Updates and Enhancements for Encompass - 25.1 Major Release

New LDP / SAM checkboxes (5042, 5043) have replaced the previous LDP / SAM checkboxes (3026, 3027) on the FHA Management input form and the HUD-92900LT FHA Loan Transmittal input form. The new version of these checkboxes are borrower-level fields, while the older checkboxes were loan-level fields. This means that the selections made in these Yes/No fields are now specific to each borrower within the loan rather than being specific to the loan.

This update was made to resolve issues that occurred in past versions of Encompass in loans with multiple borrower pairs when different selections were made for these checkboxes for different borrowers and co-borrowers. Now that these fields are borrower-level, when selections are made for borrower pair 1, those selections are not carried over to borrower pair 2.

For existing loans (all loan statuses) created prior to Encompass 25.1, the selections made in the loan-level 3026 and 3027 checkboxes are retained and copied to the new 5042 and 5043 checkboxes for borrower pair 1 borrower and the borrower pair 2 co-borrower.

The Product and Pricing Provider ID field (5029), which was introduced in Encompass 24.3 to capture and validate the pricing provider used for the loan when product and pricing is ordered, has been updated so that the ID in the field is not copied over to a new loan when the loan is duplicated. If field 5029 is populated with a provider ID in the original loan, and then that loan is duplicated, field 5029 will be empty in the new duplicated loan.

Note, this field is not visible on any Encompass input forms or tools. It has been added to the Encompass Reporting Database and may be added to custom input forms.

A new AMI Manual Data checkbox (5027) is now provided in the Affordable Loan Eligibility section of the Borrower Summary - Origination input form that can be used to manually enter the year and values to use for the Area Median Income (AMI) limits in the AMI % fields on the form. This option is provided to give users a way to use the AMI dataset year that is compliant with the GSE investor’s AMI dataset when that year’s data is not accessible from the loan file or from the Affordable Lending tables in Encompass Settings.

Encompass provides the current year’s dataset in the Encompass Settings > Tables and Fees > Affordable Lending > AMI Limits setting. Users can click the Get AMI button to populate the AMI Year Used and AMI 100%, 80%, and 50% fields with this data. In addition, administrators can enable the Automated Data Completion settings in Encompass Admin Tools to automatically populate these fields with the current year’s AMI limits without clicking the Get AMI button. These fields are set to read-only when they are populated.

To manually change the AMI year to use, select the AMI Manual Data checkbox. This activates the read-only fields and deactivates the automated completion calculations and the Get AMI button. Users can then manually enter the year to use for AMI limits in the AMI Year Used field and then manually enter the AMI 100%, AMI 80%, and AMI 50% limits based on the AMI data provided by Fannie Mae and Freddie Mac.

A new feature has been added to the Select Loan Program Template window, enabling users to adjust the column width for columns in the Loan Programs section. To adjust the column width, select and hold the column divider and then drag the divider left or right to the desired position. When using a mouse to select the column divider, the mouse icon changes as seen in the image below:

Note: The initial integration of this feature is not available for touch controls.

A change has been made to the Link Liabilities window on the Application View > Financial Information - Real Estate page which enables more flexibility in the liabilities that can be linked to a mortgage. With this update, all liabilities that have been added to a loan file, regardless of the account type, can be selected on this screen. Previously, users were only able to link liabilities with the Mortgage or HELOC account types.

Example of Link Liabilities Screen with Multiple Account Types

A change has been made to enable the Milestone Completion Missing Required Data window to display a wider range of fields when those fields are required and missing data. The following pages / windows are now included on this window when completing a milestone:

The FHA Tracking form has been added to the FHA Management form in the Encompass web interface. Use the FHA Tracking form to record and manage FHA-related loan information. Users can also select the LDP Search or SAM Search links to search the government websites that list borrowers who are disqualified from receiving FHA Loans.

Note: The other button functions found on the tracking tab in the Encompass desktop interface are not available in the Encompass web interface.

The VA Tracking form has been added to the VA Management form in the Encompass web interface. Use the VA Tracking form to track the dates and events associated with the VA loan. Users can also access the System for Award Management (SAM) website.

Note: The other button functions found on the tracking tab in the Encompass desktop interface are not available in the Encompass web interface.

On the Application View > Military Service & Language Preference and HUD-92900LT FHA Loan Transmittal input forms, the verbiage for the checkbox that users select to 1) indicate the borrower or co-borrower (or their deceased spouse) is currently serving on active military duty and 2) to activate the date field where the user can then enter the projected expiration date of service or tour has been updated to help clarify what the date field is intended for. The updated verbiage for fields URLA.X123 and URLA.X126 is shown here:

Previously the verbiage used here was Currently serving on active duty Expiration Date of Service/Tour.

This new verbiage now aligns better with the verbiage provided for these military service checkboxes and fields on the 1003 Part 1 printed output form. This update to the input form is intended to make it clear that this date field should only be activated/populated if the individual is currently actively serving and NOT currently retired, discharged, or separated from the service. In previous versions of Encompass, some users incorrectly entered an expiration date for active service when the borrower, co-borrower, or deceased spouse was retired, discharged, or separated from the service, which led to data quality errors (DQC0590) being returned by Freddie Mac during underwriting.

New fields have been added to Encompass to support the Freddie Mac Asset and Income Modeler (AIM) and Fannie Mae’s Income Calculator respectively. These fields are not currently visible on existing Encompass input forms, but they are included in the Encompass Reporting Database and can be added to custom input forms that are available in the Encompass Reporting Database.

• Freddie Mac AIM Check Integrator (FAC0001)

• Freddie Mac Verification Report Identifier (FAC0002)

• Fannie Mae Income Calculator Belongs To (FANNIEIC0001)

• Fannie Mae Verification Report Identifier (FANNIEIC0002)

These fields are targeted to be provided on the GSE Additional Provider Data input form in a future Encompass release.

Negative values are now permitted in the Rate Spread field (ULDD.FNM.HMDA.X15) on the Fannie Mae ULDD input form. In previous versions of Encompass, if the rate spread (HMDA.X15) for the loan was a negative amount, the rate spread on the Fannie Mae ULDD input form would populate to 0.00 rather than the negative value.

The value in the FRE Condominium Project Identifier field (CASASRN.X221) on the Project Review tool is now automatically populated to the CPA Project Assessment Request Identifier field (ULDD.FRE.X1) on the Freddie Mac ULDD/PDD input form. Any time a value is entered, modified, or deleted from the FRE Condominium Project Identifier field, that value is updated (or deleted) in the CPA Project Assessment Request Identifier field on the ULDD/PDD input form.

Note that if a value is entered, modified, or deleted from the CPA Project Assessment Request Identifier field on the ULDD/PDD input form, the value in the FRE Condominium Project Identifier field on the Project Review tool is not updated (or deleted).

This update helps ensure that users utilizing Fredde Mac’s Condominium Project Advisor Platform can capture the Project Identifier number accurately on the ULDD/PDD input form and send it to LSA/LQA for delivery.

Per ULDD Phase 4a and 5 specifications, the following enumerations provided in dropdown lists on the ULDD/PDD input form are now indicated as Retired. The enumerations are still provided in these dropdown lists, but a Retired indicator is now displayed next to it.

Example: 

New document expiration date fields have been added to the Underwriter Summary Page 2 input tool:

• Credit Expiration Date (ANALYZER.X19)

• Income Expiration Date (ANALYZER.X20)

• Asset Expiration Date (ANALYZER.X21)

• Collateral Expiration Date (ANALYZER.X22)

• Overall Expiration Date (ANALYZER.X23)

By default, these fields can be updated manually. Alternatively, some of these fields can be updated automatically by the system based on information provided by ICE Mortgage Analyzers.

To make these fields read-only so users cannot make manual updates, administrators can set up and activate Persona Access to Fields business rules for these fields. If the fields are not set to read-only, data that is manually entered may be overwritten by system data from analyzers.

For users utilizing analyzer data for these fields, the analyzers will use extracted dates, compile those dates, and then provide the oldest document date to set the document expiration date for a file. Documents reviewed will include paystubs, bank statements, credit reports, and other documents used for the loan decision making process.

These dates will be compiled by the ICE Mortgage Analyzers and sent back to the fields (as described below) on the Underwriter Summary Page 2.

• Credit Expiration - Analyzers will update

• Income Expiration - Analyzers will update

• Asset Expiration - Analyzers will update

• Collateral Expiration - This field will not be updated by analyzers

• Overall Expiration - This field will not be updated by analyzers

Asset Analyzer is now available in the Analyzers section of the Underwriting Center in the Encompass web interface, giving users the ability to review and import asset details from the Asset Analyzer in Encompass. The status of the analyzer and the red alerts are displayed in a way similar to the Income and Credit Analyzers provided in previous versions of Encompass.

The asset data can be viewed in the Compare and Import tool in Encompass. A new Asset section is provided in the Compare and Import tool where users can import asset data into the loan file in Encompass. The Compare and Import tool provides an easy way for Encompass users to compare the asset data in the loan application and the asset data calculated by the Asset Analyzer. The tool displays a comprehensive variety of asset types supported under Depository, Investment, and Retirement categories.

Data from the loan application and Asset Analyzer is displayed on the page in two columns for a clear and consistent comparison view.

Asset data is displayed for each borrower in dedicated expandable tables.

By default, the tool displays only the values where a mismatch is detected. Users can switch the Show Matching toggle to ON to display all data, including the values that are identical between the loan application and the asset analyzer.

When a mismatch occurs users can decide if they want to use the loan application data or the data from the Asset Analyzer. The following types of data from the asset analyzer can be imported into the loan application in Encompass:

• Amount

• Account Number

• Financial Institution Name

• Type of Asset

To select the Asset Analyzer value to import, select the relevant checkbox for each item.

Users can also select all analyzer-calculated data by selecting the Select All from Asset Analyzer checkbox.

When one or more analyzer-calculated data is selected, the Import Asset button is activated. Click the button to import data from the asset analyzer and use it in the underwriting process rather than the data stated on the loan application.

Select the Save button to save the imported data in the loan application

All the accounts from the Depository section in Encompass are displayed. The selected accounts from the Asset Analyzer are displayed too. While some accounts match already, some others may not. If an account from the Asset Analyzer is not matched and is imported, it becomes a new entry in Encompass.

Additional Notes:

• Asset Analyzer must be set up within the Analyzer settings by the administrator.

• Persona rights options must be set to display the Analyzers panel in the Underwriting Center.

• Persona rights are required to import the analyzer data to Encompass.

• Import Data: The button is activated if access is granted to mortgage analyzers and it is allowed for the persona

• Select All From Asset Analyzer: Users can select the checkbox to import all data into Encompass

For companies that have purchased the ICE Mortgage Analyzers, new fields are being introduced in the Encompass Reporting Database that are intended to be used with advanced business rules for analyzer fields so that lenders can exclude loans from analyzers based on specific conditions and provide a reason for the exclusion.

Please note:

• These fields are not available on any standard Encompass input forms or tools. They are provided in the Encompass Reporting Database only. They may be added to custom input forms.

• These fields may be added to business rules in Encompass 25.1, but the rules will not be enforced until additional functionality is added in a future Encompass release.

In Encompass 25.1, the Data & Document Automation queues can now be launched directly from Encompass by selecting the new Queues icon in the App Launcher. User access to the queues, as well as the specific Queues icon(s) that display in the App Launcher, are based on the user profile created in the Data & Document Automation application by the administrator. For example, if the user is configured with access to Document Queues, then the Document Queues icon is displayed (as shown in the example below). If they are configured with access to Work Item queues, then the Work Item Queues icon displays in the App Launcher.

In order for a user to access the Data & Document Automation (DDA) work item queues, the administrator must set up them up as a new Data & Document Automation site user and configure their user credentials with access to queues. Once configured, the user can log into the Data & Document Automation web or desktop application- or now Encompass - and then access the Data & Document Automation queues.

The user profile in Data & Document Automation requires access to at least one queue.

ENCW-111226, AIQP-52640

A new field, Commitment Rate Set Date (5044), has been added to the Encompass Reporting Database. While this field is available in the Encompass Reporting Database, it is intended for future functionality that will be provided in an upcoming Encompass release. At that time, this field will be added to the Correspondent Loan Status tool where it will capture the date when the interest rate for a correspondent loan was last set without changing the last rate set date (3253) for the borrower. More information will be provided when this field is made available on the the Correspondent Loan Status tool.

In Encompass 24.2 fields were added to capture valuation data used by correspondent lenders to provide support for multiple appraisals, ordering, and data persistence at an order level and workflow support at an order level. These fields are part of the existing Correspondent Appraisal Valuation collection that enables Encompass Partner Connect to support this workflow. One of the fields added to the collection at that time was the Correspondent LCA Score field (VAL00A017).

In this Encompass 25.1 release, the Correspondent LCA Score field has been updated from an integer field to a decimal field. The number entered in the field will now be rounded to two decimal places.

Please note that these Correspondent Appraisal Valuation collection fields are not visible on existing Encompass input forms, but they can be added to custom input forms and are available in the Encompass Reporting Database.

For clients who already added field VAL00A017 to the Selected Fields panel in the Reporting Database in previous releases, there is additional action required after upgrading to this new Encompass release before the values in this field will be in decimal format. After upgrading, the administrator must remove field VAL00A017 from the Reporting Database’s Selected Fields panel, and then click Update to update the Reporting Database. Then, they must add field VAL00A017 back to the Selected Fields panel, and then click Update again. Only then will values in the LCA Score field be rounded to two decimal places.

Updates have been made for the Approve for Signing portion of eClosing to give users the ability to specify the sender of eClose packages, add customized information to the email sent to a specific recipient, and get notified when a package has or has not been received or viewed by the borrower. These are all options currently available in all other document workflows in Encompass and now eClosing has the same options.

In previous versions of Encompass, the Approve for Signing options were provided in a small slide-out panel on the right side of the page where users could select the date to make the package available for signing and set the package expiration date. Now the Approve for Signing options are provided on a full page and more options are now provided.

In addition to the package available for signing and the package expiration date fields, users can select the Sender information, if and when the sender will receive status notifications, and they can modify the email message that is sent to the recipient when the document package is sent.

When the package is sent, confirmation that the package was sent successfully (or not) is displayed. When successful, the user is returned to the Manage Closing: Closing Package page.

To support the MERS transaction types introduced to streamline updating the Secured and Delegatee for Transfer parties, the Encompass eVault has been updated with new eNote Transfer Transaction types. When executing a transfer in the eFolder, the needed data entry selections to accommodate these new transfer transaction types are now available as well.

The new transfer types added to the Transfer Action Type dropdown field are Transfer of Control and Location with Secured Party and Transfer of Control with Secured Party. These new transfer types are optional and not required for an eNote transfer.

In addition, these new transfer transaction options- New Secured Party Delegatee Transfer Name and New Delegatee for Transfer Name- are now available to select for the following Transfer Action Types: 

• Transfer of Control, Transfer of Control and Servicing Agent, Transfer of Control and Location, Transfer of All: New Delegatee for Transfer Name

• Transfer of Control and Location with Secured Party and Transfer of Control with Secured Party: New Secured Party Delegatee Transfer Name and New Delegatee for Transfer Name

(Added on 3/6/2024)

When automated disclosures and automated document requests workflows are being used in Encompass, the default notification template indicated in the Encompass Settings > eFolder Setup > Notification Templates setting is now used for the email notifications sent to borrowers and other recipients. Previously, the generic, system-generated email template was used for the notifications sent for these workflows.

When a loan is archived in the Encompass web interface, it can now be tracked in the Tools > Audit Trail in the Encompass desktop interface. The Audit Trail tool can be used to view and export a history of the changes made to this field in the loan file, including who updated the field and when.

In the Encompass desktop interface, users can select the Archived checkbox (5016) provided in each loan file to archive the loan.

To make the Archived checkbox data available in the Audit Trail tool, add field 5016 to the Selected Fields panel in the Encompass Reporting Database. When adding the field, select the Include in Audit Trail checkbox. Please refer to the Important Notes below for more details.

Important Notes

• If field 5016 has already been in the Selected Fields column in the Encompass Reporting Database and it was set to Include in Audit Trail since Encompass 24.2 or earlier, no action is needed. Starting in Encompass 25.1, up-to-date and accurate information will now be available in the Encompass Pipeline, Reports, and Dashboards and previous Audit Trail data will be retained.

• If you removed field 5016 from the Encompass Reporting Database prior to Encompass 24.3, you can now add field 5016 to Encompass Reporting Database and set it to Include in Audit Trail in Encompass 25.1 if you want to include this field in the Audit Trail.

• Field 5016 only needs to be in the Selected Fields column in the Encompass Reporting Database if you want to include it in the Audit Trail. Even if you do not add the field there, the data for field 5016 will still be available in the Encompass Pipeline, Reports, and Dashboards starting in Encompass 25.1.

• Audit Trail data will only account for manual updates to field 5016. It will exclude updates from the ICE job that automatically sets the field status if the loan has not been modified in the past three years and updates to the field that are logged when moving loans into an Archive folder.

Refer to KA 000115710 - Updates to field 5016 (loan Archive indicator) in 24.3 & 25.1 for more information.

Users can now select the Show All Fields IDs option to display the field IDs for virtual fields on custom input forms. In addition, the Show All Field IDs option is now applicable to the fields on the following additional input tools. Previously the field ID's only displayed on some of the input tools, but not these listed here: 

• Custom forms with virtual fields.

• Amortization Schedule

• Anti-Steering Safe Harbor Disclosure

• Correspondent Loan Status

• Correspondent Purchase Advice Form

• ECS Data Viewer

• Fee Variance Worksheet

• Lock Request Tool

• Project Review

• TPO Information

• Underwriting Summary

The Packages option, which enables users to view loans that are awaiting a loan officer’s eSignature, has been renamed to eSign Packages and has been relocated from the App launcher to a tab on the Pipeline.

Four new columns have been added to enable users to view more information on the Conditions page. The following columns have been added.

• Latest Status - Displays the current condition status.

• Latest Status Date/Time - Displays the date and time that the status was last updated.

• Latest Status User - Displays the username of the user who last updated the status.

• Added By - Shows the username of the user who added the condition to the loan.

For information on adding or removing columns from the Conditions list, click here.

The new TPO Correspondent role has been added to the list of available internal users in Notification Templates. With this update, Administrators can now select the TPO Correspondent role in the Internal Users field for notification templates. This update enables notifications to be sent to the TPO Correspondent role. In order to select this option, the TPO Correspondent role must be configured in the Encompass desktop interface. For more information on configuring the TPO Correspondent role, view the entry here.

Note: A user must be assigned to the TPO Correspondent Role on the loan in the File Contacts Tool and the user must have a valid email address for the notification to be sent successfully. Additionally, the notification template must be invoked by a workflow rule using the Send Notification resulting action.

Filtering and sorting support has been added to the Scheduler Templates list. Users can now filter the list of scheduler templates by the following columns:

• Name

• Description

• From

• Active

• Created By

• Created Date

• Modified By

• Modified Date

Additionally, you can change the order of the columns by selecting the Handle in front of the column and dragging it to the desired location. The width of the column can also be adjusted by selecting and holding the column divider and then drag the divider left or right to the desired position. This functionality is not available when using a touch interface. Changes to the order and width are retained for the current session only.

Note: A known issue exists where the column width can sometimes reset during the same session. This issue will be fixed in a future release.

The Services Landing Page user interface, which enables users to place orders and view any orders placed on a loan, has been updated to be more in line with other table views in the web version of Encompass. This update provides a more consistent experience, as well as adding additional functionality. The new UI displays a list of all orders on the loan and is sorted by the Last Activity column in descending order. This enables users to see the latest changes to their service orders listed at the top.

In addition, the Easy Order option has been relocated to a button to make it easier to access. With this change, users can select the Easy Order button, and then select the category they want to place an easy order for to initiate this process.

ASO-18683, ASO-18689

A new Product Status filter option has been added to the top right corner of the Services Management page. This new filter option enables users to filter the list of services by active products or deprecated products. By default, the Product Status filter is set to Active, hiding products that have been deprecated by partners from the main view. To view the deprecated products, you can select the Product Status filter and then select Deprecated.

A new Use Stacking Template option has been added to the Partner Documents section of the Add / Edit Easy Order or Automated Order Setup pages. This option enables administrators to select a predefined document stacking template to send to a partner as part of the order. Before this update, the only option was to manually select each document that you wanted to include with orders.

An update has been made to the Condition Mapping feature in Services Management to make it easier for Administrators to find the conditions they want to assign. Administrators can now filter available condition templates by the condition type. When an admin selects Condition Template as the mapping type, they can now select a condition type in the Condition Type field. Once a condition type has been selected, the list of conditions available in the Condition Template field is filtered to only display those with the selected condition type.

For more information on configuring Condition Mapping, click here.

The Services Management page has been updated to include pagination controls. This enables users to navigate through service partner configurations, while providing more control on how many options to display on one page. Pagination controls are located at the bottom of the page, and users are able to select the number of items to display per page, move from one page to the next, or select a specific page to display. By default, the page displays 20 items per page, but users can select to display 20, 40, 60, or 80 items per page.

A new feature has been added which enables our service partners to remove the requirement to define partner specific options for Easy Order and Automated service setups. If the Partner opts to remove those requirements, the Easy Order Options and Automated Options sections are removed from the service setups for that partner. 

Below are examples of the options that can be hidden by the partner.

Example of Easy Order Option:

Example of Automated Order Option:

In the 24.2 Major Release, an update was made to disable the creation of ASO Bot workflow rules. With this update, a new option has been added to easily convert ASO Bot rules to a Workflow Engine rule. This option displays when an administrator edits an existing ASO Bot rule. To convert the rule, select Yes. To keep the rule as an ASO Bot rule, select No.

The “Run any matched orders” option has been removed from Mortgage Insurance service setups. When the "Run any matched orders" option is enabled on a service setup, all service orders that meet the criteria are placed. This option is being removed from the MI category to prevent multiple orders from being placed on a loan.

An update has been made to the Add Entities window to enable administrators to select more than 200 users at a time. This window is used to add authorized users for multiple features, such as adding / editing service management setups, adding / editing credentials, and the Vendor Allocation feature. Previously, administrators could only add up to 200 users at a time.

A new From eFolder button has been added to the Upload Documents page enabling you to add documents, saved in the eFolder, to your MI order. New workflow supporting document upload using the From eFolder button is also being introduced with this release.

Document Uploads are supported for Non-Delegated and Contract Underwriting order types only. For more information, see the Document Uploads section in MI (Mortgage Insurance) Center in Encompass.

To Upload eFolder Documents

1. Go to the MI Center (open the loan for which you want to place your MI order, and from the Services menu, click MI Center).

2. Go to the MI order to which you want to add documents from the eFolder.

3. Click the DOCUMENT UPLOADS tab and then click the Upload Documents button.

   

4. In the Upload Documents page, click the From eFolder button.

   

5. In the Select from eFolder page, select checkboxes corresponding to the docs you want to upload, and click the Continue button.

   

6. In the Upload Documents page, optionally enter additional information in the Comments section, and click the Upload button.

   

7. Wait for the upload to process.

   

8. When the upload completes, a Success message displays and the STATUS displays as In Progress.

   

9. You can navigate away from the MIC, access it again, click the DOCUMENT UPLOADS tab to verify that STATUS now displays as Completed.

   

Additional Updates to/Information on this Feature

• Ability to expand and collapse all panels:

  • Click the arrow next to FOLDER NAME to expand…

    

  • And view all the panels

    

• Current Version/All Versions: By default, the latest version of eFolder docs are displayed.

  

  • Click the Version drop-down menu and click All Versions.

    

  • If older versions of documents exist in the eFolder, CURRENT VERSION value displays No.

    

• Stacking Templates: Use this drop-down menu to select and upload eFolder documents from predefined Stacking Templates. When you select a stacking template, the Document Folders panel displays in two sections:

  • Stacking Template Documents: <Stacking Template Name>: Top panel displays stacking template documents. If these documents are available in the eFolder, checkboxes corresponding to the documents are activated and available for selection.

• Document Groups: Use this dropdown menu to select and upload eFolder documents from predefined Document Groups.

  

  • Document Group: < Document Group Name>: Top panel displays document group documents.

    

    • If these documents are available in the eFolder, checkboxes corresponding to the documents are activated and available for selection.

    

  • Other eFolder Documents: Lower panel displays non-document group files in the eFolder.

  • Other eFolder Documents: Lower panel displays non-stacking template documents in the eFolder.

    

• Document Groups and Stacking Templates: These are exclusive - you cannot filter by both. If you filter by Stacking Template, Document Groups are deactivated/disabled, and vice versa.

The following additions have been made to Settings to support the new ICE PPE Float option.

• On The Options page, a new Float (ICE PPE Only) option has been added to the Options page under Settings.

• When enabled, the Float button will be displayed next to the Request Lock button on the Summary page.

This Float feature does update fees in the 2015 Itemization in Encompass. We encourage you to thoroughly test this feature and adjust, if needed, any of your current Encompass business rules before enabling this feature.

• The Update Lock Request button is removed.

• The Float button will only appear when the loan does not have an active lock, expired lock, or canceled lock.

• On the Update Lock Request Fields page, "not supported on float feature" has been added to the page header.

This addition was made to clearly indicate that the Update Lock Request Fields options are not supported when the Float (ICE PPE Only) option is enabled.

When enabled, the Float button will be displayed next to the Request Lock button on the Summary page.

• When the Float button is selected, program and pricing data will be pushed to the Lock Request Form without locking the loan.

• The following fields will be pre-populated on the Lock Request Form so the values do not need to be manually entered.

• Base ARM Margin (field ID 2647)

• Total ARM Margin Adjustments (field ID 2688)

• Net ARM Margin Expected (field ID 2689)

• Base Price (field ID 2101)

• Total Price Adjustments (field ID 2142)

• Net Price (field ID 2143)

• Starting Adjust Price (field ID 3874)

• Credit to Borrower (field ID NewHud.X1143) - If Commission is positive set

• Value will be entered as a positive rate in Encompass

• Fee to Borrower (field ID NewHud.X1150) - If Commission is negative set

• Value will be entered as a positive rate in Encompass

• When the Float button is selected, a Price Table - Float Request document link is generated and available under Documents. The link opens a document that captures the rates at the time of the Float.

• The read-only Float Updated on field (5035) on the Lock Request Form provides users with a way to view the float date and determine if a float rate lock has been requested.

There is a known issue with the Total Loan Amount and Financed Fee when a USDA loan is floated. When a loan is locked, the loan amount and fee are automatically adjusted to reflect the recursive nature of the USDA fee when sent to Encompass. However, when a loan is floated, the adjustment is not applied and the two values sent to Encompass are the same values in ICE PPE.

Two new Assumed Income columns, one for a checkbox and the other for an amount, have been added to the Programs grid.

When enabled (checkbox selected), a Client admin can configure default income, ranging from zero to 10,000,000, for specific products/product categories. This will allow Loan Officers to price before receiving actual income values to return a wider array of products.

The AnnualIncome calculation has been updated to use the Assumed Income when the calculated AnnualIncome is zero or null.

disableLock has been added to the rateSelector and loanQualifier/loanPrograms responses. By default, the value will be "False".

The disableLock property is a boolean data type where "True" indicates locking is disabled.

The Update Lock Request Form and the Request Lock buttons on the Lock Summary page are disabled when the disableLock property in the rateSelector response is "True".

When a mouse pointer hovers over the disabled button, a tool tip "Locking this Loan Program has been disabled by your Administrator." is displayed.

A new Government Upfront Fees option has been added to the Update Lock Request Fields page under Settings. By default, this option will not be selected for new and existing Clients.

The selection of Product Types on the Options page under Settings has been modified as follows:

• Any combination of Agency, Non-Agency, and Non-QM

and

• FHA, VA, or USDA

• If more than one product is selected, a validation message "Only one of FHA, VA, or USDA can be selected." is displayed.

If a transaction has a combination of FHA, VA, and USDA selected, your user will be redirected back to the Search page to select only one of the Standard Products.

The Search page has been updated to support government upfront fees.

• The Government Upfront Fee fields are displayed when "FHA", "VA", or "USDA" is selected as the Standard Product.

• The field labels will be determined by the Standard Product selected.

• If "FHA" is selected, the fields will be labeled "UFMIP Factor", "UFMIP Amount", "UFMIP Financed Amount", and "UFMIP Paid in Cash".

• If "VA" is selected, the fields will be labeled "Funding Fee Factor", "Funding Fee Amount", "Funding Fee Financed Amount", and "Funding Fee Paid in Cash".

• If "USDA" is selected, the fields will be labeled "Guarantee Fee Factor", "Guarantee Fee Amount", "Guarantee Fee Financed Amount", and "Guarantee Fee Paid in Cash".

• The factor and amount fields are read-only while the financed amount and paid in cash fields can be edited.

• The factor field displays a percent up to two decimal places.

• The amount field displays a dollar amount.

• UFMIP Amount - Defaults to (Base Loan Amount * UFMIP Factor)

• Funding Fee Amount - Equal to (Base Loan Amount * Funding Fee Factor)

• Guarantee Fee Amount - Equal to (Base Loan Amount * Guarantee Fee Factor)

• The financed amount field accepts a dollar amount.

• UFMIP Financed Amount - Defaults to UFMIP Amount

• Funding Fee Financed Amount - Defaults to Funding Fee Amount

• Guarantee Fee Financed Amount - Defaults to Guarantee Fee Amount

• The paid in cash field accepts a dollar amount.

• UFMIP Paid in Cash Amount - Defaults to zero

• Funding Fee Paid in Cash Amount - Defaults to zero

• Guarantee Fee Paid in Cash Amount - Defaults to zero

• The financed amount and paid in cash fields are editable and will display a validation message "The sum of Financed and Paid in Cash must equal the total upfront fee." if the sum does not equal the total upfront fee.

• The financed amount will be included in the Total Loan Amount calculation.

The following APIs have been modified as follows:

• The loanQualifier REST API has been modified to save the "Is this the first use of the VA loan program" (field ID VASUMM.X49) field to the loan table.

• The Rates Partner Service API has been modified to accept VASUMM.X49 (if required).

The Government Upfront Fee fields have been added to the ICE PPE integration transaction response.

For FHA/VA loans, the following fields have been added to the ICE PPE integration transaction response.

• Field 1826

• Field 1760

• Field 1760

• Field 1107 (auto calculated field)

• Field 1045 (auto calculated field)

For USDA loans, the following fields have been added to the ICE PPE integration transaction response.

• Field 3560

• Field 3566 (Entire or Portion of the guarantee fee will be financed)

• If fee financed amount and fee amount are equal, then field 3566's value is "FinancingAll". Otherwise the value is "FinancingPortion".

• Field 3563

• Field 1045 (auto calculated field)

In addition, the fee fields have been added to the rateSelector response.

These fields are only returned when the "Government Upfront Fees" option is selected on the ICE PPE Update Lock Request Fields page under Settings.

A Rate Alert button has been added to the bottom of the Summary page and a Rate Alert icon has been added to the top right corner of the Summary page.

Rate Alert Button

Rate Alert Icon

Selecting either the Rate Alert button or icon enables you to create an alert.

When all the pricing displayed on the Get Buy Side Price Analyzer slide in panel is identical, the Worst Case () icon is no longer displayed.

The snapshots on the Get Buy Side Price Analyzer slide in panel now display the actual Request Type.

The following updates have been made to the Buy Side Pricing page.

• The "Custom Price Adjustments" section has been renamed to "Custom Adjustments".

• The "Custom Price Adjustments" slide in panel has been renamed to "Custom Adjustments" and a new Rate field has been added.

• Either the Rate or Price field must be entered.

• The rate adjustments will be displayed on the Summary page.

The new Custom Adjustment Rate field has been added to the ICE PPE API.

The Lock # of Days in the Update Lock Request Fields modal will no longer be displayed for a new lock (New Value is always blank).

When a required field error is generated for a missing field located in a collapsed section, that section will now be forced open to make the missing field easier to find.

A new Online Help link has been added to the following ICE PPE pages.

• Search

• Results

• Summary

• Buy Side Pricing

• Sell Side Pricing

When selected, the ICE PPE help site is opened.