And working to tighten our pre-close doc audit to avoid post-consummation cures — does anyone have a concise, TRID-aligned checklist that also flags RTC timing, fee tolerances, and investor delivery items (FNMA/FHLMC) you trust? We’re on Encompass and audit signatures, vesting, and notary blocks line-by-line; I’ll validate any template against state law and selling guides before use.
In Encompass, Milestone Checklist auto-calculates “RTC ends” and fee tolerance deltas — want my FNMA/FHLMC delivery addendum link?
Quick win in Encompass: I added a pre-close business rule that blocks Docs/CTC unless the “CD received” date is at least 3 business days before consummation and a UCD upload shows SUCCESS for FNMA/FHLMC, plus a cure doc is in the eFolder if tolerances exceeded… It cut our post-consummation cures because the gate won’t clear until RTC timing and fee math align. Small caveat: keep the holiday calendar current or your RTC calc will be off — @OP want the field IDs I used?
One add: we gate the checklist on three machine checks — ‘UCD = Success; SSR = no fatal; ULDD = pass’ — plus a business‑days RTC calc and a 0/10/unlimited bucket delta snapshot; it’s a seatbelt for last‑minute edits. @e_turner2000 want me to share the Encompass field IDs and the RTC calc?
We built a pre‑close Encompass step that cross‑checks the CD fee table against the Fee Worksheet and the settlement statement, and it auto‑flags any lender/seller credit that doesn’t tie to a fee code, then outputs a one‑page “cure preview” so we catch tolerance issues before docs. Since you’re already doing “line‑by‑line notary blocks,” this closes most of our post‑consummation cures from fee mapping; small caveat: it only works if your fee naming is standardized across branches. Want the mapping matrix we use?
I’d add a final APR/finance charge recalculation off the settlement statement and lock, and hard‑stop if the CD shifts outside tolerance — plus require a change‑of‑circumstance doc if any zero‑tolerance fees bumped (saves me from 2 a.m. sweats). I also sanity‑check the ULI/Loan ID matches across the CD, Note, and the UCD file so delivery doesn’t hiccup. CFPB’s TRID resource is a solid backstop: https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosure-rule/ — want a one‑pager you can drop into Encompass?