An issue has been resolved that caused hidden fields in a 2010 Closing Costs template to be populated to a loan when applying the template. These hidden fields included fields that were only applicable to 2015 Closing Costs templates, for example the Underwriter Company Name (field ID REGZGFE.X8), the Contact Name (field ID 984), the contact’s phone number (field ID 1410), and the contacts email address (field ID 1411). The fields did not display on the 2010 Closing Costs template user interface, but after applying the template the hidden fields could be seen in the template's XML file. If a user then reapplied a 2015 Closing Costs template, the loan's underwriter contact fields would be overridden with these hidden fields. This issue has been addressed and the hidden fields have been removed from the 2010 data templates.

The following calculation is now used to populate the Payoffs Disbursed, Excluding Mortgages, on Behalf of Borrower(s) (field ID VASUMM.X115) on the VA Management Input Form:

• Payoffs Disbursed, Excluding Mortgages, on Behalf of Borrower(s) (field ID VASUMM.X115) = Liability Total (field ID CD3.X80) minus any Existing Lien (field ID 26) on the property.

The updated calculation is used with loans using either the standard or alternate version of the disclosures, which is controlled by the Use Alternate check box in the calculating cash to Close section on the Loan Estimate Page 2.

Previously, the following calculations were used to populate the value for the Payoffs Disbursed, Excluding Mortgages, on Behalf of Borrower(s) field:

• For standard disclosures, the field was populated with the Third Party Payments Not Otherwise Disclosed (field ID LE2.X29) minus any Existing Lien (field ID 26) on the property.

• For alternate disclosures, the field was populated with the Estimated Total Payoffs and Payments (field ID LE2.X31) minus any Existing Lien (field ID 26) on the property.

An issue was resolved that caused the employer name to not display on some printed VOE forms when more than nine VOEs were created for a loan. The employer names would print on the first nine VOE output forms created for the loan, but would not print on the remaining output forms (VOEs number ten and higher). This issue has been resolved and the employer name now displays on all printed VOEs for a loan.

To support non-refi loans that are using the URLA 2020 forms but are not using the RESPA-TILA 2015 LE and CD input forms, the MI Premium Refund (field ID 1134) is now disabled (grayed out) when the following two selections are made:

• A refinance option is not selected for the Purpose of Loan (field ID 19).

• The Itemize Credits checkbox (field ID 4796) is selected in the Total Credits section on input forms such as the 2010 Itemization, the GFE-Itemization, or the 1003 URLA Lender.

For loans using the RESPA 2010 GFE and HUD-1 forms, title insurance company information is now copied correctly to the File Contacts tool when using the Address Book icon on line 1101 on the 2010 Itemization input form to select a title company from the Business Contacts. Previously, the title company name would be populated to the File Contacts tool, but any remaining fields in the Business Contacts record would not be copied to the File Contacts tool.

This issue would not occur when using the Address Book icon in the File Contacts tool to copy title insurance company information from the Business Contacts, or when using the RESPA-TIL 2015 LE and CD forms.

This issue has been resolved and the Title Company fields are now copied correctly when using the Address Book icon on line 1101 on the 2010 Itemization.

Workaround Information:

The following workaround was provided for this production issue and is no longer required for the Encompass 23.2 release and later:

• Open the File Contacts tool, select Title Insurance Company, and click the Address Book icon next to the Company Name (field ID 411) to populate the data from your business contacts.

An issue was resolved for buydown loans that caused the Buydown Subsidy Amount (field ID SERVICE.X100) for the next payment to not populate on the Interim Servicing Worksheet after a user clicked the Start Servicing button when an option other than Borrower was selected on the Contributor drop-down list (field ID CASASRN.X141). Additionally, for a non-borrower contributed buydown, the Interest Rate for the next payment (field ID SERVICE.X17) is now adjusted based on the value from the first Buydown Rate (field ID 4535) adjustment on input forms such as the RegZ-LE and RegZ-CD.

The HELOC Drawn Total (field ID CASASRN.X167) is no longer populated with a value of 0.00 when a VOL record is created for a loan that does not have an associated HELOC (via a VOL, by linking the two loans, or by adding the HELOC to a VOAL). This update is an adjustment to logic implemented with the Encompass 22.3 Major Release to resolve an issue with running Freddie Mac’s LPA (Loan Product Advisor) for subordinate loans with a blank HELOC Drawn Total. The HELOC Drawn Total amount is now left blank when none of the loans or liabilities associated with a loan are a HELOC. The update prevents the triggering of rules and alerts that utilize the HELOC Drawn Total field for loans with no associated HELOCs.

An issue was resolved where certain fields (described below) included in a loan duplication template (Encompass > Settings > Loan Setup > Loan Duplication) would not be copied from the original loan into the duplicate loan using the duplication template.

• The drop-down list used to indicate that the co-borrower has a non-spouse with current real property rights similar to a spouse (field ID URLA.X112).

• The co-borrower Domestic Relationship Type drop-down list (field ID URLA.X114).

This issue has been resolved and the two fields are now populated correctly when creating a loan using a loan duplicate template.

An issue was resolved that caused the ATR/QM Price Limit Test (field ID 384) that displays on the ATR/QM Eligibility tab on the ATR/QM Management input form to not fail when the QM Annual Percentage Rate (field ID QM.X381) is equal to the threshold plus the APOR. This issue has been resolved and the Price Limit Test now fails when the threshold plus the APOR is equal to the QM APR.

Administrators can add the “Loans in My Pipeline” module to the Encompass Home page. The module displays a list of loans (up to 10) from a specific custom or standard Pipeline view (also selected by the administrator using the module’s Preferences options). An issue occurred where administrators selected a specific custom Pipeline view to be used by module, but the module was displaying loans from the default standard Pipeline view and not the selected custom Pipeline view. Instead of listing only the loans from the specific custom view, the module displayed the first 10 loans from the standard Pipeline view and ignored the custom filters and parameters set up for the selected custom view. This issue has been resolved and the module now displays only those loans that meet the custom parameters configured for the selected custom Pipeline view.

(Added on 6/6/2023)

This update is intended for use with Encompass Banker Edition only.

After generating disclosures through Encompass TPO Connect, the name of the loan officer assigned to the loan file was incorrectly indicated as the co-borrower when the disclosure details were viewed in the Disclosure Tracking Tool in Encompass as shown below (Encompass > Tools > Disclosure Tracking > (open Disclosure History record to display Disclosure Details window) > Details tab.

Note that while the loan officer was incorrectly indicated as the co-borrower here, the co-borrower name was indicated correctly on the generated disclosures in terms of documents, signature lines, etc.

This issue in the Disclosure Tracking Tool has been resolved and the correct co-borrower name is now indicated as expected in broker-generated loans viewed in Encompass 23.2.0.1.