Encompass Release Notes (Banker Edition) 20.1 Major Release · 5/7/2020 · (version 20.1/20.1.0.1 Server Patch 1/20.1.0.1 Server Patch 2) These are the release notes for the Encompass

Encompass Release Notes20.1 Major ReleaseVersion 20.1/0.1 Server Patch 1/

0.1 Server Patch 2

(Banker Edition)

Last revised on May 7, 2020

© 2020 EllieMae, Inc.

© 2020 EllieMae, Inc. Ellie Mae®, Encompass®, AllRegs®, DataTrac®, Ellie Mae Network™, Mavent®,Millennial Tracker™, Mortgage Returns®, Prospect Manager®, Total Quality Loan®, True CRM®, TQL® andthe Ellie Mae logo are trademarks of Ellie Mae, Inc. or its subsidiaries. All rights reserved. Other company andproduct names may be trademarks or copyrights of their respective owners.

Last revised on: May 07, 2020 | Encompass Release Notes (Banker Edition) | 2

Table of Contents

Encompass 20.1 Release Notes 5

Encompass 20.1 Major Release (version 20.1/20.1.0.1 Server Patch 1/20.1.0.1 ServerPatch 2) 5

Encompass Release Naming and Timing Reminder 9

System Requirements & SDK Upgrade Requirement for Encompass 9

Install Files and Downloads 10

New Features & Forms in Version 20.1 11

New Correspondent Lender Fields 11

Encompass Settings 17

Feature Enhancements in Version 20.1 19

System Performance Enhancements 19

URLA Updates 25

HELOC Loans 33

ARM Loans 37

Encompass Forms and Tools 38

Construction Loans 50

Escrow Updates 52

Trade Management 52

Electronic Document Management 71


Encompass Investor Connect 72


Encompass Software Development Kit (SDK) 101

Fixed Issues for Version 20.1 102

Encompass Forms and Tools 102

URLA 108

HMDA 112

Construction Loans 113

Electronic Document Management 115


Reports 119

Encompass Software Development Kit (SDK) 119

Fixed Issues for Version 20.1.0.1 Server Patch 1 121

Update to the Encompass Server(i.e., Server Patch 1) 121

Updates to Encompass Client Machines 122

Fixed Issues for Version 20.1.0.1 Server Patch 2 124

Update to the Encompass Server(i.e., Server Patch 2) 124

Release Notes Change Log for Version 20.1 126


Encompass 20.1 Release Notes

View or print the Encompass Administrator Checklist for 20.1 Major Release

Watch New Videos About This Release

Encompass 20.1 Major Release(version 20.1/20.1.0.1 Server Patch 1/20.1.0.1 Server Patch 2)

These are the release notes for the Encompass 20.1 Major Release. They include a high-level overview of new features, feature and form enhancements, and fixed issues, followed by more detailed information and instructions where appropriate.

In addition to the information about this Major Release, these release notes also provide information about an update (20.1.0.1 Server Patch 1) released on April 11, 2020 and another update (20.1.0.1 Server Patch 2) released on April 18, 2020 to address issues discovered during testing.

Refer to the online help and the Guides & Documents page for additional information and related documents.

What's in This Release

n System Performance Enhancements - Updates are being delivered in this major release to improve Encompass system performance and ensure users can operate more efficiently and create and update more loans in less time.

n New Global Search Option in the Pipeline - Search all loan folders for specific loan data by simply entering the search criteria in an applicable Pipeline column header.

n URLA Updates - Updates have been made to the new URLA forms scheduled for mandatory use on all new loans in November 2020.

n HELOC Updates – Updates have been made to the HELOC loan process:

n HELOC interim interest can be calculated based on the draw amount.

n Updates to the daily interest charge calculation.

n Updates to the HELOC initial monthly payment calculation.

n The ability to create a HELOC table with a negative margin.

n A free entry description field for ARM amortization type loans

n New SOFR Option for ARM Index Type - A new 30-Day Average SOFR option has been added to the ARM Index Type drop-down lists in Encompass as an alternative to the LIBOR based indices.


https://help.elliemae.com/documentation/encompass/documents/release-notes/20-1_Admin_Checklist.pdf

https://help.elliemae.com/documentation/encompass/Content/encompass/library/tutorials.htm#rundown

https://help.elliemae.com/documentation/encompass/Content/encompass/library/documents.htm

n New Fields for Correspondent Lenders - New fields have been added to Encompass for use bycorrespondent lenders. Most of the new fields are not visible on Encompass input forms or tools, butthe fields can be added to custom forms and are available in the Encompass Reporting Database forreporting purposes.

n New Repeatable Automated Valuation Method Fields for Use with AVM Partners - 15 newautomated valuationmethod (AVM) fields have been added to Encompass to support the import ofdata from AVM partners.

n eFolder Sell Conditions tab Renamed to Delivery Conditions tab. This change was made to supportpartners whomay have delivery conditions other than sell conditions.

n Encompass Settings - Updates to the Encompass Settings include:

n Microsoft .NET 4.7.2 Framework Required for Encompass 20.1

n New Persona Settings to Control User Access to Custom Forms, Custom Tools, andGlobalCustom Tools in Encompass LOConnect

n Plus many more updates to input forms (including updates for Construction and ARM loans) and fixedissues.

Attention Encompass Administrators!

The following Encompass 20.1 features and settings may require additional action by the Encompass administrator. For example, by configuring or adjusting options in the Encompass settings, or reviewing and revising existing business rules affected by the new features. Please review these features to determine whether updates are required for your Encompass settings or business rules. In addition, refer to theEncompass Settings sections of the Feature Enhancements and Fixed Issues pages for specific information about new and updated Encompass settings.

Refer to the Encompass Administrator Checklist for the 20.1 Major Release (added on 3/27/2020) for a list of Encompass settings to review and adjust to support the policies and procedures you use when working with your installation of Encompass.

n Microsoft .NET 4.7.2 Framework Required for Encompass 20.1 - As discussed in the Encompass19.4 release notes, the release of Encompass 20.1 will require that Encompass users’ machines haveMicrosoft .NET Framework 4.7.2 installed. The Apply .NET Framework 4.7.2 policy option has beenremoved from the Settings Manager in Admin Tools and administrators will no longer have this optionto control when the .NET Framework 4.7.2 is installed on users’ machines.


https://help.elliemae.com/documentation/encompass/documents/release-notes/20-1_Admin_Checklist.pdf

n Windows 7 operating systems will not be supported for use with Encompass 20.1 and later versions going forward. It will remain supported with Encompass 19.4 and earlier versions of Encompass. Refer to the Product System Requirements and Compatibility Matrix for more information about supported and not supported operating systems.

n (Added on 4/9/2020) Encompass 20.1 now supports Windows 10 (version 1903) operating system on workstations.

n New SOFR Option for ARM Index Type - A new 30-Day Average SOFR option has been added to the ARM Index Type drop-down lists in Encompass as an alternative to the LIBOR based indices.

n Correspondent Lending Enhancements - Many updates have been made to Encompass forms and settings to better support Correspondent lending, including:

n New Correspondent Lender Input Form Fields

n Updates for Correspondent Trades

n Updates to External Company Setup Settings used to configure and mange theTPO companies and organizations you do business with

n Updates to Company Details Commitments Tab - New Bulk AOT and Co-Issue delivery types have been added. In addition, other changes to support commitments have been made.

n New Allow Publish Event for Correspondent Trades Setting - Creates a new publish date/time stamp when trades are published and enables “Unpublished” trades to be filtered out from Encompass TPO Connect.

n The eFolder Sell Conditions tab has been renamed the Delivery Conditions tab to support partners who may have delivery conditions other than sell conditions and to support updates and enhancements in the Encompass Investor Connect feature.

n Settings Updates to Support Encompass Investor Connect


https://help.elliemae.com/DocumentationLibrary/360/SystemRequirements.pdf

n New Setting to Enable Barcodes for Informational Documents - The Document Identification setting has been updated to give you the option to enable or disable document barcodes on informational documents.

n New Persona Settings and Options:

n The Access tab in the Personas setting where you control Encompass user access to Encompass LO Connect now displays in all Encompass instances (availability of this tab no longer controlled by the Allow Mobile Platform policy in Admin Tools > Server Settings. In addition, the default option selected on this tab is now set to provide Persona access to LO Connect.

n New Persona Settings to Control User Access to Custom Forms, Custom Tools, and Global Custom Tools in Encompass LO Connect - A new LO Connect settings tab is now provided in the Personas settings in Encompass. Administrators can use these settings to configure user access to custom forms, custom tools, and global custom tools in Encompass LO Connect that have been built using the Encompass Web Input Form Builder.

n New Authorized Trader Personas Setting - Manages which TPO users can execute trades.

n Updated Access to Trades Tab Personas Setting on Trades/Contacts/Dashboard/Reports Tab - The behavior of the Access to Trades Tab setting has been modified and a new Edit Trades setting has been added.

n New Global Company/User Delegation Access option is now provided on the External Settings tab in the Personas setting. Select this option to enable the persona to access and edit the settings in External Company Setup > Company Details settings.

n Watch a series of videos about this new release.


https://help.elliemae.com/documentation/encompass/Content/encompass/library/tutorials.htm#rundown

Encompass Release Naming and Timing Reminder

As a reminder, Ellie Mae has aligned our software updates with the appropriate tech nomenclature so we can be clear and consistent in our communication. The process in which you receive updates remains the same. To help you understand and prepare for releases and updates, please review the Encompass Product Release Naming Conventions page.

Certain Service Pack and Critical Patch releases are always applied to your users' computersautomatically and cannot be controlledmanually via the Encompass VersionManager tool. Typicallythese are releases that include critical compliance or feature updates, or changes to the EncompassServer that result in a new Encompass version number.

This Encompass 20.1Major Release will be applied to your users' computers automatically and cannotbe controlledmanually via the Encompass VersionManager tool. Users will receive the update upontheir initial log in of Encompass following the release.

System Requirements & SDK Upgrade Requirement forEncompass

Have you reviewed the latest System Requirements and upgraded the SDK?

Before downloading or applying this new Encompass release, it is important to verify the latest system requirements for Encompass client machines. Please review the System Requirements for Encompass to ensure your environment meets the requirements needed to operate Encompass successfully.

For a major Encompass release like this one, the Encompass SDK (Encompass Software Development Kit) run time environment must be upgraded to match the newly updated Encompass Server. If you fail to upgrade the SDK your application will not be permitted to connect to the updated Encompass Server. If your SDK application utilizes the Encompass SmartClient, you can automate this process so the SDK is upgraded automatically every time you apply a major Encompass release. If your SDK application is installed on a computer at your location, you must manually upgrade the SDK for every major release. For instructions for automating the upgrade process or manually upgrading the SDK, refer to the Upgrading the Encompass SDK page or view the SDK Programmer’s Guide.

Visit the Encompass SDK and Other Install Files page to access the SDK install files for this release.


https://help.elliemae.com/documentation/encompass/Content/encompass/whatsnew/release-naming.htm

https://help.elliemae.com/documentation/encompass/Content/encompass/whatsnew/release-naming.htm

https://help.elliemae.com/DocumentationLibrary/360/SystemRequirements.pdf

https://help.elliemae.com/documentation/encompass/Content/encompass/release_notes/rn_upgrading-encompass-sdk.htm


https://help.elliemae.com/DocumentationLibrary/360/Encompass360SDKProgrammersGuide-80later.pdf

https://help.elliemae.com/documentation/encompass/Content/encompass/release_notes/sdk-installs.htm

Install Files and Downloads

Visit the Encompass SDK and Other Install Files page to access the latest download links to common tools, including eFolder print drivers and the Encompass Document Converter.



New Features & Forms in Version 20.1

New Correspondent Lender Fields

Watch a Video About These New Fields!

New fields have been added to Encompass for use by correspondent lenders. Most of the new fields arehidden fields that are not visible on existing forms or tools, but the fields can be added to custom forms and areavailable in the Encompass Reporting Database for reporting purposes.

New Fields to Support Correspondent Compliance Review Data

New fields with new field IDs have been created for the following data to use for correspondent lendercompliance reviews that are performed in Encompass LO Connect. The new fields are for use oncorrespondent lender custom forms and do not replace any fields currently existing on Encompass input forms(i.e., fields LE2.XLC, CD2.XSTLC, and VASUMM.X128).

Field Name Current Field ID New Field ID

Prior Disclosure Date NA CORRESPONDENT.X57

Prepayment Penalty NA CORRESPONDENT.X58

LE Section J Lender Credit Total LE2.XLC CORRESPONDENT.X59

CD Section J Lender Credit Total CD2.XSTLC CORRESPONDENT.X60

VA IRRRL Statutory P&I Amount VASUMM.X128 CORRESPONDENT.X61

Prior Application Date NA CORRESPONDENT.X62

CBIZ-28861

New Fields for Correspondent Lending Valuation Data

(Updated on 2/28/2020)

Fields have been added to capture valuation data used by correspondent lenders. These fields are not visibleon existing Encompass forms, but can be added to custom input forms and are available in the EncompassReporting Database.


https://vimeo.com/403492031

n A total of 72 loan-level appraisal, EarlyCheck, and Valuation fields have been added to capture theappraisal, AVM, or FannieMae EarlyCheck loan-level values for valuation data for the subjectproperty.

n Corresponding sets of repeatable fields have been added to record the same type of data captured inthe 72 appraisal, EarlyCheck, and Valuation loan-level fields. These fields are used to record data formultiple appraisal, AVM, or FannieMae EarlyCheck records.

Repeatable fields enable the retention of multiple records for the same loan. Loan-level fields recordthe value used in the loan for correspondent lending purposes for each of the different sets ofrepeatable fields. For example, the Appraised Value on three different appraisal reports is recorded inthe repeatable fields. After reviewing several appraisal reports, a correspondent lender can enter theappropriate loan-level appraisal value to use in the loan for the subject property for correspondentlending purposes.

A standard naming convention is used to assign a field ID to each of the repeatable fields. The field IDincludes a component that identifies it as an appraisal/AVM field (VAL) or an EarlyCheck field (EC),followed by a set of two digits associated with the individual record and a final set of two digits thatidentify the specific field.

Example: The generic field ID for an Appraisal/AVM field is VAL0011.

n The first three letters in the field ID identity the field as an appraisal/AVM field: VAL0011

n Themiddle two digits in the field ID identify the number of the record: VAL0011

n The last two digits in the field ID identify the specific appraisal/AVM field: VAL0011

The table below provides examples of how repeatable field IDs are applied in multiple records.

Correspondent AppraisedValue

Correspondent AVM ConfidenceScore

Generic fieldID

VAL0011 VAL0020

First record VAL0111 VAL0120

Second record VAL0211 VAL0220

Third record VAL0311 VAL0320

Additionally, the following fields have been added for correspondent lending purposes:

n A new Correspondent Appraisers ValuationMethod field (field ID VAL0018) has been created to allowcorrespondent lenders to useOCR to determine whether a vendor document contains appraisal orautomated valuationmodel (AVM) data. The correspondent lender can then set up a business rule todisplay the appropriate appraisal or AVM fields on a custom input form.


n Fourteen new fields have been added to record loan-level values in the three categories listed below.These fields are not visible on existing Encompass forms, but can be added to custom input forms:

n First Payment Letter – 10 fields for insurance, tax, HOA, and PMI/MIP amounts (field IDsCORRESPONDENT.X390-CORRESPONDENT.X399).

n Government Updates – Initial Recoupment Form Provided date (field ID VASUMM.X135)and Final Recoupment Form Provided date (field ID VASUMM.X136).

n Additional Application Data – Eligibility Package Submission Date (field ID TPO.X113) andComplete Loan Package Submission Date (field ID TPO.X114).

n A new USDA One Time Close check box has been added to the Government custom input form inthe USDA section. This is a standalone check box that does not affect any other fields or calculationsin Encompass. This check box is not visible on existing Encompass forms, but can be added tocustom input forms.

CBIZ-29285, CBIZ-29368, CBIZ-29864

New Fields for Correspondent Compliance Review

New fields have been created for purposes of correspondent compliance reviews that are performed inEncompass LO Connect. These fields do not display on existing Encompass input forms but can be added tocustom input forms and then populated with data collected from documents for side-by-side comparisons. Thenew fields contain the same data and data formatting used in existing Encompass fields, but have beenassigned the following new field IDs specifically for use with correspondent compliance reviews that areperformed in Encompass LO Connect:

n CORRESPONDENT.X1 through CORRESPONDENT.X52

n CORRESPONDENT.X57 through CORRESPONDENT.X62

CBIZ-27778, CBIZ-28861

New Fields for Correspondent Lending Review Purposes

New fields used for the correspondent reviews and purchase process have been added to Encompass. Thesefields do not display on existing Encompass input forms but can be added to custom input forms and thenpopulated with data collected from documents for side-by-side comparisons The Encompass field IDs for thenew fields are CORRESPONDENT.X70 through CORRESPONDENT.X361.

CBIZ-28959


New Fields for Taxes

Three new loan fields have been created to capture themonthly amounts due for County Taxes (field IDCORRESPONDENT.X383), School Taxes (field ID CORRESPONDENT.X384), andOther Taxes (field IDCORRESPONDENT.X385) from the First Payment Letter. These fields do not display on existingEncompass input forms but can be added to custom input forms and then populated with data collected fromdocuments for side-by-side comparisons of monthly tax amounts from the First Payment Letter and existingtax amounts in the loan file.

CBIZ-29407

New Field for Correspondent Additional Insurance Monthly Amount

(Added on 2/28/2020)

A new field for entering the Correspondent Additional Insurance Coverage Amount (field IDCORRESPONDENT.X149) has been added to Encompass to enable correspondent lenders to enter theadditional insurance amount from other loan documents so it can be used in a side-by-side comparison withloan data. This field is not visible on existing Encompass forms, but can be added to custom input forms andare available in the Encompass Reporting Database.

CBIZ-29470

New Fields for the Loan Estimate and Closing Disclosure DeliveryMethod

New fields have been added to capture themethod used to deliver the Loan Estimate and Closing Disclosureoutput forms to the borrower and co-borrower to enable correspondent lenders to estimate the date whenborrowers received the disclosures:

n LE Delivery Method to Borrower (field ID CORRESPONDENT.X386)

n LE Delivery Method to Co-Borrower (field ID CORRESPONDENT.X387)

n CD Delivery Method to Borrower (field ID CORRESPONDENT.X388)

n CD Delivery Method to Co-Borrower (field ID CORRESPONDENT.X389)

These fields do not display on existing Encompass input forms but can be added to custom input forms.

CBIZ-29422


New Fields for Rider Data

New fields have been created to record data for Riders received for the Note or Security Instrument and can bepopulated with data collected from loan documents for side-by-side comparison with loan data. These fields donot display on existing Encompass input forms but can be added to custom input forms:

n Name (field ID RIDER0001) – Text entry field

n Required (field ID RIDER0002) – Check box

n Received (field ID RIDER0003) – Check box

n Date (field ID RIDER0004) – Date field

These fields are repeatable fields that can be used to record data for multiple riders associated with the loan. Astandard naming convention is used to assign a field ID to each of these fields. The field ID includes acommon component that identifies it as a Rider field (RIDER), followed by two digits associated with theindividual record and a final set of two digits that identify the specific field.

Example: The generic field ID for the rider Name field is RIDER0001.

n The first five letters in the field ID identity the field as a Rider field: RIDER0001

n Themiddle two digits in the field ID identify the number of the record: RIDER0001

n The last two digits in the field ID identify the specific rider field: RIDER0001

The table below provides examples of how repeatable field IDS are applied in multiple records.

Rider Name Rider Date

Generic field ID RIDER0001 RIDER0004

First record RIDER0101 RIDER0104

Second record RIDER0201 RIDER0204

Third record RIDER0301 RIDER0304

CBIZ-29468

Four New Fields on the Correspondent Purchase Advice Form

Watch a Video About These New Fields!

Four new fields have been added to the Correspondent Purchase Advice Form tool to enter details of payoutsmade to the lender. These fields are used to calculate the total value of the loan to the investor. The fields havebeen added on the Purchase Advice tab in two lines at the bottom of the free entry fields in the PurchaseDetails section.



Each line includes a fee description field (field IDs CORRESPONDENT.X63 and CORRESPONDENT.X65)and an amount field (field IDs CORRESPONDENT.X64 and CORRESPONDENT.X66) that can be used toenter amounts with two decimal places. The new amount fields are included in the calculation for the TotalFees (field ID 4192) on the Correspondent Purchase Advice Form tool.

The fees are populated automatically based on the fees configured in the TPO Fees setting in Encompassafter the pricing has been locked or by clicking the Update Fees button on the Correspondent PurchaseAdvice Form tool. Fees can be overwritten by entering descriptions manually or selecting options from thedrop-down lists, which are populated based on the configuration in the Purchase Advice Form setting.

CBIZ-28697


Encompass Settings

New Persona Settings to Control User Access to Custom Forms,Custom Tools, and Global Custom Tools in Encompass LO Connect


Watch a Video About This Enhancement!

A new LO Connect settings tab is now provided in the Personas settings in Encompass. Administrators canuse these settings to configure user access to custom forms and custom tools in Encompass LOConnectthat have been built using the Encompass Web Input Form Builder.

Administrators will use the Custom Forms, Custom Tools, andGlobal Custom Tools sections of this tab tocontrol the custom forms, custom tools and global custom tools that users can access in Encompass LOConnect.

Important Note: By default, no personas (with the exception of the Super Administrator) will haveaccess to the custom forms, tools, and global custom tools. In order for Encompass LOConnect usersto have access to these items, the administrator must update their persona settings to grant themaccess to these items. These settings will be enforced/applied in the Encompass LOConnect 20.1release.



To Grant Persona Access to Custom Forms, Custom Tools, and Global Custom Tools:

1. On themenu bar, click Encompass, and then click Settings.2. On the left panel, click Company/User Setup, and then click Personas.3. In the left panel, select a persona.4. Click the LO Connect tab.5. The Custom Forms section lists each custom form in Encompass LOConnect that has been built

using the Encompass Web Input Form Builder. Select each form that the persona can access.6. In the Custom Tools section, the custom tools in Encompass LOConnect that have been built

using the Encompass Web Input Form Builder are listed. Select each tool that the persona canaccess.

7. In the Global Custom Tools section, the global custom tools in Encompass LOConnect that havebeen set up in the Encompass Web Input Form Builder are listed. Select each global custom toolthat the persona can access.

Based on these persona settings in Encompass, the custom forms and custom tools that the administratorhas granted access to will display in the left navigationmenu in Encompass LOConnect. Any custom formsor custom tools that the persona does not have access to will not display in the left navigationmenu.

Any custom forms or custom tools that the persona does not have access to will not display in the leftnavigationmenu.

NICE-27596, NGENY-19901


Feature Enhancements in Version 20.1

System Performance Enhancements

System Performance Enhancements


The following updates are being delivered in Encompass 20.1 to improve Encompass system performanceand ensure users can operatemore efficiently and create and updatemore loans in less time.

n Disclosure Tracking Tool: When saving changes to a Disclosure Tracking record, the save processis now quicker andmore efficient.

n eDisclosures: Faster performance times when ordering eDisclosure packages.

n Projected Payments table: Reduced times when calculating the table values

n Other calculation updates:

n Improved times when running calculation diagnostics in the background

n Obsolete fields were removed from frequently used calculations to improve the calculationspeeds.

CBIZ-27551, CBIZ-28051, CBIZ-27072, CBIZ-27074, CBIZ-27209, CBIZ-27274, CBIZ-26336, CBIZ-18527

Global Search in the Pipeline

(Added on 3/21/2020)

In Encompass 20.1, a new Global Search option is now provided for the Encompass Pipeline. This newoption, which you can turn on or off by selecting the applicable radio button, is available for use only when onethe following columns is in the current Pipeline: Loan Number, Borrower First Name, Borrower Last Name,Subject Property Address, and Loan Name. TheGlobal Search On radio button will be inactive (i.e., grayedout) until one or more of these columns is in the current Pipeline.


When theGlobal Search is turned on, columns where you cannot search for data become inactive (i.e., grayedout). Only the columns that are available to be searched are active, and you can search for data by enteringyour search criteria in the column heading. In addition, the Loan Folder drop-down field also becomes inactive,but all of the loan folders will be searched.

When theGlobal Search is turned off, then the inactive fields and columns become active again. The defaultPipeline view will be restored, and the default Loan Folder will be used again.

NICE-29090

Encompass Docs Solution Performance Improvements


Improved Performance When Ordering Documents

Updates have beenmade to the Encompass Docs Solution (EDS) in the Encompass 20.1Major Release toimprove system performance and reduce the time it takes to generate documents. When ordering disclosuresthat included Encompass standard forms or Microsoft Word custom forms in previous versions ofEncompass, various pop-up notifications and updates would display (and close automatically) duringprocessing, providing you with quick status updates as the documents were generated prior to the final displayof the list of documents. Starting in Encompass 20.1, thesemultiple processes have been reduced andconsolidated, resulting in a reduction of the time to process and render the documents. In addition, theprocessing of customMicrosoft Word custom forms will now be performed by the Encompass Docs Solution(instead of the Encompass system).

These enhancements are part of an ongoing initiative to improve the efficiency of the document orderingprocess in Encompass. Additional performance and system enhancements will be provided in upcomingEncompass releases.

Depending upon how theWord custom form is created and/or formatted, some rendering and displaydifferences may occur with the returned final PDF form. The following examples illustrate some of themorecommon differences that may occur, and the steps required to resolve them.


Using Microsoft Word to Create Custom Forms

When usingWord to create a custom form, please consider the following:

n Macros within customWord documents that aremeant to be triggered when the form is created are notsupported in Encompass 20.1. Any forms that contain suchWordmacros will generate a FormFailureerror that will be provided back to the user.

n Any customWord documents that exceed 2MB in size will trigger a FormFailure error that will beprovided back to the user.

n Conditional expressions that contain data fields may not work correctly if there is no data entered inthe field or table.

n When a field data expression contains field delimiters (i.e., commas), and the fields involved inthe expression do not contain any data, only the commas will display on the final PDFdocument.

n Tables render differently than expected when no data is present.

n The size of the table on the form is based upon the content entered within the cells of the tableas well as the overall width. If there are data fields in the table that do not contain any data, thesize of the tables and columns therein may fluctuate.

Font Spacing and Positioning Differences

Encompass documents support all standardMicrosoft Windows fonts. If the customWord form is utilizing afont type that is not supported by the Encompass documents, alpha and numeric characters may display in aslightly different position on the form, or the spacing between the characters may be slightly different, inEncompass 19.4.0.4 Server Patch 3 compared to how they displayed on the form in earlier versions ofEncompass. However, this difference in spacing and positioning is not significant and does not preventborrowers from reading the form. Below is an example form that shows the positioning on the form in pre-20.1versions of Encompass and in 20.1 version of Encompass:

Pre-20.1 form

20.1 form


For a list of fonts that are supported by Encompass documents, click here.

Check Boxes

When one or more check box fillable form fields have been added to a Microsoft Word document, the check boxes may display with a light blue background in the PDF version of the form when printed in Encompass 20.1.

If a custom form contains one or more check boxes that is a non-standardMicrosoft Word bullet item style, thecheck boxes may display as radio buttons instead. For example, if the font being used in the custom form isWingdings 2 (a non-standard font) and a check box within that font is added to the form, it displays as a radiobutton in the final PDF version printed from Encompass 20.1:

Microsoft Word document:


https://help.elliemae.com/documentation/EDS/Documents/EDS-SupportedFonts.txt

Printed PDF Document:

To avoid this issue, the original Microsoft Word document should use standard bullet styles for check boxes orusemore standard, Word-supported font styles such as Wingdings.

Signature Lines

Whenmultiple signature lines are included inMicrosoft Word documents, there is the possibility that the linesbelow the first row of signature lines may move to the next page as content is added above the signature lines.To avoid this issue, and if having the signatures displayed together is desired, standardMicrosoft WordParagraph tools can be used to ensure that all signature lines remain grouped together as intended. Toaccomplish this, you can select all the signature lines, open the Paragraph Properties, and then select theKeep with next option.


New Admin Tools Policy to Control

A new EDS Custom Form Processing policy is available in the Encompass Admin Tools that enablesadministrators to control when the processing of Microsoft Word custom forms will be performed by theEncompass Docs Solution instead of the Encompass system. Use this option to enable the policy when youare ready to test your custom forms and ensure they are rendering as expected. You can then disable thepolicy until you are ready to test your custom forms again.

By default, this policy is set to False, which ensures that the Encompass system will process custom forms(just as in previous versions of Encompass). Set this policy to True to enable the policy and test your customforms using the Encompass Docs Solution. Once you have completed testing your custom forms using theEncompass Docs Solution and you are ready to use it for your custom forms going forward, you can also setthis policy to True.

When this policy is set to True, customWord forms generated from the Print menu in Encompass will nolonger be returned inWord (.docx) format. They will be returned in PDF format. This is by design tomaintain consistency and with the understanding that PDF forms are editable.

To Manage the EDS Custom Form Processing Policy:

1. On yourWindows task bar, click the Start menu or Start icon, navigate to the Ellie MaeEncompass program folder, and then click Admin Tools.

2. Double-click Settings Manager.

3. Select EDS from the Category list.

4. Double-click the EDS Custom Form Processing option, and then select True from the Value listto enable this policy and use the Encompass Docs Solution to process custom forms.

n To disable this policy and use the Encompass system to process custom forms, selectFalse from the Value list.

5. When finishedmaking your selection, click OK.


NDE-14017

URLA Updates

Updates have beenmade to the new URLA forms scheduled for mandatory use on all new loans in November2020.

New Fields on the Verification of Mortgage Input Form

Two new fields have been added to the Property Information section of the Verification of Mortgage (VOM)input form. A new Property will be used as drop-down list (field ID FM0155) has been added below theexisting Property is used as drop-down list. This field is used to indicate the intended use of a Real EstateOwned (REO) property. The drop-down list includes the following options:

n Primary Residence

n Investment

n Second Home

n Other


These options should be selected for transactions submitted to LPA where a Purchase Credit is present.

A new Other Description text field (field ID FM0156) has also been added below the Property will be usedas drop-down list. This field is disabled by default. When theOther option is selected on the Property will beused as drop-down list, the Other Description field is enabled for manual entry.

CBIZ-27617


New Land Value Type Drop-Down List Added to the 1003 URLA -Lender Input Form

A new Land Value Type drop-down list has been added to the Lot/Land Status section in section L1 of the 1003URLA – Lender input form (available with the new URLA input forms). Three options display on the drop-downlist:

n Original

n Appraised

n Not Applicable

CBIZ-27617

New Options Added to Credit Drop-Down ListsA new Lot Equity option has been added to the four credit description drop-down lists that display in section I on forms such as the 2015 Itemization, Construction Management (Linked Loans tab), FNMA Streamline, USDA Management (Rural Assistance URLA Page 4), Piggyback Loans, and Cash-to-Close. These fields also display in lines M3 – M6 (field IDs 202, 1091, 1106, and 1646) in the Total Credits section of the 1003 URLA – Lender input form (available with the new URLA input forms).

This new option is available both the new and old URLA input forms.

CBIZ-27617


FNMA 3.4 File Imports Adjusted to Support New Fields and Options


The import process for FNMA loan files has been updated in Encompass to support the import of newly addedfields and options described in the following release notes entries:

n New Fields on the Verification of Mortgage Input Form

n New Land Value Type Drop-Down List Added to the 1003 URLA - Lender Input Form

n New Options Added to Credit Drop-Down List

n New Drop-Down List Option on the Verification of Other Assets Input Form

n UpdatedOption on the FreddieMac Offering Identifier Drop-Down List

n New Purchase Credit Source Section Added to the FreddieMac Additional Data Input Form

The changes in this are all to support the updated URLA and AUS specifications published by the GSEs at:https://singlefamily.fanniemae.com/media/16606/display.

CBIZ-29460

Name Change for the “Print Additional Borrower URLA” Check Box

(Added on 2/28/2020)

The name of the Print Additional Borrower URLA check box (field ID URLA.X122) has been changed to UseAdditional Borrower (Joint) Format whenever it appears on Encompass input forms to provide amoreintuitive label. This check box determines the type of URLA forms the co-borrower will receive:

n When the check box is cleared, the co-borrower receives sections 1-8 of the URLA output formcontaining details of the co-borrower’s personal income, assets, and liabilities as well as details aboutjoint assets and liabilities shared by both the borrower and co-borrower.

n When the check box is selected, the co-borrower receives sections 1-8 of the URLA output formcontaining details of the co-borrower’s personal income, assets, and liabilities, but the co-borrowerdoes not receive detailed information about joint assets and liabilities. Instead, sections 2, 3 and 4direct the co-borrower to the borrower’s copy of the output form for detailed information about jointassets and liabilities in the applicable sections.

CBIZ-26445


Explanatory Text Added to Demographic Information Section on 1003URLA Part 4

(Added on 2/28/2020)

For loans using the new URLA forms scheduled for mandatory use on all new loans in November 2020,explanatory text has been added at the top of Section 7. Demographic Information on the 1003 URLA Part 4 toexplain the purpose of collecting the information. This is the same text that displays on the old URLA 1003Page 3 input form at the top of the Information for Government Monitoring section.

CBIZ-29292

Check Box for No Co-applicant Added to 1003 URLA Part 1

(Added on 2/28/2020)

For loans using the new URLA forms scheduled for mandatory use on all new loans as of November 2020, aNoCo-applicant check box (field ID 3840) has been added to the 1003 URLA Part 1 to indicate that there is noco-applicant on the loan.

CBIZ-29462


New Drop-Down List Option on the Verification of Other Assets InputForm

A new Relocation Funds option has been added to the Description drop-down list (field ID URLAROA0122)on the Verification of Other Assets input form.

CBIZ-27617

Update to the Prepayment Penalty Field on the 1003 URLA – LenderInput Form

The Prepayment Penalty / Prepayment Penalty Term check box (field ID URLA.X240) on the 1003 URLA –Lender input form has now been assigned the same field ID as the drop-down box for Prepayment Penalty(field ID 675) that displays on the Loan Estimate Page 1, Closing Disclosure Page 1, RegZ-CD, RegZ-LE, andULDD/PPD input forms to ensure that the selections for these fields stays synchronized. Field IDURLA.X240 has also been retired from the Encompass Reporting Database.


Migration

After upgrading to Encompass 20.1, field 675 will have the Payment Penalty option selected for any loan that had the Prepayment Penalty / Prepayment Penalty Term check box (field ID URLA.X240) selected prior to the Encompass 20.1 release.

CBIZ-27397


New Country of Citizenship Fields for Non-Resident Borrowers

(Added on 3/21/2020)

For loans using the new URLA forms, two new Country of Citizenship fields (field IDs URLA.X263 andURLA.X264) have been added to Section 1a on the 1003 URLA Part 1 to enable lenders to enter the country ofcitizenship for a non-permanent resident alien. The field is enabled for editing for a borrower or co-borrowerwho has the Non-Permanent Resident Alien check box selected (field ID URLA.X1 and URLA.X2). Thefield is cleared and disabled for editing when the Non-Permanent Resident Alien check box is not selected.

CBIZ-27376

Calculate Qualifying Payment and Proposed Housing P&I for the NewURLA Forms

(Added on 3/21/2020)

Updates have beenmade to the calculations for qualifying payments and proposed housing P&I for loans withmultiple liens using the new URLA forms to enable lenders to capture themonthly principal and interestpayment associated with each loan.

Previously, if there weremultiple liens associated with a given transaction (either existing liens not being paidoff and being retained, or net new liens being originated concurrently with the existing transaction) theadditional payment from those liens was not automatically reflected in the proposed housing expense or thequalifying payment.

The value of the principal and interest payment is now being added to the appropriate fields for the qualifyingpayment (field IDs 1724 and 1725) and the proposed housing expense (field ID 228 and 229) based on the lienposition of each lien. Additionally, for qualifying loans where the loan purpose is for a second home orinvestment property, the additional payments are now factored only into the negative cash flow for the subjectproperty.

The Edit icons, which allowed accessed to the payment calculator pop-up window, have been removed fromthe Proposed Housing Expense fields (field IDs 228 and 229), which are now calculated and read-only. Userscan click the Lock icons next to the fields to edit the fields on the FNMA Streamlined 1003, USDAManagement, and 1003 URLA – Lender, for example, when the value imported from aMISMO 3.4 loan filedoes not match the value calculated by Encompass.

The Proposed Housing Expense fields (field IDs 228 and 229) on the Loan Submission input form areread-only and do not have Lock icons.


Migration

The payment calculations for these fields may update on any loans using the new URLA 2020 forms that aremandatory as on November 1, 2020. With the Encompass 20.1 release, these should be test loans only, but alender who upgrades to Encompass 20.1 after the URLA mandatory datemight see new calculations on loanswith VOAL records attached.

CBIZ-25896

HELOC Loans

HELOC Interim Interest Can Now Be Calculated Based on DrawAmount

Updates have beenmade to the HELOC Initial Payment section of the HELOC Management input form toenable lenders to accurately calculate any prepaid interest due on a HELOC loan when there is a gap betweenthe Closing Date and the day onemonth prior to the First Payment Date. HELOC loans can now use the drawamount or maximum balance as the basis for calculating interim interest based on the selection in theBalance Used drop-down (field ID 4484) in the HELOC Initial Payment section.

The HELOC Initial Payment amount (field ID 5) has beenmoved to the bottom of the HELOC Initial Paymentsection and the following fields have been added on the two lines above the HELOC Initial Payment:

n Interest from (field ID L244) – The date the loan funds are transferred.

n To (field ID L245) – The loan’s first payment dateminus onemonth.


n Daily Int. Charges - days (field ID 332) – The number of days of interest to be paid in advance. Thevalue is calculated for you using the dates in the Interest From and To fields. You can also type anumber in the field.

A Lock icon has been added to this field on all forms where it displays to enable user to manuallyadjust the amount.

n Daily Int. Charges - percentage (field ID 333) – The daily interest for the loan.

n Collect Interim Interest (field ID 4665) – This is a new check box that indicates whether the interiminterest is being collected for a HELOC loan. The check box is only enabled for selection when theHELOC check box is selected for the Loan Type (field ID 1172) and it is cleared by default. The checkbox can also be added to the Encompass Reporting Database and is available when configuring theHELOC Management Form in the Loan Program Template.

When the HELOC check box is selected for the Loan Type (field ID 1172) and the Calculate Interim Interestcheck box is selected the calculation for the Daily Interest (field ID 333) uses the following fields:

n When Initial Draw is selected on the Balance Used drop-down list, the Initial Draw (field ID 1888) isused to calculate the daily interest.

n WhenMaximum Balance is selected on the Balance Used drop-down list, the Loan Amount (field ID1109) is used to calculate the daily interest.

CBIZ-18814

Updates to the Daily Interest Charge Calculation for HELOC Loans

The calculation for the daily interest charges for a HELOC loan (field ID 333) has been adjusted so thatHELOC loans can now include or exclude prepaid interest as part of the daily interest charges.

When the Rate check box (field ID 4475) is selected in the HELOC Initial Payment section on the HELOCProgram tab on the HELOC Management input form, the daily interest charges for the loan (field ID 333) arecalculated according to the following logic:

1. Start with the interest rate charged base on the Rate Basis selection (field ID 4476).

2. Any percentage adjustment to the interest rate (field ID 4478) is divided by 36500 and then added orsubtracted (base on the selection in field ID 4477) to the amount determined in step 1.

3. Multiply the amount from Step 2 by the amount indicated in the Balance Used field (field ID 4484).


When the Rate check box (field ID 4475) is not selected in the HELOC Initial Payment section on the HELOCProgram tab on the HELOC Management input form, the daily interest charges for the loan (field ID 333) arecalculated according to the following logic:

1. Divide the Loan Rate (field ID 3) by 36500 (when 365/365 is selected for the Number of Days) or by36000 (when 365/360 or 360/360 is selected for the Number of Days).

2. Multiply the amount from Step 1 by the Initial Draw (field ID 1888) or Max Balance (field ID 2) basedon the selection in the Balance Used field (field ID 4484).

Bi-weekly payments are not accepted for HELOC loans. When the Biweekly checkbox (field ID 423) isselected for a HELOC Loan Type (field ID 1172), the daily interest rate is calculated on amonthly basis.

CBIZ-27835

Updated Calculation for the HELOC Initial Monthly Payment

The following adjustment has beenmade to the HELOC initial monthly payment calculation for HELOC loansthat include calculated interim interest in the initial payment. When the HELOC check box is selected for theLoan Type (field ID 1172) and the new Calculate Interim Interest check box (field ID 4665) is selected (in theHELOC Initial Payment section on the HELOC Program tab on the HELOC Management input form), thecalculation for the HELOC Initial Payment (field ID 5) uses the following logic:

n When 365/365 or 365/360 is selected for the HELOC Initial Payment Number of Days (field ID1962), the HELOC Initial Payment monthly payment is the HELOC Initial Payment interest per day(field ID 333) multiplied by the span of days from the Disbursement Date (field ID 2553) to the FirstPayment Date (field ID 682).

n Otherwise the HELOC Initial Payment monthly payment is the HELOC Initial Payment interest perday (field ID 333) multiplied by 30.

CBIZ-27442


Ability to Create a HELOC Table with a Negative Margin

Lenders can now create a HELOC dynamic historical table that has a negative value in the Default HistoricalMargin field. This enables lenders to create a table for the Important Terms of Our Home Equity Line of Creditthat provides customers with example data for a HELOC loan with a default historical margin lower theselected index rate. The tables are created in the HELOC Tables setting (Encompass > Settings > Tablesand Fees > HELOC Table).

CBIZ-26490

Free Entry Description Field for ARM Amortization Type Now Enabledfor HELOC Loans

In the Amortization Type section on forms as such as the Borrower Summary – Origination and 1003 Page 1,the free entry description field (field ID 995) and the Find icon (magnifying glass) next to the ARM check boxare now accessible when the HELOC check box is selected for the Loan Type (field ID 1172), regardless ofthe option selected for the Amortization Type (field ID 608). This enables lenders to enter a description andselect an index for HELOC loans when applicable. Previously, the field and icon were accessible only whenthe ARM checkbox was selected.

CBIZ-27336


Example Balloon Payment Balance Due Amount for Florida HELOCs

HELOC loans funded in the state of Florida require special language in their documentation that includes anexample of the balance due when there is a balloon payment at the end of the repayment period. To complywith this requirement, Encompass now calculates an estimated balance due amount for Florida HELOCs bycalculating a worst-case Payment Schedule at the fully indexed rate for the full loan amount.

CBIZ-25568

APR Calculation Adjustments for Fixed Rate HELOCs

(Added on 2/28/2020)

The following adjustment has beenmade to correctly calculate the APR for fixed-rate HELOCs:

n When the Teaser Rate (field ID 1482) is 0 (zero), the Annual Percentage Rate (field ID 799) ispopulated with 0 (zero).

n When the Teaser Rate (field ID 1482) is blank the Annual Percentage Rate (field ID 799) is populatedwith the Note Rate (field ID 3).

n When the Teaser Rate (field ID 1482) is not blank or 0 (zero), the Annual Percentage Rate (field ID799) is populated with the HELOC Draw PeriodMinimum Payment (field ID 1483).

Additionally, since the APR calculation is now available on fixed-rate HELOC loans, the Daily Periodic Rate(field ID 4549) and theMonthly Periodic Rate (field ID 4550) are now being calculated for those loans.Previously the periodic rate fields were disabled for fixed-rate HELOC loans.

CBIZ-28686, CBIZ-29538

ARM Loans

Warning When Selecting Discontinue National Average ContractMortgage Rate ARM Index Type

(Added on 2/28/2020)

The followingmessage now displays when the disbursement date for a loan is on or after May 29, 2019, andan Encompass user selects the National Average Contract Mortgage Rate option for one of the three ARMIndex Type drop-down lists (field IDs 1959, 4512, or LE2.X96):


The FHFA determined that due to dwindling participation, theMonthly Interest Rate Survey would bediscontinued as of May 29, 2019.

CBIZ-29155

Encompass Forms and Tools

Updated Text on the LO Compensation Violation Pop-Up Window andSetting

Updates have beenmade to the text that displays on the LOCompensation Violation pop-up windows thatdisplays in Encompass forms and in the pop-up window that displays in the LOCompensation Rule setting(Encompass > Settings > Business Rules > LO Compensation Rule).

The pop-up window displays in the setting when an administrator configures the setting in amanner that mayviolate loan officer compensation guidelines in Regulation Z. The citation number in the text has been changedfrom 12 CFR 226.36(d)(2) to 12 CFR 1026.36(d)(2).

The pop-up window displays in Encompass forms when an administrator enables the warning and anEncompass user indicates that fees will be paid to the broker in amanner that may violate the loan officercompensation guidelines in Regulation Z. The citation number in the text has been changed from 12 CFR226.36(d)(2) to 12 CFR 1026.36(d)(2) and the phrase the Lender or has been inserted as shown below.


CBIZ-25304

Updated Mapping for the HOEPA Status Field


The logic for populating the HOEPA Status (field ID HMDA.X13) has been updated. Previously, the HOEPAStatus was populated with Not applicable for any loans that were ATR/QM exempt. However, because someHOEPA loans that are ATR/QM except are still HMDA reportable as high cost loans, the following updatedlogic is now being used to populate the HOEPA Status (field ID HMDA.X13):

n Not applicable is populated when:

n Any option other that Active Loan, Loan Originated, or Purchase Loan is selected for theAction Taken (field ID 1393).

n Active Loan, Loan Originated, or Purchase Loan is selected for Action Taken (field ID1393) and:

n The Reverse Mortgage option is selected for the ReverseMortgage field (field IDHMDA.X56)

n Or the Loan Purpose (field ID 19) is Construction.

n High cost mortgage is populated when the Section 32Qualification section on the Section 32HOEPA input form indicates that the loan does qualify as a high cost mortgage.

n Not a high cost mortgage is populated when the Section 32Qualification section on the Section 32HOEPA input form indicates that the loan does not qualify as a high cost mortgage.

CBIZ-26181


Updated Option on the Freddie Mac Offering Identifier Drop-Down List

The 310:Relief Refinance - Open Access option on theOffering Identifier drop-down list (field IDCASASRN.X163) in the FreddieMac Data section on the FreddieMac Additional Information input form. hasbeen updated to 310:Relief Refinance - Open Access (Retired 12/31/2018). This has beenmade toaddress FreddieMac’s retirement of the option for all loans that do not have an Application Received Date onor before December 31, 2018 and a Settlement Date on or before September 30, 2019.

This change applies to both the old and new URLA input forms.

CBIZ-27617

New Purchase Credit Source Section Added to the Freddie Mac Additional Data Input Form

A new Purchase Credit Source section with 12 read-only fields has been added to the Freddie Mac Additional Data input form for loans using the new URLA forms.

The description and amount fields are populated when entries are made in the credit fields (field IDs 202, 1091, 1106, and 1646) on the 2015 Itemization, Construction Management (Linked Loans tab), FNMA Streamline, USDA Management (Rural Assistance URLA Page 4), Piggyback Loans, or Cash-to-Close input forms, or on the on the 1003 URLA –Lender input form in the new URLA forms.

Four new Source fields (field IDs 4667, 4668, 4669, and 4670) have been added to the Purchase Credit Source section to enable Encompass users to identify the source of the credit. These fields are enabled only when a description has been populated for a credit. The following Source options are available on the drop-down lists:

n Borrower Paid Outside Closing

n Builder Developer

n Employer

n Federal Agency

n Lender

n Local Agency


n Non-Parent Relative

n Parent

n Property Seller

n Real Estate Agent

n State Agency

n Unrelated Friend

CBIZ-27617

Title Company Selected from the Business Contacts Populate to FileContacts Tool

When the Address Book icon is used to populate a Title Insurance Service (field ID NEWHUD.X202) for aloan from the Business Contacts, the contact information is copied to the Title Insurance Company entry inthe File Contacts tools.

If an Encompass user later overwrites the contact name in the Title Insurance Service field (field IDNEWHUD.X202), the information previously copied to the File Contacts tool is not overwritten.

CBIZ-27613


Borrower Pair ID Field Added to Encompass and Encompass ReportingDatabase

A new Borrower Pair ID field (field ID BORPAIRID) has been added to the EncompassFields.xml (dat) file foruse when running batch loans through FreddieMac’s Loan Product Advisor. The new field is a 256-characterstring field that is mapped to the Borrower ID in Encompass for the primary borrower in a borrower pair. TheBorrower Pair ID can be added to the Encompass Reporting Database and can be used to run reports. Whenthe borrower and co-borrower are swapped within a pair, the Borrower Pair ID is updated to the Borrower IDassociated with the new primary borrower for the pair.

CBIZ-27619

New Fields Added to Encompass Reporting Database to Enable FloodInvoice Reconciliation

The following fields have been added to the Encompass Reporting Database to enable Encompass TotalQuality Loan (TQL) users to reconcile monthly flood invoices:

n TQL - Flood billing - Flood Transaction Type (field ID TQL.X102)

n TQL - Flood billing -Flood Product Type (field ID TQL.X103)

n TQL - Flood billing -Flood Status (field ID TQL.X104)

n TQL - Flood billing -FloodOrder Date (field ID TQL.X105)

n TQL - Flood billing -Flood Received Date (field ID TQL.X106)


These fields are being added to support new functionality in the Ellie Mae TQL Services 20.1 release and theyapply to TQL users only. TQL users can order a flood report from CoreLogic or ServiceLink and run floodtransaction reconciliation reports based on the data returned to the Encompass Reporting Database.

CBIZ-27639

Seven New Fields Added for Fannie Mae EarlyCheck Data

The following seven new fields have been added to the Encompass Reporting Database to provide access toFannieMae EarlyCheck data:

n EarlyCheck UCDP Last Submission Date/Time (field ID FANNIESERVICE.X7)

n EarlyCheck Document File ID (field ID FANNIESERVICE.X8)

n EarlyCheck Appraisal Value (field ID FANNIESERVICE.X9)

n EarlyCheck DU Underwriting Recommendation Code (field ID FANNIESERVICE.X10)

n EarlyCheck DU Latest Submission Date Time (field ID FANNIESERVICE.X11)

n EarlyCheck DU Latest Submission Number (field ID FANNIESERVICE.X12)

n EarlyCheck DU Casefile ID (field ID FANNIESERVICE.X13)

CBIZ-28520

New SOFR Options for ARM Index Type

(Added on 3/27/2020)

A new 30-Day Average SOFR option has been added to the ARM Index Type drop-down lists in Encompass.After September 30, 2020, the SOFR indices will be used for ARM loans in place of the LIBOR indices, whichwill no longer be accepted by GSEs. The option has been added to the following locations:

n The ARM Index Type drop-down list (field ID 1959) on forms such as the REGZ-LE, REGZ-TIL, andHELOC Management.

n The ARM Index Type drop-down list (field ID 4512) on the Lock Request Form tool.

n The ARM Index Type drop-down list on the Loan Program Template.

n The ARM Index Type drop-down list in the Details section of the pop-up window that opens afterclicking the Find icon next to the Loan Program field (field ID 1401).

n The index drop-down list (field ID LE2.X96) on the Adjustable Interest Rate (AIR) Table on forms suchas the Loan Estimate Page 2 and the Closing Disclosure Page 4.


Please visit the LIBOR Transition Support page for more information and resources.

CBIZ-30824

New Repeatable Automated Valuation Method Fields for Use with AVM Partners

(Added on 3/21/2020)

The following 15 new automated valuation method (AVM) fields have been added to Encompass to support the import of data from AVM partners. The fields are repeatable fields that can be used to capture the same type of data for multiple AVM records. The fields do not display on existing Encompass input forms, but they can be added to custom forms and business rules, and they are available in the Encompass Reporting Database.

n AVM Property Value (field ID PVAL0001)

n AVM Property ID (field ID PVAL0002)

n AVM Product (field ID PVAL0003)

n AVMConfidence Score (field ID PVAL0004)

n AVMConfidence Score Alt (field ID PVAL0005)

n AVMRange Low (field ID PVAL0006)

n AVMRange High (field ID PVAL0007)

n AVMRetro Date (field ID PVAL0008)

n AVMComplexity Score (field ID PVAL0009)

n AVM FSD (field ID PVAL0010)

n AVMReport ID (field ID PVAL0011)

n AVMReport Completed Date/Time (field ID PVAL0012)

n AVMReport Ordered Date/Time (field ID PVAL0013)

n AVM Provider (field ID PVAL0014)

n Property Valuation Type (field ID PVAL0015)

CBIZ-29179


https://help.elliemae.com/documentation/encompass/Content/encompass/addl_info/libor-support.htm

Updates to the State-Specific Disclosure Information Input Form forMaryland

(Added on 2/28/2020)

A new Maryland First Time Homebuyer section with a new First Time Homebuyer check box (field IDDISCLOSURE.X1213) has been added to the bottom of the State Specific Disclosure Information input formfor loans on subject properties located inMaryland. The check box has been added to address a provision intheMaryland property tax law, which states that:

n The loan has only one borrower who has never owned real estate in the state of Maryland that wasused as the borrower’s principal residence.

n If the loan has two or more guarantees, the check box cannot be selected unless:

n Each guarantee is a first-timeMaryland homebuyer.

n Or a co-maker or guarantor of a purchasemoney mortgage or purchasemoney deed of trust forthe property will not occupy the subject property as a principal residence.

CBIZ-29481


Update to the Vermont State Specific Information Input Form

A new check box (field ID DISCLOSURE.X432) and a new text entry field (field ID DISCLOSURE.X433)have been added to the Commitment Letter section of the State Specific Disclosure input form for Vermont toindicate that the Commitment Letter was delivered to the borrower less than 24 hours before closing and toprovide a text entry field describing why the letter was delivered after the required delivery time.

CBIZ-20116


Closing Deadline Field Added to State-Specific Disclosure InformationInput Form for Vermont

(Added on 2/28/2020)

A new Closing Deadline date field (field ID DISCLOSURE.X1212) and a Calendar icon field have been addedto the bottom of the Commitment Letter section on the State-Specific Disclosure Information input form forloans with a subject property located in the state of Vermont. This field is used to enter a date when a loancommitment requires closing to occur more than 24 hours prior to the commitment expiration date.

CBIZ-29264

ATR/QM Update for Original Creditor Check Boxes


An update has beenmade to the Non-Standard to Standard Refi tab on the ATR/QMManagement inputform to replace the two Refinance with Original Creditor check boxes (field ID QM.X2) with new Creditor iscurrent holder or servicer check boxes (field ID QM.X379). This update was made to indicate that the loanis being refinanced by the creditor who holds or services the current loan in accordance with the definition of"original creditor" for purposes of 12 CFR 1026.23, which differs from the definition under 12 CFR 1026.43(d).

The Refinance with Original Creditor check box (field ID QM.X2) is still available on other Encompassforms, for example the 1003 Page 1, 1003 URLA – Lender, FNMA Streamline 1003, RegZ-CD, RegZ-LE,and Rural Assistance URLA.

CBIZ-26848


Updates to Texas State Specific Disclosure Information Input Form

(Added on 5/7/2020)

To comply with new state requirements effective May 1, 2020, the State-Specific Disclosure Information input form for Texas has been updated with the following changes.

Conditional Qualification Letter Section

The three lines previously located below the Loan type and Description line, have been replaced with a single line.

Previous text

Current text

In the section describing information provided by the applicant:

n The check boxes used to indicate whether the applicant provided information verbally or in writinghave been removed.

n The label for the second set of check boxes has been change from Available cash for downpayment and payment of closing costs to Available cash to close.

At the bottom of the section, a Conditional Pre-Qualification Expiration Date field (field IDDISCLOSURE.X1211) and a Calendar icon have been added to record the expiration date of the conditionalprequalification.


Conditional Approval Letter Section

The line for Secondary financing terms has been removed and the label for the Verified cash for downpayment and payment of closing costs check boxes has been changed to Verified Applicant availablecash to close.

Previous version

Current version

CBIZ-29474


Construction Loans

Construction Loan Fields Enabled Regardless of Loan Purpose


To enable renovation loan data to be captured even when a loan is coded as a purchase or refinance loan, thefollowing fields are enabled and editable by default on loans using the URLA 2009 forms, regardless of theoption selected for the Purpose of Loan (field ID 19):

n Year Aqd (field ID 20)

n Original Cost (field ID 21)

n Existing Lien (field ID 10)

n Present Value of Lot (a) (field ID 22)

n Cost of Improvements (b) (field ID 23)

These fields display on the 1003 Page 1, FNMA Streamlined 1003, USDA Management, and ConstructionManagement input forms. Previously the fields listed above were only enabled when the Construction orConstruction - Perm option was selected for the Purpose of Loan. The behavior described above has alreadybeen implemented in loans using the new URLA input forms.

CBIZ-28504

Update to Construction-to-Permanent Fixed-to-Fixed Rate (STEP)Loan Disclosures


To enable lenders to correctly disclose the interest changes for a construction-to-permanent loan with blendeddisclosures and a fixed rate for both phases of the loan, adjustments have been in the Can this amountincrease after closing? section in the Loan Terms section on the Loan Estimate Page 1 and ClosingDisclosure Page 1.




When the interest rate for the construction phase of the loan (field ID 1677) is greater than the interest rate forthe permanent phase (field ID 3), No displays in the drop-down list (field ID NEWHUD.X5) in the Interest Ratesection.

When the interest rate for the construction phase of the loan (field ID 1677) is less than the interest rate for thepermanent phase (field ID 3), Yes displays in the drop-down list (field ID NEWHUD.X5) in the Interest Ratesection, the first bulleted point now reads Adjusts once in, and the fields that formerly displayed theadjustment date year or month (field IDs LE1.X21 and LE1.X22) have been replaced with field IDs LE1.X15and LE1.X16.

CBIZ-28525

Lot/Land Status for Construction-Perm Loans Importing from a MISMO3.4 File


When importing aMISMO 3.4 file into a loan using the new URLA forms, the following logic is used to populatethe Initial Acquisition (field ID 1964) and Refinance (field ID Constr.Refi) check boxes when the Purpose ofLoan (field ID 19) is Construction-Perm. These check boxes display on the ConstructionManagement,RegZ – CD, RegZ – LE, and 1003 URLA Lender input forms.

When the imported URLA Loan Purpose in theMISMO 3.4 file is Purchase(<LoanPurposeType>Purchase</LoanPurposeType>):

n The Initial Acquisition check box (field ID 1964) is selected.

n The Refinance check box (Constr.Refi) is cleared.

When the imported URLA Loan Purpose in theMISMO 3.4 file is Refinance (<LoanPurposeType> Refinance</LoanPurposeType>):

n The Initial Acquisition check box (field ID 1964) is cleared.

n The Refinance check box (Constr.Refi) is selected.



These fields are used to calculate a value of Purchase or Refinance in the Display Loan PurposeType for Property field (field ID URLA.X71). This field does not display on any Encompass input formsor tools, but it can be used to display the URLA Loan Purpose on custom forms or to include the value inreports.

CBIZ-26251

Escrow Updates

APIs Can Now Be Used to Set Escrow Due Dates

(Added on 3/21/2020)

Updates have beenmade to the Encompass calculation used for initial escrow setup to enable due dates to bepopulated via APIs. Previously the Encompass calculation would clear any due dates entered by APIsbecause no setup values were entered.

CBIZ-30326

Trade Management

Updates to Correspondent Trade Pair-Offs

(Added on 3/21/2020)

Why we made these updates: These enhancements change the number of pair-offs allowed for aCorrespondent trade and adds a validation to pair-offs. In addition, other changes to support pair-offs havebeenmade.

Updates to Pair-Offs

(Added on 3/21/2020)

Modified Number of Pair-Offs Allowed

Currently in Encompass, amaximum of four (4) pair-offs for a Correspondent trade is allowed. In this release,pair-offs are no longer capped at 4 and instead are allowed until the open amount is within tolerance.

SEC-15767


Updates to Correspondent Trade Pair-Off Input Form

n Currently in Encompass, when a pair-off is added, there is no way to know who requested the pair-offor enter any comments. In this release, new Requested By and Comments fields have been added tothe Correspondent Trade Pair-Off input form. In addition, the input form has been renamed from “LoanTrade Pair-Off” to “Correspondent Trade Pair-Off”.

SEC-15955

n Currently in Encompass, the only way to remove a pair-off is to delete it. In this release, the behaviorof pair-offs has been updated to enable pair-off reversals, which will ensure there is a history of thetransaction.

n Negative numbers can be entered in the Trade Amount field.n A negative trade amount is only allowed if there is an existing pair-off entry.

n When a negative trade amount is saved, the entry is saved as a positive amount in thePair-Off grid.

n All pair-off entries now require the last entry to be deleted first.

n Updated calculations for a reversed pair-off.

n The positive trade amount will be added back to the Total Pair Off Amount andOpenAmount.

n The Total Gain/Loss will be updated by the reversed Pair-Off Gain/Loss.

n Added an additional validation for pair-offs.

n A new validation will ensure the negative trade amount is not greater than the Total PairOff Amount. If the validation fails, an error message “The Pair-off reversal cannotexceed the Total Pair-off amount.” is displayed.

SEC-15910


Added Validation to Pair-Offs

Currently in Encompass, no validations are applied when pair-offs are added to a Correspondent trade. In thisrelease, a new validation will be performed when a pair-off is added to ensure the trade amount does notexceed the open amount. If the validation fails, an error message “The trade amount of the pair-off cannot begreater than the open amount.” is displayed.

SEC-15766

Updates to Commitments

(Added on 3/21/2020)

Why we made these updates: These enhancements provide new Bulk AOT and Co-Issue deliverytypes. In addition, other changes to support commitments have beenmade.

Updates to the Company Details Commitments Tab

(Added on 3/21/2020)

New Delivery Types

Currently in Encompass, investors canmanage the commitment authority of their sellers and determine theaccepted delivery types. In this release, two new delivery types, Bulk AOT and Co-Issue, have been added.


n Bulk AOT

n Bulk AOT Correspondent trades will be included in the calculation for OutstandingCommitments and Percentage of Max.

n Bulk AOT Delivery Type Enabled, Bulk AOT Delivery TypeOutstanding Comms, and Bulk AOTDelivery Type Pct of Max fields have been added to the Encompass Reporting Database.

n Co-Issue -When a selling lender transfers the servicing rights for amortgage loan to aGSE approvedservicer at the same time it sells the loan to the GSE.

n Co-Issue Correspondent trades will be included in the calculation for Outstanding Commitmentsand Percentage of Max.

n Co-Issue Delivery Type Enabled, Co-Issue Delivery TypeOutstanding Comms, and Co-IssueDelivery Type Pct of Max fields have been added to the Encompass Reporting Database.

SEC-15800, SEC-15845


New Daily Volume Limit Field and Best Efforts Policies Added

Currently in Encompass, investors can only set amaximum commitment authority for their sellers. In thisrelease, the ability to define themaximum number of locks allowed per day has been added.

The daily limit for Best Efforts locks only apply to the initial lock request submitted for the lock date.

n Daily Volume Limit field

n The Daily Volume Limit cannot exceed theMax Commitment Authority.

n If the amount is exceeded, a warningmessage “The Daily Volume Limit cannot bemorethan theMax Commitment Authority.” is displayed.

n If an amount is not entered, the Policy for loans that exceed Daily Volumewill have no effect.

n Policy for Best Efforts Tolerance

n If “Flat Tolerance” is selected as the Tolerance Control Option, a Flat Tolerance% field isdisplayed.

n If “Conditional Tolerance” is selected as the Tolerance Control Option, a Lesser of % or $ fieldsare displayed. Enter both a percentage and dollar amount to send the conditions.


n Policy for loans that exceed Daily Volume Limit

n "No Restrictions" enables sellers to lock loans over the daily volume limit.

n "Don't allow lock" (default) restricts sellers from locking loans that are over the daily volumelimit amount.

n If the policy is violated, a warningmessage “The loan amount exceeds the availableamount of the daily volume limit.” is displayed and the seller cannot submit the lockrequest.

This is the default message but it can be customized.

n If a Daily Volume Limit is not entered, this policy will not be in effect.

SEC-15840, SEC-15901

New Policy for Mandatory Tolerance

Currently in Encompass, the trade tolerance is manually set on the Correspondent Trade Details. In thisrelease, a new policy that enables investors to configure the tolerance for each TPO has been added. When atrade is created, the tolerance will bemapped from this new policy. Themapped tolerance can be overriddenon the Correspondent Trades Details tab by clicking the Lock icon next to the Tolerance field.

The policy is enabled when theMandatory check box is selected.

n By default, the policy is blank. If no option is selected, the Tolerance field on the Correspondent TradeDetails tab can continue to bemanually entered.

n If “Flat Tolerance” is selected as the Tolerance Control Option, a Flat Tolerance % field isdisplayed.

n If “Conditional Tolerance” is selected as the Tolerance Control Option, a Lesser of % or $ fields aredisplayed.

n Enter a tolerance percentage for mandatory trades and a dollar amount for the delivery variance.

SEC-15848, SEC-16018


Updates to Correspondent Trades

(Added on 3/21/2020)

New Co-Issue Delivery Type

A new “Co-Issue” Delivery Type has been added to the Correspondent Trade tab to execute concurrenttransfers of servicing.

n When “Co-Issue” is selected, a new Co-Issue Information section is displayed where the following datais entered:

n Whether the Fund Type is “Flow” or “Bulk”.

n Whether the Origination Rep & Warrant Type is “Bifurcated” or “Non-Bifurcated” (standard).

n The Agency Name: “FNMA”, “FHLMC”, or “GNMA”.

n Whether the Agency Delivery Type is “MBS” or “CashWindow”.

n The Doc Custodian, selected from Business Contacts or manually entered.


In addition, the Co-Issue fields have been added to the Correspondent Trades View and the EncompassReporting Database.

n Correspondent Trades View - The fields can be displayed via Customize Columns.

n Encompass Reporting Database – The fields have been added to the Correspondent Trade Reports.

n Fund Type

n Category - Correspondent Trades

n Description - Fund Type

n Field ID - CorrespondentTrade.FundType

n Origination Rep & Warrant Type


n Description - Origination RepWarrant Type

n Field ID - CorrespondentTrade.OriginationRepWarrantType

n Agency


n Description - Agency Name

n Field ID - CorrespondentTrade.AgencyName

n Agency Delivery Type


n Description - Agency Delivery Type


n Field ID - CorrespondentTrade.AgencyDeliveryType

n Doc Custodian


n Description - Doc Custodian

n Field ID - CorrespondentTrade.DocCustodian

SEC-15878, SEC-16002

New Bulk AOT Delivery Type

A new “Bulk AOT” Delivery Type has been added to the Correspondent Trade tab.

n When “Bulk AOT” is selected:

n The Pricing tab is not displayed.

n The View eligible loans check box is not displayed on the Loans tab.

n When assigning loans to a Bulk AOT, the loan number and price or theWeighted Average Bulk Pricemust bemanually entered.

SEC-16019


Support for Authorized Trader


Why we made these updates: These enhancements enable Correspondent investors to create customcommitment confirmations as an output form from Correspondent trades.

New Authorized Trader Personas Setting Added


A new Authorized Trader Personas setting has been added under TPOContacts on the Personas ExternalSettings tab tomanage which TPO users can execute trades. This will enable the lock desk to know andrecord which users are authorized to execute trades on behalf of the TPO.

n By default, Super Administrators have this setting enabled. Other users must have this setting enabledfor them.

n New Personas created with Access to All Features selected will have this setting enabled.

n Existing Personas with Access to All Features selected will not have this setting enabled.

SEC-15894



New Allow Publish Event for Correspondent Trades Setting Added toTrade Management Setup


A new Allow Publish Event for Correspondent Trades setting has been added in the TradeManagementTabs section of the TradeManagement Setup that creates a new publish date/time stampwhen trades arepublished and enables “Unpublished” trades to be filtered out from Encompass TPOConnect.

SEC-16082

New Authorized Trader Field Added to Correspondent Trades DetailsTab


A new Authorized Trader field has been added to the Correspondent Trade Details tab to support the creationof custom commitment confirmations as an output form from Correspondent trades . The drop-down field liststhe users authorized to execute trades for the TPO.

A TPO user must have the Authorized Trader Personas setting enabled to be included in the drop-downlist.




In addition, the field has been added to the Encompass Reporting Database.

On the Correspondent Trades view, an Authorized Trader column can be displayed if selected in theCustomize Columns window.

SEC-15902


New Publish Trade Button Added to Correspondent Trades Pipeline

If your administrator has enabled the ability to publish Correspondent trades, a new Publish Trade button willbe displayed on the Correspondent Trades View.

n Unpublished is the default status for a new trade unless you published the trade at the time youcreated it.

n A system-generated Last Published Date and Time field has been added to the CorrespondentTrades View.

n This field has also been added to the Correspondent Trade reports.

n Field ID = CorrespondentTrade.LastPublishedDateTime


To Publish an Unpublished Trade:

1. Highlight a trade or trades, and then click Publish Trade.

n A trade can be republished. The trade will retain its previous status (e.g., Committed,Delivered, etc.) but the Last Published Date and Time will be updated to the currentdate/time.

2. Click Yes when prompted to confirm the publication of the trade.

n The status of the trade is set to Committed.

n The current date/time is populated in the Last Published Date and Time column.

n A Publish event is added to the trade’s history log.

When you exit a trade, you will be presented with the opportunity to publish the trade. A message “Thecorrespondent trade is unpublished. Do you want to publish the trade now.” is displayed.

n Click Yes and the trade is published after exit.

n Click No and the trade is not published after exit.

SEC-15903

Updates to History Log for Correspondent Trades

Why we made these updates: These enhancements expand the events tracked in Correspondent tradehistory logs. The log will now record commitment status changes, changes to fields on the Details tab, andpair-off transactions. Log entries will include the user that initiated the change and the date/time thechange was made.

Updates to Correspondent Trade Notes/History Tab

The Notes/History tab for Correspondent trades has been updated to providemore information on changesmade to a trade.


n Added new History Details grid:

n Records the date and time when a trade is created, updated, or published.

n Records changes to fields on the Details tab, including the user that made the change and thedate/time the change was made.

n Records changes to pair-off transactions, including the user that made the change, the date/timethe change was made, and the status of the pair-off (created, reversed, removed, edited).

n Added new events to the History section:

n Commitment status changes

n Changes to fields on the Details tab

n Pair-off transactions

n Any comments added to pair-offs on the Correspondent Trade Details tab.

When a comment is updated, the change will be displayed in red in the history log.

SEC-15961, SEC-16074, SEC-16573

Additional Enhancements

Updated Access to Trades Tab Personas Setting onTrades/Contacts/Dashboard/Reports Tab

(Added on 3/21/2020)

Currently, Encompass grants full rights (e.g., create, edit, delete, etc.) to users with the Access to TradesTab Personas setting selected on the Trades/Contacts/Dashboard/Reports tab. In this release, the behaviorof the Access to Trades Tab setting has beenmodified and a new Edit Trades setting has been added.

Existing Personas with the Access to Trades Tab setting selected will automatically have the new EditTrades setting selected.


n If Access to Trades Tab is selected, users will have read only access to trades. They will not havethe ability to create or make changes to trades.

n If Edit Trades is selected, users will have the ability to create andmake changes to trades.

SEC-15842

New Trade Status Categories Added for Correspondent Trades

Currently, Encompass displays a completion percentage in the Correspondent Trades View that representsthe percentage of loans allocated to a trade. This metric helps track when a trade is fully assigned, but not aseller’s obligation to fulfill a commitment. In this release, additional metrics have been added to determine howmuch has been delivered to the investor, purchased by the investor, and rejected by the investor.

Correspondent Trades View

New Delivered, Purchased, and Rejected amount and percentage column options have been added. You candisplay them in your Correspondent Trades View by using Customize Columns.

The Completion Percentage column header has been renamed to Assigned Percentage.

Any views created before this release will still display the Completion Percentage column header. Newviews created from this release on will use the Assigned Percentage column header.


Correspondent Trades Loan Tab

Six new statistics have been added to the bottom of the Loans tab, and one existing statistic has beenrenamed. To view the percentages, hover your cursor over an amount in blue (e.g., Assigned Amt or DeliveredAmt).

n Assignment % (formerly Assignment Completion) - Sum of all the loans assigned to the traderegardless if they have been delivered or purchased, but it does not include rejected loans.

n Delivered Amt - Sum of the loan amounts of all loans allocated to the trade with a date populated infield 3917 or field 4119. Dates populated in fields 3567, 3940, 4242, 4120, 4207, or 4208 are notcounted in this calculation.

n Delivered % - (Delivered amount + Trade amount of all pair-offs)/Trade Amount * 100.

n Purchased Amt - Sum of the purchased principal of all loans allocated to the trade with a valuepopulated in field 3579 and a date populated in field 3567. Dates populated in fields 3940, 4242, 4120,4207, or 4208 are not counted in this calculation.

n Purchased % - (Purchased amount + Trade amount of all pair-offs)/Trade Amount * 100.

n Rejected Amt - Sum of the loan amounts of all loans allocated to the trade with a date populated infield 3940.

n Rejected % - (Rejected amount + Trade amount of all pair-offs)/Trade Amount * 100.

Correspondent Trade Reports

Six new fields have been added to the Correspondent Trade reports.

The Field ID for Assigned Percentage (CorrespondentTrade.CompletionPercent) has remained thesame. The only change was made to the column header label (formerly Completion Percentage)displayed on the Correspondent Trades View.

n Field ID = CorrespondentTrade.DeliveredAmount (Delivered Amount)

n Field ID = CorrespondentTrade.DeliveredPercentage (Delivered Percentage)

n Field ID = CorrespondentTrade.PurchasedAmount (Purchased Amount)

n Field ID = CorrespondentTrade.PurchasedPercentage (Purchased Percentage)

n Field ID = CorrespondentTrade.RejectedAmount (Rejected Amount)

n Field ID = CorrespondentTrade.RejectedPercentage (Rejected Percentage)

SEC-15900


Commitment Statuses Updated for Correspondent Trades

Currently in Encompass, you can only update the status of a Correspondent trade to Archived or Voided. Inthis release, the statuses for Correspondent trades have been updated to enable Correspondent buyers toeasily determine the disposition of their trades by enabling statuses to bemanually updated. In addition, theCorrespondent trade will automatically update to Settled if certain criteria aremet.

Correspondent Trade Status

The statuses displayed in the Status drop down list have been updated to be specific to Correspondenttrades.

This change to the available statuses for Correspondent trades will also be reflected in Encompass TPOConnect.

n The Unpublished status is new. It is only displayed if your administrator has enabled the ability topublish Correspondent trades.

n The None, Shipped, and Purchased statuses have been removed.

n The Archived and Voided statuses have been removed from the Current View, but can be accessedfrom the Archived Trades View or Voided Trades View, respectively.


Update Status

A new Update Status button has been added tomanually update the status of commitments.

n When the button is clicked, a popup window is displayed where you can select from three statuses:Committed, Delivered, or Settled.

n If the status is currently Committed, Delivered, or Settled, that status will be disabled in the popupwindow.

n If your administrator has enabled the ability to publish Correspondent trades, you cannot manuallyupdate the status if the trade has not been published (status is Unpublished).

n If the trade is in Pending status, you cannot manually update the status.

n If a trade goes into Pending status before a status update occurs, an error message “CorrespondentTrade XXX is in pending status and cannot be updated.” is displayed.

n When a commitment status is manually updated, the history log will indicate the update was donemanually.

Other Updates

n Commitments are automatically updated to Settled status if all allocated loans are purchased, thetrade is within tolerance, and the commitment expiration date plus 2 days is less than or equal to thecurrent date upon accessing the trade directly or from the Correspondent Trades View.

n The archive validation violationmessage has been updated to state “The loans associated with thisCorrespondent Trade XXX must be settled and the trademust be in tolerance before archiving.”

SEC-15909


Electronic Document Management

(Added on 3/21/2020)

eFolder Sell Conditions Tab Renamed


The eFolder Sell Conditions tab has been renamed the Delivery Conditions tab. This change was made to support partners who may have delivery conditions other than sell conditions. Additionally, two new buttons (Deliver Condition Responses and Condition Delivery Status have been added for use with Encompass Investor Connect (this service is available only in Encompass Banker Edition).

Updates to the eFolder and Encompass Settings

(Added on 3/21/2020)

To support updates and enhancement in the Encompass Investor Connect feature, updates were made to the Encompass eFolder and to the settings that control access to eFolder features. For details, refer to the entries for eFolder Updates for Importing Conditions from Encompass Investor Connect and Settings Updates to Support Encompass Investor Connect in these release notes.


Encompass Investor Connect

(Added on 3/21/2020)

The Encompass 20.1 release includes updates that support the following new and enhanced features inEncompass Investor Connect:

n Changes have beenmade to the Encompass eFolder to update how conditions sent via EncompassInvestor Connect are imported into the eFolder and to support a new Delivery Conditions workflow thatenables lenders to receive and send delivery conditions for Encompass Investor Connect partnersmore easily and effectively within Encompass.

n Updates have beenmade to the Encompass Settings to support the new and updated featuresdescribed above and to give users access to the options in these features.

n Four new fields have been added to Encompass to track the status, time, and recipient of loanpackages sent via Encompass Investor Connect. These fields can be added to the EncompassPipeline, the Encompass Reporting Database, and business rules.

eFolder Updates for Importing Conditions from Encompass InvestorConnect

(Added on 3/21/2020)

The eFolder Sell Conditions tab has been renamed the Delivery Conditions tab. This change was made tosupport additional partner services that Encompass Investor Connect will offer in the future (for example,warehouse lending and due diligence) that may have conditions other than sell conditions.

Import Options for Delivery Conditions

Starting with the Encompass 20.1 release, all conditions imported via Encompass Investor Connect will beimported into the Delivery Conditions tab.

Beginning with Encompass 20.1, the new Encompass Investor Connect delivery conditions workflowwill be released and any conditions imported through the Import Conditions window in earlier versions ofEncompass (versions 19.2, 19.3, and 19.4) will now be added to the Sell Conditions tab, even if anothertab is selected as the destination during the import process.


The previous option to Import Conditions via Encompass Investor Connect has been removed from thePreliminary Conditions, Underwriting Conditions, and Post-Closing Conditions tabs in the eFolder. Forexample, the image below shows the Add Conditions window from the Preliminary Conditions tab inEncompass 19.4 (left) and Encompass 20.1 (right).

Two import options are now available on the Add Conditions window that opens when you click the Add iconon the Delivery Conditions tab in the eFolder or when you click a Conditions Details Receivedmessage on theAlerts & Messages tab in the Encompass Loan Log. Previously there was only one import option, ImportConditions, which enabled users to review all available conditions, and then select and import conditions intothe eFolder.

The two new options deliver the following functionality:

n Import all Conditions – Imports all available conditions directly into the Delivery Conditions tab in asingle action without reviewing the conditions individually.

n Review and Import Conditions –Review the available conditions on a pop-up window, select theconditions you want to import, and then import the selected conditions. This option provides aworkflow similar to the import option that was available in previous releases of Encompass InvestorConnect.

DND-5357


Delivery Conditions Workflow

(Added on 3/21/2020)

Encompass Investor Connect provides a new workflow that enables lenders to receive and send deliveryconditions for Encompass Investor Connect partners more easily and effectively within Encompass. Thisworkflow is available only when a lender is working with Encompass Investor Connect partners who haveconfigured the delivery conditions workflow functionality on their end.

With the Encompass 20.1 release, a lender who is working with these partners can send condition responsesback to partners electronically. Partners can also send the lender updates for previously sent conditions.Encompass Investor Connect tracks the conditions as they are received and sent, applies information to anexisting condition when a partner sends an update, and adds detailed tracking entries for the conditions to theHistory tab in the eFolder.

To support this new workflow, two new buttons have been added to the Delivery conditions tab (former knownas the Sell Conditions tab):

n The Delivery Condition Responses button opens a window where lenders can review and selectconditions that are ready to return to a partner. From the window, lenders can electronically send theconditions to partners without resubmitting the entire loan package.

n The Condition Delivery Status button opens a window where lenders can view the status ofconditions that have been sent to partners.

A detailed description of the workflow is provided in the Encompass Investor Connect 20.1 release notes.

DND-5352

Settings Updates to Support Encompass Investor Connect Enhancements

(Added on 3/21/2020)

Updates have been made to Encompass settings to support these enhancements. For details, refer to the

Settings Updates to Support Encompass Investor Connect entry in these release notes.


https://help.elliemae.com/documentation/investor-connect/Content/InvestorConnect/Welcome.htm

Encompass Settings

Microsoft .NET 4.7.2 Framework Now Required


Microsoft .NET 4.7.2 Framework Required for Encompass 20.1

As discussed in the Encompass 19.4 release notes, the release of Encompass 20.1 will require thatEncompass users’ machines haveMicrosoft .NET Framework 4.7.2 installed. As first discussed in theEncompass 19.2 release notes, due to its size, we encourage our customers to proactively install the .NETFramework 4.7.2 on users’ machines in advance of the Encompass 20.1 release.

With the release of Encompass 19.4, administrators could use a new policy in the Encompass Admin Tools todetermine if theMicrosoft .NET Framework 4.7.2 would be installed on existing users’ machines the next timethey logged into Encompass 19.4. By default, this Apply .NET Framework 4.7.2 policy is set to False, so theFramework would not be applied automatically.



In Encompass 20.1, this Apply .NET Framework 4.7.2 policy has been removed from the Policies in AdminTools. Administrators will no longer have this option to control when the .NET Framework 4.7.2 is installed onusers’ machines. When Encompass 20.1 applied to your system, the Encompass Smart Client install kit willautomatically install the .NET Framework 4.7.2 on users’ machines the next time they log into Encompass20.1.

In addition, .NET Framework 4.7.2 is now included in the Encompass 20.1 SDK package.

NICE-27008

Personas

Access Tab in the Personas Setting Now Provided in All EncompassInstances/Default Access to Encompass LO Connect is Provided

(Added on 3/21/2020)

The Access tab in the Personas setting is used to define whether a persona can access the Encompass clientdesktop version only or both the desktop version and Encompass LOConnect. The tab is also used to defineaccess to the Analysis Tools and Encompass Consumer Connect. Starting in Encompass 20.1, this Accesstab will now display in the Personas setting in all Encompass systems.

In earlier versions of Encompass, this Access tab would only display in the Personas setting if theadministrator had set the Allow Mobile Platform policy to True in the Encompass Admin Tools > SettingsManager. Starting in Encompass 20.1, this policy is no longer provided in the Settings Manager and it has noimpact on the availability of the Access tab in the Personas setting.


In addition, when a new persona is created in Encompass 20.1 and later, the default Access persona settingwill be set to Both Microsoft Windows Encompass Client and Encompass Mobile (LO Connect) in aweb browser option so that the user assigned with this persona will have access to LOConnect.

NICE-28400, NICE-27090

New Persona Setting for External Company Global Access

A new Global Company/User Delegation Access option is now provided on the External Settings tab in thePersonas setting. When the administrator selects this option for a persona, users assigned with that personacan then access and edit the settings in External Company Setup > Company Details settings. This enablesadministrators to delegate tasks to other users so they canmanage TPO company settings without having toassign a new Super Administrator persona to the user or classifying the user as a Sales Rep or AccountExecutive for every TPO company that is managed in the External Company Setup settings.


NICE-28284

Business Rules

Updated Behavior for Linked Loans Icon in a Loan File Header

When an Encompass administrator configures a Persona Access to Fields business rule to give a personaView Only / Disabled access for the Sync Data button (field ID button_syncdata) and the Go to 2nd or Goto 1st button (field ID button_maketocurrent) on the Piggyback Loans tool, the same limitations now apply tothe persona’s access to the options in the linked loan Folder icon in the loan file header.

Piggyback Loans tool buttons

Linked loans Folder icon in loan file header

The options available when the persona click the Folder icon now match the options configured in thebusiness rule for the buttons. For example, if the user only has access to the Sync Data button, the SyncData option for the Folder icon is enabled but the Go to Linked Loan options is disabled. If the persona doesnot have access to either of the buttons, both options for the Folder icon are disabled.

CBIZ-27767


Updates to External Company Setup Settings

The following enhancements have beenmade to the External Company Setup settings:

Updates to Basic Info Settings

Whenworking in the External Company Setup > Company Details settings for Third Party Originators, theBasic Info tab has been updated with a new Company can accept first payments check box. This checkbox indicates which Sellers are approved to accept first payments, providing a Correspondent Lender with theinsight on when they would expect a first payment upon purchasing a loan from the seller.

This check is located at the bottom of the Company Information section of the Basic Info tab.

In addition, a new Timezone field has been added to the Company Details section of the Basic Info tab. Hereadministrators can indicate the time zone of the TPO organization to help determine when their purchasingwire cut off time is.


Also in the Company Details section of the Basic Info tab, there is now aNo After Hour Wires check boxprovided in the Company Details section of the Basic Info tab. Select this check box to indicate that thisorganization does not accept wire transfers sent outside of normal business operating hours. This enableslenders to indicate that they prefer to receive wire transfers only during funding hours and simplify thereconciliation process.

TheOrganization Name and Company Legal Name fields have been updated to support 128 characters.Previously, a maximum of 64 characters was supported.


Also on this Basic Info tab, a new Assigned Date field is now provided in the Primary Sales Rep / AE sectionwhere the administrator can indicate the date in which the Account Executive (AE) was assigned to theirclient. Providing the date that the AE/Sales Rep was activated for a specific client enables Ellie Maecustomers to document the individual responsible for the Seller's business during a specific time period forreporting and compensation purposes.

NICE-27707, NICE-27913, NICE-27508, NICE-27916, NICE-27712


New Approved Status Date for Warehouse Banks

When using the External Company Setup > Company Details screen to create andmanage third-partyoriginators (TPO) with whom your company does business, there is now a Status Date field provided in theBusiness Information section of theWarehouse tab. When the administrator selects the Approved check boxhere, the current date will be populated to the Status Date field. They can then use the drop-down option in thisfield to select a different date as needed. (Note that when the Approved check box is cleared, the Status Datefield will be cleared as well.)

NICE-27918


Updates to the Warehouse Banks Tab

When using the External Company Setup > Company Details screen to create andmanage third-partyoriginators (TPO) with whom your company does business, theWarehouse tab has been updated as follows:

Character Limit Increased for Warehouse Bank Account Name and Further Credit Account NameFields: The Account Name and Further Credit Account Name fields now support longer names. These fieldsnow support up to 100 characters. Previously, only 30 characters were supported.

New Time Zone Indicator for Warehouse Banks: There is now a Time Zone drop-down field provided in theBusiness Information section of theWarehouse tab.


Select the time zone where the warehouse bank is located. This time zone will be help determine when thebank’s purchasing wire cut off time is if they have elected to not receive wires after hours (as described in theprevious entry).

NICE-27589, NICE-27637

‘No Restrictions’ Warning

When an administrator selects No Restriction in the following areas in the External Company Setup settings,a Please Note: Selecting ‘No Restrictions’ will allow this company to submit loans with no limits specific tothis policy pop-up warningmessage is now presented:

n License Tab 'Policy for Loans in Unlicensed States'

n Loan Criteria tab 'Don't allow loan creation'

n Commitments tab 'Policy for loans that exceedMax Commitment Authority'

n Commitments tab 'Policy for trades that exceedMax Commitment Authority'


NICE-27461

Updates to Loan Criteria Settingsn Updated Default Setting for Loan Types and Products - When working in the External Company

Setup > Company Details settings for Third Party Originators, all of the options on the Loan Criteriatab’s Approved Loan Types section and the Approved Loan Purposes section were selected by defaultin earlier versions of Encompass. In this release, all of these check box options are cleared andmustbe selectedmanually by the administrator.

Please note that this new default setting does not impact the settings applied to TPO companiescreated prior to Encompass 20.1.

These Approved Loan Types and Approved Loan Purposes options are provided on both the LoanCriteria’s Broker tab and Correspondent tab and this new default setting applies to these options onboth tabs. Providing these options without having these selected by default provides a conservativeapproach when new companies are added to the External Company Setup settings. Originally when aTPO company was created, they were set up with no restrictions when submitting and locking loanswithin TPOConnect. With this enhancement, the company will start with more restrictions andadministrators can update the restriction level as needed.


n The FHA/VA Information section near the bottom of the screen has been re-named to GSEInformation.

n In this section, new fields specific to Correspondent lending have been added. Using the ExternalCompany Setup settings and this Loan Criteria tab, Correspondent Lenders will be able to documentall of the GSEs the companies are approved with along with their GSE Client IDs.

n The new fields are FHA Direct Endorsement, VA Sponsor ID, FHMLC Approved, FNMAApproved, FannieMae ID, FreddieMac ID, and AUS Method.

NICE-27544, NICE-27705

External Company Setup: Updates to TPO Custom Fields Tab

When using the External Company Setup > Company Details > Custom Fields tab to track the customfields for the selected TPO company and enter custom data for these fields, the following enhancements arenow provided in Encompass 20.1.

n Hover Text Now Available for TPO Custom Fields - Hover text is now provided that displays thedata entered in the field in its entirety. Use your mouse pointer to hover over a field to view the entiredata string for the field. Hover text is available for all field types on this Custom Fields tab.


n A divider is now provided between the two columns on the tab. Click and drag the divider to resize thewidth of the columns.

n Calendar icons are now provided next to Date fields. Click the icon to select the date to populate to thefield.

n Y/N field (i.e., Yes/No), now provide a blank, Y, and N option in their drop-down list. In addition, the “X”type drop-down fields now list a blank and X option.

In addition, on the External Company Setup > TPO Custom Fields settings screen, a new Comment fieldtype is now available. When displayed on the Company Details > Custom Fields tab, this field displays.Authorized users can click the Edit icon and enter comments in this multi-line text box.


NICE-28367, NICE-28372

New Auto Org ID Numbering Button

To provide the ability to auto-generate and auto-assign client IDs (Organization IDs) to a TPO company, a newbutton has been added to the External Company Setup -> Company Details settings screen.

Administrators can click this button to open the Auto Organization ID Numbering window and set the startingnumber for auto-generating Organization IDs.


NICE-27522

Company Information Setting

The 'Use Custom Lender Profile for ECS' Option Returned to CompanyInformation Setting

(Added on 3/21/2020)

The Use Custom Lender Profile for ECS check box is now available on the Encompass Settings >Company/User Setup > Company Information’s License tab. Administrators can select this Use CustomLender Profile for ECS check box to apply their company's theory of lending (including custom rules) to beapplied when running Encompass Compliance Service (ECS) compliance tests on a loan file.


This check box was available in this location on the Company Information settings screen in earlier versions ofEncompass, but it had been removed from recent Encompass 19.3 and 19.4 versions. Once you haveupgraded to this Encompass 19.4March Service Pack, the check box will be available here. This update doesnot apply to earlier versions of Encompass.

Before you can use the custom lender profile for ECS, a named contact from your company must contactthe Ellie Mae Technical Support team to complete a custom theory of lending questionnaire and identifyany additional setup requirements. The Encompass Compliance Service is currently supported inEncompass Banker Edition only.

NICE-28967

Loan Duplication Settings

Additional URLA Fields Added to Loan Duplication Settings

(Added on 3/21/2020)

Using the Loan Duplication setting, administrators can create templates that control the field data that iscopied from an existing loan when a duplicate loan is created. The following URLA fields have been added tothe Loan Duplications setting in the Borrower Present Address and Co-Borrower Present Address sections:

n Countryn Unit Typen Unit #


When one or both of these sections are selected, these fields will be copied to the duplicate loan. These fieldsare only used for loans using the new URLA 2020 forms.

NICE-28618

Encompass Investor Connect

Settings Updates to Support Encompass Investor Connect

(Added on 3/21/2020)

Updates have beenmade to Encompass settings to support Encompass Investor Connect updates andenhancements. A new Investor Connect Settings setting has been added to the Encompass Settings tosupport the new Delivery Conditions workflow and updates have beenmade to existing Encompass settingsto support the changes made to the eFolder.

New Setting for Investor Connect Notifications and Delivery Conditions

New Investor Connect Settings have been added to the External Company Setup settings in Encompass foruse by lenders who are sending loan files to partners via Encompass Investor Connect. The setting has twotabs that are used to enable or disable email notifications when delivery requests have been processed and toconfigure the conditions delivery process.

To Access the Setting:

1. On themenu bar, click Encompass, and then click Settings.

2. On the left panel, click External Company Setup, and then click Investor Connect Settings.


Notifications Tab

Use the Notifications tab to enable or disable email notifications that are sent to an Encompass user after theuser sends a submission request to a partner via Encompass Investor Connect. Previously, an email wasalways sent by default to the user who submitted the submission request.

To Enable or Disable Email Notifications

1. Click the Notifications tab.

2. Clear or select the Notify when delivery requests have been processed check box. Thecheck box is enabled by default.

3. Click the Save button on the upper-right to save your changes. Or, click the Reset button on thetop right to undo all recent changes and return the setting to the state it was in the last time it wassaved.


Condition Delivery Tab

If your company has partners who have configured the workflow for returning condition responses viaEncompass Investor Connect, use the Condition Delivery tab to configure the workflow for the conditionresponses. The Condition Delivery tab has two sections that control how conditions are handled inEncompass Investor Connect.

n Ready for Delivery Statuses – Select the appropriate check boxes in this section to indicate when acondition will be available for delivery to a partner. Each check box represents a status assigned thatcan be selected for a delivery condition in the eFolder.

A lender must complete this section before the lender can send condition responses to a partner.

When one of the selected statuses is assigned to a Delivery Condition in the Encompass eFolder, theconditions is available to be sent to a partner. The lender can select the condition by clicking the DeliverCondition Responses button on the Delivery Conditions tab in the eFolder. Clicking this button opens theDelivery Conditions Responses window, where the condition can be selected and sent to a partner.

n Conditions Status Mapping – Use this section tomap conditions statuses used by each partner tothe condition statuses in the Encompass eFolder. You can addmultiple partners and create a differentmapping configuration for each partner.

A lender must complete this section or the lender will not be able to view the status of a condition thatwas sent or updated by a partner.

To Add a Partner:

1. Click the Add icon (+) at the top of the Partners column.

Only partners who are configured for status mapping are available in drop-down list.


2. On the Add Partner window, select a Category for the Investor Connect service.

3. Select a partner from the Partner drop-down list.

4. Partner names display in the Partner column as they are added. Click the Delete icon to removea partner. A confirmationmessages asks you to verify that you want to delete the partner. If youdelete all partners, a confirmationmessage states that the last partner is being deleted.

5. Tomap condition statuses for a partner, select the radio button to the left of the partner’s name.


6. If the partner is set up for status mapping, the Lender Conditions Status column displays thecondition statuses that are available on the Delivery Conditions Details window for the conditionson the Delivery Conditions tab in the eFolder, and Not mapped yet displays in the right columnfor the partner condition statuses.

7. Tomap a partner condition status to a lender condition status (eFolder status), click the drop-down icon on the far-right and select the check box for a status. The statuses in the drop-down listare pre-configured based on information provided by each partner.


The selected status is added to the condition status column for the partner. This status is nowmapped to the corresponding eFolder status.

After a partner status is mapped to a lender status, the partner status is no longer availableas an option in the partner status drop-down list whenmapping additional statuses in thesetting. This prevents a partner status from beingmapped to two or more lender statuses.

8. Click the Save button on the upper-right to save your changes. Or, click the Reset button on thetop right to undo all recent changes and return the setting to the state it was in the last time thesetting was saved.

Access to the Investor Connect Settings

To enable Encompass administrators to configure access to the setting, a new Investor Connect Settingscheck box is being added to the Personas setting in Encompass. Administrators can select or clear the checkbox to enable or disable access to the setting for selected personas.

To Enable Access to the Investor Connect Settings:

1. On themenu bar, click Encompass, and then click Settings.

2. On the left panel, click Company/User Setup, and then click Personas.

3. Select a persona and then click the External Settings tab.


4. Select the Investor Connect Settings check box.

The setting is visible and enabled for Encompass users who have been assigned a persona thathas the Investor Connect Settings check box selected.

The settings change described above has also been updated in the window that opens whenan administrator clicks the View/Edit Rights button in the User Details window that opensafter double-clicking a user name in the Organization/Users setting for an Encompass user(Encompass Settings > Company/User Setup > Organization/Users).

Updates to the Personas Settings for the Conditions Tabs

The following changes have beenmade in the Personas setting in the Conditions section on the eFolder tab tosupport changes in the eFolder workflow for conditions imported via Encompass Investor Connect.

n Because all Encompass Investor Connect conditions are now imported into the Delivery Conditionstab in the eFolder, the Import Conditions check box has been removed as an option for thePreliminary Conditions, Underwriting Conditions, and Post-Closing Conditions tabs.


n To support changing the name of the eFolder tab from Sell Conditions to Delivery Conditions and theintroduction of additional features on the tab, the Sell Conditions Tab sections has been replaced witha Delivery Conditions Tab section. This section has six options:

n Delivery Conditions Tab – Persona can see and access the Delivery Conditions tab in theeFolder. This check box inherits the selection from the Sell Conditions Tab check box inEncompass 19.4.

n Add/Edit/Delete Delivery Conditions – Persona canmanually create, edit, and deleteconditions. This option inherits the selection for the Add/Edit/Delete Sell Conditions checkbox Encompass 19.4.

n Import All Conditions – Persona can import conditions using the Import All Conditions optionon the Add Conditions window in the eFolder. This check box is cleared by default afterupdating to Encompass 20.1 unless the persona was created with All Access rights.


n Review and Import Conditions – Persona can import conditions using the Review andImport All Conditions option on the Add Conditions window in the eFolder. This option inheritsthe selection for the Import Conditions check box in Encompass 19.4.

n Deliver Condition Responses – Persona can view and access the Deliver ConditionResponses button on the eFolder. This check box is cleared by default after updating toEncompass 20.1

n Condition Delivery Status – Persona can view and access the Condition Delivery Statusbutton on the eFolder. This check box is cleared by default after updating to Encompass 20.1.

The settings changes described above have also been updated in the window that openswhen an administrator clicks the View/Edit Rights button in the User Details windowafter double-clicking a user name in the Organization/Users setting for an Encompassuser (Encompass Settings > Company/User Setup > Organization/Users).

DND-5358

Four New Fields Added for Use with Encompass Investor Connect

(Added on 3/21/2020)

The following four new loan-level fields have been added to Encompass to allow Encompass InvestorConnect users to easily view data related to loan package deliveries from the Encompass Pipeline:

n Investor Connect Delivery Status (field ID INVESTCONN.X1)

n Investor Connect Delivery Status Date Time (field ID INVESTCONN.X2)

n Investor Connect Delivered to Company (field ID INVESTCONN.X3)

n Investor Connect Delivered to Category (field ID INVESTCONN.X4)

Data in these fields correspond to the last submission through Encompass Investor Connect. These fields arecan be added to an Encompass Pipeline view, can be used in business rules, and are reportable in theEncompass Reporting Database.

The Loan Delivery Status Page displays the Status Date/Time in local time. The Encompass PipelineView displays the Status Date/Time in Pacific Time (PT).

CBIZ-29701


New Setting to Enable Barcodes for Informational Documents

(Added on 3/21/2020)

The Document Identification setting has been updated to give administrators the option to enable or disabledocument barcodes on informational documents. In earlier versions of Encompass, informational documentsare not barcoded and there were no options for administrators to add barcodes to these types of documents.

In Encompass 20.1, administrators can now use these new Informational Documents options to indicate thetype of informational documents where barcodes will be added.

This enhancement is especially beneficial to users of Encompass Investor Connect since they can use thesenew options to enable or disable barcoding for informational documents based on their investors’ guidance.

NICE-25761


Encompass Software Development Kit (SDK)

User ID That Includes a Period/Dot [.] can now be Created Through theSDK

(Added on 3/21/2020)

In the Encompass Settings > Company/User Setup settings, administrators can successfully create a newuser with a User ID that in includes a period or dot [.] (e.g., bill.thomas). However, Encompass SDK userscould not create a new user with this type of User ID. The Encompass SDK has been updated to enable thecreation of this type of User ID that includes a period or dot [.].

NICE-28635


Fixed Issues for Version 20.1

Why we fixed these issues: These issues were fixed to improve usability and to help ensure Encompassis operating as expected. The issues that are chosen to be fixed are based on the severity of their impactto clients and client feedback.

Encompass Forms and Tools

Issue Resolved: LE Due Date Field is Not Auto-Populating WhenApplication Date Field is Updated (Disclosure Tracking Tool)

Some users reported a sporadic, yet recurring, issue with the Disclosure Tracking Tool where the LE Due date(field ID 3143) was not being populated with a date when the Application Date (field ID 3142) was updated. Bydefault in Encompass, field 3143 should automatically update as soon as field 3142 is updated, but in certaincases field 3143 was not updating. The cause of this issue was identified and it has been addressed.

NICE-21505

Issue Resolved: CD Received Date Field is Not Auto-Populating WhenBorrower’s eConsent is Received When or After eDisclosure is Sent(Disclosure Tracking Tool)

An issue occurred where the if the lender sent the eConsent Agreement before sending the eDisclosurepackage or at the same time as sending the eDisclosures, the CD Received date (field ID 3978) was not auto-populating unless the eConsent Agreement was accepted by the borrower before the eDisclosure packagewas sent. For example:

1. All required loan fields are completed, thus, the LE Due date (field ID 3143) is auto-populated.2. The eConsent Agreement is sent to the borrower.3. Prior to the borrower accepting the eConsent Agreement, the eDisclosure package, which includes

the Closing Disclosure (CD) but excludes the Loan Estimate (LE), is sent.4. The borrower retrieves the disclosures, and then accepts the terms of the eConsent Agreement.5. The borrower then views the CD.

Once the borrower accepted the eConsent Agreement in this scenario, the CD Received date should havebeen populated with the current date. This issue has been resolved, and the CD Received date is now auto-populated when the borrower accepts the eConsent Agreement.

NICE-28232


Issue with the Changed Circumstance Check Box Resolved

(Added on 4/29/2020)

Some clients reported that in certain loans where the Changed Circumstance check box (field ID 3168) wasselected to indicate a change of circumstance, the check box was later automatically cleared. Whenreviewing the system audit trail for this issue, it indicated that the check box was cleared by the user ID<system>. After further investigation it was determined that this issue was caused by a system evaluation ofspecific advanced code (that included XDATE) used by some clients. When the advanced coding includedXDATE, the system evaluated XDATE as 1/1/1, and this resulted in the Changed Circumstance check boxbeing cleared. Only loans using this specific advanced code were impacted. This issue has been resolved.

EBSP-15545

Closing Estimate Expiration Date Time Zone No Longer Updates WhenLocked

(Added on 2/28/2020)

An issue was resolved that caused the Closing Costs Estimate Expiration Date time zone field (field IDLE1.X9) to update incorrectly under the following conditions:

1. The gold Lock icon was selected for the Closing Costs Estimate Expiration Date time zone field,indicating that the field was controlled by user entry only and not by Encompass calculations.

2. The user then selected an option from the time zone drop-down list.

3. The user then completed the LE Date Issued field (field ID LE1.X1) by clicking the field and thenpressing Ctrl+D, or by manually typing the date.

After the user updated the LE Date Issued field, Encompass was populating the Closing Costs EstimateExpiration Date time zone field with the HST option from the drop-down list, even though the field was lockedto prevent a system override. The issue has been resolved and the time zone is no longer being overwritten byEncompass under the scenario described above.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for Encompass 20.1and later.

n Click the Calendar icon to enter a new date in the LE Date Issued field.

CBIZ-16751


Premium Source Field Can Now Be Used with Custom Forms andBusiness Rules

(Added on 2/28/2020)

An Issue was resolved that caused the Premium Source drop-down list (field ID CASASRN.X158), whichdisplays as an editable field on the FreddieMac Additional Data input form, to behave as a read-only field thatcould not be edited when the field was added to a custom input form or when a field Trigger Business Ruleattempted to update the field value. This issue has been resolved and the field can now be used with customforms and business rules.

CBIZ-22630

Servicer Name Now Populates Correctly for Aggregate Escrow WhenUsing the Address Book Icon

(Added on 2/28/2020)

An issue was resolved that cause the company’s name instead of the contact’s name to populate for theServicer (field ID VEND.X184) on the Aggregate Escrow Account input form when an Encompass userclicked the Address Book icon to add the servicer from the Business Contacts in Encompass. This issue hasbeen resolved and the contact’s name is now populating as expected for the Servicer.

CBIZ-25817


ULDD/PPD Loan Program Identifier Populated When First-TimeHomebuyer Option Selected

(Added on 2/28/2020)

The Loan Program Identifier drop-down list (field ID ULDD.FNM.LoanProgramIdentifier) on the ULDD/PPDinput form is now automatically populated with the FirstTimeHomebuyer option when the Yes option ispopulated for the First-Time HomeBuyer drop-down list (field ID 934) that displays on input forms such as theFHA Management, Property Information, and ULDD/PPD.

CBIZ-26742

Update to the Escrow Logic on the Closing Disclosure Page 4

(Added on 2/28/2020)

When a loan has mortgage insurances, hazard Insurance, and real estate taxes, but does not have an escrowaccount, the will not have an escrow account check box (field ID CD4.X9) continues to be selected, butEncompass users can no longer select the your lender does not offer one check box (field ID CD4.X7).Previously, the will not have an escrow account checkbox (field ID CD4.X9) was selected, but a user wasalso able to select the your lender does not offer one check box (field ID CD4.X7), although the yourlender does not offer one check box would not remain selected after the user moved to another field.

CBIZ-26760


Additional Information on the Privacy Policy Output Form Now Displaysthe Correct Formatting

(Added on 2/28/2020)

An issue was resolved that caused content to display in the Additional Information section of the PrivacyPolicy output form with formatting that did not match the text in the input form. This issue has been resolvedand the text now displays as expected with the proper formatting.

CBIZ-28506

Mortgage Insurance Fields Cleared When Template Applied with NoMIP Rate or Month

(Added on 2/28/2020)

When a loan has a value entered for the ProposedMortgage Insurance (field ID 232), and a user then applies aloan program or closing cost template with noMIP rate or month configured in the template, Encompass nowclears themonthly mortgage amount from the fields for ProposedMortgage Insurance (field ID 232) andMonthly Mortgage Insurance Payment (field ID 1766). Previously, the factors, months, and amounts on theLoan Estimate and Closing disclosure were being cleared, but the dollar amount for the ProposedMortgageInsurance (field ID 232) andMonthly Mortgage Insurance Payment (field ID 1766) was not being clearedbecause the recalculation for the fields was triggered only when the loan included values for theMIP rate andmonth.

CBIZ-29029


Recoup Closing Costs for VA Loans Calculating as Expected


The Recoup Closing Cost amount (field ID VASUMM.X27) is now being calculated as expected when anEncompass user clicks the Lock icon tomanually enter a value for the for the Total Closing Costs (field IDVASUMM.X25) or to switch from amanually entered value to a calculated value. Previously the RecoupClosing Cost amount was not recalculating after clicking the Lock icon for the Total Closing Costs.


The following workaround was provided for this production issue and is no longer required for Encompassversion 20.1 and later:

n Select and then clear either of the TYPE check boxes (field ID VASUMM.X125) in the Refinance Typesection on the Cash-Out Refinance tab on the VA Management input form.

CBIZ-29076

Performance Improvements When Working with Imported FNMA 3.2Loan Files on Forms with Multiple Icons for Borrower Contacts

(Added on 3/21/2020)

An issue has been resolved that resulted in slower performance times for input forms with multiple borrowercontact icons when working with imported FNMA loans. The performance slow-downs were cause by multiplecalls to the Encompass server to verify and update information for each contact on the form whenever a fieldvalue was changed on the form. The performance issues were particularly noticeable with custom input formsthat contained a larger number of borrower contact icons. This issue has been resolved. Now calls for contactverification aremade only when the form is first opened or when a user clicks a borrower contact icon.



n Reimporting the loan file eliminates the performance issue.

CBIZ-27717


Commitment Type on Lock Request Form Now Defaults to “BestEfforts” When Company Details Commitment Tab Blank

(Added on 3/21/2020)

An issue occurred where for Correspondent loans, if the Company Details Commitment tab was notcompleted and aGet Pricing request was submitted, an error message “Individual Loan Locks (Mandatory orBest Efforts), have not set up for this TPOCompany [TPO.X14]. Please contact Secondary.” was displayed.This issue has been resolved and instead of the error message, the Commitment Type (field ID 4187) fieldnow defaults to “Best Efforts” and the Delivery Type (field ID 3965) field defaults to “Individual Best Efforts”on the Lock Request Form.

SEC-16488

URLA

(Added on 3/21/2020)

Property Held Name Now Populating Correctly for MISMO 3.4 LoanFile Imports

(Added on 3/21/2020)

When importing aMISMO 3.4 loan file for a loan that is using the new URLA forms, the name entered for theTitle to the Property Will be Held in What Name(s): (field ID URLA.X136) on the 1003 URLA- Lender inputform is now populated with the value from the importedMISMO 3.4 file. The field is now locked after the importand theMISMO value is no longer overwritten by Encompass. Users can click the Lock icon to edit the field ifneeded. Previously, the borrower’s namewas being automatically populated to this field by Encompass whenthere was a difference between theMISMO value and the Encompass value.

CBIZ-25973

Calculated Borrower Other Income Calculating Correctly for MISMO3.4 Loan File Imports

(Added on 3/21/2020)

When importing aMISMO 3.4 loan file for a loan that is using the new URLA forms, the calculated Otherincome (field ID 108) in Borrower column in the Gross Monthly Income section of the 1003 Page 2 input form isnow being triggered for all non-primary borrower pairs. This is a calculated field, derived from adding the B(borrower) values in the Other Income section on page 2 of the 1003. Previously, the calculation was beingtriggered only for the primary borrower pair. TheOther field also displays on the USDA Management andFNMA Streamline 1003 input forms and the Prequalification tool.


CBIZ-26500

Supplemental Property Insurance Now Populating Correctly for MISMO3.4 Loan File Imports

(Added on 3/21/2020)

When importing aMISMO 3.4 loan file for a loan that is using the new URLA forms, the Supplemental PropertyInsurance (field ID URLA.X144) is now populating as expected in the ProposedMonthly Payment for Propertysection on the 1003 URLA – Lender input form. Previously the value for this field was not imported intoEncompass.

CBIZ-26859

Military Variable Housing Allowance Now Populating Correctly forMISMO 3.4 Loan File Imports

(Added on 3/21/2020)

When importing aMISMO 3.4 loan file for a loan that is using the new URLA forms, the Variable HousingAllowance on theMilitary Entitlement pop-up window accessible from the URLA 1003 – Part 2 is nowpopulating as expected. Previously the value for this field was not imported into Encompass.


CBIZ-27243

VA Federal Tax Amount Now Populating Correctly for MISMO 3.4 LoanFile Imports

(Added on 3/21/2020)

When importing aMISMO 3.4 loan file for a loan that is using the new URLA forms, the VA Federal Taxamounts for the borrower and co-borrower (field IDs 1156 and 1306) are now populating as expected in theProposedMonthly Payment for Property section on the 1003 URLA – Lender input form. Previously the valuefor this field was not importing into Encompass.

CBIZ-27246

Borrower Pair Order No Longer Switches After Exporting and Importinga MISMO 3.4 Loan File

(Added on 3/21/2020)

An issue was resolved that cause the order of the borrower pairs to be switched when a loan using the newURLA forms was exported from Encompass as aMISMO 3.4 file and then imported into another Encompasssystem. This issue has been resolved and the order of the borrower pairs now displays as expected.

CBIZ-27244


1003 URLA – Part 4 Demographic Race Fields Populate Correctly AfterExporting and Importing a MISMO 3.4 Loan File

(Added on 3/21/2020)

An issue was resolved that caused the first four free entry text fields in the Race sections on the 1003 URLA –Part 4 input form for the borrower and co-borrower (field IDs 4126, 4128, 4137, and 4139) to display blankvalues when a loan using the new URLA forms was exported from Encompass as aMISMO 3.4 file and thenimported into another Encompass system. This issue has been resolved and the text for these fields nowpopulates as expected.

CBIZ-27254

Updated Logic for Negative Amortization Features

(Added on 3/21/2020)

Updates have beenmade to the behavior of fields used to indicate that a loan has a negative amortizationfeature.:

n The Negative Amortization check box (field ID URLA.X239) and the Negative Amortization drop-down box (field ID 424) on the 1003 URLA – Lender input form are now set to a blank value when theDoes not have a negative amortization feature check box (field ID CD4.X2) is selected on theClosing Disclosure Page 4 input form.

n When using APIs to populate both the Negative Amortization drop-down box (field ID 424) and thenegative amortization option check box (field ID CD4.X2) on the Closing Disclosure Page 4 input form,the value for the negative amortization option check box (field ID CD4.X2) on the Closing DisclosurePage 4 is used even when the data for the two fields contradicts.

CBIZ-28929


HMDA

Lock Removed When HMDA Information Fields Are Not Pre-Populated

(Added on 2/28/2020)

The Lock icons are now removed from the following HMDA Information fields when they are not populatedwith default values based on the HMDA mapping guidelines for the fields:

n Manufactured Secured Property Type (field ID HMDA.X39)

n Manufactured Home Land Property Interest (field ID HMDA.X40)

n Submission of Application (field ID HMDA.X42)

n AUS #1 (field ID HMDA.X44)

n AUS Recommendation #1 (field ID HMDA.X50)

n NMLS LoanOriginator ID (field ID HMDA.X86)

CBIZ-21667


Manual Edits to HMDA Co-Borrower Credit Score for Decision MakingBeing Retained

(Added on 2/28/2020)

An issue was resolved that caused the co-borrower Credit Score for Decision Making drop-down box (fieldID HMDA.X118) to revert to its previous value under some scenarios. This would occur when the No co-applicant check box was selected and the Action Taken (field ID 1393) had been changed to LoanOriginated, and then either of the following two events occurred:

n An Encompass user clicked the Lock icon for the Credit Score for Decision Making drop-down box(field ID HMDA.X118) andmanually changed the selection.

n An Encompass user selected the Loan is Partially Exempt check box, clicked the Apply PartialExemption button, clicked the Lock icon for the Credit Score for Decision Making drop-down box(field ID HMDA.X118), andmanually changed the selection.

This issue has been resolved and the option selected for the Credit Score for Decision Making drop-downbox (field ID HMDA.X118) is being retained after manually editing the option under the scenarios describedabove.

CBIZ-23701

Construction Loans

(Added on 3/21/2020)

Updated First Change of Payment Value for 24-Month Construction

(Added on 3/21/2020)

A construction-to-permanent loan with a 24-month fixed construction phase and an ARM permanent phasenow displays the correct number of years for the first change of payment period in the Projected Paymentstable on the RegZ-LE input form. Previously the projected payment table was showing a value that wasdifferent from the value used by the Encompass Compliance Service (ECS) resulting in a warning when ECStests were run on the loan. This issue has been resolved and the Encompass and ECS are now using thesame value.




n Click the Customize check box (field ID 1678) on the RegZ-LE input form, edit the projected paymenttable, and run your Encompass Compliance Service Review to preview the results.

CBIZ-27229

Update to Calculation for Bona Fide Discount Points That Can BeExcluded Based on Reduction in Rate

(Added on 3/21/2020)

An update has beenmade to the calculation used to determine the Discount Points that can be excludedbased on reduction in rate (field ID QM.X367) on the Bona Fide Discount Point Assessment pop-upwindow, which uses the lowest of the following three values:

n APOR Test

n Reduction in Rate Basis Test

n Starting Adjusted Rate Basis

The update addresses a known issue where, if no value exists for one of the three tests listed above,Encompass interprets the test as having a value of 0 (zero) and uses 0 (zero) as the Discount Points thatcan be excluded based on reduction in rate. This issue has been resolved and Encompass now ignoresany blank values for the three tests listed above.

CBIZ-30044


Electronic Document Management

(Added on 3/21/2020)

Loan Officer eSignature Notifications List All Required Documents forEncompass Consumer Connect Loans

(Added on 3/21/2020)

For loans originated on an Encompass Consumer Connect website, when a loan officer’s eSignature isrequired on documents being sent, the email notifications sent to the loan officer now list all the documentsthat the loan officer is required to sign. Previously only one of the required documents would be listed on theemail notification.

DOCP-7265

Scroll Bar Added to Send Window for Encompass Consumer ConnectLoans with Three or More Recipients

(Added on 3/21/2020)

For loans originated on an Encompass Consumer Connect website, a scroll bar now displays on the recipientsection of the Send window when sending files to more than three recipients via the eFolder Send button. Thescroll bar enables users to scroll down to view the Recipient Authorization Code fields. Previously, thissection of the Send window was a static element with no scroll bar. When there weremore than threerecipients, the Authorization Code fields were not visible on the window and the Subject field overlapped thename of the fourth recipient on the list.


The following workarounds were provided for this production issue and are no longer required for Encompass20.1 and later:

n Send files to three or fewer recipients at a time in separate Send action.

n Use the Tab key to tab through the fields in the recipient section to access the Authorization Codefield.

DOCP-7267


Status Online Update Entries Display in the Loan Log for EncompassConsumer Connect Loans

For loans originated on an Encompass Consumer Connect website, an issue was resolved that resulted in anentry not being created on the Log tab in the Encompass Log when a Status Online Update email notificationwas sent. The update was being published and the email was being sent, but no Status Online Update entrywas added under the relevant Milestone entry in the log. This issue has been resolved, and log entries are nowbeing created when Status Online Update email notification are sent for loan originated on an EncompassConsumer Connect website.

DOCP-3515

Encompass Users Assigned to Loan Roles Can Be Added asRecipients When Using the Send Button for Encompass ConsumerConnect Loans

For loans originated on an Encompass Consumer Connect website, an issue has been resolved that causedissues when trying to add some Encompass users as recipients when files were sent by clicking the Sendbutton in the Encompass eFolder. When an Encompass user clicked the Add icon on the Send window andthen attempted to add other Encompass users who were assigned to Roles for the loan in the File Contactstool (for example, Loan Processor or Underwriter) one of the following two events would occur on the Add aFile Contact window:

n The contact’s Role was not available for selection on the Category drop-down list.

n The contact’s Role was available on the Category drop-down list, but an “Object Reference” errormessage would display when the Save button was clicked.

This issue has been resolved and users who have been assigned to Roles for the loan file can now be addedas recipients for the files.

DOCP-3972


eConsent Decline Messages Now Clear as Expected for EncompassConsumer Connect Loans

For loans originated on an Encompass Consumer Connect website, the eConsent Declined message thatdisplays on the Alert & Messages tab in the Encompass Loan Log now clears under the following scenario:

1. A borrower at first declines and then later accepts eConsent.

2. An Encompass user then opens and views the consent messages.

Previously the eConsent Accepted message was clearing, but the eConsent Declined message was notclearing after themessages were accessed.

DOCP-7268

Notifications Now Sent When eDisclosure Packages Not Accessed

For loans originated on an Encompass Consumer Connect website, an issue has been resolved that causedemail notification to not be sent as expected to a loan officer when a borrower did not access eDisclosurepackages by the specified date. This issue has been resolved and emails are now being sent as expected.

DOCP-5505

Encompass Settings

Error Message No Longer Triggered for DDM Rules With No Value Set

Whenworking with a DDM field rule, if the rule’s Value Type was set to No Value Set (which is the defaultvalue), clicking the Set Field Value button, and then clicking OK on the Set Field Value window triggered a"The zip code is not valid" error message. This issue has been resolved and this error is no longer triggered inthis scenario.


NICE-25346

Edit Lender Contacts Personas Setting Now Functions Properly

(Added on 3/21/2020)

An issue occurred where the Edit Lender Contacts Personas setting was not functioning properly. If a userhad the Lender Contacts Personas setting selected but not the Edit Lender Contacts setting, that user wasstill able to create, edit, and delete contacts on the Company Details Lender Contacts tab. This issue hasbeen resolved and a user must have the Edit Lender Contacts setting selected tomanage contacts on theLender Contacts tab.

SEC-16938

Settings Reports can now be Generated for Encompass Instances ThatStart with a Numeric Value

(Added on 3/21/2020)

An issue occurred where administrators could not generate organization reports from the Settings Reports toolfor Encompass instance names that began with a numeric value. When attempting to generate an organizationreport for these instances, the system would return an error message that the report could not be generated.This issue has been resolved and organization reports can now be generated for Encompass instances thatstart with a numeric value.


NICE-28654

Reports

Custom TPO Current Company Statuses Now Included in Reports

(Added on 3/21/2020)

An issue occurred where custom TPO current company statuses, added to the TPOSettings and given toTPO companies, were not included in reports that had the CurrentStatus field ID. This issue has beenresolved and custom TPO current company statuses are now included in reports.

SEC-15765

Encompass Software Development Kit (SDK)

Workaround to Address an Issue with the SDK Call Used to CreateCorrespondent Trades

(Added on 4/17/2020)

An issue with the Encompass SDK was introduced with the 20.1 release. Users utilizing the SDK to create acorrespondent trade started receiving the following error message when the correspondent trade call wasexecuted:

System.ArgumentNullException: 'Value cannot be null. Parameter name: uriString'


The following workaround for this issue is provided here. A fix for this issue is scheduled to be provided in afuture Encompass SDK release.

Workaround:

1. In your SDK application, open app.config/web.config.2. Search for the <appSettings> element.

n If the <appSettings> element is there, add the following line inside <appSettings>:

<add key="oAuth.Url" value="https://api.elliemae.com" />

n If there is no <appSettings> element, add the following lines:

<appSettings>


</appSettings>

SEC-17667


Fixed Issues for Version 20.1.0.1 Server Patch 1(Added on 4/9/2020)

This update contains updates to users' Encompass client machines (20.1.0.1) and a Server Patch (server patch 1) that is applied to the Encompass Server. The fixed issues listed below are included in this update and were first released on April 11, 2020.

This client-side update (20.1.0.1) can be controlled manually via the Encompass Version Manager tool. If the tool has been configured to always apply new releases to users’ computers automatically, users will receive this update upon their initial log in of Encompass following the release.

Please note that the Server Patch (server patch 1) included with this release will be applied to the Encompass Server automatically and cannot be controlled manually via the Encompass Version Manager tool.

In Encompass, go to Help > About Encompass in the menu bar to view your Encompass version. When you apply the client-side update, your new version number will be 20.1.0.1 Server Patch 1.

The Encompass SDK (Encompass Software Development Kit) has been repackaged with this 20.1.0.1 Server Patch 1 release. Although it is not required, it is recommended that you upgrade to this latest SDK delivered with this update to ensure the same functionality that is in this latest version of Encompass is also available in your SDK. If your SDK application utilizes the Encompass SmartClient, you can automate this process so the SDK is upgraded automatically every time you apply an Encompass release. If your SDK application is installed on a computer at your location, you must manually upgrade the SDK for every release. For instructions for automating the upgrade process or manually upgrading the SDK, refer to the Upgrading the Encompass SDK page or view the SDK Programmer’s Guide.


Again, upgrading to this latest SDK package is recommended, but not required, for this 20.1.0.1 ServerPatch 1 update.

Update to the Encompass Server(i.e., Server Patch 1)

Below is the update in the Server Patch that is applied to the Encompass Server. The Server Patch containsthe relevant Encompass code that applies to the following fixed issue. The Server Patch included with thisrelease will be applied to the Encompass Server automatically and cannot be controlledmanually via theEncompass VersionManager tool.






Fixed Issue

Issue Resolved: Batch Loan Update in SDK Results in Error WhenOpening Loans

(Added on 4/9/2020)

An issue occurred in the Encompass SDK after performing a batch loan update with loans (originated in theEncompass 19.4 January Service Pack and later) and opening the same loan (without modifying it) inEncompass 20.1. When opening the same loan in 20.1 that was included in the batch update in the SDK, anerror was triggered. This cause of this issue was identified and addressed. The error is no longer triggeredwhen opening a loan in the SDK.

NICE-29856

Updates to Encompass Client Machines

The Encompass 20.1.0.1 update includes the following items, which are client-side updates that are applied tousers' Encompass client machines. This client update can be controlledmanually via the Encompass VersionManager tool. If the tool has been configured to always apply new releases to users’ computers automatically,users will receive this update upon their initial log in of Encompass following the release.

Fixed Issues

P&I Reduction Amount Calculating as Expected

(Added on 4/9/2020)

A calculation trigger issue has been resolved that affected the P&I Reduction amount (field IDVASUMM.X129) from the Statutory Closing Cost Recoupment section on theQualification tab on the VAManagement input form. Previously, the P&I Reduction amount was not recalculating when an update wasmade to the Original Interest Rate (field ID VASUMM.X16) for IRRRLs. This issue, which was introduced withthe initial Encompass 20.1 release, has been resolved and the P&I reduction amount is now calculating asexpected.

CBIZ-30559


Three Freddie Mac Drop-Down Lists Now Editable on Custom InputForms

(Added on 4/9/2020)

The following three drop-down lists from the FreddieMac Additional Information input form can now be addedto custom input forms as editable fields:

n MI Refundable Option (field ID CASASRN.X146)n Renewal Option (field ID CASASRN.X150)n Payment Frequency (field ID CASASRN.X154)

This update enables partners to auto-populate values to the fields using business rules or via the EncompassSDK when the fields have been added to custom forms.

CBIZ-30441

Calculation Adjustment for the HELOC Daily & Monthly Periodic Rate

(Added on 4/9/2020)

The calculation for the Daily Periodic Rate (fields ID 4549) and theMonthly Periodic Rate (field ID 4550) on theHELOC Program tab in the HELOC Management input form has been updated to remove the portion of thecalculation that multiplied the factors by 100. For example, a percentage that previously displayed as .33 nowdisplays as .0033.

CBIZ- 30941


Fixed Issues for Version 20.1.0.1 Server Patch 2(Added on 4/16/2020)

This update is a Server Patch (server patch 2) that is applied to the Encompass Server. The fixed issue listed below is included in this update that will be released on April 18, 2020.

Please note that this Server Patch (server patch 2) will be applied to the Encompass Server automatically and cannot be controlled manually via the Encompass Version Manager tool. There are no changes required to Encompass client machines. (Other than the Help > About Encompass box being updated to reflect the new 'server patch 2' version.) There is no additional action required by the administrator or users to receive this update.

In Encompass, go to Help > About Encompass in the menu bar to view your Encompass version. When you apply the client-side update, your new version number will be 20.1.0.1 Server Patch 2.

The Encompass SDK (Encompass Software Development Kit) has been repackaged with this 20.1.0.1 Server Patch 2 release. Although it is not required, it is recommended that you upgrade to this latest SDK delivered with this update to ensure the same functionality that is in this latest version of Encompass is also available in your SDK. If your SDK application utilizes the Encompass SmartClient, you can automate this process so the SDK is upgraded automatically every time you apply an Encompass release. If your SDK application is installed on a computer at your location, you must manually upgrade the SDK for every release. For instructions for automating the upgrade process or manually upgrading the SDK, refer to the Upgrading the Encompass SDK page or view the SDK Programmer’s Guide.


Again, upgrading to this latest SDK package is recommended, but not required, for this 20.1.0.1 ServerPatch 2 update.

Update to the Encompass Server(i.e., Server Patch 2)

Below is the update in the Server Patch that is applied to the Encompass Server. The Server Patch containsthe relevant Encompass code that applies to the following fixed issue. The Server Patch included with thisrelease will be applied to the Encompass Server automatically and cannot be controlledmanually via theEncompass VersionManager tool.





Fixed Issue

Error Messages Received When Performing Actions in Encompass

(Added on 4/16/2020)

In Encompass 20.1, some users received error messages when performing different actions in Encompass.For example, some users received the following error message when navigating to the Services tab in a loan,selecting a service provider from the Additional Services window, and then clicking the Submit button:

Encompass was unable to load the selected service. Contact the service provider for assistance.

The cause of these error messages was identified and addressed. This issue has been resolved.

NICE-30023


Release Notes Change Log for Version 20.1This Change Log lists each release notes entry that has been added, deleted, or modified since the initialpreview version was first published. These items are listed in reverse chronological order (most recent changeis listed first).


Change Type: New entry added.

Change Date: 5/7/2020

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

Updates to Texas State Specific Disclosure Information Input FormTo comply with new state requirements effective May 1, 2020, the State-Specific Disclosure Information input formfor Texas has been updated with the following changes.

Conditional Qualification Letter Section

The three lines previously located below the Loan type and Description line, have been replaced with a singleline.

Previous text

Current text

In the section describing information provided by the applicant:

n The check boxes used to indicate whether the applicant provided information verbally or in writing havebeen removed.

n The label for the second set of check boxes has been change from Available cash for down payment andpayment of closing costs to Available cash to close.

At the bottom of the section, a Conditional Pre-Qualification Expiration Date field (field ID DISCLOSURE.X1211)and a Calendar icon have been added to record the expiration date of the conditional prequalification.

Conditional Approval Letter Section

The line for Secondary financing terms has been removed and the label for the Verified cash for down paymentand payment of closing costs check boxes has been changed to Verified Applicant available cash to close.


Previous version

Current version

CBIZ-29474


Change Type: Entry removed.


Details: The following item was removed from the Fixed Issues page in these release notes.

Updated Wording on document Upload Email Notifications forEncompass Consumer Connect LoansFor loans originated on an Encompass Consumer Connect website, updates were made to the wording on theemail notification sent to Encompass users when the borrower uploads a loan document. The procedure foraccessing the upload document has been changed to the following text:

DOCP-6734



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

Issue with the Changed Circumstance Check Box ResolvedSome clients reported that in certain loans where the Changed Circumstance check box (field ID 3168) wasselected to indicate a change of circumstance, the check box was later automatically cleared. When reviewing thesystem audit trail for this issue, it indicated that the check box was cleared by the user ID <system>. After furtherinvestigation it was determined that this issue was caused by a system evaluation of specific advanced code (thatincluded XDATE) used by some clients. When the advanced coding included XDATE, the system evaluatedXDATE as 1/1/1, and this resulted in the Changed Circumstance check box being cleared. Only loans using thisspecific advanced code were impacted. This issue has been resolved.

EBSP-15545


Change Type: Entries removed.


Details: The following items were removed from these release notes. This system performance enhancement andfixed issue are no longer provided in Encompass. 20.1. They are planned to be provided in a future Encompassrelease.

n The Improved performance for an Encompass user with full access rights to a loan bulleted item that wasoriginally listed in the System Performance Enhancements entry on the Feature Enhancements page hasbeen removed.

n Informational Documents No Longer Duplicated in eFolder when Closing Documents Sent forEncompass Consumer Connect Loans entry was removed from the Fixed Issues page.

Change Type: Entry updated.


Details: In the Recoup Closing Costs for VA Loans Calculating as Expected entry on the Fixed Issues page, thereference to Total Closing Costs field ID VASUMM.X125 was updated to Total Closing Costs field IDVASUMM.X25.

Change Type: Entries removed.


Details: The following entries were removed from these release notes. This new feature and fixed issue are nolonger provided in Encompass 20.1. They will be provided in a future Encompass release.

n New Loan Save Progress Bar entry was removed from the New Features and Forms page.n Aggregate Escrow Disbursement Dates No Longer Change When First Payment Date Updated Via SDK

or Business Rule entry was removed from the Fixed Issues page.




Details: The following new entry was added to a new Encompass Software Development Kit (SDK) section on theFixed Issues page. Please note that this issue is associated with the Encompass SDK, which is intended for usewith Encompass Banker Edition only.

Workaround to Address an Issue with the SDK Call Used to CreateCorrespondent TradesAn issue with the Encompass SDK was introduced with the 20.1 release. Users utilizing the SDK to create acorrespondent trade started receiving the following error message when the correspondent trade call wasexecuted:

System.ArgumentNullException: 'Value cannot be null. Parameter name: uriString'

The following workaround for this issue is provided here. A fix for this issue is scheduled to be provided in a futureEncompass SDK release.

Workaround:

1. In your SDK application, open app.config/web.config.2. Search for the <appSettings> element.

n If the <appSettings> element is there, add the following line inside <appSettings>:


n If there is no <appSettings> element, add the following lines:

<appSettings>


</appSettings>

SEC-17667

Change Type: New section added.


Details: A new Fixed Issues for Version 20.1.0.1 Server Patch 2 section was added to the Fixed Issues page todocument the fixed issues addressed with the 20.1.0.1 Server Patch 2 update currently scheduled for release onApril 18, 2020.


Change Type: Updated entry


Details: The Aggregate Escrow Disbursement Dates No Longer Change When First Payment Date Updated ViaSDK or Business Rule entry on the Fixed Issues page has been updated. New information about a requirement toenable the Itemize Escrow Disbursements policy (and a new image of the policy) that was added to the entry on4/10 was added in error. This information has now been removed from the entry. Please note that this entry isprovided in the release notes for Encompass Banker Edition only.

Change Type: Updated entry


Details: The Aggregate Escrow Disbursement Dates No Longer Change When First Payment Date Updated ViaSDK or Business Rule entry on the Fixed Issues page has been updated. New information about a requirement toenable the Itemize Escrow Disbursements policy (and a new image of the policy) has been added to the entry.Please note that this entry is provided in the release notes for Encompass Banker Edition only.

Change Type: New videos now available.


Details: New videos are now available that walk you through several of the new features and featureenhancements included in this Encompass 20.1 release. Links to these videos are now provided with thefollowing entries on the New Features and Forms page and the Feature Enhancements page:

n New Correspondent Lender Fieldsn Four New Fields on the Correspondent Purchase Advice Formn New Persona Settings Added for Encompass LO Connectn Construction Loan Fields Enabled Regardless of Loan Purposen Update to Construction-to-Permanent Fixed-to-Fixed Rate (STEP) Loan Disclosuresn Lot/Land Status for Construction-Perm Loans Importing from a MISMO 3.4 Filen New Authorized Trader Personas Setting Addedn New Allow Publish Event for Correspondent Trades Setting Added to Trade Management Setupn New Authorized Trader Field Added to Correspondent Trades Details Tab

Change Type: New bullet item added to Attention Administrators section.


Details: The following new bullet item was added to the Attention Administrators section on the Start page:

n Encompass 20.1 now supports Windows 10 (version 1903) operating system on workstations.


Change Type: Updated entries


Details: The following entries have been updated:

n The System Performance Enhancements entry was updated, with the following sections beingremoved: Update to Pipeline Load Process and Improved Performance When Opening Loans. Theseenhancements are not included in the Encompass 20.1 release and have now been removed from theserelease notes as well. These enhancements will be provided in a future Encompass release.

n The Encompass Docs Solution Performance Improvements entry on the Feature Enhancements pagehas been updated. Specifically, the "To Manage the EDS Custom Form Processing Policy:" instructionswere updated with new steps and a new screen shot.

n The ATR/QM Update for Original Creditor Check Boxes entry on the Feature Enhancements page wasupdated. The field ID referenced in the entry was updated from QM.X39 to QM.X379.

n The New Persona Settings to Control User Access to Custom Forms, Custom Tools, and Global CustomTools in Encompass LO Connect entry on the New Features and Forms page was updated with a newscreen shot and new information based on the updated section labels now displayed on the new LOConnect tab in the Personas setting. In addition, the New Personas Settings Added for EncompassLO Connect entry was removed from the Feature Enhancements page since that entry was essentially aduplicate of the New Persona Settings to Control User Access to Custom Forms, Custom Tools, andGlobal Custom Tools in Encompass LO Connect entry on the New Features and Forms page.

Change Type: New section added.


Details: A new Fixed Issues for Version 20.1.0.1 Server Patch 1 section was added to the Fixed Issues page todocument the fixed issues addressed with the 20.1.0.1 Server Patch 1 update currently scheduled for release onApril 11, 2020.

Change Type: 20.1 Admin Checklist link added

Change Date:3/27/2020

Details: A link to the new Encompass 20.1 Admin Checklist is now available on the Start page.

Change Type: New entries added


Details:The following new entries have been added to the Feature Enhancements page:

n New SOFR Options for ARM Index Typen Encompass Docs Solution Performance Improvements


Change Type: New content added


Details:The following note was added to the Import Options for Delivery Conditions section of the EncompassInvestor Connect section on the Feature Enhancements page.

Beginning with Encompass 20.1, the new Encompass Investor Connect delivery conditions workflow will bereleased and any conditions imported through the Import Conditions window in earlier versions ofEncompass (versions 19.2, 19.3, and 19.4) will now be added to the Sell Conditions tab, even if another tabis selected as the destination during the import process.

Change Type: Information removed


Details: The New Single Sign-On (SSO) and Multi-Factor Authentication (MFA) Options section that waspreviously provided on the New Features and Forms page has been removed. More information about theavailability of SSO and MFA features in Encompass 20.1 will be provided soon.

Change Type: Updated information


Details: The Encompass 20.1 Release Preview has been updated and converted to the Encompass 20.1Release Notes. These release notes are subject to change prior to the official Encompass 20.1 major release.Please see the entry below for the new and updated items added to these release notes.




Details:

The following entry was added to the New Features and Forms page:

n New Loan Save Progress Bar

The following entries were added to the Feature Enhancements page:

n Global Search in the Pipeline

n New Country of Citizenship Fields for Non-Resident Borrowers

n Calculate Qualifying Payment and Proposed Housing P&I for the New URLA Forms

n New Repeatable Automated Valuation Method Fields for Use with AVM Partners

n APIs Can Now Be Used to Set Escrow Due Dates

n A new Electronic Document Management section

n Access Tab in the Personas Setting Now Provided in All Encompass Instances/Default Access toEncompass LO Connect is Provided

n New Persona Settings Added for Encompass LO Connect

n A new Encompass Investor Connect section

n Additional URLA Fields Added to Loan Duplication Settings

n A new Updates to Correspondent Trade Pair-Offs section

n A new Updates to Commitments section

n Updated Access to Trades Tab Personas Setting on Trades/Contacts/Dashboard/Reports Tab

n Use Custom Lender Profile for ECS Option Returned to Company Information Setting

n Four New Fields Added for Use with Encompass Investor Connect

n New Setting to Enable Barcodes for Informational Documents

n User ID That Includes a Period/Dot [.] can now be Created Through the SDK

The following entries were added to the Fixed Issues page:

n A new URLA section was added to the Fixed Issues page.

n A new Electronic Document Management section has been added to the Fixed Issues page.

n A new Updated First Change of Payment Value for 24-Month Construction entry has been added to theFixed Issues page.

n A new Performance Improvements When Working with Imported FNMA 3.2 Loan Files on Forms withMultiple Icons for Borrower Contacts entry has been added to the Fixed Issues page.

n A new Update to Calculation for Bona Fide Discount Points That Can Be Excluded Based on Reduction


in Rate entry has been added to the Fixed Issues page.

n Commitment Type on Lock Request Form Now Defaults to “Best Efforts” When Company DetailsCommitment Tab Blank

n Edit Lender Contacts Personas Setting Now Functions Properly

n Custom TPO Current Company Statuses Now Included in Reports

n Settings Reports can now be Generated for Encompass Instances That Start with a Numeric Value

The following entries were updated:

n Additional details about the new Encompass Single Sign-On (SSO) and Multi-Factor Authentication(MFA) user log in options were added to the New Single Sign-On (SSO) & Multi-Factory Authentication(MFA) Options entry on the New Features and Forms page.

n Additional system performance enhancements were added to the System Performance Enhancementsentry on the Feature Enhancements page.

n In the Updated Mapping for the HOEPA Status Field entry on the Feature Enhancements page, thefollowing bullet item was removed: "The HOEPA Status is left blank when the Section 32 Qualificationsection on the Section 32 HOEPA input form is blank."

n The Updates to External Company Setup Settings > Updates to Basic Info Settings entry on the FeatureEnhancements page was updated with new information about the new No After Hour Wires check box.

n The FNMA 3.2 File Imports Adjusted to Support New Fields and Options entry was updated to FNMA 3.4File Imports Adjusted to Support New Fields and Options on the Feature Enhancements page.

n The Support for Commitment Confirmations section has been renamed to Support for Authorized Traderon the Feature Enhancements page.

Change Type: Entry updated


Details:The New Appraisal, AVM, and EarlyCheck Fields for Correspondent Lending Data entry on the NewFeatures & Forms page has been replaced with a New Fields for Correspondent Valuation Data entry toincorporate additional correspondent lending field changes.




Details:

The following entries have been added to the New Features & Forms page:

n New Field for Correspondent Additional Insurance Monthly Amount

The following entries have been added to the Feature Enhancements page:

n FNMA 3.4 File Imports Adjusted to Support New Fields and Options

n Name Change for the “Print Additional Borrower URLA” Check Box

n Explanatory Text Added to Demographic Information Section on 1003 URLA Part 4

n APR Calculation Adjustments for Fixed Rate HELOCs

n Warning When Selecting Discontinue National Average Contract Mortgage Rate ARM Index Type

n Updates to the State-Specific Disclosure Information Input Form for Maryland

n ATR/QM Update for Original Creditor Check Boxes

n Closing Deadline Field Added to State-Specific Disclosure Information Input Form for Vermont

The following entries have been added to the Fixed Issues page:

n Aggregate Escrow Disbursement Dates No Longer Change When First Payment Date Updated Via SDKor Business Rule

n Closing Estimate Expiration Date Time Zone No Longer Updates When Locked

n Premium Source Field Can Now Be Used with Custom Forms and Business Rules

n Servicer Name Now Populates Correctly for Aggregate Escrow When Using the Address Book Icon

n ULDD/PPD Loan Program Identifier Populated When First-Time Homebuyer Option Selected

n Update to the Escrow Logic on the Closing Disclosure Page 4

n Additional Information on the Privacy Policy Output Form Now Displays the Correct Formatting

n Mortgage Insurance Fields Cleared When Template Applied with No MIP Rate or Month

n Recoup Closing Costs for VA Loans Calculating as Expected

n Lock Removed When HMDA Information Fields Are Not Pre-Populated

n Manual Edits to HMDA Co-Borrower Credit Score for Decision Making Being Retained
