EPIC-GENINFO Tab

GEN INFO

This tab houses all of the information that will be the foundation of the file. This includes the file information such as File Name and File Number, property information, seller, buyer/borrower, lender, etc. This information should be some of the first pieces received when setting up a file. EPIC is designed to reduce as much data entry as possible. Where possible, data entered in one section will propogate in others automatically, so the more that is entered on this page will result is less missing data in other areas of EPIC.

Below, the GEN INFO tab is divided into easier to digest sections to make the EPIC experience much easier to understand and use.

MarketPLACE

This section houses EPIC's additional offerings that can be purchased in addition to the file.

Order Agent+ Services

Click this link to order a search on file. EPIC will automatically include pre-entered information, simply provide the additional information requested to facilitate the search.

Open Filedrive

Clicking this link will open up the EPIC Drive and allow access to files uploaded by the search vendor as well enable the user to upload files to either the Vendor Files or Agent Files. This is a great place to store closing package.

Add a file by clicking the "Choose File" button to open a File Explorer window. Navigate to the folder where the file is located and either double-click it or select it and then click the Open button.

This will load the file name into the screen. When ready, click the Upload button to add it to EPIC Drive.

When the upload is complete, the file will appear in the file list.

Each file will display the name of the file in the "File Name" column, the name of the user that uploaded the file under the "Uploaded By" column (if you are logged in as the account admin it will always show "defaultadmin", otherwise, the user's name will appear), Date and time uploaded under the "Created Time" column, and the options "Download" and "Delete" in the Action column.

Click the "Close" button in the top right of the EPIC Drive screen to close it.

Select a link below to jump to the specific section you would like to review.

Who has the file?Switch to 2010 HUD Import / Export File Name/Number Transaction Type Clsoing Date / date fields Purchase Price Settlement Agent Sales Representative

Basic File Info

This section does not have an official heading in EPIC, but it is the first information to appear after the MarketPLACE. This contains the general information about the file, e.g., File Name and Number, transaction type, closing date, purchase price (for Purchase files), settlement info and sales rep fields. There are additional fields included that are covered as well.

Who has the file?

Use this to document who has the file and track statuses. This is best used with larger organization where communication between users is not as easy as it is with smaller agencies with one or two people working on files. Click the "enter/edit" button to access the screen.

Click the ellipses button to open the list of users. If users have not been added, the list will be blank. Click the add button to add a new user. Otherwise, click the user currently working on the file.

When adding one or more users, click on the "Add" link located at the top of the second column to open the edit screen.

Fill in as much or as little information as needed. When you are done, click on "Update List". This will add the users to the list of existing users from the previous screen. Once informaiton is entered here, it will be available in all active and future files. When the "UpdateList"button grays out, click the OK button.

You will be taken back to the first screen. Now that the user is selected, change the file status

Upon completion, click "CLose". The section will now show the current user working on the fie.

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Switch to 2010 HUD / Switch to 2015 Closing Disclosure

Click this button only when you need to switch between the 2015 Closing Disclosure and the 2010 HUD. Depending upon how the file was setup, you will see one of three options. The first of which "Old HUD" is only accessble by selecting it from the File Setup screen. If this is the option you see, switching from it to either the 2010 HUD or 2015 Closing Disclosure will cause a permanent loss of the first option. Below, is an example of how EPIC will display options for the Closing Disclosure or the HUD if the "old hud" option was selected upon the file setup:

Otherwise, EPIC will only display "Switch to 2015 Closing Disclosure" if the HUD was previously selected and, likewise, only show the "Swich to 2010 HUD" if the Closing Disclosure was previously selected.

WARNING!

If the switch is made between any of the above options, All of the informaiton maually entered into EPIC will be cleared. Please make sure to only use this when needed and as early in the process as possible. Little else is more frustrating than having to re-enter all of fees again. EPIC will provide the below notification to remind the user of the change.

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Responsible Prouducer*

In most cases, this field will automatically fill in with your agent information. The only instance where this field will be blank is during the initial setup and only for agents that operate in more than one state under the same Member ID for each state. To change this, click the ellipses button and select the correct state for the property.

The state abbreviation will appear to the right of the agent name separated by a vertial bar "|". Once selected, the screen will close and the new selection will appear in the Reponsible Producer field.

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Import / Export

ATGF will use this button in the event that a problem is found with the file that needs to be troubleshooted. It enables us to export your file data as an XML and load it directly into a test account. When you click the button, a new window will appear.

The options "Export to SoftPRO ProForm" and "Import From Turbo Title . TWF Export File" are legacy features from the old system that are no longer supported. Currently, EPIC supports the option "Export EPIC file to (xml)" and "Import Issues from Another EPIC File". The first of these two was referenced above and is used by ATGF to export a file to identify potential EPIC bugs. This allows ATGF and the EPIC programmers to quickly idenitify issued without tying up your file. The last option available is the "Import Issues from Another EPIC File" and allows the user to quickly pull in informaiton from a previous file. Click the radio button to begin.

Chose the view from under the file list to quickly locate the specific file; Recent filters the file list for the last 20 files accessed / saved and the Active files list will show all files that have not been archived or cancelled. Scroll through the list to locate the file.

Once selected, EPIC will present this notication to confirm that you wish to copy all of the Requirements and Exceptions to your current file. Selecting "OK" will load the aforementioned data for you. This is a great tool if closing multiple lots in a subdivision and allows you to update information based on the current lot or delete those that do not apply.

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File Name/Number

This section contains four items. The File Name, Cancel File, Force Manual Review, and File Number.

File Name
This is not a required field. It is often used to help quickly idenity the file based on the seller or borrower name(s). It can be used in any way that the user would like.
Cancel File
This is one of two places that a file can be cancelled. Checking the box will remove this file from most reports. Use this when the deal is dropped instead of deleting the file. In the event that the property comes back to the agency, this file can be uncancelled and utilized again.
Force Manual Review
Check this box and then click the "Pre-Apporve" button on the PIT bar. This will notify ATGF underwriters that a second pair of eyes is being requested. Although notification is sent, it is best to call or email the underwriting team to advise the reason the file needed to be reviewed. Once reviewed, uncheck the box or the file will constantly go into manual review each time an attempt to issue a commitment or policy is attempted.
File Number
This is a required field. EPIC has the capability to automatically update this field for you each time a file is created. If logged in as the account admin, go to Firm Settings and update the specifics for you self-incrementing file number. If not, reach out to our underwriting team to ask that they do it for you; make sure that you have the details as to how the file number should increment as well as how the format should be setup.

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Transaction Type & Foreclosure Commitment

Use this to switch betwen Purchase and Refinance. Remember to use "Purchase" if a property is being sold, even if an Owner Policy will not be issued. You will have the option to indicate that the Owner Policy is "Not Insured" in the "Owner Policy Details" section.

If issuing a Foreclosure Commitment, check the box.

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Closing / Disbursement / Reconveyance Tracking Date Fields

These are all date fields with specific uses.

Closing Date
This is not a required field to set up the file, but it is required to issue a commitment or policy. Enter the anticipated or actual closing date in this field. If the date changes, the field can be updated at any time. This date feeds into the document date field for both the owner policy and lender policy as well as other fields in EPIC.
Disbursement Date
This field will automatically populate based on the date entered in the Closing Date Field above. If the file is a purchase, the Disbursement date will update to the same day as closing or next business day (if the closing happens on a weekend). For refinance files, the date will update to 3 business days after closing. If the disburesment date changes, you can update the field.
Reconveyance Tracking
This field will remain blank. Enter a date to help track reconveyances. The date will be added to your calendar.

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Purchase Price $

This field will only appear on files where the Transaction Type is set to "Purchase". This field will trigger a manual review in the event that the purchase price exceeds the agent's pre-approve limit.

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Settlement Agent

This field is automatically filled with the information saved in EPIC for the agent. Updating this field to a different settlement agent will trigger a manual review. To update this field, click on the orange ellipses button to the right of the field.

The first window that appears is a list of all the previously used Settlement Agents. In the example, you can see how the name of the closing party, the "Attention Of" column, changed, but the agent information stayed the same. This is the primary use for this field. If you need to add a new entry,click the "Add" link at the to of the far right column. This will open the window to enter the new information.

Complete all of the infomation in this window.Fill in all of the information that you want. The only required field is the first "Name" field at the top of the list; without it, the record will not save or attach to the file. Below is an example from our test account.

The "Name" field links to the "Name" column otherwise known as your Agency Name. That is the only potential field that could be misinterpreted on the setup screen. When done, click the "Update List" button to save the entry to be used again. Otherwise, clicking "OK" will not save it, just add it to the current file. After clicking the "Update List" button, it will gray back out, click OK, to use the information and close the window.

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Sales Representative

This is intened to track the party respondible for briging the deal in. Just as in the "Settlement Agent" section covered above, use te ellipses button to select a pre-viously used Sales Represpentative. If you have not entered a sales rep before, click teh "enter/edit" button to be taken directly to the data entry window to enter the sales rep's information.

As a reminder, clicking"OK" will only update the sales rep information on this file, it will not save the information for future files to use. If you accidentally click "OK" before saving it to your list (clicking on the "Update List" button), click the "enter/edit" button to open it back up, you will have the opportunity to click the "Update List" button then.

When we look at the existing list screen, there are two tabs. This differs from the prior list windows since there is a chance that an agency could have a large number of sales reps to track. EPIC allowsyou to search by the name of the sales rep on the first tab "Search" or scroll through the list of all reps on the "All SalesReps" tab; whichever option is more convenient to the user.

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Commitment Details

This houses informaiton related to the property, search, and parties involved.

Commitment Date
This is the "Good Through" date provided by the county. The county provides this date to show at what date, at the time the search was conducted as to where the records are certified.
File subject to FinCEN reporting
Check this box if the file is subject to FinCEN reporting based on the status of the Real Estate Reporting Act or the Geographical Targeting Orders. Click the link to the right of the check box labled "For more Information click here" to get more informaiton from the Financial Crimes Enforcement Network. Checking this box will automatically add the requirmeent to the file indicating that all information necessary to complete the FinCEN report will be required in order to close.
Purchaser/Borrower name/address
This field displays the information entered into the "Purchaser/Borrower name/address" window and is not editable in the field shown. Click the "enter/edit" buton to make any changes. See the seller name/address below on the options available in the corresponding window.
Seller name/address
This field will only appear on Purchase files and displays the information entered into the "Seller name/address" window and is not editable in the field shown. Click the "enter/edit" buton to make any changes.

This window is exalty the same for both the "Purchaser/Borrower name/address" and the "Seller name/address". To access it, click the "enter/edit" button located to the right of the specific party that needs to be updated/entered.

EPIC will only show one blank record at a time. To enter more than one party, enter the first party. Begin by selecting "Individual" or "Legal Entity".

Above are how the screen changes based on the option selected. For the individual, enter the First Name, Middle Name, and Last Name exactly as the party will go in to title or how they are currently in title (i.e., the seller or refinancer). In the "Vesting/Marital Status" field, enter exactly the vesting should appear. If no vesting appears after the party's name, leave it blank.

Example: The vesting appears or will appeara on title as "Jon Doe and Jane Doe, husband and wife as joint tenants", then the vesting/marital status field for Jon Doe will remain blank and the vesting field after Jane Doe will contain the "husband and wife as joint tenants" (no need to enter the leading comma as EPIC will handle that when needed).

Note: EPIC will not populate a new blank record to be filled in unless the last name field is completed. Deleting this field will also delete the previously entered record below it.

The section following the party information is the address. EPIC will only display the address from the first part on the GENINFO tab, but this screen allows for the user to enter a different address for each party listed. Enter the current address for the parties, not their future address.

Additionally, each party will have their own contact information for Phone, Fax, Email, other "Contact Info", Attention of, Business Entity selection, and a Signed by drop down selection.

The Contact Info field will clone itself as soon as an entry is made. So you can add more than just their Mobile, Home, Work, etc.

The Business Entity? field, when checked, will open up two fields; "Name" and "Title" these will be the parties that will sign on behalf of the entity. Do not check this box for an indvidiual. If a different party is signing for the party, click the drop down and chose the appropriate option. A name field will appear after selection.

EPIC provides "Power of Attorney", "Trustee", "Personal Representative", "Now Known As", and "General". When selecting any of thise, please make sure that the party supplies the proper documentation and include them with the recordings (if required).

Names match vesting
This field is used as a visual reminder that you have reviewed the current owner information and confirmed that the data entered for the currently vested individual is entered correctly. Both the names and the vesting must match the deed of trust recorded with the local recording office. EPIC will not allow a commitment to be issued without checking this field.
Names checked for judgments
Enter the names and their variances that were checked for judgements, bankruptcies, etc. in this field.
Property Address / Details
This field cannot be edited. It displays the information previously entered for the property address or description from the Create New File screen. Click the "enter/edit" button to open the window to make changes to the property information. This includes property use, ownership type, easements, parcel numbers, and the legal description.

The first section is the "Property Address".

Full Property Address Not Available
If you do not have the full address, check this box. This tells EPIC to replace the Street No., Street Name, Unit Description, and Unit Number fields with the Description field.

Description
This field only appears when the "Full Property Address Not Available" is selected. Use this field to enter a brief description of the property's address, i.e., "1/2 mile east of Route 460 on State Route 730". The field has a 250 character limit, exceeding this will cause errors in the system, so brevity is key in this field.
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Street No.
First enter the "house" or "stree" number. Do not try to enter the name of the street in this field. Enter only the street name in the second field.
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Street Name
It is recommended that you do not abbreviate, but they can be used if preferred. Make sure to enter all of the information, including the pre-directional and post directional parts of the address. However, do not include units, suites, floors, etc. That is reserved for the Unit Description line.
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Unit Description
This field can be manually entered or selected from the list provided by clicking on the ellipses button to the right of the field. This should just describe the type of unit, don't include the unit identifier in this filed. For example, if the property is a condominium and the address includes "Unit 5b", then "Unit" will be entered here.

Unit Number
This field is reserved for the unit identifier. Using the above example, if the address includes "Unit 5b", enter "5b" in this field. If all of the informaiton is put into this field, and nothing is entered into the "Unit Description"field, EPIC will ignore anything entered here and not include it in any of the documents or policies generated in the system.

State
This field is not editable. It is based strictly on the Responsible Producer selected at the top of the GEN INFO tab. If your agency operates in more than one state, you will need to be approved for each state. In some cases, this will mean a separate log in, and in other cases, you will have multiple producers available to select in one log in. This is based strictly on the needs at the time the accounts are set up.

ZIP
This field will populate the Town and County fields below it. EPIC will populate the most often used Town and County based on the zip code provided.

Town
This field is pre-populated based on the zip code entered. There are rare instances where the zip code may span multiple towns or counties. If this is the case, you can overwrite the pre-populated Town by deleting and typing in the correct information.

County
This field is also pre-populated based on the zip code entered. However, if the information needs to be changed or no zip code was available, you cannot type the county name into this field. Delete any information out of the field and press the Tab key on your keyboard, or if it was empty, click the "Search" button. When the county list screen populates, scroll down and select the correct county. EPIC ties the county to the calculation of the premiums, failing to select the county correctly will prevent EPIC from giving the right premium or calculating it at all.
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The next section is "Property Details" and allows the user to select additional information about the property and transaction.

Leasehold Indicator
When checked, this field tells EPIC that the transaction is no longer considered Fee Simple and swithces the file type to Leashold.

Contract Purchaser
When checked, this field will inform EPIC to treat the file as a Contract Purchase and not Fee Simple.

Contract Seller
When checked, this field will tell EPIC to treat the file as a Contract Seller.

Time Share Indicator
Similar to the above items, this tells EPIC to handle the file as a Time Share.

Property Use
By default, EPIC sets the property type to 1-4 Family Residential. To change this, check the "No" box, acknowledge the pop-up notificaitons and choose the property type from the list.

Please indicate the specific intended use of this property
Chose from "Commercial/Industrial", "Over-4 Family Residential", "Vacant Land", and "Agricultural". EPIC will change available functions and features based on the proeprty type selected. In some cases, when there are endorsements missing from the endorsements list on the Policy tab, it is due to the wrong property type being selected, or the endrosement not being available for the specific property type. Some endorsements are specific to residential while others are specific to commercial.

Ownership Structure
If applciable, indicate if the property is a Condo or P.U.D. Similar to the above note, EPIC will not display endorsements for these ownership structures (i.e., ALTA 4, 4.1, 5 and 5.1) if one of these is not selected.

Conservation Easement
If handling a conservation easement, select this check box.

Easement Estate
If handling an easement estate, select this check box.

Mobile/Manufacgtured Homes
Check this box, if the property being insured has a manufactured home. This places the file in manual review as underwriting will need to see the recorded affidavit of affixture (each state has a specific process on how to release title and treat the home as real estate instead of personal property.

Property Tax ID
Enter the Tax ID or Parcel ID here. This is usually available from the county's assessor's page.

Schedule C - Legal Description Details
This section is all about the legal description. EPIC allows two options, the legal description can be uploaded as a PDF or it can be typed in to the text field. The benefit of uploading a PDF of the legal description is that it allows the use of a previously used and accepted document and prevents the need to type in long "metes and bounds" legals that could potentially be several pages in length.

To upload a document, click the link "Upload a Schedule C PDF...". The window above will appear. Click on the "Choose File" button first. This opens the tranditional File Explorer window. Navigate to where the PDF is saved and double click on it. The window will disappear and you will see the file name in the first field. Click "Upload" to save the file into EPIC, the window will disappear when the upload is successful. the seciton under Schedule C will update slightly to indicate that a file is uploaded.

Upon completion, scroll to the top of the screen and click the "Close" button. This ensures that all changes are saved properly.

Owner Policy Details

This section is where the information about the owner policy is entered. This field will not appear on files where the transaction type is set to Refinance. Even if there will not be an owner policy issued, make sure that all of these fields are completed for every purchase.

Owner Policy

This is field tells EPIC if a policy will be issued for the owner policy. There are two options in the drop down, "Owner Policy"and "Not Insured".

The Owner Policy Details section will update to remove unnecessary fields when "Not Insured" is selected.

Enter the Recording date and select the type of deed recorded in the "Recording Info" box. Select the ellipses and chose from the available options, or type in the info. Make sure to add "the" before the document name. After clicking the ellipses button, a menu will appear.

The option"Remove from favorties" requires that a selection to first be made from the list. Once selected and the "Recording Info" field is no longer blank, click the ellipses button and select "Remove from favorites" to remove the selected option from the favorites list.

Jacket

This field cannot be edited directly. Click the ellipses button to open the available options. The options showing may vary based on the state. For questions regarding this, reach out to our underwriting team or review your state's rate manual.

Policy #

This field is not editable and will display the Policy Number for the Owner Policy once assigned (i.e., the policy is issued).

Recording Date

This field will remain blank until just before issuing the policy. Enter the date that the deed was recorded. EPIC will not allow the recording date to precede the closing date. Review any error messages that pop up when attempting to issue the policy, they will identify if this is an issue.

Policy Amount

This filed auto populates based on the purchase price. Any changes to this field will "overwrite" the exiting value. Change this field only when ensuring for less than the purchase price. Underwriter review is necessary if overwritten.

Rate Table

EPIC uses rate tables to calculate premiums. The default value is the base rate. EPIC will calculate the premium based on the appropriate base rate if this option is selected.

The minimum options available for selection are "None" and "Base Rate". You may also see bundled rate tables (if these are filed in your state). If EPIC is showing a premium of $0, it may be due to this being set to "None". To update the value, click the orange ellipses button and select the correct rate table form the list provided.

Discount

This is where the discount is selected. Discounts vary based on the filings for the specific state. Check the rate manual for the discounts available, when to use them, and the amount of the discount.

Some rates may require additional information. When this arises, additional fields will appear after selecting the rate. For example, when selecting the Reissuance rate, EPIC will ask for the Old Polciy Date, Old Policy Number, and/or the Old Policy Amount.

Premium TBD?

In some states, EPIC provides the option for a TBD commitment. If available, the option will show just above the Recording Info field.

Recording Info

To chose a pre-defined option,click on "Select from favorites"; to add to favorites, make sure that the document type was typed prior to clicking the ellipses button and then click "Save to favorties". This will add what was typed to the favorites list allowing it to be used in future files. Note that like many of these lists, information may not match what is displayed as they are personalized by EPIC users and are not shared between memeber accounts.

Policy Time

In this field, enter the time that the deed was recorded. Some lenders find "at exact time of recording" acceptable and others do not. Make sure to check with the lender to make sure the file is set to their specifications.

Lender Policy Details

This section will house all of the lenders for a file. Prior to selecting the first lender on the file, the section is rather barron. To get started, click on the orange ellipses button to open the Lender Selection window.

The window defaults to the "Search" tab. If selecting a lender used on a previous file, type in part of the lender's name and then click the "GO" button to reveal all of the previously used lenders.

If the lender is located in the list, there are a few options available. The easiest is if no changes are needed for the lender, just click the lender's name (or anywhere on that row, other than the hyperlinks in the thrid column) and it will be automatically added to the Lender Policy Details section of EPIC. For each lender found, there is an option to "Edit", "Copy", and "Delete". "Add" at the top of the third column will appear on all search results, even if no lenders are found making it easier to quickly add a lender that is not currently in the EPIC user-specific databse.

The hyperlinked options are rather easy to understand. "Edit" will edit the existing entry and allow changes to be made to it. This will Edit the saved information for all future transactions but will not affect any current files where the lender was selected. It is recommended that the "Branch" be filled in to help identify multiple lenders. The "Branch" field is stored in EPIC, but not used in any documents generated in EPIC, so it is safe to put any information such as names, locations, or descriptions.

If it is necessary to create a duplicate lender due to address changes for different branches, loan processors, etc., click "Copy" to create a brand new entry of the same lender and only change the items that are needed. Enter info in the"Branch" field to make it easier to distinguish duplicate entries in the future.

Click "OK" when done. EPIC will automatically insert the information into the lender field and save the entry for future use. This is one of the few fields in EPIC that will auto-save entries for use in future files.

After the lender is selected, EPIC will populate the information into the Lender Policy Details section and additional fields will be added.

Lender fields

This field includes the lender name selected from the previous steps. To update this, click on the orange ellipses button. If it is necessary to delete the entry, click on the trashcan icon to the right of the ellipses button.

Amount

This should be the full amount of the loan issued for the policy. This is not the coverage amount that the rate is based on.

Loan #

This is not a required field. Update the field when the lender provides the loan number.

Document Date

This date auto-populates from the closing date. Only change this field if the security instrument will be signed outside of the closing date.

Interest Rate

Enter the interest rate provided by the lender. This will assist in populating amounts on the Closing Disclosure / HUD for you.

Days in Bank Year

Select how the bank calculates the interest rate. EPIC defaults to 365 days, the most common; however, 360 may also be selected. This also aids in calculating pro-rated fields on the Closing Disclosure / HUD.

Policy

EPIC defaults to "Mortgagee"; however, if doing a split closing or in the rate case the lender policy will not be issued, change this to "Not Insured". This will ensure a policy is not generated, nor a rate generated.

Jacket

This field will default to one of the jacket values available, based on the state. In most cases it will default to "Standard" in others it may default to "Extended". To change, click the orange ellipses button to the right of the field to open the selection window. Options can include, based on the transaction type, "None", "Junior", "Standard", "Short Form", or "TSG".

Policy Amount

This field auto-populates based on the Amount field. If the amount of coverage is different from the loan amount entered into the Amount field change it here. The most common reason to update this field is when handling a reverse mortgage.

Recording Date

Enter the date the security instrument was recorded by the county. If typing the date instead of selecting from the calendar, enter as 1/1/2026 or 01/01/2026. Entering less than the four-digit year will generate an error message and erase the inforamtion entered.

Policy #

This field is not editable and will only display a policy number once one is issued. Policy numbers are issued once the polciy is generated for the file, until then, the field will display TBA.

Rate Table

This field will default to the "Base Rate" on purchase files, but may change to a refinance rate table for Refinance files if it is a rate filed in that state.

Discount

This field indicates the discount off of the selected rate table. In most cases, when a lender is added to a pruchase transaction file, the discount defaults to simultaneous and on refinance files, it will default to refinance. To change, click the orange ellipses button to the right of the field.

EPIC will display the available options for the state.

Policy Time

Enter the time the security instrument was recorded. This inforamtion is located in the recording info at the top of the recorded security instrument from the county.

Construction Loan?

This option is not shown for all states; if it is showing on the screen, please indicate if the loan is a construction loan or not. Do not leave it blank.

MERS Language?

This is another option that may not be availabe in all states. Selecting this will change how the lender information is shown in the recording information on Scheule A Item 4 as well as Schedule B Section I and II (for second and third mortgages).

New Lender Field

This blank, unlabled field is reserved for another lender, if needed. To add, click the orange ellipses button to the right of the field and chose the lender. Review the information in the lender field above as it works exactly the same. When a new lender is selected, it populates all of the same fields as the prevous section does, with one added button and a check box. All of the other fields work exactly the same as above.

The new fields "2010 HUD" and the button labeled "HUD 2015" allow you to access the documents necessary to itemize fees, etc. that will be deducted from the second loan prior to adding the remainder to the first mortgage's Closing Disclosure/HUD. Checking the box "2010 HUD?" will change the button to "HUD 2010" instead of the Closing Disclosure, which is available under the HUD 2015 button that shows with the "2010 HUD?" check box is not checked.

EPIC will continue to generate a new blank lender after entering the new lender. This keeps the screen uncluttered when not in use, but allows you to add as many lenders as needed. The new blank lender entry will always appear directly above the "New Deed of Trust borrower matches new vesting deed" confirmation check box.

New Deed of Trust borrower matches new vesting deed

A policy cannot be issued unless this box is checked (EPIC does not require the field to be checked to issue a commitment). Once the security instrument(s) are prepeared, verify that the vesting information for the new owner (current owner for refinances) matches how the parties are going to be listed or already listed on the recorded deed. This is another way that EPIC helps you keep all fo the i's dotted and t's crossed.

Additional Party Info

Listing/Seller Agent

This section houses the information for the seller's agent and captures the party's compensation for the transaction. Use the "enter/edit" button to add a new agent to the file or the ellipses button to select an existing agent. Enter the % of the sale the agent has agreed to in the first field and EPIC will automatically calculate the amount, or the flat compensation amount in the second box.

The fields in this section do not automatically save the data entered. If you want to create a list of agents within EPIC, when adding a party, always click the "Update List" button prior to clicking OK. This will save the party to the specific list entered. These lists are not shared between any of the other parties. If a real estate agent is representing seller on one file and then a buyer on another, they will need to be entered once for each section, but once entered and saved, they will always be available for selection in the future.

Selling/Buyer's Agent

This section houses the information for the buyer's agent and captures the party's compensation for the transaction. Use the "enter/edit" button to add a new agent to the file or the ellipses button to select an existing agent. Enter the % of the sale the agent has agreed to in the first field and EPIC will automatically calculate the amount, or the flat compensation amount in the second box.

The fields in this section do not automatically save the data entered. If you want to create a list of agents within EPIC, when adding a party, always click the "Update List" button prior to clicking OK. This will save the party to the specific list entered. These lists are not shared between any of the other parties. If a real estate agent is representing seller on one file and then a buyer on another, they will need to be entered once for each section, but once entered and saved, they will always be available for selection in the future.

Mortgage Broker

If the borrower used a mortgage broker, enter their contact information in this field.

The fields in this section do not automatically save the data entered. If you want to create a list of agents within EPIC, when adding a party, always click the "Update List" button prior to clicking OK. This will save the party to the specific list entered. These lists are not shared between any of the other parties. If a real estate agent is representing seller on one file and then a buyer on another, they will need to be entered once for each section, but once entered and saved, they will always be available for selection in the future.

Other Side's Attorney/Title Agent

Enter the attorney or title agent information for the other side of the transaction. This is most common in Utah where split closings are commonly handled.

The fields in this section do not automatically save the data entered. If you want to create a list of agents within EPIC, when adding a party, always click the "Update List" button prior to clicking OK. This will save the party to the specific list entered. These lists are not shared between any of the other parties. If a real estate agent is representing seller on one file and then a buyer on another, they will need to be entered once for each section, but once entered and saved, they will always be available for selection in the future.

Other Side's Attorney Attorney

Enter attorney information in this field if needed.

The fields in this section do not automatically save the data entered. If you want to create a list of agents within EPIC, when adding a party, always click the "Update List" button prior to clicking OK. This will save the party to the specific list entered. These lists are not shared between any of the other parties. If a real estate agent is representing seller on one file and then a buyer on another, they will need to be entered once for each section, but once entered and saved, they will always be available for selection in the future.

Policy Details Summary

This section will hold the summary of the file once the final policies have been issed, showing policy types and policy numbers. The policies, if voided, will also show the date and time the policies were voided in red.

Below the Policy Details Summary window is a small box. After a policy is issued and reconveyances successfully tracked, click this button to remove the file from the "Active" view on the MAIN EPIC Landing Page. It will stay on the "Recent" view until 20 files have been created or opened/saved since the last time the archived file was saved. It is important to note that you can also click the same icon on the MAIN EPIC landing page if you see the file showing in the recent or active file lists. Refer back to the "EPIC Landing Page" section of the manual.

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