The First Enterprise-Level Mortgage Management System
Encompass is the first mortgage processing and management system that automates the actual loan origination process used by mortgage professionals today.
Traditional LOS programs, built to pre-Internet standards, implicitly assume that one person creates a mortgage through every step of the process—a real-world impossibility (at least to do well).“Encompass,” says Mortgage Technology magazine, “integrates loan origination software with tools and solutions customized to meet the separate needs of the loan officer, processor, and mortgage broker..."
Encompass assumes that multiple professionals collaborate with each other and an array of lenders and suppliers to create optimal loans for clients with unique requirements. Encompass enables you to do everything inside one program, making loan origination easier and faster than ever before—and strengthening the key market advantage for third-party originators, superior customer service.
Encompass connects the entire mortgage origination enterprise—borrower, loan officer, processor, broker, lender, underwriter, service provider—in one simple yet powerful program.
Drawing on information stored in a secure central database, Encompass provides each member of a company's staff—loan officer, processor, broker—with a unique view of loan data, tailored to their role in the loan origination process and personalized to fit their needs.
Because of this single data source, which automatically populates forms with current loan information throughout the system, Encompass users know that what they see on their screens is the latest, most complete version of the loan. But more than that, the fact that there is only one true version of every loan in the system opens up a whole new world of automated capabilities—from confrontation-free communications, to automated alerts, to one-click marketing, to company-wide business metrics.
 See Screenshot of Loan Officer's View
Even though loan officers make up something like three-quarters of all mortgage professionals, no software has ever been designed specifically to help LOs.
Until now, that is. For loan officers, Encompass changes everything.
Designed from the ground up to fulfill the needs of real-world loan officers, Encompass provides automated tools specifically tailored to help you:
- Generate leads
- Market to prospects
- Manage relationships
- Prequalify borrowers
- Initiate the loan process
- Communicate with co-workers
- Comply with regulations
- Maintain loan file logs
- Monitor the loan pipeline
- Manage personal workflow
- Manage personal business
- Work outside the office
The principal impact of Encompass on loan officers is pretty basic. Encompass will enable you to make the same amount of money in far less time—or a lot more money in the same amount of time.
Either way, it will make your job more manageable, more satisfying, and a lot more fun.
See Screenshot of Processor's View
Processing loans is a complicated job, no matter what kind of loan origination software you use. It requires keeping track of every step of a complex, often changing origination process—and juggling dozens, even hundreds of loans at a time. Mistakes are inevitable.
At least they were before Encompass.
Encompass starts with fully automated loan origination, then incorporates many additional capabilities that perform logistical, management, and communication tasks effortlessly and automatically, eliminating unintentional oversights.
The Encompass system:
- Eliminates re-keying
- Simplifies pipeline management
- Provides automated timing alerts
- Enables instant but unobtrusive collaboration
- Organizes your day by various priorities automatically
- Incorporates full Internet connectivity within the system
- Automates transactions with lenders, GSEs, service providers
- Auto-updates loan status to eliminate 95% of loan officer calls
- Ensures automatic compliance with government regulations
- Enables all origination tasks to be performed on one screen
- Catches mistakes before they happen
- Manages your workflow
As a processor, you have to work fast. But working fast means very little if you have to keep going back and correcting for mistakes and omissions. With Encompass, you have a tool that not only supports working your fastest, but keeps you from making mistakes.
See Screenshot of Broker's View
Probably the single greatest benefit of the Encompass central-database architecture is its ability to provide accurate business metrics in real time. But Encompass goes way beyond “accurate” and “real-time.” It encapsulates that information in graphic “snapshots” that can be digested at a glance.
To simplify viewing, the Encompass dashboard displays no more than six snapshots at a time. But the system maintains twelve business metrics continuously, so when you want to see a snapshot of different metrics you can make it appear with a click.
Available Encompass dashboard snapshots include:
- Pipeline Overview
- Pipeline Trend
- Loan Officer Pipeline Summary
- Loan Processor Pipeline Summary
- Lender Overview
- Lender Trend
- Vendor Overview
- Vendor Trend
- Purchase-to-Refinance Trend
- Loan Type Trend
- Referral Overview
- Commission Summary
Encompass gives mortgage business managers the tools to make better decisions. On a single screen, you can see your entire business in graphic form—its data automatically updating in real time. Using this information, you can improve sales forecasting, explore alternate business scenarios, renegotiate key supplier contracts, manage expansions or contractions...all with little or no guesswork.
Encompass gives you the information to manage your business with confidence.
Encompass is classic “what-you-see-is-what-you-get” software—using it is as easy as seeing what you want and clicking. Yet achieving such intuitive simplicity, while providing advanced features like seamless collaboration and automated security, is only made possible by state-of-the-art technologies like:
- Microsoft .NET framework
C# language (XML based)
SQL Server relational database
Open standards (TCP/IP, HTTP/SSL, MISMO)
HTML forms for seamless compliance updates
- Built-in Internet integration
Although revolutionary in the mortgage industry, Encompass architecture and technologies have proven reliable enough to comprise the infrastructure of many of the largest U.S. and European companies.
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