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Training Aids Repository

Access comprehensive training documents to help you master the Encompass Loan Origination System. These step-by-step guides provide detailed instructions for common tasks and processes.

Search Tips: Try keywords like "application", "processing", "underwriting", "disclosure", "government", "FHA", "VA", "pricing", "vendor services", or specific role names.

Application & Processing

Loan Application

Word Document

Complete walkthrough for processing loan applications using Encompass Consumer Connect. Covers the entire process from pipeline management to disclosure generation.

Key Topics Covered:
  • Pipeline navigation and loan officer assignment
  • M/I Borrower Summary completion
  • URLA screen reviews and data entry
  • ICE fees and pricing procedures
  • Document requests and eFolder management
  • AUS findings and vendor services

Processing Checklist

Word Document

Step-by-step processing walkthrough checklist for loan processors. Essential guide for managing conditioned loans from initial review through milestone completion.

Key Topics Covered:
  • Pipeline review and conversation logs
  • eFolder document management
  • Condition linking and annotations
  • Commitment letter generation
  • Vendor services and AUS updates
  • Milestone completion procedures

Applications Management

PDF Guide

Comprehensive guide for managing applications including adding borrowers, duplicating loans, and managing borrower pairs within the Encompass system.

Key Topics Covered:
  • Adding borrowers and co-borrowers
  • Managing borrower pairs and co-mortgagors
  • Duplicating loans and template application
  • Flipping borrower and co-borrower roles
  • URLA information completion
  • Document management for duplicated loans

Document Management & Verification

eFolder File Manager

PDF Guide

Master the eFolder File Manager with this comprehensive guide covering all essential document management tasks. Learn to efficiently browse, attach, merge, split, and annotate files within the Encompass system.

Key Topics Covered:
  • Browse and attach files (upload)
  • Merging multiple documents
  • Extracting and splitting documents
  • Document annotation features
  • Public, internal, and private comments
  • Best practices for document management

4506-C DataVerify

PDF Guide

Complete guide for ordering tax transcripts through DataVerify. Learn the step-by-step process for 4506-C requests, form updates, and sending requests to borrowers through Consumer Connect.

Key Topics Covered:
  • Accessing DataVerify through services screen
  • Ordering 4506 and Fraud/Audit services
  • Adding forms and updating transcript years
  • Checking order status
  • Updating Request for Transcript Tax Form
  • Sending updated requests via eFolder

Pipeline Customization

PDF Guide

Learn to customize your pipeline views for optimal workflow management. Control displayed information, column order, and sorting options to match your specific needs.

Key Topics Covered:
  • Adding and removing columns
  • Changing column order and arrangement
  • Sorting pipeline data effectively
  • Creating custom views
  • Filtering and searching capabilities
  • Multi-level data sorting

Loan Products & Programs

Bond Programs

PDF Guide

Complete guide to entering and managing bond loan programs. Learn to select programs, handle pricing, and manage bond registration with agencies.

Key Topics Covered:
  • Selecting bond loan programs in URLA
  • Locking loan programs and pricing
  • Bond registration with agencies
  • Fee management and itemization
  • Uploading bond disclosures
  • eFolder document management

Bonds as Grants

PDF Guide

Learn to handle bonds that function as grants rather than second mortgages. Step-by-step process for entering grant information in the URLA system.

Key Topics Covered:
  • Identifying bonds vs. grants
  • Section 4D URLA entry procedures
  • Borrower/Co-borrower designation
  • Asset type classification
  • Deposit status and source documentation
  • Total grant amount calculations

Adding Outside 2nd Loan

PDF Guide

Learn how to properly add an outside second mortgage or down payment assistance loan to your application. Complete process from URLA entry to OB updates and change in circumstances.

Key Topics Covered:
  • Opening 1003 URLA Part 4
  • Adding verification of additional loans
  • Setting up account information and terms
  • Updating OB for subordinate financing
  • Handling community/affordable housing loans
  • Adding fees and completing change in circumstances

Specialized Processes

Entering Gifts

PDF Guide

Comprehensive guide for handling gift transactions. Learn to enter gift information, generate gift letters, and manage gift documentation through Consumer Connect.

Key Topics Covered:
  • URLA Part 4 gift entry procedures
  • Gift letter generation and customization
  • Deposited vs. not deposited gift handling
  • FHA loan gift requirements
  • Consumer Connect gift letter sending
  • Gift documentation and eFolder management

Entering REO

PDF Guide

Learn to accurately complete REO (Real Estate Owned) sections in the URLA Part 3. Covers property information, liens, and income calculations.

Key Topics Covered:
  • URLA Part 3 Property You Own section
  • VOM (Verification of Mortgage) procedures
  • Attaching and showing liens
  • Property status designations (S, PS, R, H)
  • Rental income calculations
  • Taxes, insurance, and expense handling

Escrow Holdbacks

PDF Guide

Complete guide to managing escrow holdbacks from initial setup through final release. Learn the centralized process for tracking and completing holdback requirements.

Key Topics Covered:
  • M/I Escrow Holdback screen setup
  • Closing Disclosure integration
  • Completion date and reason tracking
  • Builder completion documentation
  • Final inspection procedures
  • Fund release to title companies

Brokered Loans & Compliance

Brokered Loans

PDF Guide

Complete process for handling brokered loans from duplication through closing. Learn channel updates, fee agreements, and compliance requirements.

Key Topics Covered:
  • Loan duplication and template application
  • Channel updates to brokered status
  • RESPA 6 and broker compensation
  • Broker fee agreement generation
  • List of services performed forms
  • Closing procedures and documentation

Change in Circumstance

PDF Guide

Learn to handle change in circumstance scenarios requiring loan re-disclosure. Covers loan estimate updates, fee variance alerts, and disclosure ordering.

Key Topics Covered:
  • Loan modification procedures
  • Loan Estimate page updates
  • Changed circumstance documentation
  • Good faith fee variance resolution
  • Mavent ordering procedures
  • eDisclosure generation and sending

NOIA (Notice of Incomplete Application)

PDF Guide

Complete guide for generating and sending Notice of Incomplete Application letters. Learn condition management, deadline tracking, and compliance requirements.

Key Topics Covered:
  • Incomplete application pipeline monitoring
  • Adding commitment conditions
  • M/I Notice of Incomplete Action form
  • Deadline date management
  • Document generation and sending
  • Consumer Connect integration

Reporting & Underwriting

Branch Reporting

PDF Guide

Master branch reporting capabilities with comprehensive coverage of report creation, field management, and data filtering for effective pipeline management.

Key Topics Covered:
  • Creating new reports from scratch
  • Field selection and customization
  • Report filters and date specificity
  • Field ID lookup and hover techniques
  • Description editing and field naming
  • Advanced filtering capabilities

Branch Underwriting Checklist

Word Document

Essential checklist for branch underwriting procedures including cursory review, conditional review, and milestone management for underwriting staff.

Key Topics Covered:
  • Branch manager cursory review procedures
  • Pipeline assignment and processor designation
  • Conversation log reviews
  • Income and credit analyzer reviews
  • Conditional review 10-day procedures
  • Clear to close milestone completion

Reggora Appraisal Process

PDF Guide

Complete guide to the Reggora appraisal ordering system. Learn order placement, pipeline management, and delivery tracking for efficient appraisal processing.

Key Topics Covered:
  • Appraisal order placement through Services
  • Contact information and order details
  • eVault document attachment procedures
  • Order status tracking and updates
  • Delivery status verification
  • Pipeline management and filtering

Application Management

Withdrawing Applications

PDF Guide

Learn the proper procedure for withdrawing applications in Encompass. Covers forms completion, HMDA information updates, and withdrawal confirmation.

Key Topics Covered:
  • Notice of incomplete action procedures
  • Application withdrawn button usage
  • NOIA issued date entry
  • HMDA information updates
  • Action taken reason selection
  • Withdrawal confirmation verification

Core Training Series

Essential foundational training materials covering core Encompass functionality and processes. These comprehensive guides provide in-depth coverage of key system components and workflows.

M/I Financial Overview

Training Series #1

Introduction to M/I Financial's Encompass implementation covering workflow fundamentals. Essential starting point for understanding the system architecture and processes.

Key Topics Covered:
  • To-be-built workflow overview
  • Spec workflow processes
  • M/I Financial system integration
  • Implementation timeline and milestones
  • Workflow architecture fundamentals
  • System transition planning

Overview, Process & Navigation

Training Series #2

Comprehensive guide to Encompass fundamentals including navigation, pipeline management, milestones, and eFolder functionality. Essential for all users.

Key Topics Covered:
  • Encompass basics and loan visibility
  • Roles vs. personas understanding
  • Pipeline customization and management
  • Milestone workflow and tracking
  • eFolder document management
  • Forms, tools, and services navigation

Consumer Connect

Training Series #3

Complete guide to the Consumer Connect borrower portal system. Learn how borrowers interact with the system and how to manage their experience.

Key Topics Covered:
  • Consumer Connect portal overview
  • Borrower application process
  • Loan officer prequal pipeline
  • Centralized information hub features
  • Document upload and management
  • Borrower interface navigation

Branch UW Essentials

Training Series #4A

Essential training for branch underwriting staff covering UW stages, reviews, milestone advancement, and clear to close procedures.

Key Topics Covered:
  • Branch underwriting overview and roles
  • UW stages and workflow processes
  • Initial and conditional review procedures
  • Milestone advancement and management
  • UW comparison and clear to close
  • Notice of incomplete application processes

Origination Essentials

Training Series #4B

Comprehensive training for loan officers covering the complete origination process from application to submission for underwriting.

Key Topics Covered:
  • Loan officer pipelines and milestones
  • Prequalification and application completion
  • Disclosure issuance and document requests
  • Vendor services and Products & Pricing
  • Corporate UW submission procedures
  • Change in circumstance and NOIA processes

Processing Essentials

Training Series #4C

Essential training for loan processors covering pipeline management, loan review, commitment letters, and loan processing through to closing preparation.

Key Topics Covered:
  • Processor pipeline and milestone management
  • Loan review and commitment letter issuance
  • Document processing and vendor services
  • Ready for CD procedures
  • Branch and corporate UW submissions
  • Loan finalization and closing preparation

Optimal Blue

Training Series #5

Complete guide to Optimal Blue integration covering pricing, locking, concessions, and advanced features for rate management and loan pricing.

Key Topics Covered:
  • OB features and automated processes
  • Loan pricing and locking procedures
  • Branch and corporate concessions
  • Profile changes and renegotiation
  • Lock extensions and cancellations
  • Special pricing and branch revenue

Vendor Services

Training Series #6

Comprehensive coverage of all vendor services integration including AUS, verification services, compliance tools, and third-party integrations.

Key Topics Covered:
  • AUS (DU/LP) and ICE fees
  • Income and credit analyzers
  • Verification services (Work Number, TrueWork)
  • DataVerify DRIVE and AccountChek
  • Mavent compliance and appraisal orders
  • MI Center and transcript requests

Government Forms

Training Series #7

Specialized training for government loan programs covering FHA and VA forms, management screens, and compliance requirements.

Key Topics Covered:
  • FHA HUD 1003 Addendum and management
  • VA Management and qualification screens
  • VA 26-6393 Loan Analysis procedures
  • VA 26-1820 Loan Disbursement forms
  • Certificate of Eligibility processing
  • Government loan milestone requirements

Need Additional Training Resources?

These training aids are regularly updated to reflect the latest Encompass features and best practices. For additional support or questions about these documents, please contact the training team.

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