A configurable solution

Looking for a competitive edge? A configurable all-in-one solution lets you set up the workflow you need, helping to speed processing, reduce risk, and gain marketplace advantage. You get a best-practice approach that minimizes complexity and helps to accomplish more with less.


The all-in-one difference

Generate Leads. Grow Faster. Stay Compliant.

The next generation of Encompass CRM combines automated marketing, relationship management, and business intelligence into a single, effective solution that dramatically increases marketing results.

  • Turn heads with one-to-one communications
  • Generate more business from referral partners
  • Turn prospects into clients
  • Keep clients coming back
  • Market smarter choices with effective business intelligence
  • Stay compliant under one system of record
LEARN MORE: Encompass CRM,

Build your pipeline across multiple channels, in the office or on the go.

Encompass kicks off every mortgage on the right foot by letting you:

  • Configure specific workflows for retail, wholesale and correspondent lending.
  • Originate and edit loans on the go from any mobile device.
  • Keep borrowers and third-party originators informed with automated online status updates.
  • Provide retail borrowers with an easy-to-use consumer direct channel to check rates and submit applications.
LEARN MORE: Encompass Consumer Connect, Encompass Loan Officer Connect, Encompass WebCenter,

Keep mortgages moving in the right direction. Smartly, efficiently, electronically.

All the tools and technology you need to process at top speed, stay organized and pave the way to easier underwriting.

  • Automatically review loans for compliance with all local, state and federal regulations.
  • Send and receive eSigned compliant disclosures and documents.
  • Go paperless and eliminate reams of paper from your workflow while boosting efficiency with intelligent document recognition.
  • Have data automatically calculated for you throughout the loan file.
  • Electronically order services —4506-T, flood, appraisal, credit, etc.—right within Encompass.
LEARN MORE: Encompass Document Management,

Shave hours—even days—off underwriting.

Underwriters overburdened? Encompass lightens the load and lessens the risk of something getting missed because it lets you:

  • Automatically assess ATR/QM loan eligibility and understand how it was determined.
  • Run automated underwriting right within Encompass using Fannie Mae Desktop Underwriter® and Freddie Mac Loan Product AdvisorSM.
  • Check eligibility and data quality using Fannie Mae EarlyCheck and Freddie Mac Loan Quality Advisor.
  • Open complete visibility between processors and underwriters to increase collaboration and efficiency.
  • Compare and review documents efficiently, side by side, right on your screen.
LEARN MORE: Encompass Document Management, Encompass Compliance Service,

Close every loan with confidence.

Closing time is crunch time. Everything has to click. Encompass makes sure everything does by letting you:

  • Draw accurate, compliant docs efficiently and automatically within Encompass.
  • Generate loan packages that are automatically stacked and ordered how you or your investor require them.
  • Automate data verification and compliance checks into your closing process.
  • Auto-populate data from the loan file directly into your closing documents.
  • Manage and secure all closing documents easily from one electronic loan file.
  • Create your UCD file and deliver it directly to Fannie Mae UCD Collection Solution and Freddie Mac Loan Closing Advisor (coming December 2016).
LEARN MORE: Encompass Docs Solution,

Build better investor relationships and get loans purchased faster.

Become the reliable source for quality, compliant loans while giving your investors everything they need to purchase the loan quickly.

  • Send investors secure, tamper-proof loan documents electronically for review, directly from the loan file in Encompass.
  • Easily demonstrate how ATR/QM eligibility was determined.
  • Leverage integrated tools for purchase advice reconciliation and interim servicing.
LEARN MORE: Total Quality Loan® (TQL®) Program,
  • Meet compliance with confidence

    Take the sweat out of meeting compliance with automation supported by Ellie Mae’s industry-recognized compliance counsel and experts. Encompass delivers the power to:

    • Automatically review loans for potential ATR/QM, HOEPA, HMDA, FHA, TILA and NMLS violations
    • Receive instant alerts to RESPA, MDIA, HUD and LO Compensation issues
    • Correct mistakes before they jeopardize closing dates
  • The Total Quality Loan advantage

    Investors demand loan quality, and you’re on the hook to deliver. The Total Quality Loan® (TQL®) program in Encompass uses an automated, best-practice workflow to help you:

    • Produce higher-quality, compliant loans that investors can buy with confidence
    • Quickly get your loans purchased and off your warehouse line
    • Easily export proof of ATR/QM compliance to investors or for audit purposes
  • Close loans faster

    With origination costs now eclipsing $7,080 per loan (according to the MBA), efficiency is the key to profitability. An independent study revealed that Encompass increased efficiency by delivering up to:

    • $970.14 potential savings and value per loan comprising:
    • $612.83 in asset quality and execution improvement
    • $357.31 in improved efficiencies and cost-savings

When we changed to Encompass, we had a loan volume of $250 million a year and a 10-person compliance department, which we got down to one person. Today, I have a seven-person compliance department handling 650 loans, representing $100 million in volume every month. I would need a compliance department three times that size if not for Ellie Mae and Encompass.

– Jeanie Nivison, COO, VanDyk Mortgage

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