ComplianceOne® mortgage
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Hot Topics/FAQs
Hot Topics
FAQs: General
FAQs: Loan Definition
FAQs: Calculations
FAQs: Document Data
FAQs: Product Features
FAQs: Browser Maintenance
Getting Started
ComplianceOne Home Page
What are the system requirements?
What is a session?
What is defined as activity for purposes of keeping a session active?
Why am I receiving an inactive session message?
Why did my session time out?
How do I change my user profile?
What are the guidelines for changing a password?
What causes 'a required anti-forgery token was not supplied or is invalid' error when logging into the system?
How do I set up a shortcut to access mortgage from my desktop?
How do I set up a favorite in my browser to access Vanceo Dashboard?
How do I set up a favorite in my browser to access mortgage?
What is the ComplianceOne mortgage SaaS trusted site URL?
What is the Vanceo SaaS trusted site URL?
Key Terms of Use
Online Application (OLA)
Product Training Videos and Handouts
Reviewer Portal
Mortgage Application
Moving an Inquiry to the Vanceo Dashboard
Compliance FAQ's
Application
Application Page
URLA Quick Guide
Parties
What types of parties are supported on a consumer transaction?
How are borrowers/co-borrowers, cosigners, and guarantors different?
Where can I enter the applicant’s or borrower’s age that is required to be collected for certain HMDA transactions? How is age calculated?
What is the purpose of Modification on the Parties page?
What is the purpose of Status?
How do I delete a party?
How do I create one application document for two parties on the transaction?
How do I add signers to an entity (including a Trust)?
How does the search work?
How does the sort work?
Why did my party information update if I didn't change it?
Which ZIP Code is used to complete the Housing Counseling Agencies Notice?
Where do I enter income information?
What non-employment (other) income types are supported?
What amounts are included in the Total Current Monthly Income?
How do I submit a party to Customer Due Diligence (OneSumX)?
Are Customer Due Diligence results saved with my transaction?
How do I update template parties with actual parties?
Why does a message display indicating a template cannot be applied when applying a template to a transaction transferred from ComplianceOne Lending or ARTA Lending?
What is the four-digit number that displays next to a template party in the Template Parties section?
Why can't I see both phases in the Phase drop-down list accessed from the menu.
Financial Analysis
Credit Bureau
Liabilities
Real Estate Owned
Loan Definition
Template
Organization and Policy
Loan Definition
General Information
Collateral
Are multiple real property collateral supported on a single transaction?
Collateral Details
How do I obtain a Subordination Agreement?
Where do I enter the proposed monthly housing expenses?
What are the limitations on the number of signers for sellers of a piece of collateral?
What is a Mobile Home (Personal Property/Residence) type of collateral?
What is a Single Family Dwelling type of collateral?
What is the purpose of Dwelling within 2 Years within collateral details for Raw Land-Real Estate?
How do I order a flood determination?
Why can't I see both phases in the phase drop-down of the menu button?
When HMDA Applies is selected, how are Construction Method, Manufactured Home Land Property Interest, and Manufactured Home Secured Property Type defaulted for Single Family, 2-4 Family Dwelling, Mobile Home (Personal Property/Residence) and Raw Land collateral types?
What amount is entered in Appraisal Value and Construction Costs when Construction Note Type is Construction Only or Construction and Permanent Note?
How do Construction Costs impact my transaction?
When do I select Texas Home Equity Four Condition Refinance?
Calculations
General
Terms of Loan
Variable Rate
Fees
Loan Estimate/Closing Disclosure
Mortgage Insurance
Property Costs
Refinance Non-Standard to Standard
Calculations Results
Underwriting
Closing Disclosure
Closing Disclosure Overview
On a construction transaction, why is an Adjustment created for the Initial Advance Amount?
On a construction transaction, why is an Adjustment created for Construction Holdback?
On a modification transaction, why is the Current Balance defaulted as an Adjustment?
When are Gift Funds required to be disclosed in the Other Credits section of the Summaries of Transactions section of the Closing Disclosure?
Disbursements
On a modification transaction, why is the Current Balance defaulted to the Amount Paid on Loan Account with Payoff and Payment selected?
What fees are included in the Amount Paid to Lender calculation?
What fees are included in the Amount Paid to Public Officials calculation?
What fees are included in the Amount Paid to Insurance Companies calculation?
What fees default in as Paid to Third Party disbursements?
How do I update the calculated disbursements?
How do the amounts on the Disbursements page impact the Closing Disclosure?
On a construction transaction, why is a disbursement created for the Initial Advance Amount?
On a construction transaction, why is a disbursement created for Construction Holdback?
Document Data
General
Document Data
Document Specific
Print
Wolters Kluwer E-Sign (WK E-Sign)
eOriginal SmartSign® Plus
How do I set up barcodes that print on documents?
What is the Validation Messages section on the Print page?
How do I override a validation warning?
Why am I getting a transaction warning regarding the Truth in Lending disclosures?
Why do I receive a validation notice about recording restrictions on double-sided documents?
What are the recording restrictions?
What is negative amortization?
Which Organization Types are supported for mortgage transactions?
How are my documents affected if I select 'Do not include date in the document footer' in my Document Policy?
What is the document package drop-down list?
How do I print documents?
How do I print legal-sized documents on legal-sized paper?
How do I email documents?
How do I close out of a document?
How do I send a package via Wolters Kluwer E-Sign?
Why can't I see both phases in the phase drop-down of the menu button?
Template Maintenance
What is the purpose of a template?
How are parties used in a template?
Are the options to indicate a party is being released or added available on the Parties page for defaulting in a template?
What is the four-digit number that displays within the party row on the Parties page when I add a borrower, cosigner or guarantor to a template?
Are Additional Signatures, Sellers, Landlords, Additional Lienholders and Trustees available on the Collateral Details page for defaulting in a template?
Are Owners of Assets, Liabilities and Real Estate Owned available on the Financial Analysis page for defaulting in a template?
Will updates to existing template impact existing transactions?
What permission is required to access Template Maintenance?
What permission is required for users to create a transaction from a template?
Is the ability to apply field-level attributes to control behavior at transaction time available for defaulting in a template, for example required or read-only?
How do I navigate back to the Template Maintenance Home page in ComplianceOne when I am done creating or making changes to a template?
How do I navigate back to the Template Maintenance Home page in Vanceo Dashboard when I am done creating or making changes to a template?
How do I associate a Vanceo Process with a template so that I can standardize which process is used with each transaction?
About Interfaces
What's New Interfaces
Assigning Interfaces
Credit Services
Wiz Sentinel (ATR/HOEPA/HPML/QM)
SettlementOne Credit Service
Core Interfaces
CRA Reporting
Export
Fannie Mae Desktop Underwriter
Freddie Mac Loan Product Advisor
Fannie Mae Uniform Loan Delivery Dataset (ULDD)
Freddie Mac Uniform Loan Delivery Dataset (ULDD)
Import
OFAC Check
Uniform Closing Dataset (UCD)
How do I create a file for upload to the Fannie Mae and Freddie Mac UCD collection solutions?
After I have selected Create UCD File, where is my file placed?
Can I rename the file before uploading to the GSE UCD collection solutions?
When should Fannie Mae UCD Resubmit be selected?
What is the purpose of ATR/QM Exemption Reason?
Am I required to enter information into NMLS/License Issue Date, License Issuer Authority Type, or License Authority Name for Settlement Agents or Real Estate Brokers?
Am I required to enter information into Amount Paid to Third Party- Prepayment Penalty on the Disbursements page for a refinance transaction?
When I submitted my file to the GSE UCD collection solutions, I received an error message. Where can I go in the workflow to resolve the issue?
HMDA Reporting
How do I identify a transaction as HMDA reportable?
How do I identify a transaction as partially exempt per Senate Bill 2155 for HMDA Reporting?
How do I report Gross Annual Income for a non-natural person?
If I select Partially Exempt per S. 2155 on the Loan Definition page, how will that impact my transaction?
My organization is regulated by the OCC; how do I continue to report the Reasons for Denial on my partially exempt transactions?
What is the flow for licensed and non-licensed HMDA Wiz user?
How do I insert and update a transaction when licensed for the HMDA Wiz interface?
Can I create a HMDA record without being in a transaction?
What is the rate spread?
Can I manually look up the geocoding information?
What options throughout the workflow are related to HMDA reporting?
I am reviewing the HMDA LAR Record report for a transaction for which HMDA Applies is selected. Where in the workflow do I navigate to edit a specific field from this report?
When I take an application and the applicant does not want to provide race, ethnicity, or gender information, must I indicate the disaggregated categories on the Demographics page?
I know that applicant’s or borrower’s age is required to be collected on HMDA transactions but cannot find a field to enter the information. How is age being calculated?
When HMDA Applies is selected, how is the Universal Loan Identifier (ULI) created?
How do the selections made on the Loan Definition page affect Loan Purpose in the HMDA section?
What is the purpose of Dwelling within 2 Years within collateral details for Raw Land-Real Estate?
Is Raw Land-Real Estate reportable for HMDA?
When HMDA Applies is selected, how are Construction Method, Manufactured Home Land Property Interest, and Manufactured Home Secured Property Type defaulted for Single Family, 2-4 Family Dwelling, Mobile Home (Personal Property/Residence) and Raw Land collateral types?
When HMDA Applies is selected, where do I enter Construction Method, Manufactured Home Land Property Interest, and Manufactured Home Secured Property Type for Condo, Non-Residential Real Estate, and PUD collateral types?
What Debt to Income (DTI) ratio is used for HMDA reporting?
When is the DTI not applicable for HMDA reporting?
What selections made on the Loan Definition page or Calculations page affect System in the Underwriting Information section?
When HMDA Applies is selected, how does the selection of Loan Decision in the menu affect Action Taken within the Origination/Disposition area on the Calculations page?
When HMDA Applies is selected, how does the Action Taken selected affect the Action Taken Date within the Origination/Disposition area on the Calculations page?
Is there a scenario where NA is reported for Origination Charges when Action Taken is 6 = Purchased loan?
When HMDA Applies is selected, how do the reasons selected in Document Data for the Notice Of Action Taken affect the Reasons for Denial in the Origination/Disposition area on the Calculations page?
If I am not licensed for the HMDA Wiz interface, after I have selected Create LAR Record, where is my file placed?
What is the purpose of HMDA Processing?
Is there a maximum number of HMDA transactions that may be selected on the HMDA Processing page?
Why am I unable to select my transaction on the HMDA Processing page?
How do I navigate back to the HMDA Processing Home page when I am done making changes to my HMDA transaction when I am in ComplianceOne?
How do I navigate back to the HMDA Processing Home page when I am done making changes to my HMDA transaction when I am in Vanceo?
How do I know that a transaction has been successfully inserted/updated in my HMDA Wiz File when working with transactions on the HMDA Processing page?
How do I know that a transaction has been successfully included in a pipe delimited text file when working with transactions on the HMDA Processing page?
Feature Guide
Supported Products
Supported Features
Prioritized Features
Unsupported Features
Vanceo What's New and Vanceo Help
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Getting Started
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Accounts
Roles
ComplianceOne Mortgage Roles and Permissions
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Online Application-Vanceo™ Mortgage Roles and Permissions
Vanceo™ Roles and Permissions
Administration Help
What's New
Getting Started
Accounts
Organizations
Contacts
Indexes (Applies to Mortgage Transactions)
Fees & Charges (Applies to Mortgage Transactions)
Policies
Policy Groups (Applies to Mortgage Transactions)