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Encompass & IncomeXpert Workflow with Document Upload

The IncomeXpert and Encompass Partner Connect integration simplifies your underwriting and processing workflow by allowing you to upload, review, and analyze borrower income—all within Encompass. Please refer to the accompanying video tutorial for detailed, step-by-step instructions. Key Benefits Seamless Workflow: Upload income docs directly from Encompass via Blueprint IncomeXpert in the Services tab. Smart Automation: Documents are automatically classified and key data is extracted using AI-driven systems. Human-in-the-Loop to ensure quality: If automated results aren’t

Encompass & IncomeXpert Workflow Within Encompass Partner Connect

You can now conveniently access and use IncomeXpert directly within your Encompass system via Encompass Partner Connect. This seamless integration allows you to complete income evaluations without ever leaving the Encompass environment. To help you get started, we’ve attached a video tutorial and presentation that provide a step-by-step walkthrough of the entire process—from launching IncomeXpert within Encompass to completing a full income evaluation. When working in the web view of Encompass, you can use the

Accessing the Encompass e-folder and Services Tab

When using IncomeXpert within Encompass Partner Connect, it’s important to be aware of a known system limitation in Encompass: the eFolder becomes inaccessible when the Services tab is active. This can cause frustration when trying to review income documentation alongside your automated or manual income calculations. To work around this, you can temporarily launch your loan in Encompass Web View, which allows you to access the eFolder independently—while continuing your income review in the

Updates to REO Controls in IncomeXpert

We have made updates to our rental income screen and REO (Real Estate Owned) controls designed to improve efficiency, enhance clarity, and maintain compliance with agency guidelines. Our first change is the consolidation of qualifying questions across properties. Previously, users were required to answer the same set of questions for each individual property—resulting in repetitive clicks and inefficiencies. With this update, your responses to the qualifying questions will now apply universally across all REO properties

Understanding the May 2025 Updates to FHA and VA Variable Income Calculations

Effective May 19, 2025, changes have been implemented to how variable income is calculated within our system. These updates are the result of valuable client feedback following our March 2025 release, which brought FHA and VA income calculations more in line with those used for conforming loans. After a thorough analysis, we’ve refined the way certain income types are handled to better align with FHA Handbook 4000.1 guidelines. Overview of the Changes The recent updates

One or Two Tax Year Review for Self Employed Incomes

A common question we receive from clients is in regards to a “one year” review of the most recent tax year on their borrower’s self-employed income versus a “two year” review. I sent in 1065/1120S/1120 but only sent one year of tax returns. Why did your system give me “no income” and require 2 years? Our system is designed to default to a two-year review of self-employed income, as this aligns with standard agency guidelines.

Non Recurring Income/Loss for Self Employed Incomes

One of the most common questions we receive from clients with borrowers who are self-employed is “Why did Blueprint subtract income when it shows a positive number on my business tax form?” This article will explain those instances and how to adjust your review accordingly. The following line items are examples of types of incomes that are referred to in the guidelines as ‘non-recurring income/losses’. These items reflect income or expenses that are not considered

Using Encompass Partner Connect (EPC) with Income Expert using two Encompass Instances

Please note this link to the Quick Reference Sheet. This PDF guide outlines the steps demonstrated in the video. You can download and print it from the related help article, making it easy to follow along during the setup. Using EPC with Two Encompass Instances Starting the Integration When you’re ready to begin income evaluation during your underwriting review: Set up your loan in Encompass. Navigate to the Services tab. Click Order Additional

How to Use IncomeXpert from the Encompass Services And the Blueprint Website

This training video walks you through the process of using IncomeXpert within the Encompass services tab. It is designed for underwriters, processors, or team members responsible for reviewing income. 1. Prepare Your Loan File in Encompass: Complete your underwriting review. Ensure employment income has been entered. Ensure other income (child support or alimony for example) has been entered. Investment properties are entered into the REO section on page 3. Access IncomeXpert from the

Reprocessing Documents in IncomeXpert PLUS

Documents uploaded for review and extraction with IncomeXpert PLUS are processed based on the tax years and agency selected. The system will extract the numbers from the correct places on the documents and enter those numbers into the software, giving you your final income calculations. This is what we call “processing of documents”. Reprocessing will re-analyze previously uploaded documents and re-extract the document data and apply it to the loan file. When is reprocessing