Mortgage Suite Discussion

Go beyond the point-of-sale.

  • 30 Topics
  • 41 Replies

30 Topics

A
A.MalaraNew Participant
asked in Mortgage Suite Discussion

Unable to Generate CD from Encompass to blend

Any one know why the screen would be stuck with a message saying "refreshing e consent information" when trying to generate a CD in Encompass to Blend? 

2
bstenstrom
Customer SME
14 hours ago
L
lweeksNew Participant
posted in Mortgage Suite Discussion

Changes in LOS overwritten after TRID export

How do other Blend users handle this? Do you have a process to ensure that Loan Officers only work in Blend until TRID is triggered? We try to do that, but sometimes it’s unavoidable. There is always one final export to the LOS after TRID is triggered. We are brand new to Blend, and looking for any advice! We are using Blend front end with Encompass as our LOS. Mortgage Loans specifically. 

6
kklumper
16 hours ago
M
mgordonCommunity Member
asked in Mortgage Suite Discussion

Does "Branch Management" require an Opt In?

Per this mortgage power up article on LinkedIn, https://blend.com/blog/mortgage-suite/leveraging-tailored-engagement/, is “Branch Management” live?   Do we need to Opt In?  Can each “Branch” use a different application template?  Thank you. 

0
M
2 days ago
C
ckesslerflcNew Participant
asked in Mortgage Suite Discussion

Can Blend use Fannie Mae DO instead of DU?

We currently do not yet have Fannie Mae approval and use DO instead of DU. Can Blend be setup to check DO rather than DU for dual AUS checks before moving to Encompass? We’d like to run this pre-export and work in the file in Blend but not sure this can be done. Anyone have any ideas here? Thanks for any help!

0
M
2 days ago
Deb
DebNew Participant
asked in Mortgage Suite Discussion

Notes Window on the Application Page

Why isn’t the Notes Window available to write notes during certain phases of the application/loan?seems it’s only available when the application is complete and disclosures have not been sent.  

0
Deb
8 days ago
M
mgordonCommunity Member
asked in Mortgage Suite Discussion

LOTK - Scenarios

Hello,If you are using LOTK - Scenarios, have you noticed the Estimated Closing Costs showing in scenarios is very different from the Loan Cost Worksheets generated in Blend?    Is there a work around, or a way to show cash to close instead of Est Closing Costs - OR even a way to remove/hide that section all together?  Thank you.  ​​​​​​​

0
M
8 days ago
J
Joshua ChampionNew Participant
asked in Mortgage Suite Discussion

Import loan to Blend from PCLender (Mortgage Director)

I created a loan in PCL.  Is there any way to import this loan from PCL to Blend?

2
J
8 days ago
A
AndrewCommunity Member
asked in Mortgage Suite Discussion

Question about SMS/Texts. Is there a mapped field for the text messages in blend?

We are considering texting and I need to determine if there is a mapped field in Blend for the text messages that go to borrowers?  The goal would be for them to export to our CRM. Thank you

8
A
21 days ago
L
lindsey.browneNew Participant
asked in Mortgage Suite Discussion

HMDA/GMI Questions - ability to bypass when not required

Hello! Is there a way to not require the HMDA/GMI questions when the borrower is filling out the Blend applications and still allow the borrower to submit the application? This would be for situations where HMDA/GMI is not required (no real estate property, just land/lot loan) 

4
Chelsea
24 days ago
A
AndrewCommunity Member
asked in Mortgage Suite Discussion

Where can I get a copy of the SMS disclosure the borrower sees in Blend during the application?

We are considering adding SMS for our borrowers through Blend but need a copy of the disclosure the borrower receives during the application to give permission to allow texting. I searched and cannot find it. Thank you 

2
A
1 month ago
D
DeniseNew Participant
asked in Mortgage Suite Discussion

Request documents from the borrower

How do I request documents from the borrower through blend?

2
D
2 months ago
Ivan
IvanCommunity Manager
published in Mortgage Suite Discussion

SMS Frequently Asked Questions (FAQs)

This article covers some of the most frequently asked questions on Blend’s SMS feature. What phone number will borrowers be receiving SMS from?Messages will be sent from the 800 toll-free number assigned to the lender organization. Can each LO have a different number?The 800 toll-free number will be the same for all LOs. Can the borrower reply to an automated text message?The SMS feature is one-way only. Aside from the opt-in/out words below, any other replies to automated messages are not monitored. If the borrower replies to an automated SMS, nothing will happen.STOP, UNSUBSCRIBE, CANCEL, or QUIT, opts out the borrower from receiving SMS messages. YES or START to the initial text, subscribes the borrower to SMS text message updates. START or UNSTOP resumes SMS messages if the borrower has opted out. Is it possible to send mass invitations (in bulk) via SMS?No. Similarly to email invitations, they can only be sent on a per-loan basis. Can the primary borrower subscribe the co-borrower

780
Ivan
2 months ago
Ivan
IvanCommunity Manager
published in Mortgage Suite Discussion

If the B button is missing in Encompass

Learn what to do if the B button is missing in Encompass. In this guide, we’ll cover some settings that may be the reason the B button is not displayed in your Encompass files. For Encompass users that utilize the KensieMae plugin. Learn what to do if the B button is missing in Encompass. What is the B button? First, check the two settings below Setting A - Integration roll out Setting B - Included in limited integration roll out B Button Behavior Chart If the B button is still missing Blend Disclosures Requirement Setting CX.BLEND.DISCLOSURES.REQ field setting EllieMae Disclosed Loans Setting  What is the B button?The Blend Quick Access Button, most commonly known as the “B button”, provides quick access to essential utilities in Blend.If the button isn’t present in an Encompass file, users will not be able to issue disclosures through Blend or retrieve packages.  First, check the two settings below Setting A - Integration roll outThe Limited roll out of the integration

670
Ivan
3 months ago
Ivan
IvanCommunity Manager
published in Mortgage Suite Discussion

Positive Rental History Payment FAQsF.A.Q.

This article will answer some of the frequently asked questions on how Blend supports Freddie Mac’s on-time rent payment history enhancement in Loan Product Advisor® (LPA) and Fannie Mae’s rent payment history enhancement in DU (One pager linked below). How do I verify that Rent Payment History is working?After the feature has been enabled, the findings report will display a message if the borrower met the requirements. Can I get a copy of the 12-month asset data?Blend does not generate a report with the 12-month asset data. The data is sent behind the scenes. Why do Generated Asset Statements continue to show only 60 days of data?Blend will continue to produce Generated Asset Statements (GAS) for 60 days. The 12-month asset data is sent behind the scenes. Will this feature apply to prior loans?The feature isn’t retroactive and will apply to new loans after the feature is enabled. Is the Rent Payment History feature available for everyone?This feature is available to clients that run D

1940
Ivan
5 months ago
Ivan
IvanCommunity Manager
published in Mortgage Suite Discussion

Where are the follow ups I prepared for the borrower?F.A.Q.

Some of the most frequently asked questions to Blend Support include:I prepared several follow ups but they were not sent to the borrower I can’t find the follow ups I prepared yesterday The follow ups disappearedGood news is, the follow ups do not disappear unless they are manually deleted. More often than not, what happens is that the follow ups are saved as a draft and not sent to the borrower. In the Follow-ups tab, click View Saved Draft to see the follow ups that were prepared previously. Refer to If you're not ready to send follow ups just yet, save them as a draft to learn more on how this feature works.

560
Ivan
6 months ago
Ivan
IvanCommunity Manager
published in Mortgage Suite Discussion

How to re-sync the eConsent status from Blend to Encompass

Learn how to re-sync eConsent between Blend and Encompass when there is a mismatch. A mismatch may occur in situations where a borrower declines eConsent in Blend after they had originally accepted.eConsent status declined in BlendeConsent status in Encompass reflects “Accepted”Clear eConsent status from the Blend Integration form Get the latest eConsent status from Blend Verify that the eConsent status matches Clear eConsent status from the Blend Integration form1. Navigate to Forms in the Encompass file2. Open the Blend Integration form3. Click the X next to the CX.BLEND.B1.ECONSENT.STATUS field4. Click Reset Hash5. Save the loan file in Encompass Get the latest eConsent status from Blend1. Navigate to the Disclosure Tracking Tool in the Encompass file2. Click the B button in in the Disclosure History to get the latest eConsent status from BlendThe eConsent status in Encompass should now match the status in Blend. Verify that the eConsent status matches1. Click the magnifying glass i

3030
Ivan
7 months ago
T
terry.davisNew Participant
asked in Mortgage Suite Discussion

Co-Piloting for Borrower Pairs

Is it possible to co-pilot for individual borrower pairs?  Have a situation were I can co-pilot for the primary borrower (pair 1) but cannot co-pilot for the secondary borrower (pair 2).  Thanks.

1
Chelsea
7 months ago
Ivan
IvanCommunity Manager
published in Mortgage Suite Discussion

Guide to understanding Asset Statement follow-up events in Blend's activity log

Learn how to interpret activity events for Asset Statement follow-ups to understand when a borrower successfully connects their accounts, manually uploads copies of their statements, or removes their accounts.How to tell if Generated Asset Statements (GAS) were pulled or if the borrower manually uploaded a copy Successfully Generated Asset Statements Manually Uploaded Account Statements How to interpret events in the activity logs related to Assets. Borrower completed Choose Banking Institution Borrower completed Log in process Borrower removed an asset account Borrower removed document  How to tell if Generated Asset Statements (GAS) were pulled or if the borrower manually uploaded a copy Successfully Generated Asset StatementsWhen Generated Asset Statements (GAS) are pulled successfully, the event will be recorded in the Activity Feed as follows: API User: blend-23f06a2c8f6e@int.blendlabs.com added a documentFile Name{Borrower Last Name} - Linked Bank Statement - {Bank Name} Ban

3630
Ivan
7 months ago
ebrothers
ebrothersNew Participant
asked in Mortgage Suite Discussion

Present Housing Expense - LPA

Hi there.We are testing LO Toolkit in Beta and running into some LPA/DTI issues.  We have identified that Blend is sending mortgage payments input by lenders rather than the actual linked mortgage liability to LPA causing the feedback to be incorrect.  This could be detrimental if ratios are tight.  Is anyone else noticing this? We have also discovered that Blend is not sending the present housing expense if borrower rents.  Has anyone else noticed this?  

2
Chelsea
8 months ago
tburton
Customer SME
tburtonCustomer SME
asked in Mortgage Suite Discussion

VA Funding Fee/FHA Monthly MCC/Conventional MI

Hi all! - We are new Blend users and a question has arisen around how the VA Funding fee is being determined.  We are seeing 1.75% Funding fees for VA loans, when no VA scenario calls for a 1.75% funding fee.  We are are also seeing that the FHA Monthly MCC rate & Conventional MI rates need to be manually entered by our users, which does not seem right. I have not been able to find any documentation on this topic.  Can any of you share what you doing to ensure accurate information?Thank you! - Todd

3
tburton
Customer SME
8 months ago
Ivan
IvanCommunity Manager
published in Mortgage Suite Discussion

The Work Number (TWN) Frequently Asked Questions

This is a list of FAQs on TWN. Refer to The Work Number (TWN) to learn more. What if the SSN doesn’t match?The SSN must match or TWN won’t return a successful hit. What if TWN fails?If TWN fails to return any results, W-2s and pay stubs will be added after the failure. Why did TWN fail/skip?The Activity feed in Blend will record TWN-related events and responses. You can apply the Activity Types by Milestone & Processes filter to view TWN events and review failure messages or reasons why TWN was skipped. Will TWN fail if the borrower has not given eConsent?eConsent is not required to run TWN successfully. Only the consumer report consent is required. Are we able to turn off TWN from running automatically for specific users?Setting the following role permissions to Never will restrict the ability for users to collect borrower consumer consent in Blend.Permission to run verification of income lender-side Permission to re-verify incomeSince consumer consent is required for TWN to run,

1330
Ivan
8 months ago
Ivan
IvanCommunity Manager
posted in Mortgage Suite Discussion

Why does eConsent show as given if the borrower has not activated their account?

This behavior is expected in the following scenarios: Borrower’s email is changedChanging a borrower’s email address will require the borrower to activate their account using the new email. However, the eConsent status will remain unless the borrower is removed from the application in Blend.  Shared applicationThe primary borrower can give eConsent on behalf of the co-borrower on shared applications as long as they answer Yes to the following questions during the Getting Started section:We'll need to collect personal, income, and asset information about John Homeowner. We'll also need certain consents from John to process this application. Do you have access and authorization to provide this information and consent on behalf of [Cob-orrower]? Do you and [Co-borrower] agree to share personal and financial information with each other?At the end of the Getting to Know You section, the primary borrower will be prompted to confirm that they have read and agree to eConsent on behalf of the c

0
Ivan
9 months ago
Ivan
IvanCommunity Manager
published in Mortgage Suite Discussion

Added, removed, or switched a borrower in Encompass using the KensieMae plugin but it didn't sync to Blend?

NoteThis article applies to Encompass users that utilize the KensieMae plugin.If you add, remove, or change borrower positions on an Encompass loan that is synced to Blend, you will be prompted to confirm changes on the Blend - Confirm Applicant Info screen.The user must click Confirm in order to sync the changes back to Blend.Failing to do so will not push the changes back to Blend and will break the sync. As a result, the following functionality will be impacted:Borrower data and eConsent sync Issuing disclosures Loan status sync Importing documentsPlease note that the Blend - Confirm Applicant Info will only appear if the loan is currently synced to Blend. If it does not appear, the sync is likely broken. The KM logs will help confirm if there are any errors with the integration.Gather the KM logsWhen a borrower sync break occurs, the KensieMae logs will record the following error:Error: Authentication requiredLearn how to retrieve the KensieMae logs.Fix the syncTo fix the sync in t

3210
Ivan
9 months ago
luba.mainz
luba.mainzCommunity Member
asked in Mortgage Suite Discussion

Closing Cost template not applying fully in Encompass

Hi, I’m not sure when it started but it was reported to me on 3/7.  When a loan is imported into Encompass from Blend it seems to be applying the right Loan Program and data template but the closing cost template its not applying all of the elements.  In my template for lines 1316 and 1317 of the Itemization I have it set to read Real Estate commission (which it does) but I also have it set to check the Seller obligated box in the fee ( and this is not being checked).   I have looked at loans started in Encompass and the field (newhud2.x4473) is set to Y but when I look at blend started loans this field is set to N.  But the Closing Cost template field (1783) shows the correct template.   If I re-load the template it will populate the field as expected and set it to Y.   I just don’t even know where to go from here to figure out why its not working. thank you

2
luba.mainz
9 months ago
M
mgordonCommunity Member
asked in Mortgage Suite Discussion

Unmarried borrowers and sharing information

Does anyone know if it’s possible to disable information sharing for unmarried borrowers? 

4
M
9 months ago

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