Quick Reference Guides
Jun 30, 2026
2
| Quick Reference Guides Quick Reference Guides are one-page, easy-to-follow workflows of common tasks and processes in Encompass. Loan Processing Encompass Loan Templates Save time and ensure accuracy by creating loan templates for frequently used loan scenarios. Templates are used to populate preconfigured data and associate sets of documents with a particular type of loan. 2015 RESPA-TILA Workflow Follow the workflow to complete documents affected by the 2015 RESPA-TILA regulations effective Oct 1, 2015. Fee Details Window Use the Fee Details window to enter or edit detailed information about the fees entered on the 2015 Itemization input form. 2010 RESPA Workflow Follow the workflow to complete documents affected by the RESPA regulations that went into effect on January 1, 2010. Recommended Workflow for REGZ-TIL Data Follow the workflow in this guide to ensure that the data in your loan file populates correctly on the REGZ-TIL output forms. 2015 Disclosure Tracking Tool Use the 2015 Disclosure Tracking tool to follow disclosure timelines, tracking dates, history, and the latest disclosure details for loans using the 2015 RESPA-TILA forms. Here you can log the Loan Estimate, Closing Disclosure, and other disclosures and follow the timelines and tracking dates to stay compliant with RESPA-TILA regulations. 2010 Disclosure Tracking Tool Use the 2010 Disclosure Tracking tool to follow disclosure timelines, tracking dates, history, and the latest disclosure details for loans using the 2010 RESPA form. Here you can log GFE, REGZ-TIL, and other disclosures and follow the timelines and tracking dates to stay compliant with RESPA regulations and MDIA provisions. Non-Borrowing Owners Beginning with Encompass 18.3, a new workflow is being used to add non-borrowing owners (for example, title-only spouses) to loans as non-borrowing owner file contacts. Adding a non-borrowing owner file contact automatically populates vesting information for the contact on the Borrower Information Vesting input form and places the non-borrowing owner in the correct workflow when generating disclosures and closing documents. Settlement Service Provider List Use the Settlement Service Provider List in Encompass to add up to 30 providers to provide to your borrowers when the loan is disclosed. You can enter providers manually or create templates of predefined providers that you can apply to the form. Construction-Only Loans Construction-only loans are typically short-term in nature, requiring interest-only payments during the construction of a residential building, with final payment due when construction or improvements are complete. Construction-to-Permanent Loans - Blended Disclosures Construction-to-permanent loans finance the construction of a residential building and then transition into a permanent loan when the construction phase is complete. Blended disclosures involve sending disclosure packages that include a single Loan Estimate that combines the construction and permanent phases of the loan, and a single Closing Disclosure that combines the construction and permanent phases of the transaction.. Construction Loans in Construction-to-Permanent Loans - Separate Disclosures Construction-to-permanent loans finance the construction of a residential building and transition into a permanent loan when the construction phase is complete. Separate disclosures involve sending disclosure packages that include two Loan Estimates (one for the construction-only phase and one for the permanent phase) and two Closing Disclosures (one for the construction-only phase and one for the permanent phase). Processing FHA 203b Loans Encompass provides a comprehensive set of tools and forms for FHA 203b loans. This guide describes the required entries for a 203b FHA loan. Processing FHA 203(k) Purchase Loans Encompass provides a comprehensive set of tools and forms for FHA 203(k) loans. This guide describes the required entries for a 203(k) FHA purchase loan. Processing FHA 203(k) Refinance Loans Encompass provides a comprehensive set of tools and forms for FHA 203(k) loans. This guide describes the required entries for a 203(k) FHA refinance loan. Processing USDA Loans Encompass provides a comprehensive set of tools and forms for originating USDA loans. This guide describes the recommended workflow and the USDA-specific entries on each form. Processing Piggyback HELOC Loans This guide describes the workflow for processing a piggyback HELOC loan that is completed at the same time as a primary (or 1st) loan for a subject property, including how to create and link the primary and HELOC loan files, and to enter and synchronize data across the files. . Connecting to Partners Electronically The ICE Mortgage Technology Partner Network transaction platform allows you to order and receive services electronically by selecting from a comprehensive list of online lenders and service providers. Ordering Title & Closing Services The Encompass Title & Closing Center enables Encompass users to order title reports electronically from providers who are not in the Encompass default directory. Users may also order from providers outside of the ICE Mortgage Technology Partner Network. Ordering Appraisals from Encompass The Encompass Appraisal Service enables Encompass users to order appraisals electronically from providers, and then import the completed appraisal report directly into their Encompass loan file. The Closing Process Encompass lets you audit, order, and receive closing documents using a single source of information, without leaving Encompass. After closing documents are returned, the closer can view, print, and send the document package. Setting Up HMDA 2018 Data Collection This guide describes how Encompass administrators configure the process for collecting HMDA demographic information used in HMDA reports for loans with a disposition in 2018. Create and Submit a HMDA Report Create a HMDA report within Encompass and then submit the report to the appropriate processing agency. Broker Tracking of Wholesale Lender Loan Numbers Brokers working with wholesale lenders can track specific loans by entering the wholesale lender loan number in the Reference Number field on the Borrower Summaryrigination input form, adding the field to the Encompass Reporting Database, and then including the field in a custom view or report. Managing Documents Electronically Managing Documents Electronically (Banker Edition) Use the Encompass eFolder to manage all the electronic documents and conditions associated with a loan. Managing Documents Electronically (Broker Edition) Use the Encompass eFolder to manage electronic documents and conditions associated with a loan. Sending Initial Disclosures Use the eDisclosures feature to create electronic disclosure packages and send them to your borrowers. Your borrowers are notified by email that disclosure documents are available in the ICE Mortgage Technology Loan Center or Encompass Consumer Connect websites, where borrowers can access them. Status Online Status Online lets you publish loan status updates to a secure website where borrowers and partners can see them. Use the Company Status Online Personal Status Online settings in Encompass to set up email templates to use for these status updates. Working with Electronic Documents & eSigning This quick reference guide provides step-by-step instructions for your borrower to retrieve electronic disclosure documents from the Loan Center or Encomass Consumer Connect websites, and then eSign and return them. Uploading documents to the websites and viewing status updates are also discussed. ATR/QM Tracking for eFolder Documents Quickly tag eFolder documents to track for ability-to-repay and qualified mortgage (ATR/QM) compliance issues. Entries for these documents are added to the Verification and Documentation Tracking tool, where all ATR/QM-related documents can be easily monitored from one location. Contact Management Learn how to access and manage your borrower and business contacts in Encompass. Managing Marketing Campaigns with Encompass The Campaign Management capabilities in Encompass make it easy to create and manage marketing campaigns to acquire new leads or maintain communication with existing contacts. Banker Topics Troubleshooting User Access Issues This guide describes the most likely solutions for commonly encountered user access issues involving resources, settings, user interface features, files, and folders in Encompass Banker Edition. Loan Originator (LO) Compensation Tool Encompass Banker Edition provides administrative settings for creating and assigning LO compensation plans and an LO Compensation tool that enables authorized users to view and manage the compensation being paid, to whom, and how it is being documented in the loan file. Rate Lock Requests Encompass Banker Edition provides a set of tools and features for requesting and managing rate locks. Use these to search for and review rate lock requests, enter lock and pricing details, and enter lock rates. The Underwriting Process in Encompass Encompass includes a set of tools and features that supports the requirements of the underwriting process, enabling the underwriter and loan processor to exchange information and easily work together to complete the underwriting process. Interim Servicing and Purchase Advice Track transactions and payments for loans that are being sold to investors. Creating and Using Business Rules Use the various types of business rules to define and manage business requirements that must be met by Encompass users as they move loans through the process. Trade Management: Setup Set up investor templates, SRP pricing templates, and adjustment templates that can be applied to trades and pools, and create master contracts that allow you to manage contracts made with investors for the delivery of loan trades. Trade Management: Search for Loans Use the Trade Management feature to search for loans that can be assigned to loan trades and MBS pools. Trade Management: Loan Trades Use the Trade Management feature to create loan trades and assign loans to loan trades. Trade Management: Security Trades Use the Trade Management feature to create security trades and assign loan trades to security trades. Trade Management: Correspondent Trades Use the Trade Management feature to create correspondent trades, assign loans to correspondent trades, and assign correspondent trades to correspondent master commitments. Trade Management: MBS Pools Use the Trade Management feature to create MBS Pools and assign loans to MBS Pools. Configure Access to EPPS Loan Summary Documents Configure the settings in Encompass and the Encompass Product and Pricing Service (EPPS) to specify which users have access to EPPS loan summary documents. |
