MI Center

MI (Mortgage Insurance) Center in Encompass

Mortgage Insurance Center in Encompass: Arch MI

Mortgage Insurance Center in Encompass: Enact

Mortgage Insurance Center in Encompass: Essent Guaranty Integration

Mortgage Insurance Center in Encompass: MGIC

Mortgage Insurance Center in Encompass: National MI

Mortgage Insurance Center in Encompass: Radian

The MI Center in Encompass includes an enhanced integration with multiple MI Service partners for a more streamlined mortgage insurance ordering process. This integration provides Encompass customers process improvements, and access to data and alerts. The following partners are supported on the MI Center: Arch, Enact, Essent, MGIC, National MI, and Radian

This integration is supported in Encompass 23.3 and later versions.

Once the Mortgage Insurance Service setting is configured by the Encompass administrator, users can manually place MI orders from the MI Center.

If you have multiple MI service providers configured with MI Center, you can request a rate quote comparison at any time in the loan lifecycle and compare MI rates until a certificate order type is placed on the loan.

Use this feature to compare rate quotes from all MI Center-supported partners configured for the service. Rate Quotes are read-only with this release - you can view the rate quote, make a note of it, and include it in your MI certificate order. Ability to import rates will be available with a future release.

  1. Log into the Encompass web interface.

  2. Click the Applications menu, and from the drop-down menu, click Pipeline.

  3. From the Pipeline, open the loan for which you want to place your MI order.

  4. On the left navigation panel, click the Forms menu to collapse it.

  5. From the Services menu, click MI Center.

  6. Click the Compare Rate Quotes button.

  7. Review the data in the Compare Rate Quotes panel.

  8. You can expand/collapse the panels, and filter by Product and Provider.

  9. Click the arrow on each row to expand and view the details.

  10. View the Rate Quote details and note down the Rate Quote ID.

For options available at the bottom of the Compare Rate Quotes page, such as Import Rates Only, Delegated MI, Non Delegated MI, see Import Rates Only and Delegated MI, Non Delegated MI, Contract UW with MI.

Use the Import Rates Only button to select a rate quote and import the rate to your loan file.

  • Click to select a rate quote and then click the Import Rates Only button.

    • This displays the Order Summary page for the selected Rate Quote.

Selecting an entry in the Compare Rate Quotes page and then clicking any one of the following buttons launches a new order window for that product, if supported by the selected partner: Delegated MI, Non Delegated MI, Contract UW with MI

  • Click to select a rate quote, and then click any of the order type buttons.

    • This launches a new order window for the selected vendor - with relevant rate quote data (including the rate quote ID) pre-populated on the order page.

The following new order types are supported:

  • Rate Quote -Pricing Only

  • Rate Quote -Pricing with Eligibility

  • Delegated MI

  • Non-Delegated

  • Contract Underwriting with MI

  • Contract Underwriting without MI

Not all order types are supported by all MI Service vendors with this release.

For the purpose of this exercise, we will place a Delegated MI order.

  1. Go to the MI Center, and from the New Order drop-down list, select a service provider.

    • This displays the New Order window for your selected partner. Note that the default selection in the Order Type Request Type drop-down field is Rate Quote -Pricing with Eligibility).

  2. Complete the fields in the New Order window and click the Order button.

For details on how to place an MI order, refer to the partner-specific MI User Guides listed below in alphabetical order:

Once you have placed your first MI order, you can click the New Order dropdown available as a header on all MI pages to place subsequent MI orders.

  1. Go to a specific order and click the kebab menu to access the following menu options:

    • View Order Summary: View additional details of your order. For more information, see View Order Summary.

    • Resubmit Order: Supported for the following order types only

      • Delegated

      • Non Delegated

      • Contract Underwriting (with and without MI)

    • Check Status: Checks the status of your order and returns a success message from the MI Service provider. This can also potentially refresh the order data if the MI Service provider has completed their workflow on the order. You may see updated Order Status, latest rates, and new document attachments.

  2. Click the arrow on the order to expand the panel and view details of the order

  3. Click the View Order Summary button to go to the Order Summary page. For more information, see View Order Summary.

When you have placed multiple MI orders, you can streamline the Order History display to locate your order.

  • Use the Group By options to filter the reports based on Provider, Order Date, and Order Type.

  • Click the Search icon on each column (Order Date, Order number, Provider name, etc.) and select available values to further filter the data.

  • Use the green checkmark as a quick visual indicator to identify the active order. For more information, see Active Orders.

Use the Order Summary page to view additional details of the MI order.

  1. In the Order History page, click the arrow next to the order to expand the panel and view order details.

  2. In the MI Orders panel:

    1. Click the View Order Summary button,

    2. Or, click the kebab menu (three vertical dots) and click View Order Summary.

      You can also use the kebab menu to access the View Order Summary option when the panel is collapsed.

  3. In the Order Summary page:

    1. Click the following tabs to view:

      • Overview: overall information on the order

      • Documents Received: Files returned from the MI vendor

      • Document Uploads: Files that you attached to the loan with your MI submission

        Delegated MI submissions do not support Document Uploads. For more information, see Document Uploads.

    2. If the loan submission is unsuccessful, go the Partner Messages section to review details of issues with the loan file data (sent by the MI vendor).

  4. Click the links/icons in the Order Summary page to:

    1. RESUBMIT ORDER: Use this option to resubmit your order for Delegated, Non-Delegated, and Contract Underwriting order types

      • For Rate Quotes, OPEN QUOTE ORDER displays instead of RESUBMIT ORDER.

      • Click the OPEN QUOTE ORDER link to access the Edit Order page and update info if needed.

    2. Check Status: Click this link to potentially refresh data on the page if the MI Service provider has completed their workflow on the order. You may see the Order Status update from Suspended to Approve, latest rates, and new document attachments

    3. Order Event Log: Displays the event log associated with the order. Click the Up and Down arrows to arrange the logs in chronological order - oldest or newest on top. Click the X to close the Order Event Log panel.

  5. Click the Documents Received tab to view the MI certificate returned from the MI Service provider.

  6. Use the options above the MI certificate to navigate between the pages, adjust the zoom, and download the certificate in PDF format.

  7. Use the Order Summary drop-down menu from any of the three tabs (Overview, Documents Received, and Document Upload) to navigate back to the Order History page. For information on the Active Order option, see Active Orders.

Your latest certificate order in the MI Center is identified as an Active Order.

To support this, the following UI updates are available on the Order Summary page:

Order Summary drop-down> Active Status menu option is enabled. You can use the drop-down menu options to toggle between the Order Summary and Order History pages

Order Status panel updates with an ACTIVE ORDER tag in green

Active order is indicated by a green check mark

Only one order a time may be designated as the active order, and it is possible that the loan may have multiple orders and none are active.

Document Uploads are supported for Non-Delegated and Contract Underwriting order types only. You can attach documents to your MI order:

  • At the time of loan submission - using the Attach Documents button in the New Order page

  • After submission, using the Upload Documents button in the Document Uploads tab of the Order Summary page

Follow the steps listed in this section to attach documents, from your hard drive or the Encompass eFolder, to your Non-Delegated Order:

  1. For a new order, click the Attach Documents button in the New Order page, or, for an existing order, go to the Order Summary page, click the Document Uploads tab, and then click the Upload Documents button.

  2. In the Select and Upload Documents window:

    1. Go to the Encompass Documents panel, and select checkboxes to include documents from the eFolder, or,

    2. To add documents from your hard drive:

      1. Click the Browse Local Drive button.

      2. Locate the document you want to attach, click to select it, and then click the Open button.

      3. Confirm that the Upload panel displays the documents you have selected to attach to your order.

      4. Type additional information in the Comments field (optional) and click the Upload button.

      5. Wait for the document upload to process.

      6. When the document upload completes, you will be automatically taken to the Order Summary page.

      7. Close the success notification or wait for it to go away in a few seconds.

        • Note that the Document Uploads tab now displays the number of times you have attached documents to the order.

        • Table in the Document Uploads tab now displays the details of the attached documents.

When you click MI Center in the left navigation menu, one of three pages will display, depending on where you are in the workflow:

  • If no orders exist yet for the loan, MI Center Landing page will display, where you may have up to two options:

  • Compare Rate Quotes (if this option is configured)

  • New Order (if new ordering is configured)

  • If one or more orders exist, but none of the orders are active, the Order History page displays, listing a history of all the MI orders on the loan

  • If one or more orders exist and one of these is ‘active’, Order Summary page for the active order displays. For more information, see Active Orders.