---
title: "Loan calculator locks after disclosures"
slug: "47-loan-calculator-locks-after-disclosures"
updated: 2026-11-02T18:42:32Z
published: 2026-11-02T18:32:33Z
canonical: "docs.thebigpos.com/47-loan-calculator-locks-after-disclosures"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.thebigpos.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Loan calculator locks after disclosures

Once initial disclosures have gone out on a loan, the Loan Calculator and its letter generation are locked. This is one instance of a general rule: a disclosed loan is frozen for editing across the POS. See article 64, what locks on a loan after disclosures are issued, for the full list of what freezes and why. This article covers the calculator-specific part.

## What is locked

The **Loan Calculator** itself, along with generation of **Prequalification** and **Preapproval** letters from it. A notice on screen explains why.

## What still works

The **Loan Comparison** tab stays readable, so you can still walk a borrower through a comparison you produced earlier.

## On the mobile app

The same lock applies in the app. Worth knowing separately: in the app, pre-approval letter generation sits behind the three-dot menu at the top right of the Loan Calculator rather than on a visible tab. That is a common reason the option is reported as missing on a loan that is not in fact locked.

## If you still need a letter

Produce it from Encompass on a disclosed loan. If the letter names only one borrower when you expected all of them, check which template you selected first — lenders commonly maintain several pre-approval letter templates and they do not all address every borrower on the file.

## What support will ask for

Whether initial disclosures have been sent on the file, and which template was used if the letter's content looks wrong.