extract Pages pop-up window, the pop-up window and the Edit window were closed, and the document viewer displayed the thumbnail view.

To enable users to keep the Edit window open after extracting pages, a new Apply and Exit button has been added to the Extract Pages pop-up window and the following actions are executed when a user clicks the Apply or Apply and Exit buttons:

• Apply - The Extract Pages pop-up window closes, but the Edit window remains open. Use this option to perform page extractions multiple times on the same file attachment without having to reopen the Edit window after each extraction.

• Apply and Exit - The pop-up window and Edit window close, and the document viewer displays the thumbnail view. Use this option if you are done extracting pages from the file attachment.

When the Interest Only / Interest Only Term check box (field ID 2982) in the Loan Features section in the 1003 URLA - Lender input form has been selected in an existing loan, the check box now clears when applying a template under the following conditions:

• The Interest Only / Interest Only Term check box is not selected in the template.

• The Append Template Data check box is not selected in the Apply Loan Template window when the Encompass user applies the template.

Previously, after applying a template to a loan as described above, the Interest only months would be cleared, but the Interest Only / Interest Only Term check box would be selected and would be disabled from editing.

Workaround Information

The following workaround was provided for this production issue and is no longer required for Encompass 22.3 and later:

• Enter a value for the Interest Only Months (field ID 1177) to select the Interest Only / Interest Only Term check box, tab out of the field, and clear the value for the Interest Only Months.

Blank Verification of Employment (VOE) entries are no longer created when using a Loan Duplication template (Encompass > Settings > Loan Templates > Loan Duplication) with the following configuration to duplicate a loan:

• The checkboxes for the Loan Duplication template are selected for Borrower Information, Co-Borrower Information, Borrower Employer Information, Co-Borrower Employer Information, Borrower Present Address to Borrower's Present Address, and Co-Borrower Present Address to Co-Borrower's Present Address.

• The following fields were added to the Additional Fields section for current, additional, and previous employment records: the borrower and co-borrower years and months on the job, the date hired, and the end date (field IDs FE0113, FE0116, FE0133, FE0151, FE0213, FE0216, FE0233, FE0251, FE0351, FE0451, FE0514, FE0551, FE0614, FE0651).

When creating a loan using the Loan Duplication template described above, blank VOE entries were being created if the loan being duplicated had blank values entered in the Additional Fields listed above. This issue has been resolved and blank VOE entries are no longer created when using a Loan Duplication template that is configured as described above.

The appropriate fields on the UCD tab on the Adjustments and Other Credits pop-up window are now being populated correctly when applying Data Templates created prior to 2019 with data in sections K and L. This window is accessed in the Data Template by clicking the Edit icon on the Calculating Cash to Close section on the Loan Estimate Page 2 or Closing Disclosure Page 3 form.

Data templates created prior to the Uniform Closing Dataset (UCD) updates implemented in 2019 use different field IDs in sections K and L. Loans using the old data templates would display blank values for these fields because of the field ID updates. This issue has been resolved and the data in the older templates is now mapped to the appropriate fields on the Adjustments and Other Credits pop-up window. For example, the data in the outdated field IDs CD3.X13, CD3.X15, and CD3.X17 are now copied to field IDs CD3.X310, CD3.X314, CD3.X318.

Workaround Information

The following workaround was provided for this production issue and is no longer required for Encompass 22.3 and later.

• Open the data template, remove the values, tab out of the fields, and then retype the values.

Encompass administrators can now create a Loan Programs template (Encompass > Settings > Loan Templates > Loan Programs) with the of any installment option selected for late charges. Previously the Late Charge section of the template did not include an option for of any installment in the drop-down list. This issue has been resolved and the of any installment option now displays in the drop-down list

Workaround Information

The following workaround was provided for this production issue and is no longer required for Encompass 22.3 and later:

• After applying a Loan program template, open the loan file and manually adjust the field ID 1719 on the Closing Disclosure Page 4 input form.

An issue was resolved that caused a dictionary key error message to display when attempting to import some FNMA 3.4 loan files into Encompass. The same issue would cause an unable to parse the file content error message to display when attempting to import the loan file into Encompass TPO Connect. These errors displayed when there was an incorrect association between the borrower role and the additional loan information within the FNMA loan file. When this scenario occurs, Encompass now searches other roles in the loan file to establish the correct association for additional loan information and import the loan file without displaying an error message.

The base pay amounts are now importing correctly into the Verification of Employment (VOE) records created in Encompass when importing a MISMO 3.4 loan file with multiple current employment records. Previously the first VOE would record the base pay correctly, but any additional VOE records would display the total of the base pay for each additional record plus the base pay for the previously added employment record. For example:

• The second current employment record would display the combined base pay for the first and second employment record.

• The third current employment record would display the combined base pay for the first, second, and third employment record.

This issue has been resolved and each current VOE entry now displays the correct base pay for the associated employment record.

Workaround Information

The following workaround was provided for this production issue and is no longer required for Encompass 22.3 and later.

• Manually update the base pay value to match the appropriate amount in the MISMO 3.4 file.

An issue was resolved that caused the What Type of property did you own drop-down list for the borrower and co-borrower (field IDs 981 and 1015) in Section 5a on the 1003 URLA Part 4 input form to not populate correctly after importing a MISMO 3.4 loan file into Encompass. For MISMO 3.4 loan files that included an entry for FHASecondaryResidenceIndicator, no selection would be populated in the What Type of property did you own drop-down list. This issue has been resolved and the What Type of property did you own values are now being imported correctly.

Workaround Information

The following workaround was provided for this production issue and is no longer required for Encompass 22.3 and later.

• After importing a MISMO 3.4 loan file, manually select the options for the drop-down lists.

Encompass administrators can use the System Administration > Unlock Loan File setting to unlock read--only loan files that are currently open and/or locked due to an unplanned closure or disconnect from Encompass when the loan file was open. Once unlocked by the administrator, authorized loan team members can then access and update the loan file. Updates have been made in Encompass 22.3 to ensure that once an administrator selects a loan file in the setting’s Locked Loan Files list, and then clicks the Unlock button to unlock the loan, the loan file is then automatically removed from the Locked Loan Files list. This update helps to make it clear which loans in the Encompass instance are currently locked.

(Added on 9/29/2022)

The Earliest Closing Date portion of the 'Compliance Timeline Calculation for RESPA-TILA' section in the Disclosure Tracking Settings in Encompass (Encompass > Settings > Loan Setup > Disclosure Tracking Settings) has been removed. Initially introduced in Encompass 22.3, this new section, which included three checkboxes that enable Encompass administrators to customize the calculation for the earliest closing date for loans using the RESPA/TILA 2015 forms, is no longer included on the Disclosure Tracking Settings screen. The new Earliest Closing Date section will be reintroduced in a future Encompass release.

(Added on 10/15/2022)

An issue occurred where business rules set up to execute based on loan updates or conditions (such as changes to the rate lock) were not executing when the events or conditions occurred. This issue has been resolved and the business rules are now operating as expected. Please note that this issue with business rules occurred only when the loan updates were made by Encompass Partners via the Encompass SDK.

To fix this issue, an enhancement to how field triggers and other triggers are compiled and cached that was introduced in Encompass 22.3 has been rolled back and removed from the new Encompass 22.3.0.2 release.