Common Encompass Error Messages – Proof Help Center
The Proof Help Center provides lenders with a glossary of common Encompass error messages—such as missing or invalid borrower and contact information, missing closer contact, and account configuration issues—that prevent sending loans for online closings, along with specific instructions to identify and resolve each error to ensure successful closings through Notarize with Proof.
Audience: Lenders
Notarize with Proof prevents closers from sending loans until every last detail for a successful closing is provided and enables hard-stops on orders if there is an issue with the loan.
Use this glossary to quickly identify and resolve Encompass error statuses. Search for the error below to see how to resolve it and move forward with sending closings from Encompass to Notarize with Proof.
Note: Errors are listed in alphabetical order. If you encounter an error that is not yet documented here, please notify the Knowledge Management team.
Error Messages and Resolutions
account_not_enabled_for_full_eClose
If you are attempting to place an online closing from Encompass and receive this error message, please reach out to your Proof Solutions Engineer. Your account must be configured for online closings, and there are prerequisites that must be met prior to scaling with online closings.
borrower_{borrower_id}_email_empty
The borrower's email is empty.
borrower_{borrower_id}_email_invalid
The borrower's email is invalid.
borrower_{borrower_id}_first_name_empty
The borrower's first name is empty.
borrower_{borrower_id}_last_name_empty
The borrower's last name is empty.
borrower_{borrower_id}_vesting_type_empty
The borrower's vesting type on the Vesting Form is empty.
closer_contact_missing
The loan is missing a contact with the Closer role.
contact_{contact_id}_email_invalid
A contact's email is invalid.
contact_{contact_id}_email_or_phone_empty
A contact's email or phone is empty.
contact_{contact_id}_first_name_empty
A contact's first name is empty.
contact_{contact_id}_last_name_empty
A contact's last name is empty.
contact_{contact_id}_phone_invalid
A contact's phone is invalid.
Contacts on the Loan are Missing Required Fields
See example contact_{contact_id}_last_name_empty — a contact's last name is empty. Note that the field number shown does not always match the field number listed under File Contacts. For example, the error might say Escrow Company is File contact '7', but it could actually be '20'.
documents_finalization_failed
The finalized documents couldn't be pushed back.
documents_import_failed
Notarize with Proof failed to pull Closing Documents. Please reach out to your Proof Solutions Engineer if you are receiving this error when sending a closing package from Encompass.
employee_missing
The loan does not have an associated Proof account to assign the transaction to. The system defaults to the organization's owner if nothing is found, so this should never happen.
enote_data_invalid
Notarize with Proof failed to generate a valid eNote from the data provided. When attempting to place a hybrid + eNote or Online Closing, this error will occur if not all required fields to generate an eNote are filled out. The missing fields will be outlined and must be updated before clicking 'Update Order' to generate the eNote.
invalid_loan
The create/update operation failed. Possible reasons:
- Something on the loan is incorrect
- The order type is not supported yet
- The Encompass API user does not have permissions to view this loan
- Something unexpected happened on Notarize with Proof
EBS-901 permissions — current user does not have the privileges to perform this operation:
- API user must have all "edit" permissions on a loan.
- The loan must be assigned to a person with access to Encompass Mobile Connect.
- Check the milestone that the loan is in (access needed).
- User Group associated with API account must have both access to the Loan Folder the Loan File is in and Edit Access to Other's Loans.
invalid_vault_configuration
The organization placing an order does not have a vault configured. Orders with eNotes cannot be sent until a vault is configured. Please work with your Proof Solutions Engineer to confirm your eVault is configured to your Proof account and your Proof account is configured to accept eNotes from Encompass.
loan_borrowers_empty
No borrowers were found on the Loan because the borrower cards are empty.
loan_closing_date_or_scheduled_closing_date_expired
One of the following dates is expired:
- Borrower Summary > Processing > Transaction Details: the Est Closing Date is expired, OR
- Closing Disclosure Page 1 > Closing Information: the Closing Date is expired.
loan_estimated_closing_date_empty
The loan is missing an estimated closing date.
loan_estimated_closing_date_expired
The loan estimated closing date is in the past.
loan_has_more_than_one_borrower_pair
There is more than one borrower pair in Encompass. Only loans with one borrower pair are supported.
loan_has_more_than_2_signers
There are more than 2 signers on the Loan. Only loans with 2 signers are supported because templates with 2+ signers are not supported.
loan_has_more_than_10_signers
Beta support for up to 10 borrowers was introduced. A feature flag controls 2 vs. 10 max borrower validation.
loan_loan_number_empty
No loan number was found on the loan object retrieved from the Encompass API. This should never happen.
loan_number_matches_more_than_one_transaction
More than one transaction in Notarize with Proof was found for that Lender and given loan number. If a loan already exists in Notarize with Proof, you must either rename it or delete it (if you are trying to send a brand new loan). If you take these steps, also handle the eNote for transactions that include eNotes.
loan_purpose_empty
The loan is missing a purpose (converted to transaction type in Notarize with Proof).
loan_subject_property_address_empty
The loan subject property is missing an address line.
loan_subject_property_city_empty
The loan subject property is missing a city.
loan_subject_property_state_empty
The loan subject property is missing a state.
loan_subject_property_zip_empty
The loan subject property is missing a postal code.
loan_system_id_empty
No ID was found on the loan object retrieved from the Encompass API. This should never happen.
missing_loan_number
The request's body from Encompass to Notarize with Proof did not contain the loan_number parameter. Please confirm your loan has a loan number associated with it.
no_notarization_configuration_found
Confirm the CDO is present and named notarize_config.
non_borrower_owner_{borrower_id}_email_empty
A non-borrowing owner's (title only signer) email is empty.
non_borrower_owner_{borrower_id}_email_invalid
A non-borrowing owner's (title only signer) email is invalid.
non_borrower_owner_{borrower_id}_first_name_empty
A non-borrowing owner's (title only signer) first name is empty.
non_borrower_owner_{borrower_id}_last_name_empty
A non-borrowing owner's (title only signer) last name is empty.
non_borrower_owner_{borrower_id}_vesting_type_empty
A non-borrowing owner's (title only signer) vesting type on the Vesting Form is empty.
transaction_completed
An update call failed because the transaction in Notarize with Proof is completed.
transaction_not_editable
An update call failed because the transaction in Notarize with Proof was sent to the signer and cannot be recalled at this time.
transaction_not_found
No transactions in Notarize with Proof were found for that loan number.
unsupported_amortization_type
The loan amortization type is not supported for Online Closing. Only Fixed rate loans are supported.
unsupported_closing_entities
Notarize with Proof requires an email address to consume contacts on the loan, so any contacts added via the Vesting Form in Encompass will need to have an email address added under Tools > File Contacts in Encompass. If an email address is missing, you will receive an unsupported closing entities error.
unsupported_loan_trustees
The loan has signers signing on behalf of a Trust on the Vesting Form. These kinds of signers are not supported yet.
unsupported_product_plan
The loan product plan is not supported for Online Closing. Plan support is dictated by MISMO SmartDoc standards. This configuration only applies to ARM loans.
waiting_for_documents
A yellow waiting for documents status will appear after placing or updating orders from Notarize with Proof. This status displays if the transaction was received by Notarize with Proof and there are no Closing Documents to pull. To troubleshoot, confirm 'Keep copy of document in Original Format' is checked and documents have finished uploading to the eFolder.
Still unsure? If you've worked through the checklist above and are still seeing an error, reach out to your Proof Solutions Engineer for hands-on troubleshooting.
Related
Complete an Online Closing from Encompass – Proof Help Center
The article explains that fully digital online closings using Encompass integrated with Notarize with Proof require specific prerequisites such as eOriginal eNotes and onboarded title agents, follow a defined workflow routing orders from lender to title to closing operations before reaching the signer, and highlights current limitations including unsupported DocMagic and Ginnie Mae notes.
What Is eClosing Software? | Proof
eClosing software enables lenders, title agents, and homebuyers to complete mortgage loan closings entirely online or through hybrid methods by streamlining document collection, reducing errors, and saving time through comprehensive digital tools for preparation, signing, notarization, and recording.
Complete a Hybrid with eNote Closing from Encompass – Proof Help Center
The Proof Help Center guide details the process for completing a hybrid loan closing with eNote from Encompass using eOriginal, highlighting current limitations (support only for eOriginal-generated eNotes, excluding DocMagic and Ginnie Mae notes), prerequisites such as successful onboarding and eVault configuration, and specific required Encompass fields (including loan details, property address, and ULDD data) that must be completed before placing an order through the Notarize with Proof eClosing form to generate and send the eNote for signing.
Close: Digital Real Estate Closing Platform by Proof
Proof's Close platform is a pioneering digital real estate closing solution that enables lenders, title agents, and real estate professionals to conduct compliant, secure, and efficient remote online notarizations and eClosings with flexible notary options, instant document delivery, robust fraud protection, seamless integration with existing workflows, and a borrower-friendly experience backed by over a decade of expertise and millions of automated compliance rules.
2024 Standards for Online Notarization
The article emphasizes that rising deed fraud in the U.S. can be mitigated by using certified remote online notarization (RON) platforms like the MISMO-compliant PROOF platform, which ensures secure, standardized, and trustworthy notarization processes through stringent identity verification, recording, and audit trail requirements during real estate property transfers.
eVault & eOriginal Integration Overview
The eVault & eOriginal integration allows Proof customers with an active eOriginal account to securely store notarized documents and eNotes in a tamper-proof electronic vault that permanently seals documents and signatures to create an unalterable audit trail, with setup guides available for business and real estate transactions and support offered through Proof's app.