Encompass Workflow - Conventional Resub, Send to MI and approval

Kristen Snethen
250 steps
24 minutes

Encompass

Windows Explorer

SnippingTool.exe

Adobe Acrobat

Double-click here to select the file to review

Click here to open the efolder and review conditions

Click "Conditions"

Click here to sort by disposition, you can also sort by status, prior to or date

Double-click here

If we need to update the condition, set status back to added, if the condition can be cleared, select cleared

Click "Document Receipt Date"

Update the Description

Click "Internal ID"

Click "Close"

Click "Close" If the file needs returned to LO continue, otherwise skip to step 19

Click "Tools" If you need to send the file back

Click "Underwriter Summary"

Click "2985: The name of the underwriter who recommended suspending approval of the loan." Update to suspend if the file needs suspended, otherwise you can leave approved

Click "2303: The date the underwriter's approval was suspended."

Click "Forms"

Click "Underwriting Additional Information"

Click "Resubmission 2:"

Click "Close" If the file is ready to send to MI or for final approval

Click "Services"

Click "Fraud/Audit Services"

Click "DataVerify DRIVE (EPC)"

Click "Submit"

Click here

Click here once all conditions are cleared and update the order

Click here

Click "Close"

Click "Forms"

Click "Show All"

Click "1003 URLA - Lender" Go through all pages of the URLA like you would in mbot, updating taxes, insurance, income etc.

Click "230: The proposed/estimated monthly hazard insurance premium. Click the Edit icon (if available) to calculate the value."

Click here

Double-click "1006 Flood Insurance"

Click "OK"

Click here

Click "4795"

Click "L128: The amount of deposit or earnest money paid by the borrower when the offer was accepted."

Click "1003 URLA Continuation"

Click "1003 URLA Part 1"

Click "1003 URLA Part 2"

Click "FE0119: The borrower's current monthly base pay."

Click "1003 URLA Part 3"

Click "DD0148: The cash or market value of the account."

Click "DD0248: The cash or market value of the account."

Click "URLAROA0103: The cash or market value of the asset."

Click "Show all VOL"

Click "Close"

Click "1003 URLA Part 4"

Click "URLARGG0121"

Click "2015 Itemization"

Click "NEWHUD2.X4640: The portion of the fee paid by the borrower, unless a different payer is selected in the Paid By column. This amount is not inclu..." This is where we add fees to the file to increase our cash to close, remember to remove before final approval to not make more work for the closers

Click here

Click "Services"

Click "Underwriting"

Click "Freddie Mac's Loan Product Advisor System to System"

Click "Submit"

Click here

Click "Maximize"

Click "Close"

Click "Forms"

Click "1003 URLA Part 3"

Click "1008"

Click "136: The purchase price of the subject property."

Click "356: The appraised value of the subject property."

Click here

Click "One Unit Residential Appraisal Field Review Report"

Click "Community Lending / Affordable Housing Initiative"

Click here

Click "Homeowner education completed"

Click "1216: Comments from the underwriter related to any of the underwriting information."

Click here

Click "Print to File"

Click "‎Underwriting"

Click "Name"

Click "File name:"

Click "OK"

Click here

Click "Tools"

Click "AUS Tracking"

Double-click "Select two reports with a Type of 'Freddie Mac' to view any data differences."

Click "AUS Snapshot"

Click "Name"

Click "Underwriting - AUS (LP-DU) Final Findings" Compare to the 1008 we printed, if they match move to final folder, if they don't correct and redo previous steps as needed

Click here

Click "Close"

Click "Forms"

Click "Underwriting Additional Information" This is part of our final approval, we will match this to the other final approval later

Click "CX.UNDER.CASH"

Click "CX.ADDITIONAL.FUNDS"

Click here

Click "Yes"

Double-click "CX.UAI.CREDITEX"

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Click here

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Click "Close"

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Click here

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Click here

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Click "CoreInput" We take a screen shot of this to upload and reference later

105

Click "Snipping Tool Overlay"

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Print this screen shot to a PDF to upload later, save as you see fit.

107

Click here

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Click "Conditions" We are going to add any PTFs for the other final approval

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Click here

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Click here

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Click "Condition Set"

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Click "OK"

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Click "All Conditions"

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Click "closing conditions set" These are all the informational PTFs from the old final approval

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Click "Add All >"

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Click here

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Click "< Remove"

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Click "Add"

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Double-click here

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Click "Source"

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Press [[Ctrl]] + [[A]]

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Press [[Ctrl]] + [[C]]

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Click "Internal ID"

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Press [[Ctrl]] + [[A]]

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Press [[Ctrl]] + [[V]]

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Click "Maximize"

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Click "Encompass eFolder" Add any underwriting PTFs as the appropriate PTF options like you would a PTC condition, there is a generic if a specific doesn't exist.

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Click "Close"

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Click here

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Double-click here

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Click here

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Click "Add >"

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Click "Add to eFolder"

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Click here

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Click here, upload your 1008 along with any other final documents

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Click "Select a file above and drag it to a document below"

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Click "OK"

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Click "Name"

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Click "Underwriting - Approval Final"

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Click here

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Click here

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Click "Assign"

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Click "Close"

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Click "Select a file above and drag it to a document below"

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Click "OK"

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Click "Name"

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Click "Underwriting - Approval Final"

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Click here

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Click here

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Click here

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Click "Assign"

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Click "Close"

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Click "Select a file above and drag it to a document below" At this point we are going to go through the file manager and merge any duplicate folders or remove any documents not required for our final file.

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Click "Select a file above and drag it to a document below"

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Click "Select a file above and drag it to a document below"

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Click "Select a file above and drag it to a document below"

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Click "Select a file above and drag it to a document below"

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Click "Select a file above and drag it to a document below"

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Click "Select a file above and drag it to a document below"

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Click "Select a file above and drag it to a document below"

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Click "Select a file above and drag it to a document below"

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Click here

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Click here

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Click "Assign"

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Click "Select a file above and drag it to a document below"

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Click "OK"

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Click "Name"

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Click "Soft Pull"

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Click here

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Click here

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Click here

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Click "Assign"

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Click "Close"

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Click here

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Click here

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Click here

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Click "Close" Once file manager is updated you can close and go back to forms

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Click "HMDA Information"

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Click here

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Click "Close"

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Click "1. Equifax Beacon 5.0"

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Click here

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Click "2. Loan Prospector (LP)"

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Click here

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Click "18. Accept/Eligible"

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Click "2015 Itemization"

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Click "NEWHUD2.X4640: The portion of the fee paid by the borrower, unless a different payer is selected in the Paid By column. This amount is not inclu..." remove the fee we added earlier so we do not forget

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Click here

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Click here

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Click "Easy Data Entry"

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Click "Remove eFolder Duplicates"

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Click "OK"

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Click here

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Click here

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Click "Tools"

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Click "MI Center" Skip to step 239 if there is no MI

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Click here

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Click here

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Click here

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Click here

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Click here

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Click here Select all documents to send to MI

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Click here

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Click here

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Click here

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Click here

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Click here

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Click here

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Click "Close"

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Click here

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Click here

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Click "Underwriter"

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Click here

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Click "OK"

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Click "Finished"

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Click here

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Click "Close"

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Click "Borrowers"

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Click "Yes"

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Click "Close"

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Double-click here Once we have heard back from MI

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Click here

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Click "Conditions"

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Click "Documents"

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Click "File Manager"

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Click "Select a file above and drag it to a document below"

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Click "OK"

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Click "Name"

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Click "Mortgage Insurance - Final Certificate"

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Click here

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Click here

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Click "Assign"

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Click "Close"

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Click "Close"

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Click here

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Click "Forms"

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Click "Underwriting Additional Information"

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Click "CX.MI.POLICYNUMBER"

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Click here

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Click here

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Double-click "//"

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Click "12/19/2025"

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Click here

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Click "Loan Processor"

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Click here

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Click "OK"

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Click "Finished"

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Click here

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Click "Close"

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Click "Close"

Encompass Workflow - Conventional Resub, Send to MI and approval

Kristen Snethen
250 steps
24 minutes

Encompass

Windows Explorer

SnippingTool.exe

Adobe Acrobat

Double-click here to select the file to review

Click here to open the efolder and review conditions

Click "Conditions"

Click here to sort by disposition, you can also sort by status, prior to or date

Double-click here

If we need to update the condition, set status back to added, if the condition can be cleared, select cleared

Click "Document Receipt Date"

Update the Description

Click "Internal ID"

Click "Close"

Click "Close" If the file needs returned to LO continue, otherwise skip to step 19

Click "Tools" If you need to send the file back

Click "Underwriter Summary"

Click "2985: The name of the underwriter who recommended suspending approval of the loan." Update to suspend if the file needs suspended, otherwise you can leave approved

Click "2303: The date the underwriter's approval was suspended."

Click "Forms"

Click "Underwriting Additional Information"

Click "Resubmission 2:"

Click "Close" If the file is ready to send to MI or for final approval

Click "Services"

Click "Fraud/Audit Services"

Click "DataVerify DRIVE (EPC)"

Click "Submit"

Click here

Click here once all conditions are cleared and update the order

Click here

Click "Close"

Click "Forms"

Click "Show All"

Click "1003 URLA - Lender" Go through all pages of the URLA like you would in mbot, updating taxes, insurance, income etc.

Click "230: The proposed/estimated monthly hazard insurance premium. Click the Edit icon (if available) to calculate the value."

Click here

Double-click "1006 Flood Insurance"

Click "OK"

Click here

Click "4795"

Click "L128: The amount of deposit or earnest money paid by the borrower when the offer was accepted."

Click "1003 URLA Continuation"

Click "1003 URLA Part 1"

Click "1003 URLA Part 2"

Click "FE0119: The borrower's current monthly base pay."

Click "1003 URLA Part 3"

Click "DD0148: The cash or market value of the account."

Click "DD0248: The cash or market value of the account."

Click "URLAROA0103: The cash or market value of the asset."

Click "Show all VOL"

Click "Close"

Click "1003 URLA Part 4"

Click "URLARGG0121"

Click "2015 Itemization"

Click here

Click "Services"

Click "Underwriting"

Click "Freddie Mac's Loan Product Advisor System to System"

Click "Submit"

Click here

Click "Maximize"

Click "Close"

Click "Forms"

Click "1003 URLA Part 3"

Click "1008"

Click "136: The purchase price of the subject property."

Click "356: The appraised value of the subject property."

Click here

Click "One Unit Residential Appraisal Field Review Report"

Click "Community Lending / Affordable Housing Initiative"

Click here

Click "Homeowner education completed"

Click "1216: Comments from the underwriter related to any of the underwriting information."

Click here

Click "Print to File"

Click "‎Underwriting"

Click "Name"

Click "File name:"

Click "OK"

Click here

Click "Tools"

Click "AUS Tracking"

Double-click "Select two reports with a Type of 'Freddie Mac' to view any data differences."

Click "AUS Snapshot"

Click "Name"

Click "Underwriting - AUS (LP-DU) Final Findings" Compare to the 1008 we printed, if they match move to final folder, if they don't correct and redo previous steps as needed

Click here

Click "Close"

Click "Forms"

Click "Underwriting Additional Information" This is part of our final approval, we will match this to the other final approval later

Click "CX.UNDER.CASH"

Click "CX.ADDITIONAL.FUNDS"

Click here

Click "Yes"

Double-click "CX.UAI.CREDITEX"

100

Click here

101

Click "Close"

102

Click here

103

Click here

104

Click "CoreInput" We take a screen shot of this to upload and reference later

105

Click "Snipping Tool Overlay"

106

Print this screen shot to a PDF to upload later, save as you see fit.

107

Click here

108

Click "Conditions" We are going to add any PTFs for the other final approval

109

Click here

110

Click here

111

Click "Condition Set"

112

Click "OK"

113

Click "All Conditions"

114

Click "closing conditions set" These are all the informational PTFs from the old final approval

115

Click "Add All >"

116

Click here

117

Click "< Remove"

118

Click "Add"

119

Double-click here

120

Click "Source"

121

Press [[Ctrl]] + [[A]]

122

Press [[Ctrl]] + [[C]]

123

Click "Internal ID"

124

Press [[Ctrl]] + [[A]]

125

Press [[Ctrl]] + [[V]]

126

Click "Maximize"

127

Click "Encompass eFolder" Add any underwriting PTFs as the appropriate PTF options like you would a PTC condition, there is a generic if a specific doesn't exist.

128

Click "Close"

129

Click here

130

Double-click here

131

Click here

132

Click "Add >"

133

Click "Add to eFolder"

134

Click here

135

Click here, upload your 1008 along with any other final documents

136

Click "Select a file above and drag it to a document below"

137

Click "OK"

138

Click "Name"

139

Click "Underwriting - Approval Final"

140

Click here

141

Click here

142

Click "Assign"

143

Click "Close"

144

Click "Select a file above and drag it to a document below"

145

Click "OK"

146

Click "Name"

147

Click "Underwriting - Approval Final"

148

Click here

149

Click here

150

Click here

151

Click "Assign"

152

Click "Close"

153

154

Click "Select a file above and drag it to a document below"

155

Click "Select a file above and drag it to a document below"

156

Click "Select a file above and drag it to a document below"

157

Click "Select a file above and drag it to a document below"

158

Click "Select a file above and drag it to a document below"

159

Click "Select a file above and drag it to a document below"

160

Click "Select a file above and drag it to a document below"

161

Click "Select a file above and drag it to a document below"

162

Click here

163

Click here

164

Click "Assign"

165

Click "Select a file above and drag it to a document below"

166

Click "OK"

167

Click "Name"

168

Click "Soft Pull"

169

Click here

170

Click here

171

Click here

172

Click "Assign"

173

Click "Close"

174

Click here

175

Click here

176

Click here

177

Click "Close" Once file manager is updated you can close and go back to forms

178

Click "HMDA Information"

179

Click here

180

Click "Close"

181

Click "1. Equifax Beacon 5.0"

182

Click here

183

Click "2. Loan Prospector (LP)"

184

Click here

185

Click "18. Accept/Eligible"

186

Click "2015 Itemization"

187

188

Click here

189

Click here

190

Click "Easy Data Entry"

191

Click "Remove eFolder Duplicates"

192

Click "OK"

193

Click here

194

Click here

195

Click "Tools"

196

Click "MI Center" Skip to step 239 if there is no MI

197

Click here

198

Click here

199

Click here

200

Click here

201

Click here

202

Click here Select all documents to send to MI

203

Click here

204

Click here

205

Click here

206

Click here

207

Click here

208

Click here

209

Click "Close"

210

Click here

211

Click here

212

Click "Underwriter"

213

Click here

214

Click "OK"

215

Click "Finished"

216

Click here

217

Click "Close"

218

Click "Borrowers"

219

Click "Yes"

220

Click "Close"

221

Double-click here Once we have heard back from MI

222

Click here

223

Click "Conditions"

224

Click "Documents"

225

Click "File Manager"

226

Click "Select a file above and drag it to a document below"

227

Click "OK"

228

Click "Name"

229

Click "Mortgage Insurance - Final Certificate"

230

Click here

231

Click here

232

Click "Assign"

233

Click "Close"

234

Click "Close"

235

Click here

236

Click "Forms"

237

Click "Underwriting Additional Information"

238

Click "CX.MI.POLICYNUMBER"

239

Click here

240

Click here

241

Double-click "//"

242

Click "12/19/2025"

243

Click here

244

Click "Loan Processor"

245

Click here

246

Click "OK"

247

Click "Finished"

248

Click here

249

Click "Close"

250

Click "Close"