1. Entering the LE data in Encompass

2. To Use the 2015 Forms:

3. To Use the 2015 Forms:

4. The 2015 Itemization and Fee Details Window
The 2015 Itemization shows details of closing costs and other charges. The fees are entered into the Itemization form which will populate the LE and CD

5. General Guidelines for Entering Fees on the 2015 Itemization
Type the costs and fees assigned to the Borrower, Seller, or Both
For calculated fields, the value is populated in the Borrower fields by default. Amounts entered into the Seller side will be automatically deducted from the Borrower
Use the check boxes in the columns on the right to specify the characteristics of the fee
Click the Fee Details icon to open the Fee Details pop-up window to enter and edit data

6. Using the Fee Details Windows
The Pop up
window can
be moved and
kept open on a
separate
monitor

7. Origination Fee PTC (Borrower’s funds brought to closing)
Financed (Included in Loan Amt)
PTC (Borrower’s funds brought to closing)
PAC (Paid At Closing)

8. Lender Paid Broker Comp

9. Lender Paid Broker Comp (Credit)

10. Over 2 discount Points charged on Loan
Financed (Included in Loan Amt)
PTC (Borrower’s funds brought to closing)
PAC (Paid At Closing)

11. Other Costs and Characteristics
Financed (Included in Loan Amt)
PTC (Borrower’s funds brought to closing)
PAC (Paid At Closing)
POC (Paid outside of Closiing by the Borrower
Choose type of fee

12. Closing Cost Summary

13. Total Estimated Monthly Payment

14. Total Estimated Funds Needed to Close

15. RegZ - LE

16. RegZ – LE Loan Information

17. RegZ – LE Loan Terms

18. RegZ – LE Adjustable Loan Terms

19. RegZ – LE Adjustable AP Table

20. RegZ – LE Adjustable AIR Table

21. RegZ – LE Adjustable Index Type

22. RegZ – LE Adjustable Index Type

23. RegZ – LE Construction and Mortgage Insurance

24. RegZ – LE Projected Payments

25. RegZ – LE Payment Schedule

26. RegZ – LE other old TILA questions

27. Thank you.