Encompass Release Notes (Banker Edition) 20.1...

Encompass Release Notes20.1 July Service PackVersion 20.1.0.12 Server Patch 9

(Banker Edition)

Last revised on August 24, 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: August 24, 2020 | Encompass Release Notes (Banker Edition) | 2

Table of Contents

Encompass 20.1.0.12 Server Patch 9 Release Notes 4

Encompass Release Naming and Timing Reminder 4

System Requirements and SDK Upgrade Requirement for Encompass 5

Feature Enhancements in Version 20.1.0.12 Server Patch 9 6

Updates to the Encompass Server (i.e., Server Patch 9) 6

Update to the Encompass Server (i.e., Server Patch 9) and Client Machines (20.1.0.12) 8

Updates to the Encompass Client Machines 13

Fixed Issues for Version 20.1.0.12 Server Patch 9 34

Update to the Encompass Server (i.e., Server Patch 9) 34

Update to the Encompass Server (i.e., Server Patch 9) and Client Machines (20.1.0.12) 35

Updates to the Encompass Client Machines 38

Release Notes Change Log for Version 20.1.0.12 Server Patch 9 46


Encompass 20.1.0.12 Server Patch 9 ReleaseNotesEncompass 20.1 July Service Pack (version 20.1.0.12 server patch 9)

These are the release notes for the Encompass 20.1 July Service Pack (version 20.1.0.12 server patch 9). They includes a high-level overview of the feature enhancements and fixed issue in this release. Refer to the online help and the Guides & Documents page for additional information and related documents.

This Encompass 20.1 July Service Pack release includes updates to users' Encompass client machines(20.1.0.12) and a Server Patch (server patch 9) that is applied to the Encompass Server.

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.

The Encompass 20.1 July Service Pack contains updates to users' Encompass client machines (20.1.0.12)and a Server Patch (server patch 9) that is applied to the Encompass Server. The client-side update can becontrolledmanually via the Encompass VersionManager tool. If the tool has been configured to always applynew releases to users’ computers automatically, users will receive this update upon their initial log in ofEncompass following the release.

Please note that the Server Patch included with this release will be applied to the Encompass Serverautomatically and cannot be controlledmanually via the Encompass VersionManager tool.

In Encompass, go to Help > About Encompass in themenu bar to view your Encompass version. Once theclient-side update is applied, your new version number will be 20.1.0.12 Server Patch 9.


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

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

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

System Requirements and SDK Upgrade Requirement forEncompass

Have you reviewed the latest System Requirements?

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.

The Encompass SDK (Encompass Software Development Kit) has been repackaged with this 20.1 July Service Pack release. Although it is not required, it is recommended that you upgrade to this latestSDK 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.

Visit the Encompass SDK Install Files page to access the latest SDK install files.

Again, upgrading to this latest SDK package is recommended, but not required, for this 20.1 July ServicePack release.


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

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

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

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

Feature Enhancements in Version 20.1.0.12 ServerPatch 9

Updates to the Encompass Server(i.e., Server Patch 9)

Below are updates in the Server Patch that is applied to the Encompass Server. The Server Patch containsthe relevant Encompass code that applies to the following feature enhancement. The Server Patch includedwith this release will be applied to the Encompass Server automatically and cannot be controlledmanually viathe Encompass VersionManager tool.

Encompass System Updates

Ellie Mae Invoice Management Moved to shop.elliemae.com

In earlier versions of Encompass, authorized users would view, pay, andmanage Ellie Mae invoices withinEncompass. In the Encompass 20.1 July Service Pack release, users will start accessing andmanaging theirinvoices at shop.elliemae.com.

To access your invoices, follow the same path as in previous versions of Encompass.

1. On the Encompass Home page, click theManage My Account link located in theMy Accountpanel on the right side of the page.

2. You are taken to the Ellie Mae shop.elliemae.com website. Click My Account in themenu bar,and then select Open Invoices.


3. Type the open invoice number, and then click the Submit button to view the invoice.

While visiting shop.elliemae.com, you can also learn about advisory consulting opportunities, explore classofferings from Ellie Mae Academy, access AllRegs resources, andmore.

NICE-29654


Encompass Forms and Tools

New Property Estate Type Field on ULDD/PDD Input Form

A new Property Estate Type drop-down list (field ID ULDD.X197) has been added to the ULDD/PDD inputform to capture amapped value from the following fields:

n For loans using the 2009 URLA forms, from the Estate will be held in field (field ID 1066) or theMannerfield (field ID 33) on the 1003 Page 1 input form.

n For loans using the new URLA forms The Estate will be held in (field ID 1066) or theManner inWhichtitle will be Held check boxes (field ID URLA.X139) on the 1003 URLA – Lender input form.

The new Property Estate Type drop-down list includes the following three options, which are populated byEncompass using the logic described below. Encompass users can click the Lock icon next to the field toselect an optionmanually.

n Fee Simple – This option is populated when Fee Simple is selected in field 1066 for either 2009 URLAor New URLA loans.

n Leasehold – This option is populated when Leasehold is selected in field 1066 for either 2009 URLA orNew URLA loans.

n Other – This option is populated whenOther is selected in field 33 for 2009 URLA loans or when theLife Estate check box (field URLA.X138) is selected for new URLA loans.

CBIZ-32229

Update to the Encompass Server(i.e., Server Patch 9) and Client Machines (20.1.0.12)

The Encompass 20.1 July Service Pack release includes the following feature enhancements. In order forthese enhancements to be fully integrated into your Encompass system, both the Server Patch and the client-side update provided with this releasemust be applied. The Server Patch included with this release is appliedto the Encompass Server automatically and cannot be controlledmanually via the Encompass VersionManager tool. The client-side update in this release can be controlledmanually via the Encompass VersionManager tool. If the tool has been configured to always apply client-side updates to users’ computersautomatically, users will receive the client-side updates upon their initial log in of Encompass following therelease.

Again, the feature enhancements listed below will not be fully implemented until both the Server Patchand the client-side updates are applied to your Encompass system.



Update HMDA Mapping for HMDA Origination Charges for NegativeValues

An update has beenmade to themapping for Origination Charges (field ID HMDA.X79) for covered loanssubject to the Closing Disclosure requirements of Regulation Z § 1026.19(f) to ensure that the originationcharges are accurately calculated and reported for HMDA/LAR purposes when a loan has a negative value forthe origination charges.

For Covered Loans subject to the Closing Disclosure requirements of Regulation Z, 12 CFR 1026.19(f), thetotal of all itemized origination charges is disclosed on Line A of the Closing Cost Details page of the ClosingDisclosure. When this total is a negative number for loans with Yes populated in the CD Required drop-downlist (field ID HMDA.X121) on the HMDA information input form, Encompass now populated the negativelender credits in the HDMA Origination Charges field (field ID HMDA.X79).

The HMDA Batch Update Tool has also been updated to use the revised logic.

CBIZ-21145


Special Feature Code Lookup Feature Added to the ULDD/PDD InputForm

A Lock icon and an Edit icon have been added to the Investor Feature ID fields on the ULDD/PDD input formto enable users tomanually add Special Feature Codes or to select preconfigured special feature codes for aloan. As many as 10 codes can be added. These fields display on the FannieMae and FreddieMac tabs on theULDD/PDD input form (field IDs ULDD.X36 and ULDD.X179).

Introduced in the Encompass 20.1 June Service Pack, the Field Triggers business rule settings now include anew action type called Add Special Feature Code which enables administrators and authorized users toselect one or more FannieMae (DU) or FreddieMac (LPA) special feature codes to be applied to applicableloans when the rule is triggered. In this Encompass 20.1 July Service Pack release, these settings for the AddSpecial Feature Code option are now fully operational and the business rules will be triggered and enforced asapplicable.

In addition, administrators can now import and export these types of Field Triggers business rules. Use theImport and Export icons provided near the top of the settings screen to import or export these rules.

For detailed information about using business rules to populate these fields, refer to the "New FannieMae andFreddieMac Special Feature CodeOption for Business Rules" entry on the Feature Enhancements page inthe Encompass 20.1 June Service Pack release notes.

To Manually Enter a Special Feature Code:

n Click the Lock icon and then type one of more Special Feature Codes in the field, separating eachfeature code with a space.


To Select and Add Special Feature Codes Using the Edit Icon:

1. Click the Edit Icon to open the Special Feature Codes Look-up window.

n The window displays the Special Feature Codes configured in the Special Feature Codessetting (Encompass Settings > Tables and Fees > Special Feature Codes).

n Only FannieMae codes display when accessing the window from the Fannie Mae tab.

n Only FreddieMac codes display when accessing the window from the Freddie Mac tab.

2. On the Special Feature Codes Look-up pop up window, sort and filter the entries as needed:

n Click the header for the Code or Description column to sort the column in alphanumericorder.

n Click the Add/Delete column header to sort the entries based on the check box selections.

n Type all or part of a Code or Description in the search fields above the Code or Descriptioncolumn to filter the entries. At least three characters must be entered to run a filter. Toapply the filter, press the Enter or Tab key or click outside the search box.

3. Select or clear check boxes to add or remove a code on the Investor Feature ID field.


4. When finished, click OK to add the codes or click Cancel to cancel your changes and return tothe ULDD/PDD form.

n Select up to 10 check boxes. If you select an 11th check box, an error message displaysstating that only 10 Special Feature Codes can be submitted.

Migration

For loans created prior to updating to the Encompass 20.1 July Service Pack release, previous selections forthe Investor Feature ID field are retained, and the fields are not editable. Click the Lock icon to edit the entries.

CBIZ-32186

Encompass Settings

Status Online Features and Settings Now Displayed for All Users

Starting in Encompass 20.1.0.12 Server Patch 9, the Company Status Online settings screen now displaysfor all administrators and authorized users in Encompass Settings. In previous versions of Encompass, thissettings screen would display only for clients who had opted into this feature and Ellie Mae had enabled thescreen to display for them. Use the Company Status Online settings to set up your company’s defaulttemplates and triggers for the Status Online tool and to authorize Encompass users to use the Status Onlinefeature, including the Status Online Tool and the Personal Status Online setting.

NICE-29844


Updates to the Encompass Client Machines

The Encompass 20.1 July Service Pack release includes the following enhancements, which are client-sideupdates that are applied to users' Encompass client machines. This client update can be controlledmanuallyvia the Encompass VersionManager tool. If the tool has been configured to always apply new releases tousers’ computers automatically, users will receive this update upon their initial log in of Encompass followingthe release.

Encompass System Performance Updates

System Performance Enhancement Options Added to EncompassAdmin Tools to Enable Administrator to Enable or Disable TheseEnhancements

Several new options are available to improve Encompass system performance and help ensure that users canoperatemore efficiently and create and updatemore loans in less time. These system enhancement optionscan bemanaged (enabled/disabled) by administrators by using these new settings in the Encompass AdminTools’ Settings Manager.

n Loan Open Performance Improvements – A new LoanOpen Performance Improvementscomponent is now available in the Components category in the Settings Manager. This option is set toDisabled by default.


When enabled, the following enhancements are applied to the Encompass client machines. (Toenable this setting, double-click the Value field, and then select Enabled.):

n When opening a loan file, the system now retrieves and processes the following user informationand settings from the system cache instead of retrieving these from the Encompass database:

n User license information

n Business calendar

n The user’s service configuration settings (such as the configurations set up in theEncompass Compliance Service, Mortgage Insurance settings, etc.)

n Input form access permissions level

n Milestone access permission level


n Access to print forms

n Input field validation

n Dynamic DataManagement (DDM) trigger timestamp

n When opening a loan file, the system now retrieves and loads various types of loan-relatedinformation (rate lock status, loan property information, Pipeline information, and additional loandata) at the same time (in one API call) instead of loading them individually.

n Plan Code conflicts aremanagedmore efficiently

n Print Auto Selection business rules can be created so that specified forms areautomatically listed in the Selected Forms panel of the Print window when the requiredloan conditions aremet so forms can be printed quickly. When enabled, the system willnow perform the actions required to attach the forms to the Print window accordingly afterthe user logs into Encompass- and before the user opens a loan. Prior to this option beingavailable, the attach process was performed after the user opened the loan.

n Show Loan Save Progress Bar – A new Feature category has been added to the Settings Manager,along with the new Show Loan Save Progress Bar option. This option is disabled (False) by default.


When enabled, the new loan save progress bar will be provided in the loan workspace to indicatewhen the loan save process starts and when it is completed. (To enable this setting, double-click theValue field, and then select True.):

Any time a user clicks the Save icon to save changes to a loan, the progress bar displays at the verybottom of the loan workspace. This enhancement provides the user with a clear indication of how theloan save process is progressing and when it is finished. In earlier versions of Encompass, there wasno indicator for this process.

The loan status bar is displayed only when the user clicks the Save icon. System autosaves thatare performed at various times (such as when a disclosure tracking record is added to the loan) willnot use this loan save progress bar at this time. This enhancement will be provided in a futureEncompass release.

When the Save icon is clicked, the loan status bar displays at the bottom of the loan workspace.


As the loan save process progresses, the status bar progresses accordingly.

Once the loan save is complete, the status bar is no longer displayed. Instead, the Trade Update iconand eFolder Attachment Status icon are displayed in this location.

When you click the Save icon again to save changes to the loan, the status bar is displayed hereagain.

In addition to the loan save progress bar described above, an enhanced version of the loan saveprogress bar is also available when running Encompass in Diagnostic Mode (i.e., Diagnostic Mode –Entire Session or Diagnostic Mode- Just in Time). This enhanced version indicates each activity thatis being performed during the loan save process so that the user can observe the time it takes tocomplete each activity.

Each activity area is indicated in the progress bar and color coded to indicate where time is spent intwo categories:


n Encompass activities performed (such as calculations and business rules) and loan data saved(blue)

n Activities performed through all custom extensions and custom plugins that are registered to run inloan save (orange).

As the loan save process progresses, the status bar progresses accordingly.

The time spent to perform each of the activities is recorded and the name of the plugin being executedis provided with this enhanced loan save progress bar.

Note that the standard loan save progress bar is also displayed at the bottom of the loan workspaceduring the loan save process when using the enhanced loan save progress bar in Diagnostic Mode.

Once the loan save process is completed, the Loan SaveMetrics icon is displayed at the bottom ofthe workspace.

Click this icon to view specific details about each loan save that has been performed, including abreakdown of the time spent saving data and performing Ellie Mae activities versus custom pluginsand extensions versus custom field calculations. Click the graph details to drilldown into deeperdetails. This option can help users troubleshoot and pinpoint slow loan saves and/or custom plugins.


n Show Pipeline Tab at Startup - A new Client category has been added to the Settings Manager,along with the new Show Pipeline Tab at Startup option. This option is disabled (False) by default.

When logging into Encompass, the users land on the Encompass Home page (with a splashmessageif applicable). Starting in this 20.1 July Service Pack release, when this option is enabled, the userswill bypass the Home page and land directly on their Pipeline tab instead (with a splashmessage ifapplicable), so that they can begin working on their loans immediately.

To enable this option, double-click the Value field, and then select True.

Note that for users who do not have access to the Pipeline, they will continue to land on the Homepage when logging in.

NICE-30270, NICE-30952, NICE-30954



Updates in VA Cash-Out Refinance Loan Home Equity Remaining forProposed Loan)

The following updates have beenmade to address issues with the appraised value used in the calculation forthe remaining HomeEquity Remaining (field ID VASUMM.X112) for a proposed VA cash-out refinance loan asdescribed in V.A. Cash-Out Refinance Circulars 26-18-30 and 26-19-05.

The following updates have beenmade to the calculation for the HomeEquity Remaining (field IDVASUMM.X112) for the proposed loan:

n When the Appraised Value (field ID 356) has a value entered, the HomeEquity Remaining (field IDVASUMM.X112) for the proposed loan is the Appraised Value (field ID 356) minus the Outstandingbalance Property Liens (field ID VASUMM.X126).

n When the Appraised Value (field ID 356) is blank and the Reasonable (Estimated) Value (field ID 1821)has a value entered, the HomeEquity Remaining (field ID VASUMM.X112) for the proposed loan isthe Estimated Value (field ID 1821) minus the Outstanding balance Property Liens (field IDVASUMM.X126).

To enable easy entry of the estimated appraised value for the proposed loan, the Reasonable (Estimated)Value (field ID 1821) has been added to the Cash-Out Refinance tab on the VA Management input form.


CBIZ-24316


Updated Calculations for Down Payment/Funds From Borrower andFunds for Borrower

With the Encompass 19.1 release, an update was made to the calculation of Down/Payment/Funds FromBorrower (LE2.X2) and Funds for Borrower (LE2.X3) to include in 3rd party payoffs. Some customers haveprovided feedback that they would like to include the payoffs only for certain types of purchase transactions.The updates listed below have beenmade to enable Encompass users to adjust the calculations for theseamounts on purchase loans:

n A new Include Payoffs in Adjustment and Credits (field ID LE2.X101) has been added to theCalculating Cash to Close section on the Loan Estimate Page 2 input form. This check box displaysonly when using standard disclosure documents for a loan with the Purchase check box selected forthe Loan Purpose (field ID 19). By default, the check box is cleared. When selected, payoffs areincluded in adjustments and credits for purchase loans.

n A new Total Purchase Payoffs included in Adjustments (K04) (Purchase Transaction only) amount(field ID CD3.X1543) has been added to the Adjustments andOther Details pop-up window. Bydefault, this field is blank.

CBIZ-25500


Encompass ZIP Code Database Update

The Encompass ZIP code database has been updated with the latest available ZIP code data released in July2020.

CBIZ-31648

Lock Date, Number of Days, and Lock Expires Fields No LongerEditable After Locking Rate via Secondary Registration

(Updated on 7/28/2020)

To ensure that Encompass users cannot change the rate lock calculations in Encompass after the rate hasbeen locked using the Secondary Registration Tool, the following fields are now read-only when the rate islocked and the Secondary Registration check box (field ID 3941) is selected:

n Lock Date (field ID 761)

n # of Days (field ID 432)

n Lock Expires (field ID 762)

These fields display on Encompass forms such as the Borrower Summary – Origination, Borrower Summary –Processing, Loan Submission, and VA Management.

Additional changes may still bemade to these fields if the rate is relocked via Secondary Registration.

CBIZ-31855

MI Termination Date Fields Added to Amortization Schedule Tool

The following threeMI termination date fields have been added to the top of the Amortization Schedule tool(accessible within a loan file by clicking the Tools tab on the lower-left and then clicking AmortizationSchedule):

n MI Termination Date (78%) (field ID 118)

n MI Termination Date (80%) (field ID 118)

n Date of First Payment Without Monthly MI Payment (field ID CORRESPONDENT.X475) – This isa new field that displays the calculated date when the first payment without mortgage insurancepayments is made on a conventional, FHA, VA, or USDA loan. This field is blank for loans with MI thatis life of loan. Users can click the Lock icon to edit the date. The field is also available in theEncompass Reporting Database and can be added to custom input forms.


CBIZ-31897

Two New Fields in Encompass Reporting Database to Store Text forGSE Messages

Two new fields have been added to the Encompass Reporting Database to storemessage text for GSE loanownership for future functionality with FannieMae’s Desktop Underwriter (DU) or FreddieMac’s Loan ProductAdvisor (LPA).

n FannieMaeOwnedMessage (field ID MORNET.X157)

n FreddieMac OwnedMessage (field ID CASASRN.X20)

The fields do not display on any Encompass input forms but are accessible in the Encompass ReportingDatabase.

CBIZ-32331


New URLA

New URLA Address Fields Now Being Used on Borrower SummaryInput Forms

For loans using the new URLA input forms, the address fields on the Borrower Summary – Origination andBorrower Summary – Processing input forms for the subject property address, present address, and previousaddress fields for the borrower and co-borrower are being updated to be consistent with the address fields onthe new URLA input forms, as shown below. The following fields now display in the sections listed below.

Subject Property Information

The Subject Property Information fields have been updated to use the address fields from the 1003 URLA Part4. The field IDs for these fields are the same as the field IDs on the new URLA forms. A new UnincorporatedArea field has also been added.


Current Address

The labels for the Borrower Present Address and Co-Borrower Present Address sections have beenrenamed Borrower Current Address and Co-Borrower Current Address, and the following fields nowdisplay in each section. The field IDs for these fields are the same as the field IDs on the 1003 URLA Part 1input form.

Former Address

The labels for the Previous Address sections for the borrower and co-borrower have been renamed FormerAddress, and the following fields now display in each section. The field IDs for these fields are the same asthe field IDs on the 1003 URLA Part 1 input form.

CBIZ-27125


Two New Encompass Admin Tools Options for New URLA Forms

Recent GSE updates to the new URLA forms have removed the sections dealing with Language Preference(URLA Part 1) and Homeownership Education and Housing Counseling (URLA Lender) from the output forms.The data in these sections is now optional but can be collected by the lender if desired. Access to the sectionsis controlled by two new options in the Policy category in the Encompass Admin Tools:

n URLA - Collect Language Preference

n URLA - Collect Homeownership Counseling

By default, both options are enabled, and the sections are visible on the input forms, but the settings can beconfigured to remove one or both sections from the input form.


To Configure Access to the Sections:

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.

n If you are prompted to log in to the server, type the User ID, Password, and Server thatyou use to log in to Encompass as the Admin user.

3. Select Policies from the Category list.

4. Double-click the URLA - Collect Language Preference or the URLA - CollectHomeownership Counseling option.

n Select True in the Value column tomake the section visible on the input form.

n Select False in the Value column to remove the section from the input form.

CBIZ-30039

Updates to the Section Names on the 1003 URLA Part 4 Input Form

The following changes have beenmade to the various sections of the 1003 URLA Part 4 input form tomatchthe recently updated sections on the output form:

n Section 7. Military Service – This new section has added after the existing Section 6Acknowledgements and Agreements. There is no content in this section aside from text in theheader indicating that the information for this section is in Part 1, 1a.

n Section 8. Demographic information – Formerly Section 7. Demographic information, this sectionhas been renamed tomatch the section number on the output form.

n Section 9. Loan Originator Information – Formerly Section 8. Loan Originator Information, thissection has been renamed tomatch the section number on the output form.

CBIZ-31446


HELOC Loans

Update to APR Calculation for Fixed-Rate HELOC Loans with a TeaserRate

A calculation update has beenmade to accurately reflect the APR based on the Note Rate for a fixed-rateHELOC loan with a teaser rate. Now the APR (field ID 799) for these loans is set to be equal to the Note Rate(field ID 3). Previously, the APR was set to be equal to the Teaser Rate.

CBIZ-31108

Minimum Payment Example Schedule for Fixed-Rate HELOCs

An update has beenmade to ensure that the text for theMinimum Payment Example correctly populates onthe Initial Terms Disclosure output form for a fixed-rate HELOC loans. This update addresses an issue whereEncompass prompted users to complete the following two fields, neither of which were required to generate aMinimum Payment Example for a fixed-rate HELOC loans:

n Dynamic Historical Table (field 1985)

n Maximum APR (field 1893)

These error messages displayed because the output form printed the text based on all three HELOC exampleSchedules: the Historical Table, theMinimum Payment Example, and theMaximum Payment Exampleschedules. Only theMinimum Payment Example schedule is necessary to generate the text for a fixed-rateHELOC. This update removes the requirement for the two schedules that are not necessary for fixed-rateHELOCs.

CBIZ-31112

Encompass Settings

External Company Setup Settings for TPOs: New Option to IndicateBilling Address is the Same as the Main Company Address

Whenworking in the External Company Setup > Company Details settings for Third Party Originators, theBasic Info tab has been updated with a new Same as Main Address check box. Use this check to save timewhen entering TPO company information and indicate that the billing address is the same as themaincompany address. When this check box is selected, the address information from themain company fields isautomatically populated to the corresponding billing information fields. Clear this check box to enable thebilling address fields and add a different address.


In addition, after the administrator enters a ZIP Code in the Zip field and then navigates out of the field, the Cityand State fields are automatically populated with the correlating city and state information. This enhancementhas been applied to themain address fields and the billing address fields.

NICE-29912, NICE-30785


Unlimited User Licenses Now Indicated as “Unlimited” in theOrganization/Users Settings Screen

In the Company/User Setup > Organization/Users settings screen, administrators canmanage theircompany’s users. In the User Licenses heading in the lower panel of the screen, "User Licenses (Unlimited)"is now displayed for companies that have unlimited user licenses. In previous versions of Encompass, "UserLicenses (999999)” was displayed here for companies that had unlimited user licenses.

NICE-30729

Label Change on LO Connect Tab in the Personas Setting

Administrators can use the LOConnect settings tab in the Personas settings to configure user access tocustom input forms and custom tools in Encompass LOConnect that have been built using the EncompassWeb Input Form Builder. In this release, the Input Forms section used tomanage user access to custom inputforms has been renamed from Input Forms to Custom Input Forms to better represent what this section isintended for.


NICE-30982


Fixed Issues for Version 20.1.0.12 Server Patch 9This Encompass 20.1 July Service Pack release includes updates to users' Encompass client machines(20.1.0.12) and a Server Patch (server patch 9) that is applied to the Encompass Server.

Why we fixed these issues: This issue was fixed to improve usability and to help ensure Encompass isoperating as expected. This issue was chosen to be fixed based on the severity of its impact to clients andclient feedback.

Update to the Encompass Server (i.e., Server Patch 9)

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


Disclosure Tracking Record Fulfillment Data Now Available in Reportsand Pipeline Views

An issue occurred where the Date/Time Fulfilled field data in the Disclosure Tracking record (field ID’s listedbelow) was not displaying in reports and in the Pipeline, even though the field is populated with data theDisclosure Tracking record.

n EDISCLOSEDTRK.DateTimeFulfilled.1n EDISCLOSEDTRK.DateTimeFulfilled.2n EDISCLOSEDTRK.DateTimeFulfilled.3n EDISCLOSEDTRK.DateTimeFulfilled.4n EDISCLOSEDTRK.DateTimeFulfilled.5n EDISCLOSEDTRK.DateTimeFulfilled.6

This issue has been resolved so that the Date/Time Fulfilled field data in the Disclosure Tracking record isnow provided in reports and the Pipeline. This enables users to report andmonitor whether or not loans havebeen fulfilled without having to review each loan individually.

NICE-30081


Encompass Settings

Issue Resolved: Some Users Unable to Assign Loan Officers to Loans

An issue occurred where certain users could no longer assign loan officers to loans (on theMilestoneWorksheet) although they had the required access and permissions to do so. The LoanOfficer field (andLookup icon) were disabled (grayed-out) on theMilestoneWorksheet, which prevented users from selecting aloan officer and assigning them to the loan. The cause of this issue was identified and this issue has beenaddressed. Users impacted by this issue can now assign loan officers to loans as expected.

NICE-31186

Update to the Encompass Server(i.e., Server Patch 9) and Client Machines (20.1.0.12)

The Encompass 20.1 July Service Pack release includes the following item. In order for this item to be fullyintegrated into your Encompass system, both the Server Patch and the client-side update provided with thisreleasemust be applied. The Server Patch included with this release is applied to the Encompass Serverautomatically and cannot be controlledmanually via the Encompass VersionManager tool. The client-sideupdate in this release can be controlledmanually via the Encompass VersionManager tool. If the tool hasbeen configured to always apply client-side updates to users’ computers automatically, users will receive theclient-side updates upon their initial log in of Encompass following the release.

Again, the item listed below will not be fully implemented until both the Server Patch and the client-sideupdates are applied to your Encompass system.


FHA Loans

FHA County Loan Limit Now Populating as Expected for ImportedMISMO 3.4 Loans

An issue was resolved that caused the FHA County Loan Limit (field ID MCAWPUR.X27) on thePrequalification tab on the FHA Management input form to not be populated with a value after importing aMISMO 3.4 file for an FHA loan into Encompass. This issue has been resolved and the FHA County LoanLimit now populates as expected when importing aMISMO 3.4 FHA loan file.

CBIZ-24954

New URLA

Refinance Type Mapping Correctly for DU Purposes When Importedfrom MISMO 3.4 Loan Files

For loans using the new URLA forms, the Purpose of Refinance (field ID URLA.X165) for a No Cash-OutRefi loan is now mapping correctly for DU purposes when importing aMISMO 3.4 loan file into Encompass.Previously the field value was beingmapped in the XML file as a no cash out loan type. This resulted in a Nocash out is no longer a valid refinance purpose error message when submitting the loan to FannieMae’sDesktop Underwriter (DU). This issue has been resolved and NoCash-Out Refi loans imported from aMISMO 3.4 file are now mapped correctly for DU purposes.

CBIZ-31123

Encompass Settings

Issue Resolved: Including a Field in the Audit Trail Results in theCorresponding Pipeline Column Being Inaccessible to Personas

An issue occurred when adding fields to the Encompass Reporting Database. When adding fields, if youselected the Include in Audit Trail option for a field and then updated the Reporting Database, the field wouldbe added to the Not Accessible Columns list in the Personas setting. The field was added to the settings for allpersonas (Company/User Setup > Personas > Pipeline tab) in the Not Accessible Columns section, whichresulted in users not being able to access and add the field (column) to the Pipeline.


This issue has been resolved, and fields are no longer automatically added to the Not Accessible Columnssection in this scenario. Fields will only be added to this section when the administrator manually adds a fieldas expected.

NICE-27926


Updates to the Encompass Client Machines

The Encompass 20.1 July Service Pack release includes the following items, which are client-side updatesthat are applied to users' Encompass client machines. These client updates can be controlledmanually via theEncompass VersionManager tool. If the tool has been configured to always apply new releases to users’computers automatically, users will receive these updates upon their initial log in of Encompass following therelease.

ARM Loans

Adjustment for ARM Loan Interest Rate Rounding

The rounding logic used to populate rates in the Payment Schedule for ARM loans has been updated to adjustfor scenarios where the Floor Basis (field ID ARM.FlrBasis) is set to Note Rate and theMargin + Indx (field ID1827) is slightly greater than the Note Rate or Floor. Previously, the rate for some payments could be roundedlower than the floor rate in certain scenarios. For example, if the Note Rate was 6.010, and the rounding factor(field ID 1700) was 0.125, the rate would be rounded down to 6.00 (the nearest interval of .125) for somepayments in the Payment Schedule. This issue has been resolved and the rounding logic now prevents therate from being rounded lower than the floor basis.

CBIZ-24403

Loan Info ARM Rounded Margin + Index Now Updating When Index orMargin Change

For ARM loans using the 2010GFE and HUD-1 forms, the rate increase that will occur even if market rates donot change (field ID 3296), which displays in the Introductory Rate section on the RegZ-TIL and closing RegZinput forms is now recalculating as expected when the Loan Info ARM Index (field ID 688) or Loan Info ARMMargin (field ID 689) value is changed. Previously, the amount was not adjusting, which resulted in anincorrect value being populated on the Introductory Rate Notice section of the Federal Truth in LendingDisclosure Statement output form.

CBIZ-29663


HELOC Loans

Closing Date Now Used for Initial Payment Calculation on HELOCLoans with 365/365 Number of Days

For HELOC Loans with 365/365 selected for the Number of Days (field ID 1962), the Disbursement Date (fieldID 2553) is now used when calculating the HELOC Initial Payment (field ID 5). Previously the calculation usedthe Closing Date (field ID 748). Typically, funds are not issued to the borrower until the loan disburses. Thisupdate ensures that lenders do not collect interest until funds are disbursed to the borrower.

Workaround Information:

The following workarounds were provided for this production issue and are no longer required for Encompass20.1.0.12 and later:

n Click the Lock icon for the HELOC Initial Payment (field ID 5) and reduce it based on the number ofdays between the Closing Date (field ID 748) and the Disbursement Date (field ID 2553) to ensure thatan accurate interest amount was collected on the first payment.

n Banker Edition customers were able tomanage the payment amount with custom fields and FieldTrigger business rules.

CBIZ-26220

New HELOC Draw / Credit Limit of 0.00 Now Copies to the HELOCDrawn Total

When 0.00 is entered for the New HELOC Draw / Credit Limit (field ID 4489), the amount now copies to theHELOC Drawn Total field (field ID CASASRN.X167). Previously, when a value of 0.00 was entered for theNew HELOC Draw / Credit Limit, the HELOC Drawn Total field would remain blank, with no value displaying.This would result in an error being returned from FreddieMac’s Loan Product Advisor (LPA).

Migration

For loans created prior to updating to the Encompass 20.1 July Service Pack, the HELOC Drawn Totalamount and related LTV/CLTV/HCLTV calculations are recalculated when the New HELOC Draw / CreditLimit equals 0.00.



The following workaround was provided for this production issue and is no longer required for Encompass20.1.0.12 and later:

n Click the Lock icon for the HELOC Drawn Total (field ID CASASRN.X167) and enter 0.00.

CBIZ-29831

Subordinate Financing Lock Icon Now Accessible for Non-Synchronized HELOC Piggyback Loans

The Lock icon for Subordinate financing field (field ID 140) on the 1003 Page 3 input form is now accessible forPiggyback HELOC loans that are not synchronizing data. Encompass users can now click the Lock icon tomanually adjust the subordinate financing amount.

CBIZ-31471

FHA Loans

FHA Management Input Form Updated to Match the FHA LoanTransmittal Output Form

The following changes have beenmade to the LDP/GSA section on the Tracking tab on the FHA Managementinput form tomake the input form match the FHA Loan Transmittal output form:

n The header name has been changed from LDP/GSA to LDP/SAM.

n The name of the button on the far-right of the header bar has been changed from GSA Search to SAMSearch.

n The No check boxes have been removed for the borrower and co-borrower.

The FHA Loan Transmittal output form was updated in December 2019 to change LDP/GSA to LDP/SAM andremove the No checkboxes.

CBIZ-29825


VA Loans

Rounding Issue Resolved for VA Statutory Closing Costs RecoupmentMonths

An issue was resolved that caused the Recoupment Months (field ID VASUMM.X130) for VA refinance loansto round up to the next whole number even when the originally calculated value for the Recoupment Monthswas already a whole number. The Recoupment Months display in the Statutory Closing Cost Recoupmentsection on theQualification tab of the VA Management input form.

CBIZ-30334

New URLA

Encompass No longer Creates a Blank VOR Record When the DoesNot Apply Check Box is Selected

For loans using the new URLA input forms, Encompass no longer creates a blank Verification of Residence(VOR) entry when the Former Address Does Not Apply check box is selected for the borrower or co-borroweron the 1003 URLA Part 1. As part of this update, the old field IDs for these two check boxes (field IDs FR0301and FR0401) have been replaced with new field ID (field ID URLA.X265 and URLA.X266). These new checkboxes are enabled by default and are disabled when an Encompass user enters data in a Former Addresssection.


The following workaround was provided for this production issue and is no longer required for Encompass20.1.0.12 and later:

n Delete the VOR record.

CBIZ-30486

Electronic Document Management (EDM)

Print to eFolder Option Now Working with SSO Login Users

An issue was resolved that caused the following error message to display when some Encompass usersopened a document on their computer and tried to use the Print to the eFolder option in the document’s Printmenu.


This issue only affected Encompass users who have the SSO (single sign-on) login option enabled. The issuehas been resolved and Encompass users with the SSO login option enabled can now print documents to theeFolder.

DOCP-11505

Email Notifications Now Sent When Borrowers Do Not Access eFolderPackages or Requests

An issue was resolved that caused email notifications not to be sent as expected for loans originated inEncompass when a borrower did not access a document request, eDisclosure package, or pre-closingdisclosure package by the specified date. This issue has been resolved and email notifications are now beingsent as expected.

DOCP-10267

Encompass Settings

Persona Access to Fields Business Rules Working as Expected forInitial Escrow Setup

An issue was resolved that caused access to be restricted for the incorrect field on the Initial Escrow AccountSetup pop-up window when a Persona Access to Fields business rules was applied to a field in this window.This issue resulted in access being restricted for the field with the next lowest field ID. For example, when abusiness rule was set up to restrict access to field ID HUD32, access would be restricted for field ID HUD31.This issue has been resolved and the business rules are now restricting the correct fields.

If you have previously created a business rule to compensate for this issue, you need to deactivate ordelete the business rule to ensure that this update works correctly.

CBIZ-20765


Email Notification Preferences Now Retained in the Milestones GlobalTemplate Settings for Milestones

When configuring settings for milestone templates, administrators experienced an issue with the GlobalTemplate Settings. Administrators could clear the check box for the Email Notification Preferences option sothat users would no longer be notified via email when they were unassigned from amilestone, however, whenthey returned to this Global Template Settings window, the check box was selected again. This issue hasbeen resolved so that this check box remains cleared as expected.

NICE-30354

DDM Rules for Line 902 No Longer Trigger Unnecessary MIPRecalculation

An issue was resolved that resulted in amomentary recalculation of theMIP value for a loan when there was aDynamic DataManagement rule for line 902 (Mortgage Insurance Premium) on the 2015 Itemization inputform. TheMIP value was briefly recalculating as if the Calculate on Remaining Balance check box (field ID1775) on theMIP/PMI/Guarantee Fee Calculation pop-up window was cleared. After the recalculation, theMIP would immediately revert to the correct value and the recalculation would not affect the loan file, but itcould potentially trigger business rules based on changes in theMIP. This issue has been resolved and DDMrules for line 902 no longer trigger anMIP recalculation.

CBIZ-28120


Miscellaneous Issues

Update to Global Search Feature to Address Issue with Pre-Set SearchFilters

(Updated on 8/24/2020)

An issue occurred for users when enabling the Global Search option in the Pipeline. When the user firstenabled the Global Search option (i.e., turned the feature “On”), all the search filters that were already enteredin any of the Pipeline search column headers were still applied upon enabling Global Search. If the user thendisabled the Global Search option (i.e., turned the feature “Off”), then all the filters were cleared. This issue hasbeen resolved so that the pre-set search filters are now cleared when theGlobal Search option is enabled. Thisallows for a new global loan search using the predefined columns.

NICE-30082

All Current Address Housing Options Display When Added to thePipeline

For loans using the new URLA input forms, all three options for the rent/own status check boxes for theborrower and co-borrower Current Address now display on the Encompass Pipeline when the check boxes(field IDs FR0115 and FR0125) are added to a Pipeline view. Previously a blank value was displaying in placeof the No Primary Housing Expenses option. This issue occurred because the four-character length for thisfield was not increased when the No Primary Housing Expenses option was added in a previous release ofEncompass. The field lengths have now been adjusted to 25-characters and all three values will display in theEncompass Pipeline.

If field FR0115 or FR0215 was added to your Encompass Reporting Database prior to this update, yourEncompass administrator must adjust the character length for fields in the Encompass database, orremove the fields from the database and then re-add them.

CBIZ-30995


“No Primary Housing Expense” Option Importing Correctly for FannieMae 3.0 OR 3.2 Loan Import

For loans using the new URLA forms, an issue was resolved that resulted in incorrect mapping for the NoPrimary Housing Expense option for the borrower Current Address on the 1003 URLA Part 1 when importinga loan file form a FNMA 3.0 or 3.2 loan file. Previously, after the import, the loan fileBorrowerResidencyBasisType was stored in the XML file as "LivingRentFree", and the No Primary HousingExpense check box (field ID FR0115) would not be selected on the 1003 URLA Part 1 or the Verification ofResidence (VOR) entry. Now the loan file BorrowerResidencyBasisType is stored as"NoPrimaryHousingExpense" in the XML file and the No Primary Housing Expense check box (field IDFR0115) is selected on the 1003 URLA Part 1 and the VOR.

CBIZ-31706


Release Notes Change Log for Version 20.1.0.12Server Patch 9This 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: Updated entry

Change Date: 7/28/2020

Details: The Lock Date, Number of Days, and Lock Expires Fields No Longer Editable After Locking Rate viaSecondary Registration entry on the Feature Enhancements has been updated. (In addition, this entry has beenremoved from the Broker Edition release notes since it discusses functionality that is not available in EncompassBroker Edition.)

Current Entry:

Lock Date, Number of Days, and Lock Expires Fields No LongerEditable After Locking Rate via Secondary RegistrationTo ensure that Encompass users cannot change the rate lock calculations in Encompass after the rate has beenlocked using the Secondary Registration Tool, the following fields are now read-only when the rate is locked andthe Secondary Registration check box (field ID 3941) is selected:

n Lock Date (field ID 761)

n # of Days (field ID 432)

n Lock Expires (field ID 762)

These fields display on Encompass forms such as the Borrower Summary – Origination, Borrower Summary –Processing, Loan Submission, and VA Management.

Additional changes may still be made to these fields if the rate is relocked via Secondary Registration.

CBIZ-31855

Previous Entry:

Lock Date, Number of Days, and Lock Expires Fields No LongerEditable After Locking the RateTo ensure that Encompass users cannot change the rate lock calculations in Encompass after the rate has beenlocked, the fields for Lock Date (field ID 762), # of Days (field ID 432), and Lock Expires (field ID 762) are nolonger editable after the rate has been locked for a loan. These fields display on Encompass forms such as theBorrower Summary – Origination, Borrower Summary – Processing, Loan Submission, and VA Management.


Change Type: Updated entry

Change Date: 8/24/2020

Details: The following entry on the Fixed Issues page has been updated.

Current Entry:

Update to Global Search Feature to Address Issue with Pre-SetSearch FiltersAn issue occurred for users when enabling the Global Search option in the Pipeline. When the user first enabledthe Global Search option (i.e., turned the feature “On”), all the search filters that were already entered in any of thePipeline search column headers were still applied upon enabling Global Search. If the user then disabled theGlobal Search option (i.e., turned the feature “Off”), then all the filters were cleared. This issue has been resolvedso that the pre-set search filters are now cleared when the Global Search option is enabled. This allows for a newglobal loan search using the predefined columns.

NICE-30082

Previous Entry:

Update to Global Search Feature to Address Issue with Pre-SetSearch FiltersAn issue occurred for users when enabling the Global Search option in the Pipeline. When the user first enabledthe Global Search option (i.e., turned the feature “On”), all the search filters that were already entered in any of thePipeline search column headers were still applied upon enabling Global Search. If the user then disabled theGlobal Search option (i.e., turned the feature “Off”), then all the filters were cleared. This issue has been resolvedso that the pre-set search filters are now cleared when the Global Search option is enabled. This allows for a newglobal loan search using the predefined columns. In addition, the Advanced Search button is now disabled(grayed out) when the Global Search option is enabled. This prevents users from adding their own custom searchfilters when using Global Search.


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