Government Monitoring and Declarations Field Reference Guide
The following tables list the Encompass Consumer Connect loan application fields for Government Monitoring and Declarations. Any data provided by the borrower and co-borrower for these fields will be shared with the underwriting service that is enabled in the loan application workflow.
Borrower Declarations
Field Name | Encompass Field ID |
---|---|
About this Property and Your Money for this Loan | |
A. Will you occupy the property as your primary residence? | 418 |
B. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property? | URLA.X84 |
C. Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application? | URLA.X86 |
D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? | URLA.X90 |
D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? | URLA.X92 |
E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)? | URLA.X94 |
About Your Finances | |
F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? | URLA.X96 |
G. Are there any outstanding judgments against you? | 169 |
H. Are you currently delinquent or in default on a federal debt? | URLA.X98 |
I. Are you a party to a lawsuit in which you potentially have any personal financial liability? | URLA.X100 |
J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years? | URLA.X102 |
K. Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due? | URLA.X104 |
L. Have you had property foreclosed upon in the last 7 years? | URLA.X106 |
M. Have you declared bankruptcy within the past 7 years? | 265 |
Borrower Demographic Information
Field Name | Encompass Field ID |
---|---|
Ethnicity | |
Hispanic or Latino | 4210 |
Mexican | 4144 |
Puerto Rican | 4145 |
Cuban | 4146 |
Other Hispanic or Latino - Enter Origin: | 4147 |
Not Hispanic or Latino | 4211 |
I do not wish to provide this information | 4205 |
Race | |
American Indian or Alaska Native Enter name of enrolled or principal tribe: | 1524 |
Asian | 1525 |
Asian Indian | 4148 |
Chinese | 4149 |
Filipino | 4150 |
Japanese | 4151 |
Korean | 4152 |
Vietnamese | 4153 |
Other Asian - Enter Race: | 4154 |
Black or African American | 1526 |
Native Hawaiian or Other Pacific Islander | 1527 |
Native Hawaiian | 4155 |
Guamanian or Chamorro | 4156 |
Samoan | 4157 |
Other Pacific Islander - Enter Race: | 4158 |
White | 1528 |
I do not wish to provide this information | 4252 |
Sex | |
Female | 4193 |
Male | 4194 |
I do not wish to provide this information | 4195 |
Co-Borrower Declarations
Field Name | Encompass Field ID |
---|---|
About this Property and Your Money for this Loan | |
A. Will you occupy the property as your primary residence? | 1343 |
B. If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property? | URLA.X85 |
C. Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application? | URLA.X87 |
D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? | URLA.X91 |
D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? | URLA.X93 |
E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)? | URLA.X95 |
About Your Finances | |
F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? | URLA.X97 |
G. Are there any outstanding judgments against you? | 175 |
H. Are you currently delinquent or in default on a federal debt? | URLA.X99 |
I. Are you a party to a lawsuit in which you potentially have any personal financial liability? | URLA.X101 |
J. Have you conveyed title to any property in lieu of foreclosure in the past 7 years? | URLA.X103 |
K. Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby the property was sold to a third party and the Lender agreed to accept less than the outstanding mortgage balance due? | URLA.X105 |
L. Have you had property foreclosed upon in the last 7 years? | URLA.X107 |
M. Have you declared bankruptcy within the past 7 years? | 266 |
Co-Borrower Demographic Information
Field Name | Encompass Field ID |
---|---|
Ethnicity | |
Hispanic or Latino | 4213 |
Mexican | 4159 |
Puerto Rican | 4160 |
Cuban | 4161 |
Other Hispanic or Latino - Enter Origin: | 4162 |
Not Hispanic or Latino | 4214 |
I do not wish to provide this information | 4206 |
Race | |
American Indian or Alaska Native Enter name of enrolled or principal tribe: | 1532 |
Asian | 1533 |
Asian Indian | 4163 |
Chinese | 4164 |
Filipino | 4165 |
Japanese | 4166 |
Korean | 4167 |
Vietnamese | 4168 |
Other Asian - Enter Race: | 4169 |
Black or African American | 1534 |
Native Hawaiian or Other Pacific Islander | 1527 |
Native Hawaiian | 1535 |
Guamanian or Chamorro | 4171 |
Samoan | 4172 |
Other Pacific Islander - Enter Race: | 4173 |
White | 1536 |
I do not wish to provide this information | 4253 |
Sex | |
Female | 4197 |
Male | 4198 |
I do not wish to provide this information | 4195 |