Calyx Software Message Board / Calyx Point / Fannie Mae

Seller Consessions

keystone — Mon, 28 Jul 2008 10:38:06 GMT

Can anyone tell me if the Seller Consessions on Fannie Mae Government screen is tied to Line K on Loan App page 4?

I have an LO who says that he believes that the seller concessions (k. on loan app page 4, under details of transaction), are normally linked to the seller concessions field on the government screen under Fannie Mae. He said when he first started the loan and entered the amount of 8,000 in line K, the amount carried over automatically to the government screen. When he later removed the 8,000 on line k, the amount didn't update on the government screen and caused the issue. He also stated that updating the amount on the government screen does not update the amount on line k.

I tried to replicate what he is saying but can not get this to happen, so I am guessing he is wrong. Can anyone help me out?

deleting DU results from Point?

strawick — Fri, 12 Sep 2008 14:20:33 GMT

I have a borrower that has several properties and we're refi-ing 2 of them, so after putting in all the information (laborious), I copied the file to enter the 2nd loan's info and it copied all the DU results and such as well.

Is there a way I can delete the DU results from the 1st loan in the 2nd loan? (I'm a little new to the Point stuff).

Any help is appreciated.

Thanks

FNMA - System cannot process this request

cpeterson — Wed, 21 Nov 2007 15:22:17 GMT

I get this error message when trying to open the findings within FNMA that is attached to Calyx. I have to go back to Calyx to view the findings there.

If I go direct to efanniemae, I have no problem. FNMA indicates this is an LOS issue since this works.

User 6.0 with 6.0 PDS.

New computer with Vista. I have another user with Vista which this is not an issue.

Any guess?

DU Results will not save in File

EHald — Tue, 05 Aug 2008 11:46:57 GMT

I have a user who cannot get their DU results to save in the borrower file. They are running 6.0b. No matter what borrower file they try, they can run DU initially and get their Credit, etc. but when they go to the Results tab, nothing populates the document box. I have deleted the fannie.ini file, deleted all contents of the \winpoint\work\ folder, cleared IE cookies and temp file, unchecked the "IE Reuse Shortcuts" button, ran GPEDIT and set security to LOW, etc. Nothing seems to work. We even tried a brand new file - he is able to get initial results, but nothing populates back into the borrower file.

I even made him an Administrator on his PC incase it was a permissions issue, but no go. I know something is happening as I can delete the \work\ folder contents, open Point-refresh results, exit Point and there are several .xml files there.

Any ideas? I have also scanned for viruses, spyware, etc.

importing fnm file in efanniemae utscan giving error

ruddhani — Wed, 11 Jun 2008 22:33:17 GMT

Hi,

in our site we provide 1003 loan application and writing in a .fnm file the data entered in a loan application. After downloading the .fnm file we are checking the file by importing it into utscan provided by efanniemae. But it shows error that "error reading header". When opening the file in notepad it shows a 0 like character in place of newline character, where it should not be there in actual .fnm files. After getting the first newline character after the EH line the scanner can not read the file.

Please help me to overcome this problem. Thanks to all.

DODU exceptions

JohnBuell — Mon, 23 Apr 2007 12:12:36 GMT

We recently went through a procedure where we're having everyone use their own logon and branch credentials for Desktop Underwriter, replacing "shared" credentials. However, in some instances, the information for the previous settings still linger, so I've found two places to go to and remove information before resubmitting, so that a DODU Exception message doesn't appear.

First, with a loan open, under Interfaces->Fannie Mae, log out the previous credentials if that option isn't already greyed out. Second, check under the Addendum page in the Desktop Underwriter module, and make sure the branch ID # has been blanked out. With both of those done, it SHOULD resubmit without an error.

Hope this helps!

Error when selecting Fannie Mae interface

BankTrust — Fri, 01 Feb 2008 13:57:02 GMT

Hey guys,

When our users open a loan app page through the Fannie Mae interface, they receive the following error:

"An unsupported operation was attempted."

If I log in as a domain admin, I do not receive the message, leading me to believe that it is a permissions issue. However, I wasnt aware of any special permissions needed for the Fannie Mae interface. Users also receive the same error message when opening Point. I have a feeling that the two are related, but my main concern is getting Fannie Mae working. I add that little piece of information simply for completeness sake.

We are running in a Citrix environment with each user's Winpoint and work folders redirected to a mapped network drive from a file server. We have been running in this environment for the last year or so, and my users are telling me that they began receiving this message a couple of weeks ago. I just found out about it today, so it is hard to say whether or not anything changed at the time they started receiving the message. I am the Citrix admin, though, so no changes should have been made without me knowing about it.

Thanks in advance for any assistance.

Ryan

Overwriting of files after DU download :woot

Hula — Fri, 28 Sep 2007 14:25:04 GMT

WE ARE EXPERIENCING FILE OVERWRITE AFTER DOWNLOADING FROM DU.

WE are on Point PDS 5.4 and are finding that downloading after results are generated on DU will wipe out almost ALL fields. This issue has been growing. At first it was just Liabilities, then VOE, today REO and more fields are just blank after downloading results from DU.

:unsure:

2nd unearned income not counting

sb1920alk — Wed, 19 Sep 2007 16:42:45 GMT

When we have more than one source of unearned income (Retirement AND Alimony, etc.) DO is only recognizing the first source. It's even deleting the 2nd source when we save the results back down to Point.

We're combining them into the first line for now. Does anyone know if this is a problem with Point or with DO?

Thanks,

Liabilities Help Needed

szaino — Thu, 15 Dec 2005 14:14:32 GMT

Don't use DO too much, am an LP guy. I'm sure this has come up before, but would sure appreciate some help.

In Calyx if you mark a liability to be omitted by using the check box it doesn't change the ratio and total debt. The only way Calyx seems to eliminate the liability is to put the monthly payment amount in brackets and now Calyx reports it correctly.

Putting the monthly payment amount in brackets now causes an error message in DO that says a field is missing and it requires a monthly payment amount even if it is going to be omitted. So you fill in the monthly payment for the omitted debt so that you can run DO and get a finding.

Now when you finish in DO and go back to Calyx the monthly payments are back in and your ratios are off in Calyx. Real pain when you are going back and forth with different scenarios.

Am I missing something ?

Microsoft Visual C++ Debug Library Dialog Box??

JohnP — Thu, 26 Jul 2007 13:12:31 GMT

Have 1 user that is getting the attached error dialog box when trying to log into DU thru the DU Interface. Point v5.4a.

Here is what we have tried so far...

1. Reinstalled Point

2. ran a .net repair

3. uninstalled then reinstalled Point (per support)

4. disabled Antivirus then removed all programs from startup (per support)

5. removed/reinstalled Adobe Reader (per support)

6. tried running in Safe Mode (per support)

7. tried running as Admin

8. verified all security settings are correct

9. Cleared the IE Cache

None of these worked. Anyone have any ideas?

Oh and if you click RETRY, it closes Point.

ServiceRouter.aspx - Desktop Underwriter

b1a54 — Fri, 11 May 2007 13:12:25 GMT

I have end users that use Desktop Underwriter. When we click Submit to enter, we now receive a box that pops up asking us to 'Open, Save, or Cancel' on file 'ServiceRouter.aspx. This just recently started happening to us. Can anyone help with this? Does anyone have a solution to the problem? :ermm: Thanks in advance.

Fannie Mae error

verumsol — Mon, 26 Feb 2007 14:44:12 GMT

When I try to open a Fannie Mae report I get the following message Unable to create a Fannie Mae export file.

Ability to switch between DO and DU

jkenny — Mon, 14 May 2007 12:23:32 GMT

Is there any way to allow users to use both DO and DU simutanously in the Interfaces Menu? Under Utilities, FannieMae Connectivity, you must choose either DO or DU - there does not appear to be an option to have both active. We are a lender that has some relationships as a broker with some investors, like Bank Of America and Wachovia. Our loan officers and processors need to be able to select either option without having to reconfigure under Utilities.

How do we do this? Please help.

File Download

johng — Fri, 20 Apr 2007 08:00:34 GMT

I am having problems trying to interface my Point with Fannie Mae DO. This problem has started suddenly - the interface was working fine yesterday morning, but yesterday afternoon it stopped working.

When I try to interface, I get a file download message asking me if I want to download the file ServiceRouter.aspx from desktoporiginator.fanniemae.com?

My Point version is Point-5.4a-856

My Windows version is XP professional, Version 2002, Service Pack 2.

Does anyone have any ideas or suggestions?

Thanks,

Fannie Mae Import Error

bilric — Thu, 19 Apr 2007 10:33:23 GMT

I receive the following error when trying to submit to DO:

*Request Error Object reference not set to an instance of an object.

What do I need to do to correct this?

My Community HUD Area Median Income Limits are not updates

dmorrissette — Mon, 16 Apr 2007 12:52:08 GMT

Is there a step to take to update the HUD Area Median Income Limits. I'm guessing they were updated recently, but Calyx is using the old limits. I tried to do an upgrade, but that didn't help. Any thoughts?

Desktop Underwriter error message

JohnBuell — Thu, 29 Mar 2007 09:48:33 GMT

One of our processors, running Point 5.4 on Windows 2000, is trying to use DU on a loan application. Though it continually gives a message of Windows 2000 not being supported, it has generally worked until now. She clicks OK on her saved user name and password, and a message box flickers, disappears, and a new message box appears:

box title: Fannie Mae Import Transaction

message: Creating Dispatch Failed

Is this an error possibly with the file, or the DU connector in Point, or is this a problem on Fannie Mae's end?

Changing the Submission Option

sb1920alk — Tue, 20 Feb 2007 16:08:09 GMT

How can the selection in Submission Option be changed? We try to keep it as Preliminary Findings as long as possible, but that doesn't work for government loans. Sometimes we need to run a file as a VA loan, and see that the result, and then run it conventional so we can offer multiple options.

Thanks,

Error Retrieving Data. Please try again.

YevetteM — Tue, 30 Jan 2007 11:08:39 GMT

Can not submit a file to Fannie Mae. Can get in, can make underwriting selection. But then when Point tries to send file over, I get the error "Error Retrieving Data. Please try again." I have tried everything. There is no firewall running right now. Fanniemae URL has been added into trusted sites. Cookies and temporary files have been deleted. Point has been uninstalled, and re-installed. IE Version is latest 7.0, Point version is 5.3a with patch. All files have been deleted out of the Winpoint/work directory. WHAT AM I MISSING?:w00t:

HELP!!!!

Debug Error Messages

JohnStream — Wed, 29 Nov 2006 09:43:23 GMT

We have been seeing a lot of pop-up error messages while transferring loan data to and from DU. Most of the time, the only issue is clicking OK to the pop-up message. Sometimes though, when you click OK, the entire Point application shuts down.

The response I received from Calyx is it is a 5.3/Fannie issue and if we need assistance, we should contact Fannie support.

My question is since this release has been available for months, is there any effort to remedy these error messages from either Calyx or Fannie?

Institution ID not recognized

JohnP — Wed, 29 Nov 2006 14:40:19 GMT

I have a user that submitted a file thru DU earlier today. When he went into a new file to submit to DU, the attached error appears. Anyone have any idea why this would come up?

I have already looked into Utilities/Fannie Mae Connectivity and it is set correctly. Any ideas??

Can't send data to Fannie Mae ???

szaino — Thu, 02 Nov 2006 07:20:27 GMT

Yesterday and today when I go to send a loan to DO, I get the box -"Fannie Mae interface" and the "sending loan application data" with the progres bar moving across very slowly and it can never finish sending.

LP works fine, my internet works fine.

I am running 5.2, have never had this pronblem before. Was on the phone with FNMA yesterday and problem seems to be with Point. I can export the file from Point and then outside of point log into DO and import the file into DO and submit it and DO runs it fine.

I haven't done anything new to my settings in Point.

Problems with the Interface since the 5.2 Update

mijrlj — Fri, 06 Jan 2006 13:41:03 GMT

Several of my users are having problems interfacing with FNMA since the update to 5.2. The progress bar moves slowly across the screen, but they never hit FNMA. They can hit the site directly, but not through Calyx.

I have confirmed their IE version (6.0, sp1), deleted cookies and internet files, added www.fanniemae.com and wwww.efanniemae.com as trusted sites. Am at a loss for what to do next.

Any suggestions?

DU and the EmbeddedDX Interface Expiration

JohnStream — Mon, 05 Jun 2006 08:42:08 GMT

Fannie has expired the EmbeddedDX interface to DU. Will 5.2a users be affected?

FHA seller paid prepaids

vmatheny — Thu, 19 Jan 2006 10:24:34 GMT

I have been told that this has been a problem with Point from the beginning of time and would like to confirm this or find the solution if there is one.

When sending an FHA loan to DU from Point, any seller paid prepaids are not reflected in the details of transaction in DU (although they are reflected correctly in Point on the GFE,DOT on the 1003, and MCAW) Therefore, the findings show required funds short by the prepaid amount and the cash reserves are inflated by the prepaid amount. Thus the user must make adjustments in DU by an edit to add the prepaids back in as the seller paid fees include the prepaid amount.

I have played with this for hours and have not come up with a solution. Is there one or is this just one of those things in Point that does not work?

Fannie Mae Import Error in 5.2

sara_mytech — Fri, 13 Jan 2006 13:11:53 GMT

We are getting the following error when attempting to submit a loan via Fannie Mae (Desktop Originator):

Fannie Mae Import Error in 5.2:

*Request Error
>0
:1
:$16#2#2#$255
:service major minor error description
Casefile 2 0 6 Processing error(s) returned from case utils
>0
:1
:##$10$60$15#$255
:FileType FormatType FormatVersion Provider AddInfo Operation Status FileTag
1 1 3.20 10005 2ulylumtwi05jj45wzwt3v2b_0.upd

Anyone have a clue what this could mean? We have Internet, and can get to the site.

Edited to add that this appears to only be happening with one particular computer (and possibly loan)...

FNMA DO/DU, Liabilities & REO

mwm50 — Fri, 06 Jan 2006 14:00:08 GMT

Version 5.2

I received some questions from a user about including/excluding liabilities and REO information for DO/DU purposes. Here are the questions and answers from the email:

Questions:

1) In the previous versions of Point if you put a payment in ()parentheses it didn't count in the ratios & LP read it that way as well. I am finding that you must mark the liability "to be paid off" in order for it not to be counted in LP. Is that what you have found?

2) Is the real estate owned section acting differently? I have a rental property & have filled in value, mtg. payment, & taxes & insurance. I don't want to count the payment & have shown this in the liabilities section, but LP seems to be pulling the payment & tax/insurance amount over & raising my ratios. I didn't think anything was pulled from the real estate owned section before in recent versions of POINT??

Answers:

Parentheses still work to exclude the debt from the ratios in Point but if it is marked with an “M” in the RL(I)M field, it still places the payment into segment 6L of the FNMA file. THIS APPEARS TO BE A CHANGE FROM THE PRIOR VERSIONS. If you mark it as a mortgage from the drop-down, this will fix the problem in FNMA. The alternative is to remove the “M” from the RL(I)M field. This is somewhat inconsistent behavior and probably happened when they updated the application layout or changed the FNMA export procedure. My suggestion is to eliminate all RL(I)M entries and just use the drop-down. With FNMA and FHLMC, these drop-down entries are accurate whereas the “RLIM” entries didn’t support the FNMA EDI codes. In other words, maybe that field should be phased out because it’s not compatible with FNMA. It's probably still there for "legacy" purposes. I do NOT suggest marking the liability "to be paid off". You can use the Omit checkbox to be certain that FNMA doesn't count the liability. This amounts to a bunch of extra work before you submit to AUS.
Point has always exported the REO section to segment 06G of the FNMA file. I have done some experimenting with this section and it seems to be writing the segments correctly. When I test the files I have created, I get several errors but they’re just a result of me not filling out a complete application. Just so you know, I have had this problem with prior versions of Point as well. It depends on the website engine you’re using. Some engines translate it correctly and some don’t. If you're submitting directly to FNMA and having a problem, then it warrants further investigation; if not, it's probably a matter of working with your DO provider/wholesaler to figure out how to fix it.

Comments / Suggestions:

Files originated under the older versions may have the RL(I)M fields automatically set when credit is pulled. Although the debt ratio calculations may still be accurate in Point, sending them to DO/DU may give different results than before. Before submitting, check the Omit box on any debts you want to exclude from the AUS ratios. Don't use parentheses to exclude the debt from ratios (for FNMA purposes), use the Omit box.

FNMA is very sensitive about the REO and mortgages being properly linked. Go to the Interfaces | Fannie Mae | Addendum and make sure you link the liabilities with the properties.

If this is a refinance of the borrower's primary residence, the address of the borrower's current residence on the application and the address on the personal residence listing on the REO schedule must match exactly. There is no other mechanism for Point to tell FNMA that the property is the borrower's personal residence. (Position in the REO schedule doesn't matter anymore.)

Some AUS engines can't deal with missing payments in liability fields. Using parenthesis leaves this segment of the FNMA file blank and can cause errors. This is why checking the Omit box is necessary.

Just because the ratios are correct in Point doesn't mean they will be correct in the AUS. Be certain to check your findings to make sure the AUS is showing the same ratios you are. Even if you get an acceptable finding, the borrower may be eligible for a better finding with lower required documentation if the ratios are wrong.

If someone knows differently or has more information, please post it here.

Errors Uploading 1 primary and 2 co-borrowers

JohnStream — Tue, 04 Oct 2005 10:36:28 GMT

What is the correct way to upload these to Fannie?

Uploading to Desktop Underwriter

Duneroc — Fri, 16 Sep 2005 09:27:42 GMT

When one of my processors had an issue when uploading a brw w/cb1 to Desktop Underwriter. The co-borrower (cb1) information did not import to D.U. therefore causing a manual entry of all information.

Anyone else have this issue and does anyone have a solution?

Thanks to all who reply with suggestions.