Encompass Workflow - FHA Resub and Final Approval
Kristen Snethen
270 steps
20 minutes
Encompass
Microsoft Edge
SnippingTool.exe
Windows Explorer
Scribe for Windows
Adobe Acrobat
1
Select and open the file to be reviewed
2
Click here
3
Click "Conditions"
4
Click here
5
Review all conditions with a red disposition and a status other then Added.
6
If updates to the condition are required, set the status back to added and updated the description
7
Click "Source"
8
Click "Source" to update the internal and external description
9
Click "Document Receipt Date"
10
If the condition is good, select cleared and close
11
Click "Close" once all conditions have been reviewed, if this needs to go back to the borrower continue bellow, if it's ready for final approval skip to step 31
12
Click "Tools" If the file needs suspended, update the summary in the tools section, if it's still approved with conditions skip to step 24
13
Click "Underwriter Summary"
14
Triple-click "2984: The name of the underwriter who recommended approval of the loan."
15
Press [[Backspace]]
16
Triple-click "2301: The date the underwriter recommended approval of the loan."
17
Click "2985: The name of the underwriter who recommended suspending approval of the loan."
18
Triple-click "2985: The name of the underwriter who recommended suspending approval of the loan."
19
Click "Forms"
20
Click "Show All"
21
Click "Underwriting Additional Information"
22
Click "Resubmission 1:"
23
Click "Resubmission 1:"
24
Click here
25
Click here
26
Click "Finished"
27
Save and Exit the file.
28
Click "Close"
29
Click "Forms"
30
Click "Show All"
31
Click "1003 URLA - Lender"
32
Click "356: The appraised value of the subject property."
33
Click here
34
Click "230: The proposed/estimated monthly hazard insurance premium. Click the Edit icon (if available) to calculate the value."
35
Click here
36
Click "Cancel"
37
Click "233: The proposed/estimated monthly homeowner's association dues."
38
Click here
39
Click "OK"
40
Click here
41
Click "4795"
42
Click "L128: The amount of deposit or earnest money paid by the borrower when the offer was accepted."
43
Click "1003 URLA Part 1"
44
Click "1003 URLA Part 3"
45
Click "FE0119: The borrower's current monthly base pay."
46
Click "1003 URLA Part 3"
47
Click "DD0148: The cash or market value of the account."
48
Click "URLAROA0203: The cash or market value of the asset."
49
Click "URLAROA0203: The cash or market value of the asset."
50
Click "Show all VOL"
51
Click "Minimize"
52
Click here
53
Click here
54
Click here
55
Double-click here
56
Click "Close"
57
Click here
58
Click "S"
59
Click "1003 URLA Part 4"
60
Click "URLARGG0121" Gifts and FHLB go here, same as Mbot
61
Click "Services"
62
Click "Underwriting"
63
Click "Fannie Mae DU on ePASS"
64
Click "Submit"
65
Click "Submit to DU on ePASS"
66
Click "Submit"
67
Click here
68
Click "Close"
69
Click "Loan"
70
Click "Forms"
71
Click "2015 Itemization"
72
Click "NEWHUD2.X4640: Add fees here to increase closing costs to increase cash to close
73
Click "HUD-56001 Property Improvement"
74
Click "HUD-928005b Conditional Commitment"
75
Click "Conditional Commitment under Act"
76
Click "See Below (Appraisal done)"
77
Click "3030: The CHUMS ID number of the DE underwriter who reviewed the appraisal for the loan. The CHUMS ID number is an alphanumeric approval code as..."
78
Click here
79
Click "Existing Construction"
80
Double-click "1068: The issue date of the loan commitment."
81
Click "Eligible for high loan to value ratio"
82
Click here
83
Click "Close"
84
Click here
85
Click "Print to File"
86
Click "File name:" Save to where ever and however you do files.
87
Click "Save"
88
Click "OK"
89
Click "HUD-92900LT FHA Loan Transmittal"
90
Click "Family"
91
Click "3015: The dollar amount of the gift provided by the source listed above."
92
Click "3009: The name or the EIN (Employee Identification Number, also known as the Federal Tax Identification Number) for the source of the gift funds..."
93
Click "No"
94
Click "980: The CHUMS ID number of the underwriter who performed the AUS or manual review (credit review). The CHUMS ID number is an alphanumeric appro..."
95
Click here
96
Click "Equity On Sold Property"
97
Click "135: The total amount contributed by the seller."
98
Click "No"
99
Click "A/A"
100
Click "1216: Comments from the underwriter related to any of the underwriting information."
101
Click here
102
Click "Close"
103
Click here
104
Click "Print to File"
105
Click "Services"
106
Click "Fraud/Audit Services"
107
Click "DataVerify DRIVE (EPC)"
108
Click "Submit"
109
Click "Underwriting"
110
Click "Submit"
111
Click "Submit to DU on ePASS"
112
Click "Submit"
113
Click here
114
Click "Close"
115
Click "Loan"
116
Click "Tools"
117
Click "AUS Tracking"
118
Double-click "Select two reports with a Type of 'Freddie Mac' to view any data differences."
119
Click "AUS Snapshot"
120
Click "Name"
121
Click "Underwriting - AUS (LP-DU) Final Findings"
122
Click "Document Details (Underwriting - AUS (LP-DU) Final Findings)"
123
Click "Close"
124
Click "Forms"
125
Click "Underwriting Additional Information"
126
Triple-click "CX.UAI.CREDITEX"
127
Triple-click "CX.UAI.APPRS.EX"
128
Click here
129
Click "CX.PTFCOND1"
130
Click "CX.PTFCOND1"
131
Click here
132
Click "CoreInput"
133
Click "Snipping Tool"
134
Click "Snipping Tool Overlay"
135
Press [[Ctrl]] + [[P]]
136
Click "Print"
137
Double-click "Name"
138
Click here
139
Click "Conditions"
140
Click here
141
Click here
142
Click "Condition Set"
143
Click "OK"
144
Click "All Conditions"
145
Click "closing conditions set"
146
Click "Add All >"
147
Click here
148
Click "< Remove" to remove any that are not needed
149
Click "Source"
150
Press [[Space]]
151
Click "Internal ID" complete PTFS same as conditions, including adding an non-generic
152
Click "Close"
153
Click here
154
Right click here
155
Click "DropDown"
156
Click "Yes" Delete any that were added and not needed
157
Click "CX.PTFCOND1"
158
Press [[Ctrl]] + [[A]]
159
Press [[Ctrl]] + [[C]]
160
Click here
161
Click "Conditions"
162
Click here
163
Click "Condition Set"
164
Click "Conditions List"
165
Click "OK"
166
Click here
167
Click here
168
Press [[Tab]]
169
Click here
170
Click "Add"
171
Click "Source"
172
Press [[Ctrl]] + [[V]]
173
Click "Internal ID"
174
Press [[Ctrl]] + [[V]]
175
Click "Close"
176
Click "Close"
177
Click "HMDA Information"
178
Click here
179
Click here
180
Click "2. Experian Fair Isaac"
181
Click here
182
Click "1. Desktop Underwriter (DU)"
183
Click here
184
Click "1. Approve/Eligible"
185
Click here
186
Click "Close"
187
Click here
188
Double-click here
189
Click here
190
Click "Add >"
191
Click "Add to eFolder"
192
Click "Select a file above and drag it to a document below"
193
Click "Select a file above and drag it to a document below"
194
Click "Select a file above and drag it to a document below"
195
Click "Select a file above and drag it to a document below"
196
Click "Select a file above and drag it to a document below"
197
Click here
198
Click here
199
Click here
200
Click "Select a file above and drag it to a document below" Combine and clear all buckets so file is clean to send to the investor
201
Click "Select a file above and drag it to a document below"
202
Click here
203
Click "Select a file above and drag it to a document below"
204
Click "OK"
205
Click "Name"
206
Click "HUD-92900-LT FHA Loan Transmittal"
207
Click here
208
Click here
209
Click "Assign"
210
Click "Close"
211
Click "Select a file above and drag it to a document below"
212
Click "OK"
213
Click "Name"
214
Click "HUD Conditional Commitment"
215
Click here
216
Click here
217
Click "Assign"
218
Click "Close"
219
Click "Select a file above and drag it to a document below"
220
Click "OK"
221
Click "Name"
222
Click "Underwriting - Approval Final"
223
Click here
224
Click here
225
Click here
226
Click "Assign"
227
Click "Close"
228
Click here
229
Click here
230
Click "Close"
231
Click "2015 Itemization"
232
Click "2015 Itemization"
233
Click "NEWHUD2.X4640: Make sure to remove the fee we added earlier so the closers have accurate information
234
Click here
235
Click here
236
Click "Tools"
237
Click "Forms"
238
Click here
239
Click here
240
Click "Underwriter"
241
Click here
242
Click "OK"
243
Click "Finished"
244
Click here
245
Click here
246
Click "12/19/2025"
247
Click "12/19/2025"
248
Click "Loan Processor"
249
Click here
250
Click "OK"
251
Click here
252
Click "Freddie Mac: Detached Project"
253
Click "Subject Property Project Classification"
254
Click "Approved"
255
Double-click "HUD 1003 Addendum Approved or Modified"
256
Click "Underwriting Approval Expired Date"
257
Click "No"
258
Click here
259
Click here
260
Click "Easy Data Entry"
261
Click "Remove eFolder Duplicates"
262
Click "OK"
263
Click here
264
Click "Finished"
265
Click here
266
Click "Close"
267
Click "Close"
268
Click "Borrowers"
269
Click "Yes"
270
Click "Close"
Encompass Workflow - FHA Resub and Final Approval
Kristen Snethen
270 steps
20 minutes
Encompass
Microsoft Edge
SnippingTool.exe
Windows Explorer
Scribe for Windows
Adobe Acrobat
1
Select and open the file to be reviewed
2
Click here
3
Click "Conditions"
4
Click here
5
Review all conditions with a red disposition and a status other then Added.
6
If updates to the condition are required, set the status back to added and updated the description
7
Click "Source"
8
Click "Source" to update the internal and external description
9
Click "Document Receipt Date"
10
If the condition is good, select cleared and close
11
Click "Close" once all conditions have been reviewed, if this needs to go back to the borrower continue bellow, if it's ready for final approval skip to step 31
12
Click "Tools" If the file needs suspended, update the summary in the tools section, if it's still approved with conditions skip to step 24
13
Click "Underwriter Summary"
14
Triple-click "2984: The name of the underwriter who recommended approval of the loan."
15
Press [[Backspace]]
16
Triple-click "2301: The date the underwriter recommended approval of the loan."
17
Click "2985: The name of the underwriter who recommended suspending approval of the loan."
18
Triple-click "2985: The name of the underwriter who recommended suspending approval of the loan."
19
Click "Forms"
20
Click "Show All"
21
Click "Underwriting Additional Information"
22
Click "Resubmission 1:"
23
Click "Resubmission 1:"
24
Click here
25
Click here
26
Click "Finished"
27
Save and Exit the file.
28
Click "Close"
29
Click "Forms"
30
Click "Show All"
31
Click "1003 URLA - Lender"
32
Click "356: The appraised value of the subject property."
33
Click here
34
Click "230: The proposed/estimated monthly hazard insurance premium. Click the Edit icon (if available) to calculate the value."
35
Click here
36
Click "Cancel"
37
Click "233: The proposed/estimated monthly homeowner's association dues."
38
Click here
39
Click "OK"
40
Click here
41
Click "4795"
42
Click "L128: The amount of deposit or earnest money paid by the borrower when the offer was accepted."
43
Click "1003 URLA Part 1"
44
Click "1003 URLA Part 3"
45
Click "FE0119: The borrower's current monthly base pay."
46
Click "1003 URLA Part 3"
47
Click "DD0148: The cash or market value of the account."
48
Click "URLAROA0203: The cash or market value of the asset."
49
Click "URLAROA0203: The cash or market value of the asset."
50
Click "Show all VOL"
51
Click "Minimize"
52
Click here
53
Click here
54
Click here
55
Double-click here
56
Click "Close"
57
Click here
58
Click "S"
59
Click "1003 URLA Part 4"
60
Click "URLARGG0121" Gifts and FHLB go here, same as Mbot
61
Click "Services"
62
Click "Underwriting"
63
Click "Fannie Mae DU on ePASS"
64
Click "Submit"
65
Click "Submit to DU on ePASS"
66
Click "Submit"
67
Click here
68
Click "Close"
69
Click "Loan"
70
Click "Forms"
71
Click "2015 Itemization"
72
Click "NEWHUD2.X4640: Add fees here to increase closing costs to increase cash to close
73
Click "HUD-56001 Property Improvement"
74
Click "HUD-928005b Conditional Commitment"
75
Click "Conditional Commitment under Act"
76
Click "See Below (Appraisal done)"
77
Click "3030: The CHUMS ID number of the DE underwriter who reviewed the appraisal for the loan. The CHUMS ID number is an alphanumeric approval code as..."
78
Click here
79
Click "Existing Construction"
80
Double-click "1068: The issue date of the loan commitment."
81
Click "Eligible for high loan to value ratio"
82
Click here
83
Click "Close"
84
Click here
85
Click "Print to File"
86
Click "File name:" Save to where ever and however you do files.
87
Click "Save"
88
Click "OK"
89
Click "HUD-92900LT FHA Loan Transmittal"
90
Click "Family"
91
Click "3015: The dollar amount of the gift provided by the source listed above."
92
Click "3009: The name or the EIN (Employee Identification Number, also known as the Federal Tax Identification Number) for the source of the gift funds..."
93
Click "No"
94
Click "980: The CHUMS ID number of the underwriter who performed the AUS or manual review (credit review). The CHUMS ID number is an alphanumeric appro..."
95
Click here
96
Click "Equity On Sold Property"
97
Click "135: The total amount contributed by the seller."
98
Click "No"
99
Click "A/A"
100
Click "1216: Comments from the underwriter related to any of the underwriting information."
101
Click here
102
Click "Close"
103
Click here
104
Click "Print to File"
105
Click "Services"
106
Click "Fraud/Audit Services"
107
Click "DataVerify DRIVE (EPC)"
108
Click "Submit"
109
Click "Underwriting"
110
Click "Submit"
111
Click "Submit to DU on ePASS"
112
Click "Submit"
113
Click here
114
Click "Close"
115
Click "Loan"
116
Click "Tools"
117
Click "AUS Tracking"
118
Double-click "Select two reports with a Type of 'Freddie Mac' to view any data differences."
119
Click "AUS Snapshot"
120
Click "Name"
121
Click "Underwriting - AUS (LP-DU) Final Findings"
122
Click "Document Details (Underwriting - AUS (LP-DU) Final Findings)"
123
Click "Close"
124
Click "Forms"
125
Click "Underwriting Additional Information"
126
Triple-click "CX.UAI.CREDITEX"
127
Triple-click "CX.UAI.APPRS.EX"
128
Click here
129
Click "CX.PTFCOND1"
130
Click "CX.PTFCOND1"
131
Click here
132
Click "CoreInput"
133
Click "Snipping Tool"
134
Click "Snipping Tool Overlay"
135
Press [[Ctrl]] + [[P]]
136
Click "Print"
137
Double-click "Name"
138
Click here
139
Click "Conditions"
140
Click here
141
Click here
142
Click "Condition Set"
143
Click "OK"
144
Click "All Conditions"
145
Click "closing conditions set"
146
Click "Add All >"
147
Click here
148
Click "< Remove" to remove any that are not needed
149
Click "Source"
150
Press [[Space]]
151
Click "Internal ID" complete PTFS same as conditions, including adding an non-generic
152
Click "Close"
153
Click here
154
Right click here
155
Click "DropDown"
156
Click "Yes" Delete any that were added and not needed
157
Click "CX.PTFCOND1"
158
Press [[Ctrl]] + [[A]]
159
Press [[Ctrl]] + [[C]]
160
Click here
161
Click "Conditions"
162
Click here
163
Click "Condition Set"
164
Click "Conditions List"
165
Click "OK"
166
Click here
167
Click here
168
Press [[Tab]]
169
Click here
170
Click "Add"
171
Click "Source"
172
Press [[Ctrl]] + [[V]]
173
Click "Internal ID"
174
Press [[Ctrl]] + [[V]]
175
Click "Close"
176
Click "Close"
177
Click "HMDA Information"
178
Click here
179
Click here
180
Click "2. Experian Fair Isaac"
181
Click here
182
Click "1. Desktop Underwriter (DU)"
183
Click here
184
Click "1. Approve/Eligible"
185
Click here
186
Click "Close"
187
Click here
188
Double-click here
189
Click here
190
Click "Add >"
191
Click "Add to eFolder"
192
Click "Select a file above and drag it to a document below"
193
Click "Select a file above and drag it to a document below"
194
Click "Select a file above and drag it to a document below"
195
Click "Select a file above and drag it to a document below"
196
Click "Select a file above and drag it to a document below"
197
Click here
198
Click here
199
Click here
200
Click "Select a file above and drag it to a document below" Combine and clear all buckets so file is clean to send to the investor
201
Click "Select a file above and drag it to a document below"
202
Click here
203
Click "Select a file above and drag it to a document below"
204
Click "OK"
205
Click "Name"
206
Click "HUD-92900-LT FHA Loan Transmittal"
207
Click here
208
Click here
209
Click "Assign"
210
Click "Close"
211
Click "Select a file above and drag it to a document below"
212
Click "OK"
213
Click "Name"
214
Click "HUD Conditional Commitment"
215
Click here
216
Click here
217
Click "Assign"
218
Click "Close"
219
Click "Select a file above and drag it to a document below"
220
Click "OK"
221
Click "Name"
222
Click "Underwriting - Approval Final"
223
Click here
224
Click here
225
Click here
226
Click "Assign"
227
Click "Close"
228
Click here
229
Click here
230
Click "Close"
231
Click "2015 Itemization"
232
Click "2015 Itemization"
233
Click "NEWHUD2.X4640: Make sure to remove the fee we added earlier so the closers have accurate information
234
Click here
235
Click here
236
Click "Tools"
237
Click "Forms"
238
Click here
239
Click here
240
Click "Underwriter"
241
Click here
242
Click "OK"
243
Click "Finished"
244
Click here
245
Click here
246
Click "12/19/2025"
247
Click "12/19/2025"
248
Click "Loan Processor"
249
Click here
250
Click "OK"
251
Click here
252
Click "Freddie Mac: Detached Project"
253
Click "Subject Property Project Classification"
254
Click "Approved"
255
Double-click "HUD 1003 Addendum Approved or Modified"
256
Click "Underwriting Approval Expired Date"
257
Click "No"
258
Click here
259
Click here
260
Click "Easy Data Entry"
261
Click "Remove eFolder Duplicates"
262
Click "OK"
263
Click here
264
Click "Finished"
265
Click here
266
Click "Close"
267
Click "Close"
268
Click "Borrowers"
269
Click "Yes"
270
Click "Close"
