Encompass Consumer Connect Field Guide
You can show or hide fields and questions in the form-style loan application by selecting or clearing the Show check boxes; however, we highly recommend using the default Show settings.
Be careful modifying the loan application. Some fields are dependent on or impact other fields in the loan application. For example, when the My total monthly income (estimated) is: field is hidden, the total income is not calculated or displayed to the borrower. In addition, certain field values are required to run the Underwriting service that are not automatically shown when the Underwriting service is enabled. View required fields for services.
This page contains the following loan application sections and their fields:
Loan Details
Consumer Connect URLA 2020 Default Field Name | Encompass Field Name / ID |
Field Status |
Notes |
---|---|---|---|
Title: Purpose of Your Loan | |||
Who Referred You? | Who Referred You? / 1822 | New | |
Are you currently working with a loan officer? | Not applicable | New | |
Choose the loan officer below | Not applicable | New | |
Loan Purpose | Purpose of Loan / 19 | Existing | |
Loan Type | Loan Type / 1172 | Existing | |
Estimated Purchase Price | Purchase Price / 136 | Existing | |
Estimated Property Value | Estimated Property Value / 1821 | Existing | |
Down Payment Amount |
Down Payment / 1335 |
Existing | |
Down Payment Percentage | Down Payment % / 1771 | Existing | |
Estimated Value | Estimated Value / 1821 | Existing | |
Current Loan Balance | Existing Lien, Existing Debt / 26, 3052 | Changed | URLA 2009 form style field name: Current Loan Amount |
Requested Loan Amount | Loan Amount / 1109 | Existing | |
Requested Line of Credit | Loan Amount, HELOC Credit Limit / 1109, CASASRN.X168 | Existing | |
Initial Draw Amount | HELOC Initial Advance, HELOC Actual Balance / 1888, CASASRN.X167 | Existing | |
Your Loan Amount | Loan Amount / 1109 | Existing | |
Source of Down Payment |
Source of Down Payment, Source/EIN / 34, 3009 |
Existing | |
Gift Amount | Down Payment 2 Amount (Gift Funds) / 220 | Existing | |
Explanation of Gift | Explanation of Down Payment / 191 | Existing | |
Do you have a second mortgage? | Not applicable | Existing | |
Do you have an outstanding mortgage balance? | Lien Position / 420 | Existing | |
What is your mortgage balance? | First Subordinate Lien Amount / 427 | Existing | |
Do you want to pay off this loan with the new loan? | Not applicable | Existing |
Property Details
Default CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Property Details | ||
Have you identified a home to purchase? | Not applicable | Existing |
Do you own the lot you are constructing on? | Not applicable | Existing |
Are you refinancing your current home? | Not applicable | Existing |
Will you be living in the property you are purchasing? | Not applicable | Existing |
Are you requesting a home equity line of credit on your current home? | Not applicable | Existing |
When did you acquire this property? | Refinance Year Acquired / 24 | Existing |
What was the original price of the home? | Original Cost / 25 | Existing |
Are you refinancing from a current FHA loan program to new FHA loan program? | Refinancing from a Current FHA Loan / MORNET.X41 | Existing |
Approximately when did you close this loan? | Previous Purchase Date / 3058 | Existing |
Have you signed a contract? | Not applicable | Existing |
What is the estimated closing date? | Trans Details Est Closing Date / 763 | Existing |
Address Line 1 | Address /11 | Existing |
Unit Type | Unit Type / URLA.X74 |
New |
Unit # | Unit # / URLA.X75 |
New |
City | City / 12 | Existing |
County | County / 13 | Existing |
State | State / 14 | Existing |
Zip Code | Zip / 15 | Existing |
Property Type | Property Type, Property Type / 1041, 1553 | Existing |
Property Use | Property Will Be / 1811 | Existing |
Are you applying for an FHA loan on a second home that you will be occupying for less than six months of the year? | FHA Secondary Residence / URLA.X76 |
New |
Will you set aside space within the property to operate your own business? | Set aside space with property / URLA.X7 |
New |
Number of Units | Number of Units / 16 | Existing |
Year Built | Year Built /18 | Existing |
Construction Details
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Construction Details | ||
Year Lot Acquired | What year did you acquire the lot? / 20 | Existing |
Original Cost of Lot | What was the original cost of the lot? / 21 | Existing |
Outstanding Liens on Lot | Are there any outstanding liens on the lot? / 10 | Existing |
Estimated Value of the Lot | What is the estimated value of the lot? / 22 | Existing |
Estimated Cost of Construction | What is the estimated cost of construction? / 23 | Existing |
Estimated Value at Completion of Construction | Estimated Value / 1821 | Existing |
Deposit Amount With Builder | Deposit | Existing |
Personal Information
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Joint Credit |
||
Are you applying for joint credit with a co-borrower? | Is joint credit, Is joint credit / URLA.X3, URLA.X4 | New |
How many total borrowers, including yourself, are applying for credit? | Total number of borrowers for credit / URLA.X261 | New |
The income/assets of a person other than the Borrower (including the borrower’s spouse) will be used for loan qualification. | The Income/assets of a person other than the borrower will be used, The Income/assets of the Borrower's spouse will not be used / 307, 35 |
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Borrower Name |
||
First Name | Borrower First Name / 4000 | Existing |
Middle Name | Borrower Middle Name / 4001 | Existing |
Last Name | Borrower Last Name / 4002 | Existing |
Suffix | Suffix / 4003 | Existing |
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Borrower Information |
||
Borrower Email / 1240 | Existing | |
Date of Birth | Date of Birth / 1402 | Existing |
Social Security Number | Social Security Number / 65 | Existing |
Citizenship | Citizenship / URLA.X1 | New |
Marital Status | Marital Status / 52 | Existing |
Is there a person who is not your legal spouse but who currently has real property rights similar to those of a legal spouse? | Person with legal property rights / URLA.X111 | New |
Domestic Relationship Type | Domestic Relationship Type / URLA.X113 | New |
Other Domestic Relationship Type | Other Domestic Relationship Type / URLA.X115 | New |
State of Formed Relationship | State of Formed Relationship / URLA.X117 | New |
Number of Dependents | Number of Dependents / 53 | Existing |
Age of Dependents | Dependent Age(s) / 54 | Existing |
Cell Phone | Cell Phone / 1490 | Existing |
Home Phone | Home Phone / 66 | Existing |
Work Phone | Work Phone / 4533 | Existing |
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Borrower Military Service |
||
Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces? | Borrower Serve in the Armed Forces / URLA.X13 | New |
Currently serving on active duty | Currently serving on active duty / URLA.X123 | New |
Expiration date of service/tour | Expiration date of service/tour / URLA.X17 | New |
Currently retired, discharged, or separated from service | Currently retired, discharged, or separated from service / URLA.X124 | New |
Only period of service was as non-activated member of the Reserve or National Guard | Only period of service was as non-activated member of the Reserve or National Guard / URLA.X125 | New |
Surviving spouse | Surviving spouse / URLA.X19 | New |
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Borrower Language Preference |
||
Language Preference | Language Preference / URLA.X21 | New |
Other (explain) | Other (explain) / URLA.X35 | New |
Co-Borrower Information
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Co-Borrower Name |
||
First Name | Co-Borrower First Name / 4004 | Existing |
Middle Name | Co-Borrower Middle Name / 4005 | Existing |
Last Name | Co-Borrower Last Name / 4006 | Existing |
Suffix | Suffix / 4007 | Existing |
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Co-Borrower Alternate Names |
||
First Name | Alternate First Name / URLACAKA0006 | New |
Middle Name | Alternate Middle Name / URLACAKA0007 | New |
Last Name | Alternate Last Name / URLACAKA0008 | New |
Suffix | Alternate Suffix / URLACAKA0009 | New |
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Co-Borrower Information |
||
Co-Borrower Email / 1268 | Existing | |
Date of Birth | Date of Birth / 1403 | Existing |
Social Security Number | Social Security Number / 97 | Existing |
Citizenship | Citizenship / URLA.X2 |
New |
Marital Status | Marital Status / 84 | Existing |
Is there a person who is not your legal spouse but who currently has real property rights similar to those of a legal spouse? | Person with legal property rights / URLA.X112 | New |
Domestic Relationship Type | Domestic Relationship Type / URLA.X114 | New |
Other Domestic Relationship Type | Other Domestic Relationship Type / URLA.X116 | New |
State of Formed Relationship | State of Formed Relationship / URLA.X118 | New |
Number of Dependents | Number of Dependents / 85 | Existing |
Age of Dependents | Dependent Age(s) / 86 | Existing |
Cell Phone | Cell Phone / 1480 | Existing |
Home Phone | Home Phone / 98 | Existing |
Work Phone | Work Phone / 4534 | Existing |
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Co-Borrower Military Service |
||
Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces? | Co-Borrower Serve in the Armed Forces URLA.X14 | New |
Currently serving on active duty | Currently serving on active duty / URLA.X126 | New |
Expiration date of service/tour | Expiration date of service/tour / URLA.X18 | New |
Currently retired, discharged, or separated from service | Currently retired, discharged, or separated from service / URLA.X127 | New |
Only period of service was as non-activated member of the Reserve or National Guard | Only period of service was as non-activated member of the Reserve or National Guard / URLA.X128 | New |
Surviving spouse | Surviving spouse / URLA.X20 | New |
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Co-Borrower Language Preference |
||
Language Preference | Language Preference / URLA.X22 | New |
Other (explain) | Other (explain) / URLA.X36 | New |
Borrower Address
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Borrower Residential Address |
||
Address Line 1 | Address / FR0104 | Existing |
Unit Type | Unit Type / BR0125 | New |
Unit # | Unit # / BR0127 | New |
City | City / FR0106 | Existing |
County | County / BR0122 | Existing |
State | State / FR0107 | Existing |
Zip Code | Zip / FR0108 | Existing |
Country | Country / BR0128 | Existing |
How long have you been at this address? | Not applicable | Existing |
Years | Number of years / FR0112 | Existing |
Months | Months / FR0124 | Existing |
Housing | Housing / BR0115 | Existing |
Monthly Rent | Monthly Rent / BR0116 |
New |
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Borrower Previous Address | ||
Address Line 1 | Street Address / BR0326 | Existing |
City | City / BR0306 | Existing |
County | County / BR0322 | Existing |
State | State / BR0307 | Existing |
Zip Code | Zip / BR0308 | Existing |
How long have you been at this address? | Not applicable | Existing |
Years | Number of years / BR0312 | Existing |
Months | Months / BR0324 | Existing |
Housing | Housing / BR0315 | Existing |
Monthly Rent | Monthly Rent / BR0316 |
New |
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Subtitle: Borrower Mailing Address | ||
Is your mailing address the same as your current address? | Same as Present / 1819 | Existing |
Address Line 1 | Street Address / 1416 | Existing |
City | City / 1417 | Existing |
State | State / 1418 | Existing |
Zip Code | Zip / 1419 | Existing |
Country | Country / URLA.X11 | Existing |
Co-Borrower Address
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Co-Borrower Residential Address | ||
Same as the borrower's residential address? | Not applicable | Existing |
Address Line 1 | Street Address / CR0226 | Existing |
Unit Type | Unit Type / CR0225 | New |
Unit # | Unit # / CR0227 | New |
City | City / CR0206 | Existing |
County | Co-Borrower Current County / CR0222 | Existing |
State | State / CR0207 | Existing |
Zip Code | Zip / CR0208 | Existing |
Country | Country / CR0228 | Existing |
How long have you been at this address? | Not applicable | Existing |
Years | Number of years / CR0212 | Existing |
Months | Months / CR0224 | Existing |
Housing | Housing / CR0215 | Existing |
Monthly Rent | Monthly Rent / CR0216 |
New |
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Co-Borrower Previous Address | ||
Address Line 1 | Street Address / CR0426 | Existing |
Unit Type | Unit Type / CR0425 | New |
Unit # | Unit # / CR0427 | New |
City | City / CR0406 | Existing |
County | Co-Borrower Current County / CR0422 | Existing |
State | State / CR0407 | Existing |
Zip Code | Zip / CR0408 | Existing |
Country | Country / CR0428 | Existing |
How long have you been at this address? | Not applicable | Existing |
Years | Number of years / CR0412 | Existing |
Months | Months / CR0424 | Existing |
Housing | Housing / CR0415 | Existing |
Monthly Rent | Monthly Rent / CR0416 |
New |
CC Field Name | Encompass Field Name / ID |
Field Status |
---|---|---|
Title: Co-Borrower Mailing Address | ||
Is the mailing address the same as the residential address? | Same as Present / 1820 | Existing |
Address Line 1 | Street Address / CR0426 | Existing |
Unit Type | Unit Type / CR0425 | New |
Unit # | Unit # / CR0427 | New |
City | City / CR0406 | Existing |
State | State / CR0407 | Existing |
Zip Code | Zip / CR0408 | Existing |
Country | Country / CR0428 | Existing |
Borrower Employment & Income
Co-Borrower Employment & Income
Expenses
Assets
Order Credit
Liabilities
Additional Details
Rates
eConsent
Declarations
Disclosures
State Disclosures
Miscellaneous