From: Draper, Rona
Sent: Friday, October 18, 2019 3:43 PM
To: Lara Rausch <lrausch@PRMG.NET>
Subject: Submissions missing AUS
I wanted to make you aware that when ordering MI loans via Encompass, the DU Recommendation field, which represents Underwriting Method/Decision, does not always pull through to the final submission. We are working with Encompass to resolve systematically, but until that time, are reaching out to customers to be sure they are aware. If DU Recommendation is left blank, it indicates the loan was Underwritten Manually, and not run through DU or LP. Perhaps that is correct, but we wanted to point this out in case you were unaware and your loans are not typically manually underwritten. Manual Underwriting guidelines are more restrictive than Agency AUS findings/responses loan criteria and may result in a suspended loan that would have been a commitment if submitted with a populated DU Recommendation. If you could please pass on this information to your team completing the loan, ordering in Encompass it would be greatly appreciated.