A complete income analysis system

IncomeXpert is a complete income system for your underwriting or processing team.  With IncomeXpert your team has calculators for every income supported by the agencies and a rules engine to ensure compliance all to provide the best recommended income for your borrower.

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IncomeXpert PLUS builds on IncomeXpert and enables you to upload tax returns, paystubs, and VOE.  IncomeXpert PLUS scans the documents and determines the recommended income for you.

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Why you need a complete income system

save time

Struggling With Turn Times

Users report underwriters are able to go from 1-2 loans per day to 3-5 loans per day using IncomeXpert.  Why? Income determination is streamlined and lost productivity in arguing over income with sales is reduced.  The detailed analysis, advisories, and the trust from processing over 2 million loans to date let the largest banks and agencies rely on IncomeXpert as the final word on income.

consistent calculations

Inconsistent Calculations

Does your team suffer from inconsistent income determination?  Do they forget guidelines, miss declining income, or just make math errors? Get all your team using the same calculations.  IncomeXpert runs trending analysis and provides clear warnings and recommended income based on the trending so no matter who takes the file, the income is consistently determined.

underwriter training

Struggling To Automate

IncomeXpert PLUS enables automation of your workflows.  By uploading documents at the moment they are available from the borrower lets IncomeXpert PLUS determine the income and prepare a report for your underwriter.  IncomeXpert PLUS also flags missing documents and additional advisories to ensure you determine the most income for your borrowers.

Key Features

Trending Analysis

IncomeXpert calculates over 20 income trending factors for employed income and 4 trending factors for self-employed income.  Spot declining, variable, and missing income instantly.


IncomeXpert and IncomeXpert PLUS has over 200 income and agency advisories that can be triggered to alert you of issues with the income.  Blueprint stays up to date with the latest industry guidelines to ensure your income is correct and guideline compliant.

Reps & Warrants

Blueprint stands behind IncomeXpert’s calculations with Reps and Warrants on the calculated income.  If our calculations are in error and lead to a buy back, we will cover the cost of the error. Terms and conditions apply.


IncomeXpert surpasses spreadsheets and form fills when it comes to clear income reporting.  IncomeXpert provides multiple levels of reporting detail including trending analysis, income advisories, and summary totals.


How can a income system transform your team?

Contact us for a demo