Banker Edition Release Notes Winter 2012 Release (build / / )

Transcription

1 Banker Edition Release Notes Winter 2012 Release (build / / ) Last Revised: 01/15/2013

2 Copyright Statement 2013 Ellie Mae, Inc. Ellie Mae, Encompass, Encompass360, Encompass Compliance Service, Ellie Mae Network and the Ellie Mae logo are trademarks or registered trademarks of Ellie Mae, Inc. or its subsidiaries. All rights reserved. Other company and product names may be trademarks of their respective owners. Products, services and programs are subject to change without notice. Encompass360 Banker Edition Release Notes, WInter 2012 (build / / ) Last Revised: 01/15/2013

3 Table of Contents Encompass360 Banker Edition Release Notes... 1 Overview of Updates and Enhancements... 1 Encompass Server Update Enhancements... 2 Compliance Updates... 2 ULDD... 7 Form Updates... 7 Encompass360 Admin Tools Encompass Settings Enhancements to Pipeline Export Features Electronic Document Management (EDM) Updates Updates to Rate Locks Updates to Interim Servicing and Purchase Advice Form Encompass Product and Pricing Service (EPPS) TQL Services Appraisal Service Title & Closing Service Additional Updates & Enhancements Update Update Detailed Procedures Downloading Microsoft.NET Framework Manage Encompass Server Updates Installing a Major Upgrade Installing a Server Update New Admin Tools Settings to Manage Changed Circumstance Fee Handling Manage List of Changed Circumstances on 2010 GFE Input Form New MIP/PMI/Guarantee Fee Calculation Window for USDA Loans Correspondent Purchase Advice Form Basic Loan Information Pricing Reconciliation Purchase Details Create Multiple 4506 or 4506-T Forms Generating 4506 and 4506-T Output Forms for a Loan File with Multiple Versions of the Form Add Mortgage Interest Received Field (Field ID 3615) to the 1098 Mortgage Interest Report New Admin Tools Settings for Loans Imported From TPO WebCenter Configuring Automated Conditions Business Rules Export efolder Documents from Pipeline Document Export Templates Setting Persona Access to Pipeline Services efolder HTML Templates Document Stacking Templates Setting Stacking Order and Document Selection Visual Indicator for Stacking Order Files Background Conversion and Upload Working with the Background Conversion Option Lock Cancellation Process Configure the Lock Cancellation Feature Request a Lock Cancellation Cancel a Lock TQL Comments Valuation Service Setting Valuation Service Orders Ordering Reports Encompass360 Release Notes Change Log i

4 Encompass360 Banker Edition Release Notes Winter 2012 Release (version / / ) The Encompass360 Winter 2012 Release includes the key features described on the following pages. This document includes a high-level overview of key features and updates, followed by more detailed information and instructions where appropriate. Refer to the Encompass360 online help and the Documentation Library for additional information and related documents. Overview of Updates and Enhancements The following tables describe each change, indicate whether or not the change is automatically enabled, and describe any setup requirements. Click the page number links on the title lines to jump to detailed information if applicable. Important Announcements Support for SQL Server 2000 Has Ended Encompass does not work with Microsoft SQL Server This version of SQL Server is now 13 years old and lacks certain performance enhancements included in SQL Server 2005 and later. Customers who are on SQL Server 2000 need to upgrade to SQL Server 2005, 2008, or 2012 before they will be able to install Encompass Click here for Microsoft s instructions for upgrading your SQL Server 2000 instance. NOTE: If you attempt to upgrade to Encompass 8.0 while running SQL Server 2000, you will receive a notification message informing you that the upgrade will not continue until you upgrade to SQL Server 2005 or later. ENC-3703 Encompass360 Now Using Microsoft.NET Framework 4 (Required) Encompass360 now uses the Microsoft.NET Framework 4 programming framework. Previously,.NET Framework 2.0 was used. If not already installed on your company's end user workstations, Microsoft.NET Framework 4 must be installed on these workstations before updating to Encompass For instructions for downloading Microsoft.NET 4.0 from Microsoft's website, click here. NOTE: After.NET Framework 4 is installed, restart your computer. You can then resume the installation from the installation download link. For developers using the Encompass360 Software Development Kit (SDK) to integrate your existing back office applications with your Encompass360 system, please note that the EncompassAutomation API and EncompassObjects API are now both implemented using Microsoft.NET Framework 4. All projects that use the Encompass API must be written using a.net Framework 4-compatible language and development environment. Refer to the SDK Programmer s Guide for detailed instructions, including how to upgrade your existing applications to be compatible with the Winter 2012 release. ENC-2818, ENC-3233, ENC

5 Description of Feature Automatically Enabled Setup Requirements Encompass Server Update Enhancements Manage When Encompass Server Updates are Installed and Notify Users Beforehand page 36 The system administrator can now use the Version Manager tool in Encompass360 Admin Tools to manage how and when updates are applied to the Encompass server. Here you can specify the amount of time before the update will start, and send an announcement to all currently logged in users to notify them of the update before it starts. There are two kinds of Encompass server updates- installing a major upgrade or installing a server update: Major upgrade: Major upgrades (for example, Encompass ) introduce significant new features and enhancements. Your current version of Encompass360 is completely uninstalled, and then the new upgraded version of Encompass360 is downloaded and applied to your Encompass server. Your users computers are upgraded when they log in to the newly updated Encompass server. Server update: Server updates (for example, Encompass x) are smaller updates that don t require a completely new installation of Encompass360. Instead, a group of new or updated files is copied to the Encompass server. Your users computers are upgraded when they log in to the newly updated Encompass server. ENC-1470, ENC-3148 To access the Version Manager, log in to the Encompass360 Admin Tools, double-click Version Manager, and then log in to the Version Manager. Compliance Updates New After Disclosure Copy Fees to GFE Tool in Admin Tools page 38 To help improve the system administrator s control over how fees are updated to the 2010 GFE input form due to a changed circumstance, the new After Disclosure Copy Fees to GFE tool is now available in the Encompass360 Admin Tools. This tool replaces the After Disclosure Don t Copy Fees to GFE tool provided in previous versions of Admin Tools. The name of this tool is now After Disclosure Copy fees to GFE; replacing the After Disclosure Don t Copy Fees to GFE tool The following settings options are now available to control whether or not fees changed directly in the Borrower column on the 2010 itemization input form or indirectly as the result of a recalculation (for example, a recalculation that occurs if the loan amount changes) will automatically update in the GFE (Section #) column. Always Update - When selected, fees will always automatically update in the GFE (Section #) column. Selective Update - When selected, fees will automatically update in the GFE (Section #) column only if select criteria are met. Manual Update - When selected, fees will not automatically update in the GFE (Section #) column. Instead, loan team members need to manually update these fees or create business rules to control how these fees are updated. ENC-1917 To Manage the After Disclosure Copy fees to GFE Tool in Admin Tools: 1 On your Windows task bar, click the Start menu or Start icon, navigate to the Ellie Mae Encompass360 program folder, and then click Admin Tools. 2 Double-click Settings Manager. If you are prompted to log in to the server, type the User ID, Password, and Server that you use to log in to Encompass360 as the Admin user. 3 Select Polices from the Category menu. 4 Double-click the After Disclosure Copy fees to GFE option, and then select an option from the drop-down list. 2

6 Description of Feature Administrator Can Now Edit the List of Changed Circumstances Provided on 2010 GFE Input Form page 38 When re-disclosing due to a changed circumstance in previous versions of Encompass360, authorized users may select the Changed Circumstance check box (field ID 3168) on the 2010 GFE input form, and then select a description of the circumstance from the drop-down list (field ID 3169). Now in Encompass , the administrator can use the new Change in Circumstances Setup tool in Encompass Settings to create their own changed circumstance descriptions for this list, and remove, edit, and reorganize existing descriptions on the list. Back on the 2010 GFE, users can select the Changed Circumstance check box, and then click the new Search icon and select a changed circumstance from this list. The selected circumstance is populated to the form (field ID 3627), and the additional description fields (field IDs 3169 and 3166) are populated accordingly. NOTE: By default, this list contains the changed circumstances descriptions provided in previous versions of Encompass360. ENC-1226 Set Up a Custom Theory of Lending Using the New ECS Lender Profile Option Encompass Compliance Service (ECS) customers can now set up custom rules for their theory of lending to be applied when running compliance tests on a loan file. ENC-3320 New MIP/PMI/Guarantee Fee Calculation Window Calculates USDA Upfront Guarantee & Annual Fee page 40 When calculating monthly mortgage insurance (MI) premiums for a loan, you can click the Edit icon on line 902 of the 2010 Itemization form to display the MIP/PMI/Guarantee Fee Calculation window (aka, the MI pop-up window ) and then calculate the MI. A new version of the MIP/PMI/Guarantee Fee Calculation window is now provided when working with USDA loans that calculates the USDA Upfront Guarantee Fee and Annual Fee. Here you can select a Guarantee Fee Percentage (field ID 3560) and the MIP/PMI/Guarantee Fee calculator will calculate the Upfront Guarantee Fee based on the total loan amount (using formulas provided by the USDA). NOTE: The Edit icon used to open the MIP/PMI/Guarantee Fee Calculation window is accessible from the mortgage insurance sections of forms such as the 1003, REGZ-TIL, and Closing REGZ-TIL. ENC-2729, ENC-3265, ENC-3266 Automatically Enabled Setup Requirements To manage the list of changed circumstances descriptions, go to Encompass > Settings > Loan Setup > Change in Circumstances Setup. To access the Custom Lender profile option, go to Encompass > Settings > Company/User Setup > Company Information, and then select Use Custom Lender Profile for ECS. 3

7 Description of Feature New Field Available to Lock MI Upfront Factor When calculating monthly mortgage insurance (MI) premiums for a loan, you can click the Edit icon on line 902 of the 2010 Itemization form to display the MIP/PMI/Guarantee Fee Calculation window (aka, the MI pop-up window ) and then calculate the MI. When using this window in previous versions of Encompass360, the following issue occurred in certain instances: If a user enters an MI upfront factor (field ID 1107) that is rounded to two decimals (for example, 1.75), Encompass360 automatically rounds this value to six decimals ( ) when the user clicks or selects another field. When the user selects the Amount Paid in Cash Lock check box (field ID 1765) and then enters the paid in cash amount (field ID 1760), the upfront factor is recalculated and could potentially change (for example, ) based on the paid in cash amount. To prevent the MI upfront factor from being recalculated in this manner, you can select the new MI Factor Field Locked check box (field ID 3625). When selected, the upfront factor field is locked and not recalculated. If you then clear this check box later, the upfront factor will be recalculated based on the amount paid in cash. NOTE: The Edit icon used to open the MIP/PMI/Guarantee Fee Calculation window is accessible from the mortgage insurance sections of forms such as the 1003, REGZ-TIL, and Closing REGZ-TIL. ENC-3307 Update to Monthly Mortgage Insurance Calculation on Energy Efficient Mortgage Calculation Input Form The calculation for the Monthly MI (field ID EEM.X85) on the Energy Efficient Mortgage Calculation input form has been updated in accordance with FHA guidelines.the Monthly MI is now calculated using the base loan amount from the Loan Transmittal (field ID EEM.X75) based on average outstanding balance and the annual MIP factor (field ID 1199) entered in the MIP/PMI/Guarantee Fee Calculation window. ENC-3601 Manually Edit Total Transfer Taxes After Disclosure of Good Faith Estimate (GFE) An Edit icon is now provided for the Transfer Taxes field (field ID NEWHUD.X76; line 1203, #8) on the 2010 Itemization and 2010 HUD-1 Page 2 input forms. Use this icon to change the total amount of transfer taxes applied to the 2010 GFE (Block 8) without impacting the associated values in the Borrower column on the 2010 Itemization or 2010 HUD-1 Page 2. When you click the icon, you can then edit the amounts for Transfer Taxes, City/County/Stamps, and State Tax/Stamps. The new total is then populated to the Transfer Taxes field. ENC-3577 Homeowner s Insurance Copies to GFE Column on the 2010 Itemization On the 2010 Itemization input form, the borrower s portion of the Homeowner's Insurance on line 1002 now correctly carries over to the GFE (Section #) column when calculated using the Aggregate Setup. Previously, all charges except line 1002 would be copied to the GFE (Section #) column. ENC-3255 Automatically Enabled Setup Requirements 4

8 Description of Feature When Appraised Value is Unknown, Estimated Value is Used When Calculating CLTV, APR, and MI Cutoff Encompass360 bases it calculations for CLTV, APR, and MI cutoff (among others) on the Appraised Value (field ID 356). When this value is empty or unknown, Encompass360 now uses the Estimated Value (field ID 1821) in its place when calculating the CLTV, APR, and MI cutoff. ENC-1637 Use Get Index Button to Update ARM Index When Drawing Documents A new Get Index button is now provided in the Adjustable Rate Mortgage section on the REGZ-TIL and Closing RegZ. When this button is clicked, Encompass360 looks up the current index (based on the ARM Index Type (field ID 1959) indicated on the REGZ-TIL) and adds it to the Index field (field ID 688). This helps ensure the most current index is used when loan team members are generating disclosures or ordering closing documents. ENC-1726 New Fields and Options Added to Statement of Denial In accordance with the Equal Credit Opportunity Act s Regulation B, the following fields have been added or renamed in the Principal Reason(s) for Credit Denial, Termination or Other Action Taken section of the Statement of Denial input form in Encompass360: The Insufficient Credit Reference check box (field ID DENIAL.X31) has been renamed Insufficient Number of Credit References Provided (field ID DENIAL.X31) The Insufficient Credit File check box (field ID DENIAL.X32) has been renamed Limited Credit Experience (field ID DENIAL.X32) The Garnishment, Attachment, Foreclosure, Repossession or Suit check box (field ID DENIAL.X34) has been renamed to Garnishment, Attachment, Foreclosure, Repossession or Collection Action or Judgment (field ID DENIAL.X34) Unacceptable Type of Credit References Provided (field ID DENIAL.X77) Poor Credit Performance With Us (field ID DENIAL.X78) Number of Recent Inquiries on Credit Bureau Report (DENIAL.X79) The Temporary or Irregular Employment, Insufficient Stability of Income check box (field ID DENIAL.X44) has been renamed Temporary or Irregular Employment (field ID DENIAL.X44) The Insufficient Income for Mortgage Payments field (field ID DENIAL.X45) has been renamed Income Insufficient for Amount of Credit Requested (field ID DENIAL.X45) The Too Short a Period of Residence check box (field ID DENIAL.X48) has been renamed Length of Residence (field ID DENIAL.X48) Value or Type of Collateral is Not Sufficient (DENIAL.X80) ENC-3525, FORM-81 Automatically Enabled Setup Requirements 5

9 Description of Feature Updates to North Carolina Compliance Report.CSV File The following updates have been made to the North Carolina compliance report.csv file generated in Encompass360: Column G in the generated report file now reflects the value entered in the Maximum Life Interest Rate field (field ID 2625). The LoanPurposeType column header has been renamed to LoanPurpose to match the NCCOB s enumeration. Previously, the generated report file included two PaymentFrequency columns and two CreditScore columns. The two duplicate columns has been removed. ENC-3446 Updates to the Disclosure Tracking Tool New Appraisal Provided Date Field - To help ensure compliance with federal and state laws requiring that loan originators provide borrowers with a copy of the appraisal prior to closing or within a specified time period if the application is denied, a new Appraisal Provided field (field ID 3624) has been added to the Disclosure Tracking Tool. Originators can use this field to track the date the appraisal is sent to the borrower and document compliance with ECOA requirements. Borrower Received Date Now Entered When Using edisclosure Fulfillment Service - The edisclosure Fulfillment service prepares a securely printed version of the disclosure package and sends it to the borrower on the date of your choice (via U.S Postal Service) if the borrower fails to accept the edisclosure package you sent them within a specified time frame or declines to receive the package electronically. When the disclosure package is sent through the Fulfillment service, the Borrower Received Date field (field ID 3153 for the REGZ-TIL and 3149 for the GFE) is now populated accordingly. The REGZ-TIL is deemed received three days after the Initial TIL Sent Date (field ID 3152). The GFE is deemed received three days after the Initial GFE Sent Date (field ID 3148). A day is any day of the week excluding Sundays and Legal Holidays. Disclosure Tracking Summary Form Reflects Total Loan Amount - The Loan Amount field on the Disclosure Tracking Summary output form now reflects the loan s Total Loan Amount (field ID 2), ensuring the form reflects the total amount of the loan, including any funds for PMI/MIP financing. Previously, the Base Loan Amount (field 1109) was displayed on the output form. ENC-2455, ENC-1854 Generate Reports for Encompass Compliance Service NMLS Registration Review Results A new field called Mavent Compliance Review NMLS Result (field ID COMPLIANCEREVIEW.X17) has been added to Encompass360 s Reporting Database. Use this field to report on the results of Encompass Compliance Service NMLS (Nationwide Mortgage Licensing System) Registration reviews. This review verifies an individual loan originator s NMLS information against NMLS data using NMLS B2B Access. The review may be used to test for the applicable individual loan originator s NMLS registration information on seasoned loans, with the applicable data and information at the time the loans were closed. ENC-1786 Automatically Enabled Setup Requirements To manage the Reporting Database, open the Encompass360 Admin Tools, and double-click Reporting Database. 6

10 Description of Feature Automatically Enabled Setup Requirements ULDD Initial Fixed Period Exported to Fannie Mae and Freddie Mac for ARM Loans Only When creating a ULDD export for Fannie Mae or Freddie Mac, the number of months after close when the first rate change occurs (field ID 696) is now exported only for ARM loans. Previously, the value was being exported for all loans, which would cause validation errors on the ULDD file. EBC-173 Base Guarantee Fee Correctly Exported to Fannie Mae for MBS Loans When creating a ULDD export for Fannie Mae, the Base Guarantee Fee is now correctly exported for Mortgage- Backed Security (MBS) loans. When the Mortgage-Backed Security check box (field ULDD.X33) is selected, the Guarantee Fee (field ULDD.X39) and Base Guarantee Fee (field ULDD.X40) on the Fannie Mae tab on the ULDD form are both exported. In previous versions of Encompass360, the value in the Guarantee Fee (field ULDD.X39) would be exported to Fannie Mae as the Guarantee Fee and as the Base Guarantee Fee (regardless of whether the Mortgage-Backed Security check box was selected). EBC-188 Form Updates New Correspondent Purchase Advice Form page 42 Lenders can use the new Correspondent Purchase Advice Form to calculate the details of the purchase amount when buying a loan from another lender. Use the form to enter the impounds and principal amounts from the lender, and to calculate the amounts that you will include in the Purchase Advice statement that you send to the lender. A custom output form (Correspondent Operations Purchase Advice) is available for download. This form can be used as the Purchase Advice statement that you send to the lender. To download this document to your computer, click the following link: Purchase Advice.doc ENC-3304, ENC-3410, ENC-3707 Create and Manage Multiple Versions of the 4506 and 4506-T page 43 You can now create, view, and manage multiple versions of the Request for Copy of Tax Return (4506) and Request for Transcript of Tax (4506-T) forms to obtain authorization from the borrower, co-borrower, or other individuals or entities to request copies of their tax returns or tax transcripts from the Internal Revenue Service. As part of this enhancement, the 4506 and 4506-T forms are no longer available for use in the Data Templates, Print Form Groups, and the Loan Form Printing Business Rules tool in Encompass Settings. Since your loan file may now contain multiple versions of the 4506 or 4506-T input forms, these forms are no longer compatible with the Data Templates setting, as the setting relies on single field IDs on a form in order to populate the fields with template data. Since there are now a variable number of forms, they don't use standard field IDs and the Data Templates setting cannot be used to populate them. ENC-2008, ENC-2011, ENC-3222 For additional custom print forms and instructions to download them from the Ellie Mae download site, visit the Knowledge Base in the Encompass360 Resource Center and search for article Additional Encompass Custom Forms. 7

11 Description of Feature Generating 4506 and 4506-T Output Forms for a Loan File with Multiple Versions of the Form When generating 4506 or 4506-T output forms for a loan that has multiple versions of the 4506 or 4506-T, the following rules apply to the way the forms are generated based on the document generation application your company is using to generate initial disclosures and closing documents: If you are using the Encompass Docs Solution, Encompass360 will generate all the forms that display on the list at the top of the Request for Copy of Tax Return or the Request for Transcript of Tax form. If you are not using the Encompass Docs Solution or are ordering from a third-party vendor via the Services tab, only the form that displays on the top of the list will be generated. ENC-3763 Changes to the Printing Process for 4506 and 4506-T Output Forms The process for printing a Request for Copy of Tax Return (4506) or Request for Transcript of Tax (4506-T) form has been updated to follow the printing process used for verification forms. When you print a 4506 or 4506-T form, the Print window opens with the verification forms displayed in the left panel along with each 4506 and 4506-T form that was created for the loan. The user can then select the forms to print. When the forms are added to edisclosures in the efolder, all of the created forms will be included in the edisclosures. Since these forms now follow the process used for verification forms, the 4506 and 4506-T forms are no longer available for use in the Data Templates tool in Encompass Settings. Since your loan file may now contain multiple versions of the 4506 or 4506-T input forms, these forms are no longer compatible with the Data Templates setting, as the setting relies on single field IDs on a form in order to populate the fields with template data. Since there are now a variable number of forms, they don't use standard field IDs and the Data Templates setting cannot be used to populate them Reminder: The 4506 and 4506-T forms are also no longer available for use in the Print Form Groups and Loan Form Printing Business Rules tools in Encompass Settings. The specific items that were removed from these tools are IRS4506-Copy Request Page 1, IRS4506-Copy Request Page 2, IRS4506T-Trans Request Page 1, and IRS4506T- Trans Request Page 2. ENC-3136 Realignment of Values on 4506-T Output Form to Improve Readability The values printed to the Request for Transcript of Tax Return output form have been slightly realigned to help prevent the values from overlapping the lines that separate each line/section of the form. Prior to this realignment, letters printed to line 2a or numbers printed to line 2b (for example) were slightly obscured because they overlapped the section divider, making the form hard to read and subject to rejection by the IRS and investors. ENC-4381, FORM-2088 Automatically Enabled Setup Requirements 8

12 Description of Feature New Occupancy Descriptions Added to VA Report and Certification of Loan Disbursement Output Form and HUD 1003 Addendum Input Form Two occupancy certifications have been added to the VA Report and Certification of Loan Disbursement output form to comply with VA Circular These new descriptions are now included in the b. Occupancy list in Section III Veteran's Certification on page 2 of the output form: The veteran is on active military duty and in his or her absence, I certify that a dependent child of the veteran occupies or will occupy the property securing this loan as their home. While the veteran was on active military duty and unable to occupy the property securing this loan, the property was occupied by the veterans dependent child as his or her home. In conjunction with this update, two new options were also added to the (2) Occupancy drop-down list (field ID 1065; line 25) on the HUD 1003 Addendum input form: I am active duty and my dependent child occupies home I was on active military duty...my dependant child occupied home When the I am active duty and my dependent child occupies home option is selected on the HUD 1003 Addendum, the The veteran is on active military duty... option is indicated on the VA output form. When the I was on active military duty...my dependant child occupied home option is selected on the HUD 1003 Addendum, the While the veteran was on active military duty... is indicated on the VA output form. FORM-5380, ENC-4616 Additional Updates to VA Report and Certification of Loan Disbursement Output Form The following updates have been made to the VA Report and Clarification of Loan Disbursement output form: In the Privacy Act Notice section on page 2, the date related to the Federal Statute of Law requiring disclosure of the borrower s Social Security Number has been updated to January 1, The date in the footer on page 1 and page 2 has been updated from DEC 2007 to SEPT The note in the footer on page 1 and page 2 has been updated to SUPERSEDES VA FORM , DEC 2007 WHICH WILL NOT BE USED FORM-5380 Automatically Enabled Setup Requirements 9

13 Description of Feature Support Added for Two 1098 Mortgage Interest Forms To accommodate IRS changes in the method used to report mortgage interest, the 1098 Mortgage Interest input form has been revised to support reporting for two different tax years. The Mortgage Interest Information section has been split into two sub-sections: Closing Year of the Loan - Used for the 1098 tax form for the year when the loan closes (based on field 748). Subsequent Year (If Applicable) - Used for the 1098 tax form for the year after the loan closes. This section is used when a payment is entered on the Interim Servicing Worksheet during the year after the loan closes. The two sections include the following fields: 1098 Interest for Tax Year (fields 3614 and 3616) - Calculated, read-only field that displays the 1098 interest for the tax year. Mortgage Interest received (fields 3615 and 3617) - Calculated, editable field for the mortgage interest received. For the closing year, the pre-paid interest at closing (field 334) plus the year-to-date interest paid for the calendar year. For the subsequent year, the year-to-date interest paid for the calendar year. Click the Lock icons to edit the fields. Points paid (fields 1191 and 3618) - For the closing year, the origination or discount points from lines 801 and 802 of the 2010 Itemization. The entry will be blank or zero for the subsequent year. Click the Lock icons to edit the fields. Refund of overpaid interest (fields 1192 and 3619) - Refunds for overpayment of interest. Box 4 (fields 1194, 1195, 3620, and 3621) - Type additional information related to the interest information, for example, the subject property address. INV-1202 Updates to the 1098 Mortgage Interest Report page 44 The newly added field for Mortgage Interest Received (field ID 3615) is now included in the 1098 Mortgage Interest report under the label Box 1 for new Encompass360 installations. Customers who are updating to Encompass360 version 8.0 will need to add the new field to the report. Additionally, the description for the portion of the origination fee paid by the borrower (field ID 334) has been changed to Fees Int Borr. INV-1311, INV-1359 Updates to the Equal Credit Opportunity Act Notice The Equal Credit Opportunity Act Notice in Encompass360 has been updated in accordance with ECOA Regulation B. The last paragraph on the disclosure has been updated to read: Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. FORM-79 Automatically Enabled Setup Requirements 10

14 Description of Feature Taxes and Insurance Populated to Paid to Others Column on MLDS After clicking the Copy Itemization to MLDS button to copy the field entries from the 2010 Itemization form to the MLDS - CA GFE, tax and insurance fees entered in the 1000 section of the 2010 Itemization are now populated to the Paid to Others column on the MLDS - CA GFE form. NOTE: All items on the 2010 Itemization that are not paid to the Broker are populated to the Paid to Others column when the Copy Itemization to MLDS button is clicked. ENC-1521 New Date Field Added to Printed Settlement Service List of Providers A new date field is now provided on the printed Settlement Service List of Providers that reflects the date the form was issued or provided. This date field is populated by the GFE Date (field ID 3170) entered on the 2010 GFE. FORM-2136 Space Increased for Lender Name on 1003 edisclosure Output Form Additional space has been added for the Loan Origination Company s Name on the 1003 Page 3 output form. The name now wraps to a second line if it exceeds the allotted space on the output form. The name is copied from the Company Name (field ID 315) on the 1003 Page 3 input form. ENC-2918 Estimated Closing Cost Value on Line f on 1003 Page 3 Displays as Intended An issue occurred where entering a cash deposit value (field ID 183) in the Assets section of the 1003 Page 2 caused the value entered on line f - Estimated closing costs (field ID 137) on the 1003 Page 3 to no longer display. This issue has been resolved and the value entered on line f now remains visible as intended. ENC-2603 Number of Months to Exclude from Installment Debt No Longer Copied to All VOLs For loan files with multiple VOL entries, the value entered for the Number of Months to Exclude from Installment Debt field on one VOL entry no longer copies over to the other entries. Previously, the value entered in the most recently saved VOL would be copied to the Number of Months to Exclude from Installment Debt field on all other VOL entries. ENC-2920 Update to the Additional Information References on the FACT Act Disclosure Forms On the FACT Act Disclosure output forms, the references for additional information about credit reports and consumer rights has been updated to refer the borrower to the Consumer Financial Protection Bureau's website. The affected forms include the Credit Score Disclosure Exception (Model H-3 and Model H-5), the Risk Base Pricing Notice (Model H-1 and Model H-6), and the Credit Score Not Available Model H-5. ENC-2284 Automatically Enabled Setup Requirements 11

15 Description of Feature Automatically Enabled Setup Requirements Encompass360 Admin Tools New Admin Tools Settings for Loans Imported from Encompass TPO WebCenter page 45 A new setting called TPO WebCenter Loan Import has been added to the Settings Manager tool (in the Import category) in Encompass360 Admin Tools to control whether or not specific fields in loans originated in an Encompass TPO WebCenter site are recalculated when imported into Encompass360. The setting options are: Keep Calculated Values - The values in the fields are not recalculated and may be edited as needed. Use Encompass Calcs - The values in the fields are recalculated by Encompass360. Only authorized users are then permitted to edit these fields. (Authorized users click the Lock icon and then update the fields as needed.) A new setting called TPO WebCenter Application Date Import has been added to the Settings Manager tool (in the Import category) in Encompass360 Admin Tools to control whether or not the Application Date (field ID 745) is auto-populated with the current date (i.e., today's date ) when importing loan files from the Encompass TPO WebCenter loans into Encompass360. The setting options are: Do Not change - The Application Date is not automatically populated with the current date after importing the loan file. Use Current Date If Blank - If the Application Date field is blank, the current date is populated into it after importing the loan file. If a date has already been entered in the Application Date field, that date will remain in the field after importing the loan file. A new setting called TPO Originator has also been added to the Settings Manager tool (in the Policies category) in Encompass360 Admin Tools to control the name that s entered in the Loan Originator field (field ID 1612) on the 1003 Page 3. The setting options are: Keep_TPO_Originator - When selected, the TPO that originated the loan in TPO WebCenter is populated to the Loan Originator field. Update_TPO_Originator_With_Assigned_LoanOfficer - When selected, the name of the loan officer assigned to the loan in Encompass360 is populated to the Loan Originator field. ENC-1914 To Open the Server Settings Manager in Encompass360 Admin Tools: 1 On your Windows task bar, click the Start menu or Start icon, navigate to the Ellie Mae Encompass360 program folder, and then click Admin Tools. 2 Double-click Settings Manager. If you are prompted to log in to the server, type the User ID, Password, and Server that you use to log in to Encompass360 as the Admin user. 3 Select Import from the Category drop-down list to manage the loan import and application date import settings. 4 Select Polices from the Category menu to manage TPO Originator settings. 12

16 Description of Feature Automatically Enabled Setup Requirements Encompass Settings Use Automated Conditions Business Rule with the New Add Automated Conditions Option page 45 in the efolder A new Add Automated Conditions option has been added to the Add Condition window in the efolder. When selected, this option populates conditions to the Preliminary Conditions, Underwriting Conditions, and Post-Closing Conditions tabs based on data in the loan file and the logic set up in the new Automated Conditions business rule in Encompass Settings. Administrators use this tool to configure business rules that apply specific conditions to the loan based on specific loan criteria when the Add Automated Conditions efolder option is used. ENC-1176, ENC-1314, ENC-1336, ENC-1352 New Persona Setting Option to Add Automated Conditions in efolder Add Automated Conditions check boxes have been added to the Conditions section of the efolder tab in the Personas setting to enable administrators to allow personas to view and select the Add Automated Conditions option when adding conditions to the Preliminary Conditions, Underwriting Conditions, and Post-Closing Conditions tabs in the efolder. Selecting one of the check boxes in the Persona setting gives the persona the right to add preconfigured automated conditions to the associated conditions tab in the efolder. ENC-2998 Certain Special Characters Now Permitted in Encompass360 User IDs; Issue with 16 Character User IDs Resolved Encompass360 user IDs cannot contain spaces or special characters such as #,! or *. Starting with the Encompass hot update (made available in September 2012), administrators received an error notification stating that the provided user ID is not in a valid format when they attempted to copy and paste a user ID that contained special characters into the User Details screen. Administrators also received this error notification when attempting to modify the User Details (name, contact information, personas, loan access, etc.) for users with a user ID that contained special characters and when they attempted to create a new user with a user ID that contained 16 characters. Starting with Encompass , user IDs may contain the following special - [hyphen], and. [period]. (An underscore ( _ ) was permitted in earlier versions of Encompass360 and continues to be permitted in Encompass ) In addition, the issue that caused administrators to receive the error notification stating that the provided user ID is not in a valid format when creating a new user with a user ID containing 16 characters has been resolved. ENC-3579 Field Access Business Rules No Longer Changed by Running a Report Coding has been updated to eliminate the circumstances that caused a Field Access Business Rule to be unintentionally modified (without administrator action) to change one or more persona access rights from Edit to View Only. The issue occurred when a user ran a report that included a field controlled by a Field Access Business Rule. Running the report would sometimes result in restricted access being given to users who were granted read-only access by the administrator (based on rules that do not include an advanced condition). ENC-2866 To set up Automated Conditions, go to Encompass > Settings > Business Rules > Automated Conditions. To enable persona access to Automated Conditions, ed Conditions, go to Encompass > Settings > Company/User Setup>Personas. 13

17 Description of Feature Loans Cannot be Imported from Loan Mailbox When Loan Folder Business Rule is in Effect To prevent users from importing loans into a loan folder, the administrator sets up a Loan Folder Business Rule and selects No for the Can loans be imported into the loan folder? option. An issue occurred where users were able to import loans through the Loan Mailbox even when this rule was in effect. This issue has been resolved. ENC-3306 Changes Made to MI Tables Now Remain in Effect After Exiting MI Tables Setting An issue occurred when using the MI Tables setting tool to create and manage Mortgage Insurance tables where any changes that were made to the 1st Premium %, 1st Monthly MI %, 1st Monthly MI Months, 2nd Monthly MI%, 2nd Monthly MI Months, or Cutoff % fields were lost once the administrator exited the MI Tables settings. This issue has been resolved. All changes made to these fields remain in effect when the administrator exits the setting. ENC-974 User Assigned to All Applicable Milestones When Using Loan Reassignment Setting When assigning a user to a milestone in a loan file, you can assign the user to multiple milestones (for example, File Started and Qualification). Administrators can also use the Loan Reassignment setting tool to reassign a different user to a loan. An issue occurred when using the Loan Reassignment setting tool where the user who was reassigned to the loan was only reassigned to the first milestone instead of all the milestones they should have been assigned to. This issue has been resolved. The new user reassigned to the loan is now assigned to all applicable milestones. ENC-1006 Users in User Group With Edit Access to Public Reports Can Now Add New Reports to Applicable Folders All users in a user group that has been granted edit access to the Public Reports folder are now permitted to add new reports to each folder under the Public Reports parent folder, including the Companywide folder. ENC-1072 New Loan Folders Added to Loan Folders Setting Sorted Alphabetically When using the Loan Folders setting in Encompass Settings to create a new loan folder, the newly created loan folder is always inserted into the Loan Folders list according to alphabetical order. Previously, the new loan folder was added to the bottom of the list in certain circumstances. ENC-1078 Employee ID Number Field Added to the User Details Window in the Organization/Users Setting An optional Employee ID Number field has been added to the Account Information section of the User Details window when setting up or editing a user in the Encompass360 system. The field is designed to be used with the Commissions360 product, which can import the field data from Encompass360 and pass the employee ID number to third-party payroll systems to streamline payments to Encompass360 users via the Commissions360 system. COM-326, ENC-1282 Automatically Enabled Setup Requirements To set up a Loan Folder Business Rule, go to Encompass > Settings > Business Rules > Loan Folder Business Rule. To update the MI tables, go to Encompass > Settings > Tables and Fees > MI Tables. To reassign a loan file to another user, go to Encompass > Settings > System Administration > Loan Reassignment. To create groups of users that define access to loan and contact data, go to Encompass > Settings > Company/User Setup > User Groups. To add a loan folder, go to Encompass > Settings > Loan Setup > Loan Folders. To enter an Employee ID, go to Encompass > Settings > Company/User Setup > Organization/Users. Double-click a user in the Enabled Users list, and then enter the number in the Employee ID Number field. 14

18 Description of Feature Trustee Details in the Trustee List Setting Can Be Imported from Business Contacts An Address Book icon has been added to the Trustee Details window in the Trustee List setting to allow users to import trustee contact information from the user s Business Contacts. Additionally, a Phone Number field has been added to the window to record the phone number for the trustee.the Trustee Details window displays when a user clicks the Add icon on the Trustee List setting under the Loan Setup setting. ENC-2941 Updates to the Delete Borrowers Options in the Personas Setting The Delete Borrowers option in the Other section on the Loan tab in the Personas setting has been replaced with a set of expanded options for managing borrowers. A top-level Manage Borrowers check box controls access to the options. By default, selecting the Manage Borrowers check box will enable the three subordinate check boxes for the rights to Delete Borrowers, Move Borrowers, and Import Borrowers for a loan file. When the Import Borrowers check box is selected, check boxes for three additional options are selected by default for importing loans: From Contacts, From another loan, and From an FNMA 3.2 File. The administrator can then clear or select the check boxes to add or remove specific borrower management rights for a persona. ENC-3095 Template Will Ignore Business Rules Check Box Added Back to the Loan Program Template Setting The Template will ignore business rules check box has been added back to the Loan Program Template setting. If the data in a template conflicts with a business rule, select the Template will ignore business rules check box at the bottom of the window to ignore the conflicting business rule and apply the template data to the loan. If the check box is not selected, the business rule will take precedence over the template data. This update corrects an issue that was introduced in the July 2012 release (version 7.5.0) when the check box was removed from the template. NOTE: The check box is available only if it has been enabled by your system administrator (using the Settings Manager in the Admin Tools) and applies only to public templates. ENC-3124 Automatically Enabled Setup Requirements 15

19 Description of Feature 4506 and 4506-T Items Removed From Data Templates, Print Form Groups, and Loan Form Printing Business Rules Tools The 4506 and 4506-T forms are no longer available for use in the Data Templates, Print Form Groups, and the Loan Form Printing Business Rules tools in Encompass Settings. The specific items that were removed from these tools are: Data Templates - Request for Copy of Tax Return, Request for Transcript of Tax NOTE: Since your loan file may now contain multiple versions of the 4506 or 4506-T input forms (refer to the Create and Manage Multiple Versions of the 4506 and 4506-T entry on page 8), these forms are no longer compatible with the Data Templates setting, as the setting relies on single field IDs on a form in order to populate the fields with template data. Since there are now a variable number of forms, they no longer use standard field IDs and the Data Templates setting cannot be used to populate them. Print Form Groups and Loan Form Printing Business Rules - IRS4506-Copy Request Page 1, IRS4506-Copy Request Page 2, IRS4506T-Trans Request Page 1, and IRS4506T-Trans Request Page 2 Use the Request for Copy of Tax Return and Request for Transcript of Tax input forms to create, view, and manage multiple versions of these forms. ENC-2008 Administrators Can Set Quality Control Alert Levels for 4506-T Orders (Available January 10) Encompass360 Administrators can now configure the quality control (QC) level for alerts for 4506-T orders. Administrators can use the 4506T Service setting to select the options shown below: Full QC - Full QC is run against the 4506-T order. Alerts are triggered when any issues are identified. This is the default setting. Medium QC - QC is run for essential categories. Alerts are sent when information required to process the report is missing. No QC - No QC is run on the 4506-T order. Requests are sent to the IRS regardless of any issues on the 4506-T form. TQL-523 Automatically Enabled Setup Requirements The Full QC options is selected by default. Administrators can use the 4506T Services setting to select one of the other options. 16

20 Description of Feature Custom Page Numbering for 4506-T Forms (Available December 10) A new option has been added to the 4506T Service setting to allow administrators to configure the page numbering options used in the file containing the 4506-T forms when the file returned to Encompass360. The following selections are available: Sequential Numbering is sequential for all pages in the file. For example, a ten-page file starts at page 1 and ends at page 10, even when there are multiple 4506-Ts in the file. Restart the page numbering for each year and each borrower When a file includes multiple 4506-Ts, numbering restarts at page 1 each time a form has a different year or borrower. Restart the page numbering for each year but not for each borrower When a file includes multiple 4506-Ts, forms for each year are numbered sequentially even for different borrowers. For example, a two-page 2012 form for Borrower A and a two-page 2012 form for Borrower B are grouped together and numbered from page 1 to page 4. No page numbering Pages in the file are not numbered. Export efolder Loan Documents from the Pipeline Enhancements to Pipeline Export Features TQL-523 Export efolder Loan Documents Option Added to Pipeline page 47 A new option has been added to the Pipeline that allows a user to select one or more loans and then export the file attachments assigned to the efolder documents for those loans. The files are exported as one or more PDF files and are stored on the user s computer or a network folder. A Document Export Template setting has been created that allows administrators to create document Export Templates that configure the export options. EDM-925, EDM-928, EDM-930, EDM-548 Document Export Templates Setting page 48 A Document Export Template setting has been created that allows administrators to create templates that configure the options for users who are exporting efolder documents from the Pipeline. Templates control the document stacking template used, password protection, whether notes are included, the location where exported document files are stored, the naming convention used for exported files, and whether the files are exported as a single combined PDF file or a ZIP file containing multiple PDF files. After templates have been created by the administrator, users can apply the templates when they export loan documents from the Pipeline. EDM-925, EDM-927 Persona Access to Pipeline Compliance and Investor Services page 49 A Manage Pipeline Services option has been added to the Personas setting in Encompass Settings to control the personas who have access to the features for Compliance Services and Investor Services on the Pipeline. INV-334, INV-609 Automatically Enabled Setup Requirements The Encompass360 administrator must configure the Document Export Templates setting. 17

21 Description of Feature Log Entries Created for ULDD File Exports from the Pipeline An Investor Services exported entry is now added to the Loan Log when a ULDD loan export has been made via the Investor Services option on the right-click menu on the Pipeline. The entry includes a date stamp and the name of the user who ran the export. When a user click the entry, additional details display in the loan workspace in the right panel. The workspace includes additional information, including the time of the export and the export type (for example ULDD Export to Fannie Mae) as well as a field for entering comments. INV-446 Encompass360 NMLS Mortgage Call Reports Include HELOC Loans in Count of Convention Loans Closed The NMLS Mortgage Call Report (MCR) generated by Encompass360 now includes HELOC loans in the total of Conventional Loans Closed. In the MCR report, AC070 represents the count and volume of loans closed, including the total of fields AC100, AC1100, AC120, and AC130. Previously, the total for AC100 (Conventional Closed Loans) did not include loans where HELOC was selected for the Loan Type (field ID 1172) resulting in incorrect totals being reported. ENC-3162 Reverse Mortgage Field Added for NMLS Call Reports To comply with NMLS Call Report requirements for reporting reverse mortgage information, a Reverse Mortgage drop-down list (NMLS.X10) has been added to the quick-entry pop-up window that displays when a user clicks the NMLS Info button on the HMDA Information input form. The following options can be selected from the list: HECM-Standard HECM-Saver Proprietary/Other Electronic Document Management (EDM) Updates ENC-3198 HTML Templates page 50 Administrators can use the new HTML Templates setting to set up company-wide templates for HTML s that can be sent from the efolder when requesting documents via the Request button, sending edisclosures via the edisclosure button, or sending files via the Send button. Encompass360 ships with one template for each category: document requests, edisclosures, and sending files. Administrators can create additional templates for each category as needed. When an Encompass360 user requests a document, sends edisclosures, or sends files, the user can select an HTML template from the Subject drop-down list on the Send window. EDM-9, EDM-29, EDM-814 Automatically Enabled Setup Requirements 18

22 Description of Feature Changes to the Tracking Section on Preliminary and Underwriting Condition Details Windows New fields and check boxes have been added to the Preliminary Condition Details and Underwriting Condition Details windows in the efolder: Requested and Re-Requested check boxes have been added to indicate that a document associated with a conditions has been requested or re-requested. When the Requested or Re-Requested check box is selected, two additional fields display: one displays the date and time when the check box was selected, the other displays the Encompass360 user ID of the individual who selected the check box. A Days to Receive line has been added with fields that display the number of days before a requested or re-requested document is expected to be received and the date when it is expected. The number of days can be entered manually, or will be populated automatically if your administrator has already configured this number (using the Conditions setting in the efolder Setup setting). A Requested From field has been added to allow users to manually enter the name of the individual from whom the document was requested. EDM-121, EDM-996 Days to Receive Field Added to Templates in efolder Conditions Setting A Days to Receive field has been added to the Conditions setting in the efolder Setup setting. The field is used to configure the number that displays in the Days to Receive field in the Tracking section on the Preliminary Condition Details and Underwriting Condition Details windows in the efolder. If an administrator enters a number in the Days to Receive field for the condition, the number is automatically populated when a user creates a new preliminary or underwriting condition from a conditions template. EDM-996 Permissions for Viewing Notes on Image-Based efolder Files When a note is added to an image-based file in the Document Details window or File Manager in the efolder, a user can now select one of three Visibility options on the Add Note window to configure who can view the note and whether the note is included in files that are printed or sent electronically: Personal - Visible only to the user who added the comment. Not included in printed or sent files. Internal - Visible only to Encompass360 users with permission to view annotations. Not included in printed or sent files.this is the default option. Public - Visible to all viewers and included in printed and sent files. The color of the graphic image for a note varies depending on the Visibility option selected: red icon for Personal; yellow icon for Internal; and green icon for Public. A user can change the Visibility option for an existing note by rightclicking the graphic for a note on a file page, pointing to Visibility, and then clicking an option. Additionally, a View All Annotations check box has been added to the General section of the efolder tab in the Personas setting to give a persona the ability to view all notes, regardless of the Visibility option selected. EDM-128 Automatically Enabled Setup Requirements 19

23 Description of Feature Error Message When Previewing Corrupt PDF Files When a PDF file created by a third-party converter fails to render correctly when imported into the efolder, a message states that the file is corrupt, and allows the user to clear the message without saving the file. The user can then continue working in Encompass360. Previously, the import process would fail and Encompass360 would become unresponsive. Users would have to close Encompass360 without saving the file, resulting in the potential loss of recently entered data. EDM-130 Repositioning a Note on a File A note can be repositioned on a file page on the viewing panel on the Document Details window or the File Manager by dragging and dropping the note s graphic image to a new location on the viewing panel. EDM-592 Document Stacking Templates Document Stacking Templates Setting page 52 The Document Stacking Order setting has been replaced with the Document Stacking Templates setting. The setting has a redesigned user interface, and administrators can now configure whether a file attachment is required or optional when a document in a stacking order is sent to a borrower, lender, or partner. Additional documents that are not included in the stacking order may display on the list in alphabetical order below the documents that are included in the stacking order. This is determined by the administrator, who can configure the template as filtered (only documents on the stacking order display) or unfiltered (additional documents in the efolder display) by selecting or clearing the Display only the documents included in the stacking order check box in the Document Stacking Templates setting. EDM-796 efolder Stacking Order and Document Selection Maintained When Sending Files to Lenders page 53 When efolder files are sent to a lender, the efolder stacking order and the selection of documents highlighted on the efolder Documents tab are carried over to the Select Documents window. EDM-597 Visual Indicator When Stacking Order Applied to Documents with Missing Files page 54 If a stacking order is applied when using the efolder Send button to send files to a borrower, lender, or third party, all the documents in the stacking order will display on the list, and a visual indicator will denote the status of the documents and their file attachments. When a document on the stacking template does not have a file attachment, the document is highlighted in pink when a file attachment is required and in yellow when a file attachment is optional. Documents are not highlighted when they have files attached. NOTE:The Document Stacking Templates setting in the efolder Setup setting is used to configure whether a document is required or optional, and to configure whether the template is filtered. EDM-579, EDM-1076 Automatically Enabled Setup Requirements 20

24 Description of Feature Description Field and Column Added for efolder Documents A Description field and column have been created for efolder documents to help users easily distinguish between multiple versions of a document. For example, by noting whether 4506-T transcripts, fraud reports, or other service orders are for the borrower or co-borrower, or by numbering multiple versions of documents to indicate older or more recent versions. The content of the field is entered on the Document Details window, and displays in the Description column on the efolder document list. EDM All Required Pages Option Removed from the efolder The All Required Pages option is no longer available when adding the 1003 form as an efolder document. The option was previously available on the Source dropdown list on the Documents window. When an Encompass360 form was attached to a document that was created using the All Required Pages source, the form would combine the legal-size, letter-size, and Spanish language version of the form into one file. When updating to Encompass360 version 8.0, all documents that previously mapped to the All Required Pages source are mapped to the 1003 (Legal) source. EDM-766 Column Added to efolder Document Details Window and File Manager to Display Attachment Size Users can now see the size of current file attachments for documents in the efolder. A Size column has been added to the following areas of the efolder: On the Documents list on the Documents tab, the Size column displays the total size for all of the files assigned to a document that have the Current Version check box selected on the Document Details window. On the Document Details window in the Files section, the Size column displays the size of each individual file assigned to a document. On the File Manager in the Unassigned and Documents sections, the Size column displays the size of each individual file assigned to a document. NOTE: For files being converted into image files during the import process, the file size is not shown until the conversion and upload is complete. Files sizes will not display for files that were attached prior to an upgrade to Encompass360 version 8.0. EDM-855, EDM-935 Estimated Times Display for efolder Image File Uploads The progress bar that display when uploading files to the efolder and converting them to image files now shows the estimated minutes or seconds remaining for the file upload. EDM-933, EDM-935 Scrolling Feature for File Manager Document List When Dragging and Dropping Unassigned Files When a user is dragging and dropping an unassigned file to a document in the File Manager, the list of documents in the Documents section will scroll up or down when the user drags the file to the top or bottom edge of the list. EDM-1063 Automatically Enabled Setup Requirements 21

25 Description of Feature Background Conversion and Upload Option for Adding Files to the efolder page 54 Option Added to Documents Setting to Enable Background Conversion and Upload An option has been added to the Documents setting to enable administrators to configure the upload and conversion of image files in the background when they are added to the efolder. This allows users to continue working in Encompass360 without having to wait for the upload or conversion process to complete. EDM-1086 Working with the Background Conversion and Upload Process If the background conversion option has been enabled by your administrator, users can continue working in Encompass360 while files are being converted and uploaded into the efolder. While the conversion is taking place, users can work in the efolder, in other areas of the loan file, in other loan files, or in other areas of Encompass360. Files that are being uploaded display in the Document Details or File Manager window with a background icon. The same icon displays at the bottom of the Encompass360 application, next to the time and date. Users can click the icon at the bottom of the Encompass360 application to open the Background Converting window and view a list of files that are currently being converted and imported in the background. When a user exits Encompass360 while a background conversion is running, the files are placed in a queue. The next time the user opens Encompass360, a pop-up message gives the user the option of continuing the background conversion, or stopping the conversion and deleting the files from the queue. EDM-738, EDM-1098, EDM-1103 Custom Forms Display Form Name Instead of File Path in the Log Worksheet When a custom form is printed and the Forms printed by entry is selected in the Loan Log, the form name now displays in the Forms list for the log entry. This update corrects an issue that was introduced in Encompass360 version 7.5 that caused the file path for the form to display in the Forms list. EDM-1164 Information Entered on Fillable PDF Forms Saved by the efolder Printer Information entered on a form fillable PDF file (for example, a PDF form that can be completed on a government website) is now saved when the form is imported into the efolder using the efolder Printer. This update corrects an issue that was introduced in the Encompass hot update, which cause the form to be imported without any of the data that was entered. NOTE: This feature is enabled only when a user selects the Print as Image check box on the lower-left of the Encompass efolder: Loan List window when sending a file to the efolder using the efolder Printer. EDM-1321 Automatically Enabled Setup Requirements The Encompass360 administrator must select the Queue Documents for Upload/Conversion check box on the Documents setting in the efolder Setup setting. The Encompass360 administrator must select the Queue Documents for Upload/Conversion check box on the Documents setting in the efolder Setup setting. 22

26 Description of Feature Automatically Enabled Setup Requirements Updates to Rate Locks Locks Can Now Be Cancelled page 55 Changes have been made to the Lock Request Form and Secondary Registration tools in Encompass360 to enable locks to be cancelled rather than denied. Previously, when a loan originator wanted to cancel a previous lock and submit a new request, the loan originator would have to contact the lock desk and ask them to deny the previously confirmed lock. Now the loan officer can submit a lock cancellation request from the Lock Request Form tool, and the lock desk can then cancel the lock request on the Secondary Registration tool. The lock data will be cleared, but the lock history (the request date, number of days, and expiration date) for the original lock is retained. New options have also been added to the Secondary Setup settings to enable the lock cancellation features on the Secondary Registration and Lock Request Form tools. Setting to Enable Lock Cancellation page 55 Administrators can control whether the lock cancellation feature is enabled on the Secondary Registration tool for users assigned to the lock desk and on the Rate Lock Request Form tool for loan originators. The options are configured in the Encompass Settings in the Product and Pricing setting under the Secondary Setup settings. When the feature is enabled for the Secondary Registration tool, a Cancel Lock button is available on the Secondary Registration tool and is enabled when a loan has a lock that is not expired. When the feature is enabled for Lock Request Form tool, a Cancel Lock button is available on the Lock Request form tool and is enabled when a loan has a lock that is not expired. NOTE: The feature cannot be enabled for the Lock Request Form tool without first enabling it for the Secondary Registration tool. INV-1264 Request Lock Cancellations from the Lock Request Form Tool page 55 A loan originator can now make a lock cancellation request for a previous lock. The request is made by clicking the new Cancel Lock button in the Rate Lock Request section of the Lock Request Form tool. When the Cancellation Request window displays, the loan originator can enter comments and submit the request. The request is then submitted to the lock desk. INV-614, INV-1139 Secondary Lock Can Process a Lock Cancellation Request page 56 When a lock request has been made from the Lock Request Form tool, the lock displays on the Lock Request / Snapshot list on the Secondary Registration tool with a Status of Requested, a Req. Type of Cancellation, and an icon of a red circle with a line through it. The lock desk can then approve the cancellation by clicking the Cancel Lock button on the Secondary Registration tool. INV-153, INV-1141, INV-1140 The Encompass360 administrator must enable the lock cancellation feature in the settings. See page 55. The Encompass360 administrator must enable the lock cancellation feature. See page 55. The Encompass360 administrator must enable the lock cancellation feature. See page 55 23

27 Description of Feature Log Entries for Lock Cancellations The Loan Log now records entries for lock cancellation requests and lock cancellations. The entries list the action, the user who initiated the action, and the date and time of the action. Click the entry to view additional information in the right panel of the Encompass360 workspace. Lock cancellation requested by - The right panel displays the date and time the cancellation was requested, the user who requested the cancellation, comments by the user who initiated the cancellation, information about the original rate request, and basic information about the borrower and loan. Lock cancelled by - The right panel displays the dates and times the cancellation was requested and executed, the users who requested and cancelled the rate lock, comments by the user who initiated the cancellation, and basic loan information. INV-1142 Button Changes on the Lock Request Form Tool On the Lock Request Form tool, a new Cancel Lock button has been added and the names of the following buttons have been changed: The Detailed Lock Request Form button is now the Detailed Lock button. The Request (Re)Lock button is now either the New Lock button (before the first lock request is submitted) or the Re-Lock button (after the first lock request is submitted). The Request Extension button is now the Extend Lock button. Option to Exclude Interest Rate when Copying Current Loan Data to the Rate Lock INV-614 An Exclude Interest Rate if applicable when copying to Lock Request check box has been added to the Compare with Current Loan Data window that displays when a user clicks the Compare with Current Loan Data button or the Lock and Confirm button on the Secondary Lock Tool. The window lists the field ID, field description, and field value for each field in the new rate lock that differs from the corresponding field in the loan file. The user can then decide whether to override the loan values with the rate lock values or to override the rate lock values with the loan values. The check box configures the interest rate value that is used when the Copy Loan Data to Lock Request button is clicked. By default the check box is cleared, and the interest rate value in the Current Loan Data section will overwrite the value in the lock request. If the user selects the Exclude Interest Rate if applicable when copying to Lock Request check box, then the interest rate value in the Lock Request Data section will be copied to the loan file. INV-1249 Automatically Enabled Setup Requirements 24

28 Description of Feature Upfront MI Paid in Cash Now Calculated Correctly on Lock Request Form The calculation for the Amount Paid in Cash field (field ID 3047) on the Lock Request Form has been updated in order to accurately reflect the amount paid in cash when the total upfront mortgage insurance premium for a conventional loan is being paid in cash. ENC-3613 Appraised Value Now Populated to Lock Request Form After importing a completed appraisal report from an Encompass Appraisal Center website, the appraised value provided in the report is now populated to the Appraised Value field (field ID 2949) on the Lock Request Form. APP-860 Extend Lock Button Enabled Until Lock Extension Expires If a lock extension is in effect for a loan, the Extend Lock button on the Lock Request Form tool now remains enabled until the lock extension expires. Previously, the Request Extension button (the previous name of the Extend Lock button) was disabled after the original lock had expired, even if a lock extension was in effect. INV-1192 Fields 1130 and 3041 No Longer Repeat on the Compare With Current Loan Data Window When the value for the Lock Plan Code (field ID 1130) on the Loan Submission input form is different from the Lock Plan Code (field ID 3041) on the Lock Request Form tool, the values for field 1130 and 3041 are no longer repeated twice on the Compare with Current Loan Data window. The window displays when a user clicks the Compare with Current Loan Data or Lock and Confirm button on the Secondary Lock Tool. The window lists the field ID, field description, and field value for each field in the new rate lock that differs from the corresponding field in the loan file. Previously the values for fields 1130 and 3041 were repeated on two lines in the Compare with Current Loan Data window. INV-1137 Comments No Longer Cleared When Importing Pricing from Optimal Blue - Enhanced The comments (field 2144) in the Lock Request Form tool are no longer cleared when the Get Pricing button is used to import rate lock pricing from Optimal Blue - Enhanced. INV-1272 Correct Lock Icon Showing When New Lock Requested For a Lock Extension The correct icon now displays on the header above the loan file when a new lock request has been made for a loan with a lock extension that has been locked and confirmed. The header now displays the lock request icon showing a lock with a yellow envelope. Previously the lock extension request icon displayed showing a lock with a purple envelope. INV-1447 Automatically Enabled Setup Requirements 25

29 Description of Feature New Lock Expiration Date Can Be Added to Reports The data from the New Lock Expiration Date (field 3364) on the Secondary Lock Tool can now be added to reports. The field was previously not available on the Locks tab, in the Reporting Database in the Encompass Admin Tools. The field description for the field in the Reporting Database is Rate Lock Buy Side Extended Lock Expires Date. INV-1414 Buyside Lock Request Base Buy Price Displays Adjusted Pricing (Available January 17) When a lock extension is requested in Encompass360 or in the TPO WebCenter, the Base Buy Price field (field ID 2101) on the Secondary Lock tool now displays the value from the Adj. Buy Price field (field ID 3420) from the Buy Side Lock and Pricing column. Previously, the Base Buy Price (field 2161) from the Buy Side Lock and Pricing column displayed in the Base Buy Price field (field ID 2101). Updates to Interim Servicing and Purchase Advice Form INV-1813 Easily View Yearly Payments for 1098 Reporting for Loans Serviced Over Multiple Years A Summary History button has been added in the Payment Summary section of the Interim Servicing Worksheet to allow lenders to report the principal, interest, and other payments paid on loans being serviced over multiple years. When a user clicks the Summary History button, a pop-up Payment Summary History window displays. When a Payment Year is selected from the list, the window displays the total amounts collected for that year for principal, interest, total principal and interest, escrow payments, buydown subsidies, late fees, and miscellaneous fees, plus the total amount for all payments collected during the year. The Payment Year list allows users to select from the year when the last payment was received, and the previous two years. All the payment fields on the window are read-only. The button is enabled when a user clicks the Start Servicing button and records a payment in the Account Transaction section of the worksheet. INV-1103 Impounds Now Calculating Correctly on Purchase Advice Form The Impounds amounts (fields 2837, 2835, and 2839) are now calculating correctly on the Purchase Advice Form tool when the First Payment to Investor date (field 3514) is the same as the Loan First Payment Date (field 682). Previously, when the two date fields were the same, the Impounds amounts would display the total of two escrow payments instead of one. INV-1106 Automatically Enabled Setup Requirements 26

30 Description of Feature Automatically Enabled Setup Requirements Encompass Product and Pricing Service (EPPS) Updates to the After Hours Lock Request Process EPPS administrators who have permission can now process a lock request when the lock desk is closed, even when the lock requestor does not have permission to submit a lock when the lock desk is closed. Previously, the administrator s right to process a lock request after hours was tied to the requestor s right, so that an administrator could not process loans after hours when the requestor did not have permission to submit requests after hours. INV-1681 Support Added for Detached Condos as a Property Type The Property tab for an EPPS pricing request now includes an option for Detached Condo in the Property Type drop-down list. INV-1564 LPMI Option Copied to EPPS When Pricing Requested from Encompass360 When the Lender Paid Mortgage Insurance check box (field ID 3533) is selected on the MIP/PMI/ Guarantee Fee Calculation tool in Encompass360, the selection is now copied to EPPS when a pricing requested is made from Encompass360. The tool is accessed by clicking the Edit icon in the mortgage insurance sections of forms such as the 1003, Itemization, REGZ-TIL, and Closing REGZ-TIL. NOTE: If a pricing request is made with the check box cleared, and the LPMI option is later selected in EPPS, the information is not automatically copied back to Encompass360 and must be manually updated in the MIP/PMI/Guarantee Fee Calculation tool. INV-1767 EPPS Supports for IE 10 and Windows 8 (Available January 17) The EPPS website can now be accessed using the Microsoft Internet Explorer 10 browser and the Microsoft Windows 8 operating system. INV-1736 Specified EPPS Loan Program Options Imported into Encompass360 (Available January 17) When a loan program selected in EPPS has an option listed on the Program Comments on the Qualify tab and in the Options/Features section in the Program Information section on the Summary tab, the option is now included in the data that is copied back to the Comments field on the Lock Request Form in Encompass360. These options include Interest Only, Waive escrows, No MI, Lender-paid MI, and 40-year Amortization. INV

31 Description of Feature EPPS Comments Field Hidden for Pricing Requests from Encompass360 (Available January 17) When an Encompass360 user requests pricing from EPPS, the Comments text box on the Summary tab in EPPS is hidden to avoid confusion. Previously, Encompass360 users entered comments in the text box and expected the comments to be copied to the Comments box on the Lock Request Form in Encompass360, even though there is no connection between these two comment fields. Users should continue to enter comments on pricing requests in field 2144 on the Lock Request Form. INV-1309 Encompass360 Users Cannot View EPPS My Profile Link (Available January 17) When an Encompass360 loan originator requests pricing from EPPS by clicking the Get Pricing button on the Lock Request Form, the My Profile link on the EPPS website is no longer visible to the user. Previously, clicking the link would open an inactive browser window. INV-1010 Not Supported Messages Do Not Display for TPO WebCenter Users (Available January 17) When a pricing request is submitted to EPPS from TPO WebCenter for a loan with an LTV greater than 80%, the user will no longer receive a Not Supported: No MI message when the user has configured restricted access to No MI products. Users will now see only programs that are appropriate for the pricing scenarios they have configured. TQL Services INV-1781 Updates to the Comments Section on the TQL Services Tool page 56 Changes have been made to the way comments are entered and published to investors from the Comments section of the TQL Services tool. To add new comments, click the Add icon, type the text in a pop-up window, and then click OK on the pop-up window. The new comments are then added to the comments text box. When a loan is published to an investor, all comments are published. When new comments are added to a loan that is currently being published, the comments are published to the investor when the user exits the loan. Previously, a user entered new comments in the New Comments field, and then clicked either the Save Comments button to save the new comments without publishing them to the investor or the Send Comments to Investor button to publish all the comments to the investor. The comments would then display in the Previous Comments section. TQL-474 TQL Comments Field Not Copied When a Loan is Duplicated When a loan is duplicated, comments in the text box (field ID 3355) in the Comments to Investors section of the TQL Services tool are no longer copied to the new loan. TQL-665 Automatically Enabled Setup Requirements 28

32 Description of Feature Valuation Service New features have been added to the Encompass360 tools and settings for users who are publishing loans to Citibank via the TQL Services tool. The new features support the ordering of Automated Valuation Model (AVM) reports through the Correspondent Collateral Valuation Program (CCVP) provided by CoreLogic. The AVM reports provide an estimated value for single-family, condominium, townhouse, and planned unit development (PUD) properties. A new Valuation Service Orders section has been added to the TQL Services tool to allow users to order CCVP reports and review the results of orders that have been returned. A new Valuation Service setting has been added to the Encompass Settings to allow administrators to enable users to access the service. Valuation Service Setting (CCVP) page 57 Use the Valuation Service setting to enable users to order Automated Valuation Model (AVM) reports from the TQL Services tool through the Correspondent Collateral Valuation Program (CCVP) provided by CoreLogic. The Automated Valuation Model provides an estimated value for single-family, condominium, townhouse, and planned unit development (PUD) properties. TQL-784, TQL-929 Valuation Service Orders Section Added to TQL Services Tool page 58 A Valuation Service Orders section has been added to the TQL Services tool for users who are publishing loans to Citibank. Users who have permission to access the feature can click the Order button in the Valuation Services Orders section to order an Automated Valuation Model (AVM) report through the Correspondent Collateral Valuation Program (CCVP) provided by CoreLogic. CCVP reports provide an estimated value for single-family, condominium, townhouse, and planned unit development (PUD) properties. A loan must have a status of Pass for one of the two CCVP reports before it can be published to Citibank via the TQL Services tool. When a user clicks the Order button, a pop-up window displays with borrower and loan data copied from the loan file. The pop-up window allows the user to enter appraisal information and as many as six comp properties for the loan. After the order is submitted, an entry is created on the order list in the Valuation Service Orders section. When you select an order, the Documents section displays the document that was returned for each report. The Results section displays the name and result of the report, and a message related to the report order. TQL-930, TQL-931, TQL-932, TQL-934,TQL-1015 Automatically Enabled Setup Requirements Your company must open an account with CoreLogic's CCVP program before your administrator can enable users. See page 57 for detailed information. 29

33 Description of Feature Automatically Enabled Setup Requirements Appraisal Service Additional Appraisal Types Now Available When Ordering an Appraisal The following appraisal types have been added to the Appraisal Type drop-down list on the Order Appraisal window (Multi-unit Appraisal Form) 1007 (Rent Schedule) 216 (Operating Income Schedule) Authorized users can select one of these types to order when submitting an order request through the Appraisal service. APP-773 Comment Added to Document Entry to Identify Order Submitted by Internal Order Desk When an authorized Internal Order Desk user sends an appraisal order request to an appraisal company, an entry is added to the Documents tab in the efolder. In order to identify this document entry when other appraisal order document entries are listed on the Documents tab, a comment is now provided in the Document Details window that says, This is an Order Desk request. To view this comment, double-click the entry on the Documents tab, and then click the Comments tab in the Tracking section of the Document Details window. APP-821 Additional Fields Can Now Be Edited When Internal Order Desk User Submits Appraisal Order Request The Estimated Lot Size and Targeted Lender fields on the Order Appraisal window can now be edited by authorized Internal Order Desk users who are submitting an appraisal order request. APP-818 Import the Name of the Appraisal Company When Importing Completed Appraisal Report A new Appraisal Company Name field has been added to the Import Appraisal Data section of the Order Update window that is used to import appraisal data and documents received from appraisers. This company name is populated to the Appraisal Fee field (field ID 617) on the 2010 Itemization input form (as well as other input forms) to identify the company to which the fee is being paid. APP-837 Payment Details Provided When Borrower Pays for Appraisal Order To help track the details of an appraisal order in which the order fee is paid by the borrower, the payment amount, the borrower s name, the type of credit card used, the last four digits of the credit card, and a reference number are now provided in the Order Information section of the Order Details window and in the Order History section of the Appraisal Order Status window. APP

34 Description of Feature Users Can Now Re-Import Appraisal Data and Documents as Needed (Available January 10, 2013) A new Re-import link is now provided in the Order Update column in the Appraisal Order Status window. Use this link to re-import appraisal data or documents that were previously imported but may be have been deleted from the loan file later. The Re-Import link displays for every appraisal document that can be re-imported. If there is only appraisal data to import (no documents) and the value in the loan file is the same as the value sent from the appraiser, the Re-Import link is not displayed (since there is no need for the user to import matching data into the loan). In this data-only scenario, if the data in the loan file is ever changed to a value that differs from the values sent from the appraiser, then the Re-Import link is displayed for the data. APP-935 Appraiser s Name No Longer Displayed in Order History When Submitting Request via Internal Order Desk (Available January 10, 2013) When an authorized Internal Order Desk user sends an appraisal order request to an appraisal company, they can always view the appraiser s company name in the Order History table. However, the Encompass360 user that sent the original request to the Internal Order Desk user can now no longer view the appraiser s name in the Order History until the completed appraisal document has been delivered to the original requestor in Encompass360. APP-904 Users Can No Longer Add Multiple Appraisers with the Same Address to My Appraisers List (Available January 10, 2013) When adding an appraiser to your My Appraisers list (by using the Add Appraiser icon), Encompass360 now alerts you if you attempt to add an appraiser that has the same address as an appraiser that is already on your My Appraisers list. You must provide a different address in order to add the appraiser. APP-905 Automatically Enabled Setup Requirements To Add an Appraiser to your My Appraisers List: 1 Open a loan file in Encompass360, and then click the Services tab. 2 Click Order Appraisal. 3 On the My Appraisers tab, click the Add Appraiser icon. 4 Enter the appraiser s information, and then click Save. 31

35 Description of Feature Automatically Enabled Setup Requirements Title & Closing Service New Identifiers Provided for File Attachments Sent from Encompass Title Center When importing title documents or files returned from a provider using the Encompass Title Center, the type of documents or files are now indicated in the Import Documents section. The file type is displayed next to the attachment. The file type options are: Title Report Invoice Attachment (This identifier is used when the provider classifies the file as an Other Attachment in the Encompass Title Center). These identifiers are also displayed in the Attachments column in the Order History section of the Title Order Status window. APP-739 Title Management Companies Included in Search Results All Title Management Companies (TMCs) that are available in the Encompass360 Title Directory are now included in the search results (as applicable) when an Encompass360 user searches for companies in the Order Title & Closing window. APP-852 Users Can Now Re-Import Title Data and Documents as Needed (Available January 10, 2013) A new Re-import link is now provided in the Order Update column in the Title Order Status window. Use this link to re-import title data or documents that were previously imported but may be have been deleted from the loan file later. The Re-Import link displays for every title document that can be re-imported. If there is only title data to import (no documents) and the value in the loan file is the same as the value sent from the title agent, the Re-Import link is not displayed (since there is no need for the user to import matching data into the loan). In this data-only scenario, if the data in the loan file is ever changed to a value that differs from the values sent from the title agent, then the Re-Import link is displayed for the data. APP-935 Additional Updates & Enhancements Administrators Can Now Remove Associated Loans from a Borrower Contact Users who are assigned the Super Administrator persona (including the individual with the admin user ID) can now disconnect the link between a borrower contact and their associated loans when making changes to the Borrower Contacts tab. Previously the administrator would receive an error message stating that the user did not have access rights to the loan. ENC

36 Description of Feature Qualify Rate Entered as Intended When Applying Multiple Loan Templates to a Loan After applying a loan template to a loan file, you can apply a different loan template to the file if necessary. An issue occurred where the Qualify Rate (field ID 1014) was being populated with the Note Rate (field ID 3) when more than one loan template was applied to the loan file. This issue has been resolved. The loan s Qualify Rate is now populated with the Qualify Rate entered in the loan template being applied. ENC-2126 Investor Contact Name Remains in Loan File After Applying Generic Plan Code In previous versions of Encompass360, users that utilized the Encompass Docs Solution to generate initial disclosures or to order closing documents experienced an issue where the Investor name (field ID VEND.X263) was cleared from the loan file when they selected a generic plan code and proceeded to generate initial disclosures or order closing documents. This issue has been resolved and the Investor name stays populated in field VEND.X263 when plan codes are applied. ENC-3608 Total Net Profit for a Loan Trade Calculated Correctly When Using Advanced Pricing When using the Trades tab to manage trades, the Total Gain/Loss field for a loan trade now calculates correctly on the Details tab when the Advanced option is selected on the Pricing tab. INV-1222 Trade IDs Longer Than 32 Characters No Longer Truncated in Reports When a Trade ID (field 2031) is included in a report and the Trade ID content is more than 32 characters long, the full content of the Trade ID field now displays in the report. Previously the field was truncated in the report after 32 characters, even though the field allows 64 characters. INV-1428 Error Triggered When Using the Get Updates Multi-User Editing Feature Resolved An issue occurred for customers using multi-user editing where an error message (Loan file merge failed...) was triggered when a user opened a loan file and clicked the Get Updates icon in an attempt to view changes to the loan file performed by a different user. This issue has been resolved and the Get Updates window (listing the changes to the loan file) is now displayed when a user clicks the Get Updates icon. ENC-3917 Automatically Enabled Setup Requirements 33

37 Description of Feature Ctrl-I Keyboard Shortcut Cannot be Used to Open Encompass360 Instant Messenger If the administrator has disabled the Encompass360 Instant Messenger using the Settings Manager in Encompass 360 Admin Tools, users are no longer able to bypass this setting and open the Instant Messenger by pressing Ctrl-I on their keyboard. ENC-1067 Loan Folders Listed in Alphabetical Order When Moving a Loan to Another Folder in Pipeline When moving a loan in the Pipeline to a different loan folder, the list of loan folders to which the loan can be moved is always sorted alphabetically. Previously, newly added loan folders created in the Loan Folders setting in Encompass Settings were added to the bottom of this list in certain circumstances. To move a loan to another folder, right-click the loan in Pipeline, click Move to Folder, and then select a loan folder from the list. ENC-1079 Correct Reporting Database Field Description for Refinance Type (Field ID MORNET.X40) The field description that displays when adding field ID MORNET.X40 to the Reporting Database in the Admin Tools has been changed to Refinance Type. Previously the field description displayed as Fannie Mae Agency Case Number. ENC-3253 HUD Section 184 Product Loan Amounts Up to 150% of FHA County Limits (Available January 17) EPPS loan amounts for HUD Section 184 products are now capped at 150% of the FHA county limits. HUD Section 184 mortgages can now exceed the FHA county loan limit, but cannot exceed 150% of the county limit. INV-1778, INV-1865 Automatically Enabled Setup Requirements To Disable the Encompass360 Instant Messenger: 1 On your Windows task bar, click the Start menu or Start icon, navigate to the Ellie Mae Encompass360 program folder, and then click Admin Tools. 2 Double-click Settings Manager. 3 Select Components from the Category drop-down list. 4 For the Instant Messenger option, double-click the option in the Value column, and then select Disabled from the drop-down list. 5 Click Apply or OK. 34

38 Description of Feature Automatically Enabled Setup Requirements Update Updates to VA Verification of Benefit Output Form The VA Verification of Benefit output form has been updated to match the revised version of the form released by the U.S. Department of Veterans Affairs on December 5, ENC-4922 Update Issue When Importing DU Files Through the Encompass360 SDK Resolved An issue occurred for some users when importing a Fannie Mae Desktop Underwriter (DU) file through the Encompass360 SDK, where the Purchase Price field (field ID 136) in Encompass360 was populated with the loan amount if the purchase price was not specified in the DU file. This issue has been resolved and the Purchase Price field is not populated if the purchase price is not specified in the DU file. ENC

39 Detailed Procedures Downloading Microsoft.NET Framework 4 If you were unable to upgrade all end user workstations to Microsoft.NET Framework 4.0 prior to the Encompass360 Winter Release, you must do so before upgrading to Encompass Follow the steps below to download.net Framework 4.0 from Microsoft s website: Local Area Network (LAN) - Preferred 1 If your users are connected to a LAN, download.net 4.0 from the following link: 2 Place the downloaded.net 4.0 installation file in a location that is shared with your users. 3 Instruct your users how to access and install.net 4.0 from your shared location. Wide Area Network (WAN) - No available LAN 1 Each user must install Microsoft.NET directly to their machine prior to upgrading to Encompass Click the following link for Microsoft's instructions on downloading and installing Microsoft.NET 4.0: Server update: Server updates (for example, Encompass x) are smaller updates that don t require a completely new installation of Encompass360. Instead, a group of new or updated files is copied to the Encompass server. Your users computers are upgraded when they log in to the newly updated Encompass server. Installing a Major Upgrade Use the Version Manager tool to manage how and when major upgrades are applied to your Encompass360 software. When a major upgrade is available, it is listed in the Major Upgrade Management section of the Version Manager. Click the links to review the release notes for the upgrade and to download and install the upgrade on your server. Refer to the Upgrading Encompass360 document for detailed instructions about installing a major upgrade. Manage Encompass Server Updates Use the Version Manager tool in Encompass360 Admin Tools to manage how and when updates are applied to your Encompass Server. Here you can specify the amount of time before the update will start, and send an announcement to all currently logged in users to notify them of the update before it starts. There are two kinds of Encompass server updates- installing a major upgrade or installing a server update: Major upgrade: Major upgrades (for example, Encompass ) introduce significant new features and enhancements. Your current version of Encompass360 is completely uninstalled, and then the new upgraded version of Encompass360 is downloaded and applied to your Encompass server. Your users computers are upgraded when they log in to the newly updated Encompass server. Last Revised: January 15, 2013 Detailed Procedures 36

40 Installing a Server Update Use the Version Manager tool in Encompass360 Admin Tools to manage how and when updates are applied to your Encompass Server. Here you can specify the amount of time before the update will start, and send an announcement to all currently logged in users to notify them of the update before it starts. 1 On your Windows task bar, click the Start menu or Start icon, navigate to the Ellie Mae Encompass360 program folder, and then click Admin Tools. 2 Double-click Version Manager. If you are prompted to log in to the server, type the User ID, Password, and Server that you use to log in to Encompass360 as the admin user. 3 If an update is listed in the Server Update Management section, click to select it. 5 On the Version Management Notification window, enter number of minutes and seconds before the server update will start. 6 Enter the announcement to display to all logged in users to notify them of the update. 7 Click Install Updates. A message window displaying your announcement displays to all logged in Encompass360 users. When it is time for the install to start (based on the start time you set), Encompass360 waits 30 additional seconds and then automatically logs out all users. Once all users are logged out, the update starts. All users are locked out of Encompass360 until the update is complete and the server is restarted. 4 Click Install Updates. Last Revised: January 15, 2013 Detailed Procedures 37

41 New Admin Tools Settings to Manage Changed Circumstance Fee Handling To help improve the system administrator s control over how fees are updated to the 2010 GFE input form due to a changed circumstance, the After Disclosure Copy fees to GFE tool is now available in the Encompass360 Admin Tools. To Manage the After Disclosure Copy fees to GFE Settings: 1 On your Windows task bar, click the Start menu or Start icon, navigate to the Ellie Mae Encompass360 program folder, and then click Admin Tools. 2 Double-click Settings Manager. If you are prompted to log in to the server, type the User ID, Password, and Server that you use to log in to Encompass360 as the Admin user. 3 Select Polices from the Category menu. 4 Double-click the After Disclosure Copy fees to GFE option. The following options are available to select. Your selection here controls whether or not fees changed directly in the Borrower column on the 2010 itemization input form or indirectly as the result of a recalculation (for example, a recalculation that occurs if the loan amount changes) will automatically update in the GFE (Section #) column. Always Update - When selected, fees will always automatically update in the GFE (Section #) column. Selective Update - When selected, fees will automatically update in the GFE (Section #) column only if one or more select criteria are met. The select criteria are: A loan that has never been disclosed (both the Last GFE Sent Date (field ID 3137) and Initial GFE Sent Date (field ID 3148) fields are blank) will allow automatic updates to the GFE (Section #) column regardless of whether the fee is changed directly (i.e., manual key entry) or indirectly (i.e., change in loan amount, change in calculated value, application of new closing cost template, etc.). Changes made after the Changed Circumstance check box (field 3168) on the 2010 GFE has been selected will automatically update the GFE (Section #) column regardless of whether the fee is changed directly (i.e., manual key entry) or indirectly (i.e., change in loan amount, change in calculated value, application of new closing cost template, etc.). A loan where the GFE has expired (the GFE Expiration Date (field ID 3140) is earlier than today s date) and the Borrower has not expressed an intent to continue with the loan (the Borrower intends to continue with this loan check box (field ID 3164) is not selected) will allow all fees on the 2010 itemization input form to automatically update on the GFE (Section #) column whenever the fee is changed directly (i.e., manual key entry) or indirectly (i.e., change in loan amount, change in calculated value, application of new closing cost template, etc.). Locking a rate, providing rate lock details (lock date and lock term), and then selecting the Changed Circumstance check box after a loan has been initially disclosed will allow all fees on the 2010 itemization input form to automatically update on the GFE (Section #) column whenever the fee is changed directly (i.e., manual key entry) or indirectly (i.e., change in loan amount, change in calculated value, application of new closing cost template, etc.). Manual Update - When selected, fees will not automatically update in the GFE (Section #) column. Instead, loan team members need to manually update these fees or create business rules to control how these fees are updated. NOTE: Clicking the Copy Borrower column to 2010 GFE button on the 2010 Itemization will result in these fees being copied to the 2010 GFE even if this option is selected. Manage List of Changed Circumstances on 2010 GFE Input Form When re-disclosing due to a changed circumstance in previous versions of Encompass360, authorized users may select the Changed Circumstance check box (field ID 3168) on the 2010 GFE input form, and then select a description of the circumstance from the drop-down list (field ID 3169). Now in Encompass , the administrator can use the new Change in Circumstances Setup tool in Encompass Settings to create their own changed circumstance descriptions for this list, and remove, edit, and reorganize existing descriptions on the list. Back on the 2010 GFE, users can select the Changed Circumstance check box, and then click the new Search icon and select a changed circumstance from this list. The selected circumstance is populated to the form (field ID 3627), and the additional description fields (field IDs 3169 and 3166) are populated accordingly. To Add a New Option to the Changed Circumstance List: 1 On the menu bar, click Encompass, and then click Settings. Last Revised: January 15, 2013 Detailed Procedures 38

42 2 On the left panel, click Loan Setup, and then click Change in Circumstances Setup. 6 Type additional details about the changed circumstance in the Comments field. 3 Click the New icon. 4 In the Edit Change in Circumstance window, type a Code for the changed circumstance. This code is applied to the changed circumstance and remains associated with it even if the description of the changed circumstance is modified later. Encompass360 relies on this code when the administrator configures the criteria for a document's inclusion in an edisclosure package, sets up and generates reports, and when configuring a Field Trigger business rule. 5 In the Change in Circumstance field, type a description of the changed circumstance. 7 Click OK. 8 Click the Save icon. Here you can also delete an option from the Changed Circumstance drop-down list, move options up or down in the list, and modify the description and details of an option as need. Refer to the Change in Circumstances Setup topic in the Encompass360 online help for detailed instructions. To Indicate a Changed Circumstance on the 2010 GFE: 1 Open a loan file in Encompass Click the Forms tab, and then click 2010 GFE. Last Revised: January 15, 2013 Detailed Procedures 39

43 3 If a change in loan information might require a new disclosure, select the Changed Circumstance check box. 4 Click the Search icon (magnifying glass), and then select a description of the circumstance from the list. The code, description, and additional details for the selected circumstance is populated to the 2010 GFE input form. 6 Edit the description and details related to the circumstance if needed. New MIP/PMI/Guarantee Fee Calculation Window for USDA Loans When calculating monthly mortgage insurance (MI) premiums for a loan, loan team members can click the Edit icon on line 902 of the 2010 Itemization form to display the MIP/PMI/Guarantee Fee Calculation window (aka, the MI pop-up window ) and then calculate the MI. A new version of the MIP/PMI/Guarantee Fee Calculation window is now provided when working with USDA loans that calculates the USDA Upfront Guarantee Fee and Annual Fee. Here the user can select a Guarantee Fee Percentage (field ID 3560) and the MIP/PMI/Guarantee Fee Calculator calculates the Up-front Guarantee Fee based on the total loan amount (using formulas provided by the USDA). 5 Click OK. To Calculate MI for USDA Loans: 1 Open the USDA loan file from your Pipeline. 2 Click the Forms tab, and then click 2010 Itemization. Last Revised: January 15, 2013 Detailed Procedures 40

44 3 Click the Edit icon located to the right of the Mortgage Insurance Premium field (field ID L248) on line 902 to display the MIP/PMI/Guarantee Fee Calculation window. 4 Select a rate from the Guarantee Fee Percentage drop-down list. 5 If the entire Guarantee Fee will be financed, select the check box in the Financed Guarantee Fee section. The Guarantee Fee Amount (field ID 3561) and Total Loan Amount (field ID 3562) fields are calculated based on the Guarantee Fee Percentage rate. Encompass360 will populate line n. PMI, MIP Financed (field ID 1045) within the Details of Transaction on the Page 3 with the amount of the Guarantee Fee rounded down to the nearest dollar and calculate line g. PMI, MIP, Funding Fee (field ID 969) based on the portion of the Guarantee Fee that is being financed. The accuracy of these values can be validated through GUS or through using the portion of the USDA Guarantee Fee Calculator that addresses having a portion of the Guarantee Fee financed. 6 If only a portion or none of the Guarantee Fee will be financed, select the check box in the For Financing a Portion of the Guarantee Fee section. Enter the Amount of Guarantee Fee Financed (field ID 3563). It is recommended that you enter only whole dollar amounts in the Amount of Guarantee Fee Financed field to avoid causing errors in the Cash to Close calculation. The Total Loan Amount (field ID 3565) is calculated based on the Amount of Guarantee Fee Financed you entered. The Guarantee Fee Amount (field ID 3564) is calculated based on the Guarantee Fee Percentage rate. NOTE: You do not have to use the For Financing a Portion of the Guarantee Fee section of the MIP/PMI/Guarantee Fee Calculation window if the only portion of the Guarantee Fee not being financed is the rounded off portion of the fee. The Financed Guarantee Fee section automatically calculates the correct amount of Guarantee Fee being financed rounded down to the nearest dollar. 7 Use the Monthly Mortgage Insurance / USDA Annual Fee Premium Section to calculate the USDA annual fee premium. Enter the data for this section manually. NOTE: The annual fee of 0.3 percent is applicable for all loan applications (purchase, new construction and refinance transactions) with a Conditional Commitment dated October 1, 2011 and thereafter. Though it appears similar, the USDA annual fee is not Mortgage Insurance. The annual fee does not cancel and cannot be removed at any time over the life of the loan. On line 1, type the rate for the annual fee payments in the % field, and then type the number of months the payments will be made in the Months field. If the borrower is scheduled to make an additional series of payments after the payments on line 1 have ended, use line 2 to enter the percentage rate and number of months for the additional payments. Last Revised: January 15, 2013 Detailed Procedures 41

45 Select the Calculate based on remaining balance option to calculate payments based on an average of the remaining UPB taken every 12 months. This average is used to calculate the fee premiums listed in the payment schedule on the REGZ-TIL. 8 Click OK to close the window. 7 Enter the amounts for the Current Impounds and Current Principal provided by the lender. Pricing Reconciliation Use the Pricing Reconciliation section to enter information use to calculate the final buy price. Correspondent Purchase Advice Form Use the Correspondent Purchase Advice Form to calculate the details of the purchase amount when you are buying a loan from a lender. Use the form to enter the impounds and principal amounts from the lender, and to calculate the amounts that you will include in the Purchase Advice statement that you send to the lender. Basic Loan Information Enter basic information about the loan purchase at the top of the form. 1 Open a loan file, click the Tools tab, and then click Correspondent Purchase Advice Form. 2 Type or select the Purchase Date and the Wire Date. Typically these are the same date, but not always. 3 Type the Lender Name or click the Address Book icon to select a lender form your business contacts. 4 Enter the Lender Loan Number if not already populated. The Loan First Payment Date and Loan Amount are populated from the loan file. 5 In the Paid to Date field, enter the date for which the last loan payment was collected. 6 In the First Payment Date, enter the date when you will receive the first payment for the loan. NOTE: Typically this is the date when the next payment is due. However, there are circumstances where the next payment might go to the lender, for example, if the loan is purchased close to the payment date and the statement has already been sent to the borrower. 1 The Locked Buy Price field is populated with the Net Buy Price (field ID 2203) entered in the Buy Side Lock and Pricing column in the Secondary Registration Tool. If necessary, enter the base buy price plus any price adjusters in the Locked Buy Price field. 2 Use the Additional Adjusters fields to enter descriptions and percentages for any additional price adjustments. NOTE: A positive value represents amounts due to the lender. A negative amount represents an amount due to the investor. 3 The Final Buy Price will calculate based on the Lock Buy Price and Additional Adjuster entries. 4 The SRP Percentage is populated with the SRP Paid Out percentage (field ID 2205) entered in the Buy Side Lock and Pricing column in the Secondary Registration Tool. If necessary, enter the SRP percentage to be paid to the lender. 5 In the Reconciliation Comments field, type comments related to the pricing reconciliation process. Last Revised: January 15, 2013 Detailed Procedures 42

46 Purchase Details Use the Purchase Details section to enter additional payouts to the lender and calculate the total payment amount for the loan. Create Multiple 4506 or 4506-T Forms You can now create multiple versions of the Request for Copy of Tax Return (4506) and Request for Transcript of Tax (4506-T) forms to obtain authorization from the borrower, co-borrower, or other individuals or entities to request copies of their tax returns or tax transcripts from the Internal Revenue Service. To Create Multiple Versions of the Form: 1 Complete the initial version of the form as described in the Encompass360 online help topic for the form. 2 To create an additional request form, click the Add icon, and then complete the information for the additional form. 3 Repeat the process for each form you want to add. When you add a new version of the form, an entry is created in the table at the top of the form. To View an Entry: Select an entry to view or edit the associated form 1 To update the Purchase Details data, click the Update Balances button. 2 The first five rows in this section are calculated based on the entries made in the upper sections of the form. Click the Lock icons to edit the field values. 3 On the Interest row, click the Edit icon to change the interest calculations by adjusting the Number of Days or Per Diem Interest Rounding. 4 Enter the Remaining Buydown Amount if any. 5 Use the 12 blank fields to enter details of payouts made to the lender. For each payout, type a description. Then enter the expected value for the amounts paid to the lender. You can select a predefined description from the drop-down list. These descriptions are created using the Purchase Advice Form setting in Encompass Settings. 6 In the Completed By field, type the name of the person who completed the Correspondent Purchase Advice form. 7 In the Date field, type or select the date when the form was completed. To Delete an Entry: Select an entry on the list, and then click the Delete icon. To Reposition an Entry on the List: Select an entry on the list, and then click the Up or Down icon. Generating 4506 and 4506-T Output Forms for a Loan File with Multiple Versions of the Form When generating (or printing) 4506 or 4506-T output forms for a loan file with multiple versions of the form(s), the following rules apply to the way the forms are generated based on the document generation application your company is using to generate initial disclosures and closing documents: If you are using the Encompass Docs Solution, Encompass360 generates all the forms that display on the list at the top of the Request for Copy of Tax Return or the Request for Transcript of Tax form. Last Revised: January 15, 2013 Detailed Procedures 43

47 If you are not using the Encompass Docs Solution or are ordering from a thirdparty vendor via the Services tab, only the form that displays on the top of the list is generated Add Mortgage Interest Received Field (Field ID 3615) to the 1098 Mortgage Interest Report The newly added field for Mortgage Interest Received (field ID 3615) is now included in the 1098 Mortgage Interest report under the label Box 1 for new Encompass360 installations. Customers who are updating to Encompass360 version 8.0 will need to first add the new field to the Reporting Database, and then add the field to the 1098 Mortgage Interest report. To Add the Field to the Reporting Database: 1 Click Start, point to All Programs, point to Ellie Mae Encompass360, and then click Admin Tools. 2 Double-click Reporting Database. If you are prompted to log in to the server, type the User ID, Password, and Server that you use to log in to Encompass360 as the Admin user. 3 In the Selected fields section, click the New icon, type 3615, and then click Add. 4 Click Update to update your database. 5 Click Yes to confirm the update. 6 Click Yes or No when asked if the newly added fields should be made accessible to all personas. 7 When the database has been updated, click Yes to populate the database. 8 Click OK in response to the completion message. 5 Select the Encompass Field option. 6 Click the Find icon on the Field ID line. 7 On the Select Field window, type 3615 in the Find field, click the Find button, and then click OK. To Add the field to the 1098 Mortgage Interest Report. 1 In Encompass360, click the Reports tab. 2 In the left column, click (27) 1098 Mortgage Interest. 3 Click the Fields tab, and then click the New icon. 4 Click the New icon to open the Field Properties window. 8 On the Field Property window, make additional selections as needed, and then click OK. 9 Click the Save icon to save your changes. Last Revised: January 15, 2013 Detailed Procedures 44

48 New Admin Tools Settings for Loans Imported From TPO WebCenter Use the TPO WebCenter Loan Import tool in Encompass360 Admin Tools to control whether or not specific fields in loans originated in an Encompass TPO WebCenter site are recalculated when imported into Encompass360. To Manage the TPO WebCenter Loan Import Settings: 1 On your Windows task bar, click the Start menu or Start icon, navigate to the Ellie Mae Encompass360 program folder, and then click Admin Tools. 2 Double-click Settings Manager. If you are prompted to log in to the server, type the User ID, Password, and Server that you use to log in to Encompass360 as the Admin user. 3 Select Import from the Category drop-down list. 4 Double-click the TPO WebCenter Loan Import option, and then select from the following options: Keep Calculated Values - The values in the fields are not recalculated and may be edited as needed. Use Encompass Calcs - The values in the fields are recalculated by Encompass360. Only authorized users are then permitted to edit these fields. (Authorized users click the Lock icon and then update the fields as needed.) The specific fields controlled by this setting are: Net Rental Income (field ID 106) Estimated Closing Costs (field ID 137) Estimated Prepaid Items (field ID 138) Closing Costs Paid by Seller (field ID 143) PMI, MIP, Funding Fees (field ID 969) Debts to be paid by refinanced loan proceeds (field ID 1092) Discount (field ID 1093) Configuring Automated Conditions Business Rules A new Add Automated Conditions option has been added to the Add Condition window in the efolder. When selected, this option populates conditions to the Preliminary Conditions, Underwriting Conditions, and Post-Closing Conditions tabs based on data in the loan file and the logic set up in the new Automated Conditions business rule in Encompass Settings. Administrators use this tool to configure business rules that apply specific conditions to the loan based on specific loan criteria when the Add Automated Conditions efolder option is used. To Configure an Automated Conditions Business Rule: 1 On the menu bar, click Encompass, and then click Settings, 2 On the left panel, click Business Rules, and then click Automated Conditions. 3 On the Automated Conditions screen, click the New icon. 4 On the Automated Conditions Editor window, type the name of the rule. 5 Select the channels where the rule will be applied. Select No channel selected to apply the rule to a loan where none of the channel options are selected. NOTE: The channel for each loan is specified on the Borrower Summary form. Last Revised: January 15, 2013 Detailed Procedures 45

49 6 Next, select the condition for the rule: Select No to always apply the rule. Or, select Yes to create a condition for when the rule is applied. Select a category for the condition, such as Loan Type. Select a value for the category, such as USDA RHS. NOTE: If you select the Advanced Conditions option, you can create expressions to define custom conditions. Click the Find icon to select filters for the Advanced Conditions option or, for detailed instructions on how to create your own code, refer to the Advanced Coding for Business Rules document available in the Documentation Library. Repeat these three steps to add additional condition types. 8 Click Save. 9 To activate this business rule, select the rule in the Automated Conditions list, and then click Activate. The status is changed to Active. The rule is activated for all current, imported, and new loans. 7 Next, add and apply the field events. Here you will select the condition(s) that will be added to the loan when a user selects the Add Automated Conditions option in the efolder. Click Add. On the Select Condition window, select the condition type from the dropdown list: Preliminary, Underwriting or Post-Closing. Select the condition(s) to add to the loan, and then click Add. To Add Automated Conditions to Loan: 1 Open a loan file, and then click the efolder icon. 2 Click the Preliminary Conditions tab, and then click the New icon. Last Revised: January 15, 2013 Detailed Procedures 46

50 3 In the Add Condition window, select Add Automated Conditions, and then click OK. NOTE: The Add Automated Conditions option is accessible to authorized users from the Preliminary Conditions, Underwriting Conditions, and Post-Closing Conditions tabs in the efolder. However, if a user attempts to add automated conditions on a tab where the loan criteria has not been met or the administrator has not configured an Automated Conditions business rule, a There is no Automated Conditions Rule matched pop-up message displays. 4 In the Import Automated Conditions window, select the check box for each condition you want to add, and then click Add Selected. NOTE: The conditions listed here are determined by the administrator using the Automated Conditions business rule in Encompass Settings.All the conditions are selected by default. Clear the check box if you do not want to add a condition. Export efolder Documents from Pipeline Use the efolder Documents feature on the Pipeline to export the efolder document files for one or more loans to your computer or a network folder in PDF or ZIP file format. Your Encompass360 administrator uses the Document Export Templates setting to configure the options that are available for the export. When you export the documents, you can select the document export template to use. NOTE: You will only be able to export the documents for a loan if file attachments are assigned to all of the efolder documents that require attachments. Administrators configure the documents that require attachments in the Document Stacking Templates setting. When you export the documents, a list will display, highlighting any documents that do not have the required files. Open the efolder to assign files to these documents. To Export efolder Documents: 1 On the Pipeline tab: To export all of the loans in your Pipeline view, right-click on the Pipeline, point to efolder Documents, point to Export Document(s), and then click All Loans on All Pages. To export selected loans, select one or more loans, right-click the selected loans, point to efolder Documents, point to Export Document(s), and then click Selected Loans Only. The selected conditions are added to the Preliminary Conditions tab. Last Revised: January 15, 2013 Detailed Procedures 47

51 2 The Export Documents window displays information about the documents being exported, including whether an attachment is required or optional. 6 The Export Audit Report window displays a list of documents with missing attachments. 3 Select an option from the Export Template list to apply a document export template to the export process. The name of the stacking order template associate with the document export template displays above the Export Template list. 4 Click Next. 5 If the document export template does not include a default export location, a Browse for Folder window displays. Browse to select a destination for the exported files, and then click OK. Documents with missing optional files are highlighted yellow. Documents with missing required files are highlighted pink. NOTE: If any required documents are missing, documents for the loan will not export. Open the efolder and assign the required files to the document before exporting. 7 Click Next. The export files and a.txt log file are exported. Document Export Templates Setting Use the Document Export Templates setting to create and manage templates that control how loan documents are exported from the Pipeline. Templates control the document stacking template used, password protection, whether notes are included, the location where exported documents are stored, the naming convention used for exported document files, and whether the documents are exported as a single PDF file or a ZIP file containing multiple PDF files. After templates have been created by the administrator, users can apply the templates when they export loan documents from the Pipeline. To Create a Document Export Template 1 On the menu bar, click Encompass, and then click Settings. Last Revised: January 15, 2013 Detailed Procedures 48

52 2 On the left panel, click efolder Setup, and then click Document Export Templates. 3 In the Document Export Templates section, click the New icon, and then rename the template as needed. 4 In the Template Details section, select Export as PDF to export the documents as a single PDF file. Or, select Export as ZIP to export the files as a ZIP file containing individual PDF files for each document. 5 Select the Protect File with Password check box to use password protection for the exported PDF files, and then type the password in the Set Password and Confirm Password fields. 6 Select an option from the Document Stack to Export list to apply a Document Stacking Template, which configures the selection of documents and the order in which they are exported. 7 Select an Annotations Export option to configure the notes that will be included in the exported PDF files. 8 Select the Set and Define Export Location check box to have all users export files to a predefined folder, and then type the file path in the Document Export Location field or click the Browse button to browse to the folder. Or clear the check box to allow users to select their own location for storing the export files. 9 In the File Name Builder section, select up to three components to use when naming the exported PDF or ZIP file. 10 If you select the Other option for a naming component, use the text box to enter the text that will display in as the naming component. The File Name example at the bottom of the File Name Builder section provides an example of the name that each export file will be given. 11 When finished, click Save. Persona Access to Pipeline Services A Manage Pipeline Services option has been added to the Personas setting to control the personas who have access to the export features for Compliance Services and Investor Services on the Pipeline. To Configure Access to Compliance and Investor Services Exports: 1 On the menu bar, click Encompass, and then click Settings. 2 On the left panel, click Company/User Setup, and then click Personas. 3 In the Create a persona section, select a persona. Or, click the New icon, type a Persona Name, select a default access option, click OK, and then select the new persona. 4 Click the Pipeline tab, and then select the Manage Pipeline Services check box in the Pipeline Tasks section. Last Revised: January 15, 2013 Detailed Procedures 49

53 5 When the Pipeline Services Categories window opens, select one of the options: All - Selects all the export options so the persona can order both compliance and investor services. Custom - Allows the administrator to select the services that the persona can order. - Clears all the export options so the persona can order neither compliance nor investor services. efolder HTML Templates A new HTML Templates setting has been created to set up company-wide templates for HTML s that can be sent to borrowers when requesting documents, sending edisclosures, or sending files from the efolder. Encompass360 ships with one default template for each category: document requests, edisclosures, and sending files. Administrators can create new templates for each category. Users can select an HTML template from the Subject drop-down list on the Send window when requesting a document, sending edisclosures, or sending files from the efolder. To Create an efolder HTML Template: 1 On the menu bar, click Encompass, and then click Settings. 2 On the left panel, click efolder Setup, and then click HTML Templates. Last Revised: January 15, 2013 Detailed Procedures 50

54 3 Click the New icon. To delete an image from the Insert Image window, select an image, and then click the Delete icon. 4 Select a Template Type: Document Requests edisclosures Sending Files NOTE: The Template Type selection establishes the templates that are available on the drop-down list when a user requests documents, sends edisclosures, or sends files. For example, when a user is sending edisclosures to a borrower, only the templates associated with the Template Type for edisclosures will display on the list of available templates. 5 Type a Subject line. 6 In the main body of the template, type the content of the HTML . 3 To insert a hyperlink, highlight the link text, click the Hyperlink Icon, and select an option: To have the link open the WebCenter or Loan Center, select The WebCenter/Loan Center option.. To have the link open a website, select General web address, and then enter the URL for the website in the format To have the link open the recipient's application, select address, and then enter the address that you want to display in the To line. To Format a Template: Use the toolbar above the text box to format the content of a template. 1 Select text and use the drop-down lists to adjust the font type and size. 2 Select text and click the buttons to make the text bold, italic or underlined, or to change the font color. To insert an image, click the Image icon to open the Insert Image window, select a file, and then click Insert. To add an image to the Insert Image window, click the Add icon, browse to the image, and then click Open. Last Revised: January 15, 2013 Detailed Procedures 51

55 4 To insert the signature of the Encompass360 user who is sending the update, click the Add Field icon, select the Signature option, and then click Insert. To Edit a Template 1 Select a template on the list and click the Edit icon. 2 Edit the Subject line and the content of the as needed, and then click Save. To Duplicate a Template: 1 Select a template on the list and click the Edit icon. 2 Type the Subject line and edit the content of the as needed, and then click Save. NOTE: If you paste content into the HTML editor from another text editor (for example Word or Notepad), additional paragraph tags may be copied into the HTML code from the other text editor, which could cause the signature to display below the location where you pasted it. To adjust the signature location, open the source code, as described in Step 8 below, and remove the duplicate <P> and </P> tags from around the signature. 5 To insert a commonly used field, click the Add Field icon, select the Commonly Used Field option, select a field from the list, and then click Insert. 6 To insert any Encompass360 field, click the Add Field icon, and select the Other Field option: Type the field ID. Or click the Find icon, select a form in the left panel, right-click a field in the left panel, and then click OK 7 To modify the HTML code for the template, or to insert your own HTML code for a template, right-click the content screen, click View Source, edit or enter the HTML code, and then click Update. 8 When finished, click Save. To Delete a Template: 1 Select a template on the list and click the Delete icon. 2 Click Yes in response to the confirmation message. Document Stacking Templates Setting To Create a Document Stacking Template: 1 On the menu bar, click Encompass, and then click Settings. 2 On the left panel, click efolder Setup, and then click Document Stacking Templates. 3 In the Stacking Templates section, click the New icon, double-click the new template, and then type a name for the document stacking order template. Last Revised: January 15, 2013 Detailed Procedures 52

56 4 With the new stacking order selected, click the New icon in the documents section. Stacking Order and Document Selection When efolder files are sent to a lender, the efolder stacking order and the selection of documents highlighted on the Documents tab are maintained. To Send Files to a Lender: 1 On the efolder, click the Send button. 5 On the Update Document Stacking Template window, type a Description. 6 In the New Documents list, select a document, and then click the right Arrow icon to move the document to the New Stacking Order Template list. To reposition a document in the New Stacking Order Template list, select a document, and then click the Up and Down arrows. To remove a document from the set, select a document in the New Stacking Order Template list, and then click the Delete icon. 7 In the New Stacking Order Template list, select a check box in the Required column to indicate that an attachment is required for the document when it is sent to a borrower, lender, or partner. 8 Select the Display only the documents included in the stacking order check box to create a filtered stacking order, which displays only the documents in the stacking order when the stacking order is applied. Or clear the check box to display efolder documents that are not in the stacking order. These documents display in alphabetical order at the bottom of the list below the documents in the stacking order. 9 Click OK. 2 Click Send Files to Lender, select a lender, and then click Submit. When the Select Documents window opens, the stacking order template is already applied based on the selection in the efolder. And the documents highlighted on the efolder Documents tab are selected in the Select Documents window. Last Revised: January 15, 2013 Detailed Procedures 53

57 Visual Indicator for Stacking Order Files When a stacking order is used from the efolder Send button to send files to a borrower, lender, or third party, a visual indicator denotes documents that have no file attachments. To Use a Stacking Order with the Send Button: 1 On the efolder, click the Send button. 2 Click Send Files. Or, click Send Files to Lender, select a lender, and then click Submit. 3 When the Select Documents window opens, select a stacking order template, if not already selected. Documents display in pink when required documents do not have attachments. Documents display in yellow when optional files are not attached. NOTE: You will not be able to continue past this window if documents do not have required attachments. Background Conversion and Upload After your Encompass360 administrator has enabled the background conversion and upload option, users can continue working in Encompass360 while files are converted and uploaded into the efolder in the background. To Enable the Option: 1 On the menu bar, click Encompass, and then click Settings. 2 On the left panel, click efolder Setup, and then click Documents. 3 In the Options section at the bottom of the Documents setting, select the Queue Documents for Upload/Conversion check box. Working with the Background Conversion Option When the background conversion option is enabled, users can work in the efolder, in other areas of the loan file, in other loan files, or in other areas of Encompass360 while the files are being converted and uploaded. Files that are being uploaded display in the Document Details or File Manager window with a background conversion icon (a document with an hourglass). The same icon displays at the bottom of the Encompass360 application, next to the time and date. Users can click the icon at the bottom of the Encompass360 application to open the Background Converting window and view a list of files that are currently being converted and imported in the background. Last Revised: January 15, 2013 Detailed Procedures 54

58 When a user exits Encompass360 while a background conversion is running, the files are placed in a queue. The next time the user opens Encompass360, a popup message gives the user the option of continuing the background conversion, or stopping the conversion and deleting the files from the queue. 4 Select the Enable lock cancellation requests on Lock Request Form check box to allow lock cancellation request from the Lock Request Form tool. When the check box is selected, a Cancel Lock button is enabled on the Lock Request Form tool when a loan has a current lock that is not expired. 5 Make additional changes to the Product and Pricing setting as needed, and then click the Save icon. Request a Lock Cancellation When the administrator has enabled the lock cancellation feature for the Lock Request Form, the loan originator can request the cancellation of an existing lock. Lock Cancellation Process Administrators can now enable lock desk personnel to cancel an existing lock and enable loan originators to request that an existing lock be cancelled. When these features are enabled and a loan has a rate lock that has not expired, the loan originator can request a lock cancellation from the Lock Request Form tool, and the lock desk can cancel the lock from the Secondary Registration tool. Loan Log entries are created each time a cancellation request is made and each time a lock is cancelled. To Request a Lock Cancellation: 1 In the loan file, click the Tools tab on the lower-left, and then click Lock Request Form. 2 In the Rate Lock Request section, click the Cancel Lock button. Configure the Lock Cancellation Feature 1 On the menu bar, click Encompass, and then click Settings. 2 On the left panel, click Secondary Setup, and then click Product and Pricing. 3 In the Lock Cancellation section, select the Enable lock cancellation in Secondary Registration Tool check box to allow locks to be canceled from the Secondary Registration tool. When the check box is selected, the Cancel Lock button is enabled on the Secondary Registration tool when a loan has a current lock that is not expired.] Last Revised: January 15, 2013 Detailed Procedures 55

59 3 On the Cancellation Request window, type comments as needed, and then click the Request Cancellation button. 2 Click the Cancel Lock button. 3 Enter a comment as needed, and then click the Cancel Lock button. 4 Click OK when the confirmation message displays. A lock cancellation entry is added to the loan log. The lock canceled icon shows on the Pipeline. TQL Comments Changes have been made to the way comments are entered on the TQL Services tool and published to the investor. 4 Click OK when the confirmation window displays. 5 A window displays stating that you must save and exit the loan before the lock desk can process the request. Click Exit Loan to save and exit the loan. Click Keep Loan Open to continue working in the loan. To Enter and Publish Comments: 1 Open a loan in Encompass Click the Tools tab, and then click TQL Services. 3 Select an investor from the drop-down list at the top of the form. 4 To enter comments for the investor, click the New icon. Cancel a Lock The lock desk or other authorized secondary marketing personnel can cancel an existing lock from the Secondary Registration tool. To Cancel a Lock 1 In the loan file, click the Tools tab on the lower-left, and then click Secondary Registration. 5 Type comments, and then click OK. Last Revised: January 15, 2013 Detailed Procedures 56

60 Your comments display in the text field. Comments that have not been published to the investor are marked as (Not Published). 4 Select a check box to grant access to a user, or select or clear the check box at the top of the column to grant or deny access to all your users. NOTE: Comments are specific to the investor selected when the comment is entered, and will only be visible when that investor is selected from the list. 6 Click the Start Publishing to Investor button, and then click OK when the confirmation message displays. After you start publishing a loan file, your comments will be viewable by the investor in the TQL portal. After you exit a loan file that has been published to an investor, any new or changed comments will be visible to the investor. 7 To stop publishing to the investor, click the Stop Publishing to Investor button. The loan will still be visible to the investor on the secure website, but the publishing status will change to make the investor aware that updated loan information is no longer being published. 5 Click the entry in the CoreLogic Username column, and then enter the CoreLogic user name for the user. Valuation Service Setting Use the Valuation Service setting to give users permission to order Automated Valuation Model (AVM) reports from the TQL Services tool through the Correspondent Collateral Valuation Program (CCVP) provided by CoreLogic. CCVP reports provide an estimated value for single-family, condominium, townhouse, and planned unit development (PUD) properties. A loan must pass one of the two requested CCVP reports to be published to Citibank. NOTE: Before enabling users in the Valuation Service setting, your company must open an account with CoreLogic's CCVP program. Contact CoreLogic by at [email protected] to sign up for the program. To Enable Users: 1 On the menu bar, click Encompass, and then click Settings. 2 On the left panel, click Additional Services, and then click Valuation Service. 3 To narrow the list of users, select a persona from the list or type all or part of a user's name in the Enter Name field, and then click Search. Click Clear to clear the search criteria. NOTE: Each user accessing the valuation service is assigned a unique user name by CoreLogic.Contact CoreLogic at to acquire a user name for an Encompass360 user. 6 In the Company Information section, enter your company's BSC Customer Number from CoreLogic. NOTE: This BSC Customer Number may be different from the BSC Customer Number used for the Fraud Service. Contact your CoreLogic account representative for additional information. 7 When finished, click the Save icon. Last Revised: January 15, 2013 Detailed Procedures 57

61 Valuation Service Orders When publishing loans to Citibank via the TQL Services tool, use the Valuation Service Orders section on the TQL Services tool to order Automated Valuation Model (AVM) reports through the Correspondent Collateral Valuation Program (CCVP) provided by CoreLogic. CCVP reports provide an estimated value for single-family, condominium, townhouse, and planned unit development (PUD) properties. A loan must receive a successful CCVP report to be published to Citibank via the TQL Services tool. Ordering Reports When an order is submitted, a request is sent to CoreLogic for two CCVP reports: PASS - CoreLogic runs the PASS report first. If the PASS report returns a status of Pass, no additional reports are run and the loan can be submitted to Citibank via the TQL Services tool. If the PASS report returns a value of Fail, CoreLogic runs the HistoryPro Review report. HistoryPro Review - If the HistoryPro Review report returns a value of Pass, the loan can be submitted to Citibank via the TQL Services tool. If the HistoryPro Review report also returns a value of Fail, the loan cannot be submitted to Citibank via the TQL Services tool. When both reports return a status of Fail, a pop-up window displays and allows the user to select options for sending other valuation reports to Citibank outside the TQL Services tool. A user can submit a second request for CCVP reports from within the TQL Services tool, but if the second attempt also fails, no additional reports can be requested via the TQL Services tool. After two failed attempts, when a user clicks the Order button, the pop-up window displays for sending other valuation reports outside the TQL Services tool. 2 In the Valuation Service Orders section, click the Order button. 3 If required information is missing from the loan file, a pop-up window lists the fields and allows you to complete the missing information and place the order: To Order a CCVP Report: 1 Open a loan file, click the Tools tab, and then click TQL Services. To Complete the Missing Fields: 1 Select a field and click the Go To Field button. A form opens with the required filed highlighted. 2 Enter the missing data in the field. 3 Repeat the process for each missing field. 4 When finished, click the Refresh icon to return to the Valuation Service Order Details window. Last Revised: January 15, 2013 Detailed Procedures 58

62 4 On the Valuation Service Order Details window, on the Order Details tab, select an Appraisal Type and Appraisal Date. 5 On the Appraisal Comps Data tab, click the Add icon to add a comp for a similar property. 6 Complete information on the Appraisal Comp Data window, and then click OK. 7 Repeat steps 6-7 to add additional comps. CCVP permits a maximum of six comps per order. 8 When finished, click Order. 9 If the loan passes the CCVP report, click OK when the confirmation window displays. After an order has been submitted, an entry for the report order will display in the table at the top of the Valuation Service Orders section. Last Revised: January 15, 2013 Detailed Procedures 59

63 10 If both CCVP reports for the loan fail, a pop-up window allows you to agree to deliver an alternate report to Citibank outside the TQL Services tool by selecting the check box, selecting a report type from the drop-down list, and then clicking OK. You can then send the report to Citibank outside the TQL Services tool. Last Revised: January 15, 2013 Detailed Procedures 60

64 Encompass360 Release Notes Change Log This Change Log lists each release notes entry that has been added, deleted, or modified since the initial pre-release version of this document was published. Affected Entry Change Type: Update to entry Details: Additional details about the types of Encompass server updates that are available to install from the Version Manager have been added to the Encompass Server Update Enhancements entry on page 2 and in the Manage Encompass Server Updates detailed procedures on page 36. Change Type: New entry Details: An additional entry was added to the Important Announcements on page 1 regarding the installation of Microsoft.NET Framework 4: New Entry: *Microsoft.NET Framework 4 Installation If not already installed on your computer(s), Microsoft.NET Framework 4 will be installed during this Encompass360 upgrade. The.NET Framework 4 component is approximately 49MB, resulting in a much larger file size for this Winter 2012 release than a typical Encompass360 update. To reduce the amount of network resources and time it takes to download this release, consider installing.net Framework 4 on the affected computers before downloading the release. The Encompass360 installer will skip downloading.net Framework 4 for all computers where it has already been installed. Change Type: New entry Details: An additional entry was added to the Appraisal Service section starting on page 30. New Entry: Additional Appraisal Types Now Available When Ordering an Appraisal The following appraisal types have been added to the Appraisal Type drop-down list on the Order Appraisal window (Multi-unit Appraisal Form) 1007 (Rent Schedule) 216 (Operating Income Schedule) Authorized users can select one of these types to order when submitting an order request through the Appraisal service. Change Type: New Encompass Product and Pricing Service (EPPS) section added Details: A new Encompass Product and Pricing Service section with three entries was added starting on page 27. Date Change was Made 12/04/12 12/10/12 12/10/12 12/28/12 Last Revised: January 15, 2013 Encompass360 Release Notes Change Log 61

65 Change Type: New entry Details: An additional entry was added to the Form Updates section on page 11. New Entry: Update to the Additional Information References on the FACT Act Disclosure Forms On the FACT Act Disclosure output forms, the references for additional information about credit reports and consumer rights has been updated to refer the borrower to the Consumer Financial Protection Bureau's website. The affected forms include the Credit Score Disclosure Exception (Model H-3 and Model H-5), the Risk Base Pricing Notice (Model H-1 and Model H-6), and the Credit Score Not Available Model H-5. Change Type: New entries Details: Seven new entries were added to the Encompass Product and Pricing Service (EPPS) section beginning on page 27 to describe features that are included in an Encompass360 product update scheduled for release on January 17, Change Type: New entry Details: A new entry was added to the Update to Rate Locks section on page 26 to describe a feature that is schedule for release on January 17, New Entry: Buyside Lock Request Base Buy Price Displays Adjusted Pricing (Available January 17) When a lock extension is requested in Encompass360 or in the TPO WebCenter, the Adj. Buy Price field (field 3420) on the Secondary Lock tool now displays the value from the Base Buy Price (field 2101) from the Buy Side Lock Request column. Previously, the Base Buy Price (field 2161) from the Buy Side Lock and Pricing column displayed in the Adj. Buy Price field (field 3420). on to describe features that are included in an Encompass360 product update scheduled for release on January 17, Change Type: New entry Details: A new entry for update was added to page 35. New Entry: Updates to VA Verification of Benefit Output Form The VA Verification of Benefit output form has been updated to match the revised version of the form released by the U.S. Department of Veterans Affairs on December 5, Change Type: Additional details added. Details: Additional details regarding calculations in the MIP/PMI/Guarantee Fee Calculation window for USDA loans have been added to the New MIP/PMI/Guarantee Fee Calculation Window for USDA Loans instructions starting on page 40. Change Type: Additional information added. Details: The following note was added to the Support for SQL Server 2000 Has Ended announcement on page 1. NOTE: If you attempt to upgrade to Encompass 8.0 while running SQL Server 2000, you will receive a notification message informing you that the upgrade will not continue until you upgrade to SQL Server 2005 or later. Change Type: New entries added. Details: Three new entries regarding updates to the Appraisal Service were added to the Appraisal Service section starting on page 30. The new entries start on page /28/12 01/03/13 01/03/13 1/04/13 1/09/13 1/11/13 1/11/13 Last Revised: January 15, 2013 Encompass360 Release Notes Change Log 62

66 Change Type: New entry added. Details: The following new entry was added to the Title Service section starting on page 32. Users Can Now Re-Import Title Data and Documents as Needed (Available January 10, 2013) A new Re-import link is now provided in the Order Update column in the Title Order Status window. Use this link to re-import title data or documents that were previously imported but may be have been deleted from the loan file later. The Re-Import link displays for every title document that can be re-imported. If there is only title data to import (no documents) and the value in the loan file is the same as the value sent from the title agent, the Re-Import link is not displayed (since there is no need for the user to import matching data into the loan). In this data-only scenario, if the data in the loan file is ever changed to a value that differs from the values sent from the title agent, then the Re-Import link is displayed for the data. Change Type: Additional information added. Details: The following update was made to the Create and Manage Multiple Versions of the 4506 and 4506-T entry on page 7. As part of this enhancement, the 4506 and 4506-T forms are no longer available for use in the Data Templates, Print Form Groups, and the Loan Form Printing Business Rules tool in Encompass Settings. Since your loan file may now contain multiple versions of the 4506 or 4506-T input forms, these forms are no longer compatible with the Data Templates setting, as the setting relies on single field IDs on a form in order to populate the fields with template data. Since there are now a variable number of forms, they don't use standard field IDs and the Data Templates setting cannot be used to populate them. Change Type: Additional information added. Details: The following update was made to the Changes to the Printing Process for 4506 and 4506-T Output Forms entry on page 8. Since these forms now follow the printing process used for verification forms, the 4506 and 4506-T forms are no longer available for use in the Data Templates tool in Encompass Settings. Since your loan file may now contain multiple versions of the 4506 or 4506-T input forms, these forms are no longer compatible with the Data Templates setting, as the setting relies on single field IDs on a form in order to populate the fields with template data. Since there are now a variable number of forms, they no longer use standard field IDs and the Data Templates setting cannot be used to populate them Reminder: The 4506 and 4506-T forms are also no longer available for use in the Print Form Groups and Loan Form Printing Business Rules tools in Encompass Settings. The specific items that were removed from these tools are IRS4506-Copy Request Page 1, IRS4506-Copy Request Page 2, IRS4506T-Trans Request Page 1, and IRS4506T-Trans Request Page 2. 1/11/13 1/11/13 1/11/13 Last Revised: January 15, 2013 Encompass360 Release Notes Change Log 63

67 Change Type: New entry Added Details: The following new entry was added on page and 4506-T Items Removed From Data Templates, Print Form Groups, and Loan Form Printing Business Rules Tools The 4506 and 4506-T forms are no longer available for use in the Data Templates, Print Form Groups, and the Loan Form Printing Business Rules tools in Encompass Settings. The specific items that were removed from these tools are: Data Templates - Request for Copy of Tax Return, Request for Transcript of Tax NOTE: Since your loan file may now contain multiple versions of the 4506 or 4506-T input forms (refer to the Create and Manage Multiple Versions of the 4506 and 4506-T entry on page 8), these forms are no longer compatible with the Data Templates setting, as the setting relies on single field IDs on a form in order to populate the fields with template data. Since there are now a variable number of forms, they no longer use standard field IDs and the Data Templates setting cannot be used to populate them. Print Form Groups and Loan Form Printing Business Rules - IRS4506-Copy Request Page 1, IRS4506-Copy Request Page 2, IRS4506T-Trans Request Page 1, and IRS4506T-Trans Request Page 2 Use the Request for Copy of Tax Return and Request for Transcript of Tax input forms to create, view, and manage multiple versions of these forms. Change Type: New entry Added Details: The following new entry was added to the Update section on page 35. Issue When Importing DU Files Through the Encompass360 SDK Resolved An issue occurred for some users when importing a Fannie Mae Desktop Underwriter (DU) file through the Encompass360 SDK, where the Purchase Price field (field ID 136) in Encompass360 was populated with the loan amount if the purchase price was not specified in the DU file. This issue has been resolved and the Purchase Price field is not populated if the purchase price is not specified in the DU file. 1/11/13 1/11/13 Last Revised: January 15, 2013 Encompass360 Release Notes Change Log 64

68 Change Type: Important Announcement updated Details: Previously there were two sections on page 1 discussing Microsoft.NET Framework 4 and the requirement to install it on all end user workstations prior to upgrading to the Encompass release. These two sections have been modified and merged into one entry. In addition, instructions for downloading Microsoft.NET Framework 4 from Microsoft's website were added to page 36 in the Detailed Procedures. New Entry: Encompass360 Now Using Microsoft.NET Framework 4 (Required) Encompass360 now uses the Microsoft.NET Framework 4 programming framework. Previously,.NET Framework 2.0 was used. If not already installed on your company's end user workstations, Microsoft.NET Framework 4 must be installed on these workstations before updating to Encompass For instructions for downloading Microsoft.NET 4.0 from Microsoft's website, click here. NOTE: After.NET Framework 4 is installed, restart your computer. You can then resume the installation from the installation download link. For developers using the Encompass360 Software Development Kit (SDK) to integrate your existing back office applications with your Encompass360 system, please note that the EncompassAutomation API and EncompassObjects API are now both implemented using Microsoft.NET Framework 4. All projects that use the Encompass API must be written using a.net Framework 4-compatible language and development environment. Refer to the SDK Programmer s Guide for detailed instructions, including how to upgrade your existing applications to be compatible with the Winter 2012 release. 1/15/13 Previous Entries: Encompass360 Now Using Microsoft.NET Framework 4 Encompass360 now uses the Microsoft.NET Framework 4 programming framework. Previously,.NET Framework 2.0 was used. When upgrading to Encompass from versions 7.0 or later,.net Framework 4 is automatically downloaded to your computer during the Encompass installation. NOTE: After.NET Framework 4 is installed, you will be prompted to restart your computer. For most users, the Encompass360 installation will resume after the computer restarts. If the installation does not resume automatically, you can resume the installation from the installation download link. For developers using the Encompass360 Software Development Kit (SDK) to integrate your existing back office applications with your Encompass360 system, please note that the EncompassAutomation API and EncompassObjects API are now both implemented using Microsoft.NET Framework 4. All projects that use the Encompass API must be written using a.net Framework 4-compatible language and development environment. Refer to the SDK Programmer s Guide for detailed instructions, including how to upgrade your existing applications to be compatible with the Winter 2012 release. *Microsoft.NET Framework 4 Installation If not already installed on your computer(s), Microsoft.NET Framework 4 will be installed during this Encompass360 upgrade. The.NET Framework 4 component is approximately 49MB, resulting in a much larger file size for this Winter 2012 release than a typical Encompass360 update. To reduce the amount of network resources and time it takes to download this release, consider installing.net Framework 4 on the affected computers before downloading the release. The Encompass360 installer will skip downloading.net Framework 4 for all computers where it has already been installed. Last Revised: January 15, 2013 Encompass360 Release Notes Change Log 65