New Enhanced Conditions V3 APIs

Encompass Developer Connect provides the following sets of V3 APIs to create and manage Enhanced Conditions: Manage Enhanced Conditions, Enhanced Conditions Settings, and the Automated Conditions Evaluator API.

Manage Enhanced Conditions
The APIs for Managing Enhanced Conditions allow Encompass Web and Encompass TPO Connect to access Enhanced Conditions metadata for managing loan and document conditions in a loan file. These APIs provide methods to retrieve, add, remove, update, and delete enhanced conditions in a condition set, to manage condition comments, and to assign or unassign condition documents.

The following APIs are available to manage enhanced conditions in the loan:

Enhanced Conditions

Endpoint URL: /encompass/v3/settings/loan/loanId/conditions

• Get All Enhanced Conditions. Retrieve a list of enhanced conditions for a loan.
• Get an Enhanced Condition. Retrieve details about a specified enhanced condition.
• Manage Enhanced Conditions. Add, update, remove, or duplicate an enhanced condition in a loan.

Comments

Endpoint URL: /encompass/v3/settings/loan/loanId/conditions/conditionId/comments

• Get Comments. Retrieve comments for enhanced conditions.
• Manage Comments. Add, update, and remove comments for enhanced conditions.

Documents

Endpoint URL: /encompass/v3/settings/loan/loanId/conditions/conditionId/documents

• Get Documents. Retrieve documents of an enhanced condition.
• Manage Documents. Add, update, remove documents for an enhanced condition.

Tracking

Endpoint URL: /encompass/v3/settings/loan/loanId/conditions/conditionId/tracking

• Get Status Tracking Entries. Retrieve the status of tracking entries for an enhanced condition.

Enhanced Conditions Settings
The APIs for Enhanced Conditions Settings define condition types, statuses, sources, recipients and Prior To values, as well as define which actions can be taken on a given condition template based on multiple factors, including the user’s role.

The following APIs are available for managing Enhanced Conditions Settings in Encompass:

Enhanced Condition Types

Endpoint URL: /encompass/v3/settings/loan/conditions/types

• Get All Enhanced Condition Types. Retrieve a list of all condition types.
• Get an Enhanced Condition Type. Retrieve a specified condition type.
• Manage Enhanced Condition Types. Adds, updates, or removes a condition type.

Enhanced Condition Sets

Endpoint URL: /encompass/v3/settings/loan/conditions/set

• Get All Enhanced Condition Sets. Retrieve a list of all condition sets.
• Get an Enhanced Condition Set. Retrieve a specified condition set.

Enhanced Condition Templates

Endpoint URL: /encompass/v3/settings/loan/conditions/templates

• Get All Enhanced Condition Templates. Retrieve a list of all condition templates.
• Get an Enhanced Condition Templates. Retrieve a list of all condition templates.
• Manage Enhanced Condition Templates. Add or update an enhanced condition template.

Automated Conditions Evaluator API

The Automated Conditions Evaluator API evaluates the Automated Enhanced Conditions Business Rules set up in Encompass Settings and returns the list of condition templates that can be applied to the loan, given the state of the loan.

Evaluate Automated Conditions

Endpoint URL: /encompass/v3/calculators/automatedConditions

• Evaluate Automated Conditions. Retrieve a list of condition templates that can be applied to the loan, based on the given the state of the loan.

Updated V3 APIs

Enhancement to Update Loan API
V3 Stateless Update Loan API has been updated enabling you to apply a loan program template to an existing loan.

New Settings API - Retrieve List of Loan Program Templates
New API to get the list of loan program templates, along with the full path, which can then be applied to an existing loan.

New and Updated V1 APIS

The following new and updated V1 APIs are available with the Encompass Developer Connect 20.2 November release.

Webhook Event History API

• New Query Parameters Added to Webhook Get All Events API
  Two new query parameters, subscriptionId and resourceId, have been added to the Webhook Get All Events API.
  A subscription ID is the unique ID assigned to a subscription when it is created. You can now use the subscriptionId query parameter to return the event history for a specified subscription.
  A resource ID is the unique ID of a resource (i.e. Loan); it is also known as the loan GUID. The resource ID can be associated with an event subscription. You can use the resourceId query parameter to return the event history of a specified loan.

• Query Parameters Now Case-Insensitive
  The Webhook Event History query parameters are no longer case-sensitive.

• DeliveryAttempted Status for Events
  To identify an undelivered notification, check for DeliveryAttempted status for events.
  A DeliveryAttempted status is logged only when there is a failure from the subscription webhook endpoint. Check DeliveryAttempted statusDetails for an error response code and error response details from the subscription webhook endpoint.

Rate Lock Updates - Support for Applying the Loan Program Through Submit Rate Lock API
APIs have been updated with this release to support the application of a loan program through the existing Submit Rate lock API by passing the full path of the template with a new attribute.
If both Template and Payload are sent, and payload values are same as template, the values are retained. If payload values are different from the template values, payload values will replace the template values.

New EPPS V2 APIs

🚧

Deprecation Notice - EPPS V1 APIs

Ellie Mae will be deprecating EPPS V1 APIs to make way for our new EPPS V2 APIs. Our EPPS V1 APIs will continue to be supported until Q2 of 2021. We are making the EPPS V2 APIs available with this release to allow developers to get familiar with the APIs while maintaining the existing behavior as the APIs are backward compatible. For more information see the Deprecation Notice for EPPS V1 APIs.

The EPPS APIs are moving to V2. The V1 and V2 APIs are largely the same; however, we have made some changes in the V2 contracts. The most significant change was made to the Get Programs and Rates (/loanQualifier endpoint) and Get Rates (/eligibility endpoint) schemas. The standardProduct contract in these schemas has changed from a hard-coded list of Standard Products to an Array of Product IDs. You can use the Lookups API for Standard Products to get all possible values.

Example array:

“standardProducts": [1,5,2,3,4] 

Lookups APIs

The Encompass Developer Connect 20.2 release introduces new EPPS Lookups APIs. Use the Lookups APIs to search for certain types of loan information across the Product and Pricing system.

Agency Approvals. Returns all Agency Approvals related to the user. The response contains key-value pairs.

Bankruptcy. Returns all records from the Bankruptcy table for the given user. The response contains key-value pairs.

Counties. Returns a list of counties available for a given state. The response contains key-value pairs.

Delivery Types. Returns Delivery Types available to the user. The response contains key-value pairs.

Encompass Elements. Returns the Encompass Elements set for the user. The response contains key-value pairs.

Foreclosure. Returns all records from the Foreclosure table for the given user. The response contains key-value pairs.

Investors. Returns all valid Investors for the user. The response contains key-value pairs.

Lien Position. Returns all the Lien Position options associated with the user. A list of key-value pairs is returned in the response.

Loan Terms. Returns all Product Options associated with the user. The response contains key-value pairs.

Loan Usage. Returns all the Loan Usage options associated with the user. A list of key-value pairs is returned in the response.

Lock Days. Returns all Lock Days related to the user. The response contains a list of lock days and VirtualLock.

Prepay Penalty Terms. Returns Prepay Penalty Terms. The response contains key-value pairs.

Product Options. Returns all Product Options associated with the user. A list of key-value pairs is returned in the response.

Property Type. Returns all Product Types associated with the user. A list of key-value pairs is returned in the response.

Property Use. Returns Property Use in the form of a list of key-value pairs for the given user.

Special Products. Returns all Special Products associated with the user. A list of key-value pairs is returned in the response.

Standard Products. Returns all Standard Products available to the user. A list of key-value pairs is returned in the response.

States. Returns all states available for a given user. Response includes State ID, State Name, and Abbreviation.

September 20.1 Service Pack

New and Enhanced APIs

V1: New Webhook Event History APIs

The Webhook Event History APIs are being introduced in V1 to provide lender developers with the ability to retrieve webhook events that were triggered on the Lender Platform. Using these APIs, lender developers can query webhook events according to status, time range, event type, event ID, and resource type. These APIs were created to help lender developers reconcile any missed events.

Endpoint URL: /webhook/v1/events/

• Get All Events returns all webhook events that occurred on the Lender Platform. Results can be refined using query parameters.
• Get an Event returns the specified webhook event.

For additional information about the Webhook Event History APIs, check out the 20.1 September blog post, Webhook Best Practices: Event Reconciliation and More

V1: New MISMO 3.4 Export API

New Transformer API is available in this release. It can be used to export URLA 2020 loans in MISMO 3.4 format.

Endpoint URL: /services/v1/transformer?loanId={}&format={}

Enhanced Services

Support for Factual Data by CBC Credit Partner
With this release, the Developer Connect Services API will support ordering and retrieving consumer credit reports from Factual Data by CBC.

Encompass Developer Connect Support for New URLA

A redesigned version of the Uniform Residential Loan Application (URLA), also known as the Fannie Mae form 1003 or the Freddie Mac form 65, is replacing the 2009 version of the URLA effective March 1, 2021. In addition, a new corresponding MISMO v3.4 dataset a.k.a. the Uniform Loan Application Dataset (ULAD) is also being introduced in conjunction with this newly designed URLA. The URLA is required for lenders to originate loans eligible for sale on the secondary market and to satisfy the safe harbor requirements of the Equal Credit Opportunity Act (ECOA).

The redesigned 2020 URLA makes it easier for lenders to collect information required by the Home Mortgage Disclosure Act (HMDA) and to incorporate additional application information identified under the URLA/ULAD initiative. The output form has a similar look and feel to the Loan Estimate and Closing Disclosure forms implemented in 2015 and was designed to provide a better experience for borrowers by providing clear instructions in language that is easy to understand.

Our goal is to ensure that our customers and our software are ready for the upcoming changes. While we cannot advise you on how to manage compliance in your own organization, we can help ensure that you have the tools and resources you need to be ready when the revised regulation takes effect.

Starting with the 20.1 August 2020 Service Pack release, URLA 2020 loan submissions are being supported on Encompass Developer Connect. Loan submissions to GSE-specific AUS production environments using the new URLA 2020 output forms are currently scheduled for January 1, 2021, with a mandatory usage date of March 1, 2021.

Impacted (Existing) APIs

Loan Schema APIs
The new URLA fields can be viewed as part of these APIs to discover the location of the collections and fields within the loan object:

• V1 Get Loan Schema
• V1 Get Field Schema API
• V3 Loan Schema API
• V3 Standard Fields API
• V1 Path Generator
• V1 Contract Generator

Loan Pipeline APIs
The new URLA fields can be viewed and queried as part of these APIs:

• V1 Field Definitions
• V1 Query Pipeline
• V3 Field Definitions
• V3 Query Pipeline

Loan Management APIs
The V1 Loan CRUD APIs will support all the new URLA fields.

• Create Loan 
• Update Loan
• Retrieve Loan

New APIs: V3

As part of this release, we are also releasing the new version of APIs – the V3 APIs. These new APIs will also have URLA Support.

V3 Loan CRUD

• Create Loan
• Update Loan
• Retrieve Loan
• Delete Loan

MISMO 3.4 Import
New MISMO APIs are available in this release. They can be used to import a new loan or an existing loan in MISMO 3.4 format.

• V3 Converter API converts a MISMO 3.4 file to create a loan object
• V3 Importer API imports a MISMO 3.4 file to update an existing loan

Managing URLA Version
Use this Settings API to retrieve the Instance Level URLA configuration:
GET /v3/settings/policies/urla

Use the Update URLA Version endpoint to switch the URLA version of the loan:
PATCH /v3/loans/{loanId}/urlaVersion

Refer to the Blog Post we have published for URLA Support through Developer Connect.

Secondary Settings API

New Secondary Settings APIs
New Secondary Settings APIshave been added to Encompass Developer Connect V3. Use these APIs to retrieve all investor templates available in Encompass and to retrieve a single investor template.

• Get Investor Templates  retrieves a list of investor templates available for a client performing a price or lock action.
• Get an Investor Template  retrieves details for a specified investor template. Template values based on the selected investor can then be applied when locking a loan.

Documentation Updates

Enhancements Made to the V3 Attachments API Documentation
Enhancements have been made to the V3 Attachments API reference documentation. Check out the latest documentation here on the Encompass Developer Connect portal.

New Topic About V3 Cloud Storage Added to Get Started Section of V1
A new topic has been added to the Developer Connect portal to provide additional information about V3 APIs and Loan Attachments. This new topic  About V3 Cloud Storage for Loan Attachments is available in the V1 area of the portal, listed below the Release Notes.

Enhancements Made to the How to Become a Supported Encompass Partner Topic
Enhancements have been made to Encompass online help topic,  How to Become a Supported Encompass Partner. In addition, the information provided in the help topic is now available in the Ellie Mae Resource Center.

Fixed Issues

Resolved Issue with Get External Organizations API
Some clients experienced an issue when using the V3 Get External Organizations API (/v3/externalOrganizations/tpos) to retrieve TPO company information. With this issue, the API call would fail intermittently if the load was under high concurrency. This issue has been resolved.
SRE-11648

June 20.1 Critical Patch

Enforce Persona Access to Loans and Persona Access to Fields Rules on Loan Data Access APIs

Partners using the restricted persona for API access through Encompass Developer Connect will now have restricted access to the loan file based on Encompass Persona Access to Loans and Persona Access to Fields rules. This change is being applied to the V1 Encompass Field Reader only. If the API user’s persona does not have entitlements to a loan file based on the configured rule, the loan will not be returned through any of these APIs. Similarly, if the partner’s configured persona does not have access to view an individual field based on the configured rules, they will not see the field data returned through these APIs.

Please note, this same update to Loan Data Access APIs is planned to be applied for V1 Get Loan in a separate release on Saturday, June 13.

EBSP-20540

May 20.1 Service Pack

Loan Opportunities APIs

Ellie Mae is offering a new service to access V1 APIs in Developer Connect for creating and managing Opportunities-Loan Scenario tool. This service provides the APIs to create and update loan opportunities, compare up to 10 loan scenarios, convert a loan scenario into a loan, run EBS calculation on the loan scenario object, and ability to email scenario(s), and Eligibility letter to the borrower using the Loan Opportunity notification service.

The following Loan Opportunities APIs are available in this release:

Loan Opportunity Management
Endpoint URL: /encompass/v1/loanOpportunities

• Get All Loan Opportunities retrieves opportunities with search criteria in a paged list.
• Get an Opportunity retrieves information about a specified opportunity.
• Create Opportunity creates a new opportunity.
• Convert to Opportunity Contract converts a loan contract to a loan opportunity contract.
• Update an Opportunity updates an existing opportunity.
• Delete an Opportunity removes a specified opportunity.

Document Management for an Opportunity
Endpoint URL: /v1/loanOpportunities/{OpportunityId}/documents

• Create a Document creates a new document for a specified opportunity.
• Get a Document retrieves an existing document from an opportunity.
• Replace a Document updates an existing document for an opportunity.

Notification Request
Endpoint URL: /v1/loanOpportunities/{OpportunityId}/notifications

• Send Notification Request triggers a notification request to be sent to the recipient.

Scenario Management
Endpoint URL: /v1/loanOpportunities/{OpportunityId}/scenarios

• Get All Scenarios retrieves all scenarios for a specified opportunity.
• Get a Scenario retrieves an existing scenario from an opportunity.
• Create Scenario creates a new scenario for a specified opportunity.
• Update a Scenario updates an existing scenario for an opportunity.
• Delete a Scenario removes a specified scenario from an opportunity.
• Convert Scenario to Loan converts the information in the opportunity and scenario to a loan contract.

Loan Opportunity Selector
Endpoint URL: /v1/loanOpportunitySelector

• Get Loan Opportunities retrieves specific details of opportunities with search criteria in a paged list.

Loan Opportunity Settings APIs

The Loan Opportunity Settings API provides the ability to configure settings related to the Scenario Comparison Tools feature.

Affordability Qualification Settings
Affordability Qualification APIs configure the housing and debt ratio limitations based on the product type. When an opportunity is created and the income and liabilities for the borrowers have been entered, the scenario reflects if the current data is within the defined limitations set.

Endpoint URL: /v1/settings/affordabilityQualification

• Get Affordability Qualification Settings retrieves Affordability Qualification settings.
• Create Affordability Qualification creates settings to determine affordability.
• Update an Affordability Qualification updates an existing Affordability Qualification setting.
• Delete an Affordability Qualification removes a specified Affordability Qualification setting.

Email Template Management
The Email Templates APIs configure the email template for when the user emails the generated Scenarios or Eligibility letter to a borrower.

Endpoint URL: /v1/settings/emailTemplates

• Get Email Templates retrieves email templates filtered by various criteria.
• Create Email Template creates a new email template.
• Get an Email Template retrieves a specified email template.
• Update an Email Template updates an existing email template.
• Delete an Email Template removes a specified email template.

Feature Management
The Feature Management APIs manage the feature and feature settings for Loan Opportunities.

Endpoint URL: /v1/settings/featureManagement

• Get Feature Management Settings retrieves Feature Management settings for the specified category and feature.
• Create New Feature creates a new Feature entry for a specified category.
• Update a Feature Management Setting updates an existing Feature Management Setting.
• Update a Feature updates an existing Feature.
• Delete a Feature Management Setting removes a Feature Management Setting.

Letter Template Management
The Letter Template APIs manage the template that is used to generate Eligibility Letters within an opportunity.

Endpoint URL: /v1/settings/letterTemplates

• Get Letter Templates retrieves Letter Templates filtered by various criteria.
• Create Letter Template creates a new Letter Template.
• Get a Letter Template Details retrieves a specified Letter Template.
• Update a Letter Template updates an existing Letter Template.
• Delete a Letter Template removes a specified Letter Template.

Fixed Issue

Loan Schema

Resolved: Incorrect contractPath for DISCLOSURE.X1188 in Standard Fields API
A discrepancy was observed between the contract path for DISCLOSURE.X1188 in Standard Fields API and Loan API response. This discrepancy prevented the loan data for DISCLOSURE.X1188 from parsing successfully.

Endpoint URL: .../encompass/v3/schemas/loan/standardFields?ids=DISCLOSURE.X1188

This issue is resolved with the 20.1 May service pack.CBIZ-31210

New V3 APIS

The Encompass Developer Connect 20.1 April release introduces the following new V3 APIs:

External Organizations and Users APIs

Use the External Organizations and Users APIs to create and manage lenders, brokers, and third party originators (TPO) with whom your company does business.

External Organizations

• Get External Organizations API retrieves a list of external organizations. Query parameters can be used to filter results.
• Get an External Organization API returns information about a specified TPO company or branch.

External Users APIs

• Get External Users API retrieves details about all external TPO users. Use query parameters to filter results.
• Get an External User API returns information about a specified TPO user.
• Get Effective Rights of External User API returns information about the effective rights of a specified TPO user.

Loan Pipeline APIs

The Loan Pipeline APIs provides methods to search for loans on the Pipeline. The View API returns all loans in the Pipeline to which the user has access. The results can be filtered and sorted to return more precise results.

• Query Pipeline (with Pagination) API retrieves pages of loan IDs (GUIDs) and specified fields from loans on the Pipeline.
• Get Canonical Names API retrieves the loan pipeline field definitions.

Schema APIs

A loan schema specifies the entities and data elements in a loan resource. Use the Schema APIs to retrieve all schema information, a certain set specified by field ID, and virtual field definitions for a loan.

• Get Loan Schema API retrieves the schema for a loan.
• Get List of Virtual Fields APIsretrieves virtual field definitions for a loan.

Loan Folder APIs

Loan folders allow lenders to organize loans into groups. Loan folders can be created to group loans by categories such as month of origination, loan status, or loan type. The Loan Folder APIs provide methods for creating and managing loan folders.

• Get Loan Folders API returns a complete list of loan folders; including the Trash folder to which the user has access rights.
• Get a Loan Folder API returns information about a specified loan folder.

New and Updated V1 APIS

The following new and updated V1 APIs are available with the Encompass Developer Connect 20.1 April release:

Correspondent Trades API

Ellie Mae is now offering a new service to access V1 APIs in Developer Connect for managing your Correspondent Trade needs. Developers will be able to make new API calls for creating and updating correspondent trades as well as making calls for loan assignments. In addition, there are APIs for calling the Trade Details and Trade Pipeline. There are also APIs for retrieving the Notes, History and loan assignment metrics of a correspondent trade. These new APIs can be used in the 20.1 version along with the latest features being introduced in the release for Authorized Trader, supporting new delivery types, updating commitment statues, and new pair-off functionality. Making these APIs available on Developer Connect will remove restrictions of solely working with .net applications.

Trade Pipeline
The Trade Pipeline APIs provides methods to search the Pipeline for correspondent trades. The View API returns all loans in the Pipeline to which the user has access. The results can be filtered and sorted to return more precise results.

• Get Trade Pipeline of Correspondent Trade API retrieves Pipeline for a correspondent trade.
• Get Field Definitions API retrieves specific field definitions to populate the Trade Pipeline.

Trade Management

• Create a Correspondent Trade API creates a correspondent trade.
• Get Correspondent Trade API retrieves information about a specified correspondent trade.
• Update Correspondent Trade API updates the commitment status or edit a single correspondent trade.
• Get Event History API retrieves the event history of a correspondent trade.
• Assign Loans to Correspondent Trade API assigns and updates loans to a correspondent trade.
• Get Correspondent Trade Notes API retrieves the notes from a correspondent trade.
• Get Correspondent Trade Statistics API retrieves the loan assignment metrics for a correspondent trade.

Webhooks API

Enhanced Support for Webhook Notifications for clients on 20.1
Webhooks provide a way to send notifications when certain events occur on a loan resource. For example, your client application can subscribe to receive notifications when a new loan is created or when contact information for a business contact is updated. Previously, the Webhook API supported notifications for only loan and transaction resources. With this release, Webhook API support has been expanded to other loan events such as Documents, Enhanced Conditions, Milestones, and External Orgs. Subscribing to any of these events will generate a Webhook notification when certain subevents occur.
The following table displays the newly supported loan event and the subevents that generate a notification:

Rate Lock API: Support for Additional Rate Lock Request Field Management

The lock request form includes the capability to mirror one or more loan-level standard or custom fields in addition to the base data set included in the lock request form itself. This data can be identified in Encompass > Settings. When a new lock request form is created, the loan data is mirrored to both the lock request fields and the additional lock request fields. This data can then be modified through Encompass Smart Client if there are variations added during the course of pricing scenarios for the loan file. When the lock is confirmed, this data is synchronized back to the corresponding loan-level fields and logged in the associated lock request snapshot. Previously, these fields could not be modified through Encompass APIs. With this release, custom fields that are set up under Settings > Secondary Setup > Lock Request Additional Fields are now supported as part of the followings V1 APIs:

• Create Loan
• Update Loan
• Get Loan
• Create Rate Lock Request
• Get Snapshot of Rate Lock Request

Usage Note

The Webhook eventTime attribute for Transaction resources now follows the ISO 8601 specification in UTC/Zulu time.

Introducing New Version 3 (V3) APIs

Early access to Encompass Developer Connect V3 APIs will be available in this release. The new and improved V3 APIs, which will be available under the "V3" section of the API Documentation can be used with the same oAuth token flow. The v3 APIs will simply have a new version in the API endpoints, and may have different data contracts from their v1 counterparts. V3 APIs ensure better performance, stability, ease of use and consistency for consuming the Developer Connect APIs. There will be a gradual roll-out plan for the v3 APIs.

Using V3 APIs to Manage Attachments and Documents
The V3 APIs utilize cloud storage for loan attachments. Cloud storage makes it possible to store and retrieve loan attachments faster, and requires less resources from the client workstation to process documents.

📘

Enabling V3 Could Storage APIs for Early Access

The V3 Cloud Storage APIs will be generally available in 2020. For early access on Encompass 19.4 R2T Smart Client test environments, contact your Ellie Mae Relationship Manager.

Viewing Attachments in Encompass
Developer Connect V3 APIs work seamlessly with Encompass. Whether accessing attachments from the media server or cloud storage, the flow is the same with V3 APIs. With cloud storage, Encompass users will notice improved performance. They may also notice subtle changes in appearance to the Encompass eFolder and document viewer for new loans.

Using Both V1 and V3 APIs
You can start the consumption of the V3 APIs on your R2T instances without turning on Cloud Storage as the V3 APIs are backward compatible. However, the V1 APIs used to manage attachments will no longer work once the Encompass instance is enabled for Cloud Storage/ Skydive, and loans will be using Cloud Storage. Encompass Developer Connect V1 and V3 APIs can be used simultaneously. API calls will be directed to the correct server depending on the API version. Attachments for Loans using media server can still be managed with the V1 APIs, and attachments for loans using cloud storage need to use the V3 APIs. Documents can be managed using V1 or V3 APIs, and the workflow will not break.

For this initial release, we are offering the following V3 APIs:
eFolder Documents
• Get List of Documents
• Get a Document
• Get Comments to a Document
• Manage Documents
• Manage Attachments Linked to a Document
• Add Comments to a Document

eFolder Attachments
• Get list of attachments
• Get Attachment
• Manage Attachment
• Upload an Attachment
• Download an Attachment

Accessing the V3 APIs

The V3 APIs will be available from the Developer Connect portal. A new menu at the top left of the Developer Connect Welcome page allows you to select the version you want to view. You can toggle between V1 and V3 using this menu.

For additional information about the V3 Cloud Storage APIs, check out the November blog post, Introducing Cloud Storage for Loan Attachments.

New V1 APIs

Export Attachments
• Create an export job with a list of attachments within a loan
• Get the status of the export job

Enhancements to V1 APIs

EPPS Loan Qualifier Contract Changes
The custom attribute in the EPPS Loan Qualifier contract is deprecated in this release. The custom attribute included the ratesCustomInput object and any custom rate details provided in the loan. This attribute will be replaced in a future release.

Support for Avantus Credit Partner
With this release, the Developer Connect Services API will support ordering and retrieving consumer credit reports from Avantus (CBCT).

New Webhook Notification for Moving a Loan
A new event type is being added to Webhooks notifications so that lenders can receive a notification when a loan is moved from one folder to another in Encompass. This enhancement is implemented by the new move event type. The move event type will be available for Create a Subscription, Update a Subscription, and Get Resource for Loan APIs.

Updates to Get Loan Metadata API
Two new attributes are being added to the Get Loan Metadata API so that lenders can query and view loans according to the user ID (createdBy) of the person who created the loan and the current version/ loan sequence number (loanFileSequenceNumber).

New APIs

The Developer Connect August Major release introduces the following new APIs:

Rate Lock APIs
The Rate Lock Management API allows you to submit a rate lock request for a loan and view rate lock information, extend, re-lock, cancel or update an existing rate lock.

• Get All Rate Lock Requests retrieves all rate lock requests for the specified loan.
• Get a Rate Lock Request retrieves rate lock information for a specified request ID in a loan.
• Get Snapshot of a Rate Lock Request returns the loan snapshot associated with the specified Rate Lock Request.
• Submit a Rate Lock Request creates a new rate lock request if you are a Loan Officer, and allows a Secondary user to confirm/ extend, re-lock/ cancel a new rate lock request.
• Update a Rate Lock Request updates the rate lock request of a specified request ID for a loan.
• Confirm a Rate Lock Request confirms a rate lock request.
• Cancel Lock Request cancels an existing lock.
• Deny a Rate Lock Request denies a rate lock request for the specified request ID.

Loan Field Reader

• Get Field Values retrieves the values for the specified field IDs within a loan.

Loan Import from File

• Create Loan from Import File creates a loan from import file. For this release, it creates a new loan in Encompass using loan data imported from a Fannie Mae 3.x loan file.

Personas

• Get a List of Personas returns the list of all personas on the Encompass instance.
• Get a Specific Persona returns details for a specified persona along with the access rights assigned to the persona.

Enhancements

Change Made to the lockDays Attribute in EPPS APIs
The lockDays attribute passed in the Get Programs and Rates and Get Eligible Rates APIs has changed. The lockDays attribute is now and array with multiple values. Previously, it was an integer value. To learn more about the lockDays attribute, see the EPPS Loan Qualifier Attributes.

The Developer Connect February Major release introduces the Encompass Product and Pricing Service (EPPS) APIs. These APIs can be used to create a rates search web app so borrowers can search for best fit program and pricing information without creating a loan application.

New EPPS APIs

User Mapping APIs
To retrieve rates and programs from EPPS, a mapping must be established between Encompass and the EPPS user. To establish this mapping, the following APIs are provided:

• Get User Mapping retrieves the currently logged in Encompass user’s mapping to the EPPS user.
• Map EPPS User for mapping an Encompass user to an EPPS user.

Rates APIs

• Get Programs and Rates retrieves a list of loan programs and rates for a given loan information.
• Get Guidelines retrieves a specified Pricing program.
• Select Rate returns the rates and adjustments that can be applied to a loan within EPPS.
• Get Eligible Rates for determining whether a given program for a loan is eligible for Trade and fetches the eligible rates.
• Get Adjustments for determining the adjustments for Trade and fetches LLPA and SRP pricing details.

Encompass API Enhancements

• Create Loan API now supports the assignment of Loan Officer to the loan at the time of creation.