It's bad enough that LP is overwriting the liability section, but now I'm finding it's overwriting data in the Income section of my 1003.  I'm basically having to re-verify every single field on the 1003 after LP'ing the file.  This is completely unacceptable.  I have no desire to underwrite a file twice and have LP change data on my system.

I really need 2 things at this point.  1.  I need a list of ALL fields that LP writes back to Calyx and 2.  I need an ETA on when the fix will be in place where the end user can control what fields LP has the ability to update. 

Without that level of control of MY data, I feel that it is in our company's best interest to convert back to 5.0, even if that means that we will be unable to deal with one of our secondary market investors (Flagstar Bank has informed us that 5.1 is a requirement to interface with them).

Chris J. Sauerwein

Please keep listing the issues that you find so that we can correct our bugs as for the release of any kind of patch i don't know when or if that will happen but If any one does know please post this informational.

Please also keep in mind this if Freddies interface, i think some mistakes are in there but we are limited in some changes that can be made such as the sync that you so dislike.

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1.  I have no choice as I am forced to send the file from Freddie to LP as the LP key number is a greyed out field.  If I do not send the data back from Freddie, I run the risk of Freddie opening a 2nd LP key number and thus charging me yet again for the AUS.

2.  The data as it is listed on Freddie is accurate, however the following incorrect data is being imported back to my system.  What is being imported to Calyx is not matching what was on LP. 

A.  It is updating the liabilities fields by removing the R/L(I)/M indicator and removing the months remaining (that, by the way, is manually input by myself as the credit that I pull through the Calyx supported Services menu does not autopopulate).  This causes the DTI on the system to be COMPLETELY out of whack as any mortgage debt is now thrown into the ratios twice.  This is not the ratios on LP and it was not an issue with 5.0.

B.  Borrower's names are changed.  They are adjusted to all caps and if you have any borrowers with an apostrophe,  it is adding &pos to the name.  The names are also thrown to all capital letters.  This is not how the name reads on LP and this was not issues with 5.0.

C.  Any data input into letter L of the VII. DETAILS OF TRANSACTION section of the application (Cash deposit on sales contract, for example) is overwritten to read the word Other in all 4 fields.  I assure you LP didn't say that before I hit send to system and it was not an issue with 5.0.

D.  Any income that is input in the Describe other income section of page 2 of the 1003 is cleared out when updating data from LP with the figure duplicated in the 2 "other" sections, thus making the file appear as though someone recieves twice the income that they actually receive with no explanation of what this income is.  This is NOT how the income was reflected on LP and I can assure you it was not an issue with 5.0.

These are just the problems that I've found in the last 2 days.  Lord only knows that other data is being over written (as I have not seen my requested list of fields that LP has access to yet).  I can't even begin to tell you have fearful I am of the data integrity on my files right now.  I have loan officers' LPing files, I have underwriter's LPing files and I have processors LPing files... SOMETHING is going to get missed... and I do most of my reporting off Calyx and I know for a FACT that the data is now compromised.

To be quite blunt, the ONLY data that I want LP sending to my system is the information located on the Freddie Mac: Loan Prospector screen.  The 'sync-ing' obviously is incorrect as the above information does not match.

5.0 sounds like my only alternative at this point.

I am a small shop and have time to work my way through these problems on a daily basis. But if you have processors, originators etc inputing and LP'ng I would go back to 5.0 immediately. The obvious risk is you think you have an accept only to find down the road that you really didn't. 

I have been on the phone with Freddie Mac (great phone support by the way) trying to work through some of these problems and they have assured me that they have had no upgrades to their system in the last several weeks since I started using 5.1 and all of these problems started.

Any new problems rests soley in the Calyx 5.1 whether it be field mappings or other issues. This may seem overly critical but it seems that Calyx didn't even internally test 5.1 with LP let alone beta test it before releasing it. Would like to know when Calyx will have upgrade fix for these issues.

There are two issues that we know are definitely on Freddie Mac's end and have confirmed such with our Freddie Mac contact. So go slam Freddie Mac on these 2:

1) Borrower name changing to uppercase when it's submitted:  I have copied and pasted the response on this issue from our Freddie Mac LP contact.  This issue rests squarelly on LP's shoulders.  If you take a minute to look at the borrower name on the LP website, you can see the borrower name change to uppercase.   So go slam Freddie Mac on this one. 

2) The requirement to transmit the "Months Remaining" on the liabilities in order for total debt to be calculated on second homes and investment properties.

Both of the above issues rest solely on Freddie Mac's shoulders. I have copied and pasted the response from our Freddie Mac contact on these 2 issues:

"This is the way LP.com works.  Even for System to System.  I can put this in as a change request for a future version though."

The other issues brought up in this forum are being investigated by our QA team.  The QA team spent months testing the LP interface.  Trust me, we take testing very seriously. Actually, Calyx did want to do a customer beta test jointly with LP prior to the 5.1 release, but this request was not accepted by Freddie Mac.  


Bryan
Point Product Manager

How did it become the end users responsibility to contact Freddie Mac on something that is coming through your software product?

My question, point blank, is this... will we have the ability to limit the updating of our Calyx files to the Freddie Mac: Loan Prospector screen or not?  That is will be the determining factor on whether I go back to 5.0 or not.

Don't get my wrong.  I woud love to see these issues fixed too. I have already told our contacts about these issues. I can keep trying. 

Bryan
Point Product Manager

When in LP and you "send to your system" - The credit scores do not populate the calyx fields for either the borrower or co-borrower. I use these fields in my custom merge form for my credit score disclosure form.