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Feature 422848: Required Fields and AUS Page UI Updates

Ashley Bor
  • Updated

OVERVIEW

  • This Feature includes UI updates that streamlines the way in which “Required fields” and field label capitalizations are displayed throughout the OPOS application.
  • Additionally, there have been some messaging updates made on the OPOS AUS page along with some modifications as to when the AUS page can be accessed by the OPOS user.

 

Description

  • The following updates have been made to the way the “Required Fields” are displayed throughout the OPOS application:
  1. All small Black asterisks on the OPOS application displayed next to “Required fields” have been changed to be small red asterisks.
  2. All “Required fields” fields that previously only showed the small red asterisk without a red border form validation when RESPA 6 pieces were entered will now be displayed with a red border form validation when the RESPA 6 pieces are entered along with the small red asterisk they already had.
  3. All fields that previously only showed a red border form validation when 6 RESPA pieces were entered without a small red asterisk will now display a small red asterisk next to their field labels along with the red border form validation they already had.
  4. A few fields’ labels throughout the OPOS application have been standardized. Please refer to the list of the updated fields in the Detailed Functionality section below.
  5.  The existing AUS link on the OPOS Loan Mega menu has been updated to be accessible for the OPOS user at all times. However, users will only be allowed to request AUS when all fields required to run AUS have been filled. There has been no changes to the list of fields that are required to run AUS.
  6. The “1st Balance” field on the Shop for rates page for Refinance loans previously contained a red asterisk indicating that it was a Required field when it was NOT. That red asterisk has now been removed.
  7. The old messaging on the AUS page that said "Please Re-run Du or LPA - If you updated current income please click on the 'Submit' or 'Submit LPA' button" has been updated.
    1. The new message states “Please Re-Run DU or LPA - If you updated your current income, please click on the "Submit DU" or "Submit LPA" button.”
    2. There has also been an update as to WHEN this message is going to be displayed on the AUS screen, instead of the current logic where this message is displayed to the AUS user at all times.

 

Detailed Functionality

  1. The following fields on the OPOS application had a small black asterisk. All of these fields will now have a small red asterisk next to their field’s labels.
    1. Personal Tab (Refer screenshot of Personal tab showing Black Asterisks in Notes for Dev Section)
      1. First Name
      2. Last Name
      3. Phone (preferred)
      4. Employment Status
      5. Citizenship
      6. Military Service
      7. Date of Birth
      8. SSN
      9. Marital Status
      10. Names currently on title
      11. Names to be on title
    2. Property Tab 
      1. Property Address (Section Header)
      2. In a PUD
      3. Purchase Price & Date (Refinance Transaction)
      4. Purchase Price (Purchase Transaction)
      5. Estimated Value (Refinance Transaction)
      6. Loan Amount
      7. Purpose of Refinance (Refinance Transaction)
      8. Down Payment Source (Purchase Transaction)
      9. Borrower Current Address & Info (Section Header)
      10. Borrower Mailing Address (Section Header)
      11. Co-Borrower Current Address and Info section (Section Header)
      12. Co-borrower Mailing Address section (Section Header)
      13. Borrower Previous Address & Info section (Section Header)
      14. Co-Borrower Previous Address & Info section (Section Header)
      15. Monthly Rent field
      16. Time at address field (Borrower address)
      17. Time at address (Co-borrower address)
    3. Assets Tab 
      1. Asset Type
      2. Financial Institution
      3. Account #
      4. Cash or Market Value
    4. Demographics Tab 
      1. What is your race?
      2. What is your ethnicity?
      3. What is your sex?
    5. Declarations
      1. Declarations All fields required
    6. Income Tab
      1. Employment Type 
        1. If 'Active Military Duty', then
          1. Rank
          2. Years on this job
          3. Duration In same field
          4. Branch
          5. Business Phone
          6. Military Base Pay
      2. If 'Employed', then
        1. Position
        2. Type of Business
        3. Years on this job
        4. Duration in same field
        5. Company Name
        6. Business Phone
        7. Base Pay
      3. If Self Employed, then
        1. Position
        2. Type of Business
        3. Years on this job
        4. Years in same field
        5. Company Name
        6. Business Phone
        7. Base Pay
      4. If Retired, then
        1. Retirement Date
      5. If Other/Unemployed
        (No additional required fields here, the Employment Type Dropdown itself will have the Red asterisk, when the dropdown value is set to Other/Unemployed)
    7. When Employment type = Retired, "Other Income- All fields required"
  2. The following fields on the Shop for rates page previously had a Large red asterisk next to their field labels that have now been updated into small red asterisks
    1. 1st Balance
    2. In a PUD
    3. Estimated Value
    4. Base Loan Amount
    5. Employment Type
    6. Citizenship
    7. Decision Score
  3. There have been additional updates to the “REO Flyout”, “Property Tab” and the “Personal Tab” to standardize the display of the small red asterisk along with the red border form validation
    1. REO Flyout:
      1. Previously, the Property Address & Info Section Header did not have an Asterisk even though all the fields within it are required.
        A small red asterisk has now been added next to the Property Address & Info section header to indicate that all the fields within the section are required.
      2. Previously, the Zip Code text field did not get highlighted in Red like the rest of the Property address fields when RESPA 6 pieces were entered even though it is a required field.
        The Zip Code field is now also highlighted in Red when the rest of the Property address fields are highlighted in Red
      3. Previously, the fields Lender Name, Lien Position, Monthly Payment, Homeowner's Insurance and Property Tax had a red highlight but did not have an Asterisk.
        A small red asterisk has been added next to each of these field labels to indicate they are required fields.
    2. Property Tab:
      1. Previously, the fields Property Type and Occupancy Type did not have a Red Asterisk even though they are required fields.
        A small red asterisk has been added next to each of these field labels to indicate that they are required fields.  
      2. Previously, the Zip Code text field did not get highlighted in Red like the rest of the Property address fields even though it is required field
        The Zip Code is also highlighted in Red when the rest of the Property Address fields on the Property tab are highlighted in Red.
    3. Personal Tab:
      1. When an OPOS user clicks on the “Invite to Complete a Task Online” button, to open the modal requesting Borrower emails, all the fields within the modal will now have a small red asterisk next to their field labels.
      2. The following fields within the modal will have the small red asterisk
        1. Email
        2. Confirm Email
        3. Online User
          1. If yes, then
            1. Security Question
            2. Security Answer
  4. The following field labels on the Loan Application and Shop for Rates page have been updated:
    1. mceclip1.png
  5. The (enable/disable) rules on the option "AUS" (link) on the Loan menu has been removed so that the user can navigate to the AUS screen(s) at any time.
  6. The same rules/logic used for enabling the AUS link in the Loan menu are now used to control the display of a warning message bar onto the top of the AUS page under the black contextual bar as follows:
    1. Is displayed when all criteria is not met
    2. Is removed when all criteria is met
    3. Warning Message Details:
      1. Title: "Missing Fields”
      2. When the System Admin configuration
        1. Sys Admin/Configuration/Configuration Environment/Pricing.DisplayTemporaryAppraisedValueForRefinance = False
        2. OR
        3. Sys Admin/Configuration/Configuration Environment/Pricing.DisplayTemporaryAppraisedValueForRefinance = True AND Loan Purpose = Purchase:
          1. Message Text: Missing Fields – In order to run AUS, you must complete all required fields on the loan application and apply a loan product.
      3. When the System Admin configuration
      4. Sys Admin/Configuration/Configuration Environment/Pricing.DisplayTemporaryAppraisedValueForRefinance = True AND Loan Purpose = Refinance:
        1. Message Text: Missing Fields – In order to run AUS, you must complete all required fields on the loan application and apply a loan product. Temporary Appraised Value can be used in lieu of Estimated Value.
    4. The rules on the option "AUS" on the Loan menu, will be used to control the disable/enable of buttons on the AUS page as follows:
      1. Disable buttons (DU/LPA) when all criteria not met
      2. Enable buttons (DU/LPA) when all criteria is met
  7. The trigger and the messaging for the “Please Re-run Du or LPA – If you updated current income please click on the ‘Submit Du’ or ‘Submit LPA’ button” on the AUS page has been updated:
    1. New Message: “Please Re-Run DU or LPA – If you updated current income, please click on the “Submit Du” or “Submit LPA” button”
    2. Previously, this message was displayed on the AUS page at all times.
    3. With this feature, the message is now only displayed when
      1. The "Stay with Current Income" card on the AUS page already has a "D1C","AIM" or "BOTH" pill.
      2. AND The Income for a borrower with a Pill on the "Stay with Current Income" card is updated on the Income Tab
      3. AND The Pill on the "Stay with Current Income" card is removed due to the update on the Income tab
    4. If user clicks on "Accept & Re-Run AUS", "Submit DU" or "Submit LPA" on the AUS page, this message is cleared, i.e. NOT be displayed anymore

 

Configuration & Prerequisite Information

  • To test the Point #6 from the Detailed Functionality, the System Administration Configuration field Pricing.DisplayTemporaryAppraisedValueForRefinance will need to be updated to TRUE/FALSE base on the Test Case. (See Test Case)

 

Acceptance Criteria

Use Case # 1: Modify the small black asterisks and large Red asterisks on the applications to be small red asterisks

  1. Verifying the small black asterisks
    1. Log in to LC as a LO
    2. On the Personal tab
    3. Verify The following required fields have a small red asterisk next to their Field Label:
      1. First Name
      2. Last Name
      3. Phone (preferred)
      4. Employment Status
      5. Yrs of School
      6. Marital Status
      7. Military Service
    4. Go to the Property tab
    5. Verify The following required fields have a small red asterisk next to their Field Label:
      1. Property Address (Section Header)
      2. Purchase Price
      3. Loan Amount
      4. Down Payment Source
      5. Borrower Current Address & Info (Section Header)
      6. Time at address
    6. Go to the Assets tab
    7. Verify The following required fields have a small red asterisk next to their Field Label
      1. Financial Institution
      2. Account #
      3. Account Type
      4. Amount
    8. Go to the Demographics tab
    9. Verify The following required fields have a small red asterisk next to their Field Label
      1. What is your race?
      2. What is your ethnicity?
      3. What is your sex?
    10. Go to the Declarations tab
    11. Verify The following required fields have a small red asterisk next to their Field Label
      1. All fields required
    12. Go to Income tab
    13. Verify The following required fields have a small red asterisk next to their Field Label
      1. Employment Type
        1. If 'Active Military Duty', then
          1. Rank
          2. Years on this job
          3. Years in same field
          4. Branch
          5. Business Phone
          6. Military Base Pay
        2. If 'Employed', then
          1. Position
          2. Type of Business
          3. Years on this job
          4. Years in same field
          5. Company Name
          6. Business Phone
          7. Base Pay
        3. If Self Employed, then
          1. Position
          2. Type of Business
          3. Years on this job
          4. Years in same field
          5. Company Name
          6. Business Phone
          7. Base Pay
        4. If Retired, then
          1. Retirement Date
        5. If Other/Unemployed
          (No additional required fields here, only the Employment Type Dropdown itself)
    14. Go to the Shop for Rates screen
    15. Verify The following required fields have a small red asterisk next to their Field Label
      1. 1st Balance
      2. In a PUD
      3. Estimated Value
      4. Base Loan Amount
      5. Employment Type
      6. Citizenship
      7. Decision Score
    16. Verify The following field DOES NOT have a small red asterisk next to their Field Label
      1. 1st Balance

Use Case # 2: "Modify the fields so that red border form validation is applied to the fields listed with a small red asterisk when the RESPA6 pieces are entered." & "Modify field label for any field that shows as red border form validation to include the small red asterisk"

  1. Red border highlight and adjacent asterisk
    1. Login to LC as the LO
    2. Enter 6 pieces and run credit
    3. Access the REO flyout on the Credit tab
    4. Verify The following required fields have a small red asterisk next to their Field Label
      1. 'Property Address & Info' Section Header
      2. Lender Name 
      3. Lien Position
      4. Monthly Payment
      5. Homeowner's Insurance
      6. Property Tax
    5. Delete Data from the Zip Code field (if it contains any) 
    6. Verify The Zip code text field highlights Red to indicate missing data
    7. Go to the Property Tab
    8. Verify The following required fields have a small red asterisk next to their Field Label
      1. Property Type
      2. Occupancy Type
    9. Delete Data from the Zip Code field (if it contains any)
    10. Verify The Zip code text field highlights Red to indicate missing data
    11. Go to the Personal tab
    12. Click on the 'Invite to Complete a Task Online' button
    13. Verify The following required fields have a small red asterisk next to their Field Label
      1. Email
      2. Confirm Email
      3. Online User
    14. Set the 'Online User' field toggle to 'Yes'
    15. Verify The following required fields have a small red asterisk next to their Field Label
      1. Email
      2. Confirm Email
      3. Online User
      4. Security Question
      5. Security Answer

Use Case # 3: Modify the field label capitalization on the loan application

  1. Login to LC as the LO
  2. Verify The following fields have been updated according to the 'After' column in table below
  3. mceclip2.png

Use Case # 4.1: "Pricing.DisplayTemporaryAppraisedValueForRefinance" = False

  1. Go to Sys Admin Configuration - Environment 
  2. Set the config "Pricing.DisplayTemporaryAppraisedValueForRefinance" = False (If it's not already False)
  3. Create a Refinance Loan
  4. Verify The AUS link is enabled in the Loan Menu - Action Column
  5. Click on the AUS link in the Loan Menu to be directed to the AUS Page
  6. Verify The following message is displayed on the message bar on the top:
    "    In order to run AUS, you must complete all required fields on the loan application and apply a loan product."
  7. Save the Loan
  8. Go to the Fannie Mae - DU tab
  9. Verify The "Submit DU" button is disabled
  10. Hover the cursor over the "Submit DU" button
  11. Verify The following message is displayed: 
    "In order to run AUS, you must complete all required fields on the loan application and apply a loan product."
  12. Complete the Loan Application to get green checkmarks on all tabs.
  13. Apply a loan product
  14. Click on the AUS link to be directed to the AUS Page
  15. Verify The following message is NOT displayed on the message bar on the top:
    "In order to run AUS, you must complete all required fields on the loan application and apply a loan product."
  16. Go to the Fannie Mae - DU tab
  17. Verify The "Submit DU" button is enabled
  18. Go to the Freddie Mac - LPA tab
  19. Verify The "Submit LPA" button is enabled
  20. Repeat steps 3-19 for a Purchase Transaction

Use Case # 4.2: "Pricing.DisplayTemporaryAppraisedValueForRefinance" = True AND Loan Purpose: Refinance

  1. Go to Sys Admin Configuration - Environment 
  2. Set the config "Pricing.DisplayTemporaryAppraisedValueForRefinance" = True
  3. Create a Refinance Loan
  4. Verify The AUS link is enabled in the Loan Menu - Action Column
  5. Click on the AUS link in the Loan Menu to be directed to the AUS Page
  6. Verify The following message is displayed on the message bar on the top:
    "    In order to run AUS, you must complete all required fields on the loan application and apply a loan product. Temporary Appraised Value can be used in lieu of Estimated Value."
  7. Save the Loan
  8. Go to the Fannie Mae - DU tab
  9. Verify The "Submit DU" button is disabled
  10. Hover the cursor over the "Submit DU" button
  11. Verify The following message is displayed: 
    "In order to run AUS, you must complete all required fields on the loan application and apply a loan product. Temporary Appraised Value can be used in lieu of Estimated Value."
  12. Complete the Loan Application except the "Estimated Value" field
  13. Ensure a non-zero value is entered for the "Temporary Appraised Value" fields on the Property and Credit Tab(REO Flyout)
  14. Verify The Property tab does NOT have a green check mark
  15. Apply a loan product
  16. Click on the AUS link to be directed to the AUS Page
  17. Verify The following message is NOT displayed on the message bar on the top:
    "    In order to run AUS, you must complete all required fields on the loan application and apply a loan product. Temporary Appraised Value can be used in lieu of Estimated Value."
  18. Go to the Fannie Mae - DU tab
  19. Verify The "Submit DU" button is enabled
  20. Go to the Freddie Mac - LPA tab
  21. Verify The "Submit LPA" button is enabled
  22. Go back to the Property Tab and enter a value for "Estimated Value" field
  23. Verify The Property tab has a green check mark
  24. Click on the AUS link to be directed to the AUS Page
  25. Verify The following message is NOT displayed on the message bar on the top:
    "    In order to run AUS, you must complete all required fields on the loan application and apply a loan product. Temporary Appraised Value can be used in lieu of Estimated Value."
  26. Go to the Fannie Mae - DU tab
  27. Verify The "Submit DU" button is enabled
  28. Go to the Freddie Mac - LPA tab
  29. Verify The "Submit LPA" button is enabled

Use Case # 4.3: "Pricing.DisplayTemporaryAppraisedValueForRefinance" = Irrelevant AND Loan Purpose: Purchase 

  1. Create a Purchase Loan
  2. Verify The AUS link is enabled in the Loan Menu - Action Column
  3. Click on the AUS link in the Loan Menu to be directed to the AUS Page
  4. Verify The following message is displayed on the message bar on the top:
    "     In order to run AUS, you must complete all required fields on the loan application and apply a loan product."
  5. Go to the Fannie Mae - DU tab
  6. Verify The "Submit DU" button is disabled
  7. Hover the cursor over the "Submit DU" button
  8. Verify The following message is displayed: 
    "In order to run AUS, you must complete all required fields on the loan application and apply a loan product."
  9. Go to the Freddie Mac - LPA tab
  10. Verify The "Submit LPA" button is disabled
  11. Hover the cursor over the "Submit LPA" button
  12. Verify The following message is displayed: 
    "In order to run AUS, you must complete all required fields on the loan application and apply a loan product."
  13. Complete the Loan Application
  14. Verify All tabs have a green check mark
  15. Apply a loan product
  16. Click on the AUS link to be directed to the AUS Page
  17. Verify The following message is NOT displayed on the message bar on the top:
    "     In order to run AUS, you must complete all required fields on the loan application and apply a loan product."
  18. Go to the Fannie Mae - DU tab
  19. Verify The "Submit DU" button is enabled
  20. Go to the Freddie Mac - LPA tab
  21. Verify The "Submit LPA" button is enabled

Use Case # 4.4 :  "Pricing.DisplayTemporaryAppraisedValueForRefinance" = IRRELEVANT AND Loan Purpose : Purchase. “Buying Stage” = Get Pre Approved

  1. Create a Purchase Loan
  2. Verify The AUS link is enabled in the Loan Menu - Action Column
  3. Click on the AUS link in the Loan Menu to be directed to the AUS Page
  4. VERIFY the following message is displayed on the message bar on the top:
    " In order to run AUS for a Purchase transaction, you must have a complete loan application (with all green checkmarks) and a loan product applied."
  5. On the Property Tab, set the value for the "Buying Stage" dropdown to "Get PreApproved"
  6. Complete ALL the other required fields on the loan.
  7. Verify All tabs get a Green check mark
  8. Apply an AUS eligible Loan Product
  9. Click on the AUS link in the Loan Menu to be directed to the AUS Page
  10. Verify The following message is NOT displayed on the message bar on the top:
    " In order to run AUS for a Purchase transaction, you must have a complete loan application (with all green checkmarks) and a loan product applied."

Use Case # 5:

  1. Create a Purchase Loan
  2. Click on the AUS link in the Loan Menu to be directed to the AUS Page
  3. Verify The following original message is NOT displayed on the AUS page
    "Please Re-run Du or LPA - If you updated current income please click on the 'Submit' or 'Submit LPA' button"
  4. Verify The following updated message is NOT displayed on the AUS page
    "Please Re-run DU or LPA - If you     updated your current income please click on the "Submit" or "Submit LPA" button."
  5. Complete the loan application to Loan Status = App Completed.
  6. Apply a Loan Product
  7. Go to the Income Tab 
  8. Run eVOI
  9. Click on the AUS link in the Loan Menu to be directed to the AUS Page.
  10. Verify The original message is NOT displayed on the AUS page
  11. Verify The updated message is NOT displayed on the AUS page
  12. Click on "Submit DU" on the Fannie Mae - DU tab or "Submit LPA" on the Freddie Mac- LPA tab and wait for a successful findings report.
  13. Note: DU and/or LPA will need to accept the Submitted Income in order to proceed with this use case (i.e., a Pill will be needed on the Current Income Card)
  14. After DU and/or LPA findings are received,
  15. VERIFY the following original message is NOT displayed on the AUS page
    "Please Re-run Du or LPA - If you updated current income please click on the 'Submit' or 'Submit LPA' button"
  16. Verify The following updated message is NOT displayed on the AUS page
    "Please Re-run DU or LPA - If you updated your current income please click on the "Submit" or "Submit LPA" button."
  17. Go to the Income Page, and change any of the Income values for the borrower with the D1c, AIM or BOTH Pill on their Current Income Card.
  18. Click on the AUS link in the Loan Menu to be directed to the AUS Page.
  19. Verify The following updated message is displayed on the AUS page
    "Please Re-run DU or LPA - If you updated your current income please click on the "Submit" or "Submit LPA" button."
  20. Resubmit the loan to AUS by clicking the “Submit DU” button
  21. Verify The message is no longer displayed

 

Screenshots

  • Screenshot # 1: “Missing Fields” Message bar when Sys Admin/Configuration/Configuration Environment/Pricing.DisplayTemporaryAppraisedValueForRefinance = False OR
    (Sys Admin/Configuration/Configuration Environment/Pricing.DisplayTemporaryAppraisedValueForRefinance = True AND Loan Purpose = Purchase):
  • Screenshot # 2: When: Sys Admin/Configuration/Configuration Environment/Pricing.DisplayTemporaryAppraisedValueForRefinance = True AND
    Loan Purpose = Refinance    mceclip3.png
  • Screenshot # 3: Updated “Please Re-Run DU or LPA - If you updated your current income, please click on the "Submit DU" or "Submit LPA" button.” Message

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