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the following tutorial is going to take you through how you correctly log a subordination into an encompass application in this example you can see Jim and Pam test if you look up here at the top they have a loan-to-value thats below 80% now that loan-to-value is going to be based on the fact that if you go to 1003 page 2 and you scroll down the customer does have two mortgages though the first mortgage in a home equity line were doing a loan for one hundred and sixty thousand thats gonna pay off this first mortgage here that mortgage is being marked as paid and if you look that customer if we go to page three and show all vom youll see their primary residence here does have one hundred and seventy five thousand dollars in liens both of those are attached to that primary residence so we need to account for that second mortgage on 1003 page two we have to do a subordination and essentially move this back into the second position after we close our first mortgage in order to accurat