Effective July 1, 2023 IncomeXpert implemented controls to eliminate concurrent or simultaneous access of a loan by multiple users.
When does a loan lock or unlock?
Locking or unlocking of the loan is done automatically without additional intervention. Successfully opening a loan will lock the loan and prevent others from accessing it. Intentionally exiting the loan by returning to the Loan page will unlock the loan. Closing the browser does NOT unlock the loan. If you remain on the Borrower, Income, Debt, REO, or Report pages will maintain your lock on the loan.
I’ve been asked to unlock a loan I’m using. How do do that?
Simply navigate back to the LOAN page from the loan you have been asked to unlock.
I’ve been asked to unlock a loan, but I closed my browser. Why is it still locked?
IncomeXpert can’t detect you closed your browser, so the lock will remain on the loan. Best practice is to exit the loan by returning to the Loan page to release a lock, then you can close your browser.
How long can I keep a loan locked?
If you are actively working in a loan and updating income analysis data then the loan lock won’t expire. As soon as you stop editing data on the loan an inactivity timer will begin incrementing. When the inactivity of data updates expires (60min), other users can access the loan. The inactivity timer is looking at the time since the last data update. The inactivity timer is not looking at mouse activity or navigation history of pages in the loan.
What will happen if I try to access a loan that someone else is using?
If you try and open a loan that is in use, you will get a small pop up message letting you know that the loan is in use and can not be opened at this time. The pop up will let you know the user ID who currently has the lock on the loan.
Is there an override or a way to kick out the user who has the loan?
IncomeXpert has an inactivity timeout that will allow other users to access the loan. The inactivity timeout will occur when it has been detected that no changes have been made for 60 minutes. At that point new users can open the loan. Prior to the timeout period users should work with each other to resolve access control issues.
Can I reach out to Blueprint Customer Support to unlock a loan?
No, the Blueprint customer support team will not be able to unlock a loan for you. We suggest users work directly with each other to resolve access control issues, or wait for the inactivity timeout to expire.