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.
Audience: Organizations
Current Limitations
Before placing an order, note these limitations in the Encompass integration:
- Only eNotes generated with eOriginal in the Encompass integration are supported.
- DocMagic notes generated from Encompass are not supported. The following steps relate to eOriginal notes.
- Ginnie Mae notes created via the Encompass integration are not supported.
Please let your Proof Solutions Engineer know if you are interested in support for DocMagic notes or Ginnie Mae notes.
Prerequisites
Before completing a hybrid with eNote closing, confirm the following have been completed:
- 1.Successfully tested Hybrid closings with the Onboarding team.
- 2.eVault has been configured with Notarize with Proof and thoroughly tested.
Process Overview
The hybrid with eNote closing process follows these high-level steps:
- 1.Prepare a loan in Encompass.
- 2.Order documents and add them to the eFolder in Encompass.
- 3.Place an order from the Notarize with Proof eClosing Form in Encompass.
- 4.Check the transaction in Notarize with Proof and send to signer(s).
Complete a Hybrid with eNote Closing
Completing a hybrid with eNote closing from Encompass follows the same procedure as placing an order from Encompass to Notarize with Proof, with a few extra steps:
- 1.Confirm that the following fields are completed in Encompass before placing the order to Notarize with Proof. These fields are required for generating the eNote in eOriginal:
- Loan Amortization Type
- Base Loan Amount
- Maturity Date
- Lender Case Identifier
- Lien Priority Type
- Interviewer Name
- Loan Originator Organization (Field ID 315 Section 9 of URLA)
- Loan Originator NMLSR ID # (Field 3237 Section 9 of URLA)
- MERS Number
- Property:
- Street Address (CD5.X56)
- City (CD5.X57)
- State (CD5.X58)
- Postal Code (CD5.X59)
- County
- Closing Documents:
- Draw City
- Draw State
- ULDD:
- Investor Remittance Day (Field ULDD.X45)
- Regulation Z:
- Late Charge Days
- Late Charge Percent
- Maximum Late Charge (leave blank unless you have a specific value to enter)
- Loan Product Data:
- Rate Adjustment Percent
- Scheduled First Payment Date
- Lien Priority Type
- Closing Cost:
- Closing Disclosure 5
- Settlement Agent Address
- Settlement Agent City
- Settlement Agent State
- Settlement Agent Zip
- Lender Name
- Lender Contact
- Lender Contact NMLS ID
- ICE Mortgage Technology Document: The Note to Pay values are set inside the Closing Document Data modal on form 'RegZ-CD.' The override toggles must be turned on (green) for the information to be consumed.
- Nt Pay To Street Address (Closing.NtPayToStreetAddr1)
- Nt Pay To City (Closing.NtPayToCity)
- Nt Pay To State Code (Closing.NtPayToState)
- Nt Pay To Zip (Closing.NtPayToZip)
- Borrowers:
- First Name
- Last Name
- Middle Name
- Phone Number
- 2.After ordering documents and adding them to the eFolder, open the Notarize with Proof eClosing form and select Hybrid with eNote Closing. If any required field values are missing, a red error message will list which fields need attention. Fill in the required fields and select Update Order on the Notarize with Proof eClosing form to create the eNote on the draft transaction created from the original 'Place Order' call.
- 3.After selecting Place Order, the closer will receive an email notifying them that documents are ready to send once they finish processing on Notarize with Proof. When done processing, the transaction status on the Notarize with Proof eClosing form in Encompass will display a ready_to_send status (refresh the form to see this).
If you have Auto-Send enabled on your account, the transaction will automatically send to the signer(s) and you will not receive an email — unless the documents need attention before sending due to a processing or tagging failure. If Auto-Send is enabled, you will not need to complete steps 5–7 below.
- 1.Log in to Notarize with Proof to view the transaction. The closer on the file will have access to change any information on the transaction and switch the toggles for e-sign vs. wet-sign documents. You can open documents to check signature placements as well. Submit any errors or feedback regarding your documents to your Onboarding team for them to fix. Note that the paper note you ordered in Encompass will be suppressed from the transaction if an eNote is present.
- 2.The eNote seed file is created in eOriginal and generated on the transaction in Notarize with Proof. It is automatically labeled
[LOAN NUMBER]_eNote.xmlin both eOriginal and Notarize. Social Security numbers are automatically applied to signers. - 3.If all details on the transaction and documents look correct in Notarize with Proof, click Send to Signer. The transaction will then be sent to the signer(s). Signers will have to pass KBA (knowledge-based authentication) to sign the transaction due to the eNote.
- 4.After signing is complete, the e-signed documents will be pushed back to Encompass based on your Integration Settings in Notarize with Proof. See Document pushback options for more information.
For Title Agents
Title agents can upload completed wet-signed documents to the hybrid transaction and push them directly to Encompass. See instructions for uploading wet-signed documents to hybrid transactions for title agents. Contact your Proof Solutions Engineer if you would like this feature enabled on your Lender account.
For Your Signers
Signers receive guided instructions through the hybrid closing process. See the hybrid closing overview for a walkthrough of the signer experience.
Summary Checklist
- Confirmed eOriginal eNote support (not DocMagic or Ginnie Mae).
- Completed prerequisite testing: hybrid closings and eVault configuration.
- All required Encompass fields populated before placing the order.
- ICE Mortgage Technology override toggles set to green.
- Selected "Hybrid with eNote Closing" in the eClosing form and resolved any red error messages.
- Reviewed transaction and documents in Proof, then clicked Send to Signer.
- Confirmed e-signed documents pushed back to Encompass after signing.
If you are still unsure, the support team is available to help. Submit a support request or chat from any page in the app.
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.
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.
Encompass Integration Overview for Lenders
The Encompass integration with Proof enables lenders to seamlessly automate loan processing and closing document management by converting Encompass loans into Proof transactions, allowing order placement and updates via a custom form within Encompass, automatically pulling borrower data and documents through ICE Mortgage Technology's APIs, and ensuring eSigned documents are pushed back into Encompass for centralized tracking across various closing types including hybrid and online closings.
Encompass Integration Supported Features and Requirements
The Notarize with Proof Encompass integration supports hybrid, hybrid with eNote, and online closings via a custom form, requiring collaboration between Notarize with Proof and the lender to configure and test the integration in UAT and Production environments, adherence to specific validations such as properly formatted contact information, limited borrower and signer counts, unique signer emails, and use of original ICE Mortgage Technology documents ordered to the Encompass eFolder, with API keys provisioned by ICE Mortgage Transactions and thorough lender testing and training before going live.
Complete a Hybrid Closing from Encompass – Proof Help Center
The article details the step-by-step process for organizations to complete Hybrid closings (combining e-signatures and wet signatures) by placing a Hybrid Closing order via the Notarize with Proof eClosing form in Encompass, monitoring document processing status, reviewing and adjusting documents in Proof, sending them to signers, and finally receiving e-signed documents back into Encompass according to integration settings.
Test the connection between eOriginal Notes and Proof – Proof Help Center
The document provides detailed instructions for organizations with owner or admin roles to verify the connection between eOriginal's Test on Demand (TOD) account and Proof's Fairfax sandbox environment by creating test eNote transactions via the Proof web UI or API/Encompass integrations, including prerequisites, step-by-step procedures for generating and verifying eNotes in the eOriginal Vault, and guidance on using dummy or real signer data as needed.