Automate mortgage income analysis
One bad income calc can sink a loan. Blueprint guides underwriters through each step — extracting income data, running every calculation, and applying agency guidelines to generate an always-accurate income worksheet
Trusted by mortgage lenders that process hundreds of loans a month
Income analysis is the riskiest step in underwriting
Guidelines are open to interpretation
Natural-language guidelines leave too much up to human judgment.
No standards across the team
Each underwriter has their own method, leading to inconsistent approvals.
Too much manual work
Keying, checking, and re-checking income data eats hours of time and invites errors.
Small mistakes, big consequences
One wrong number can trigger buybacks, audits, or risk loans on the book.
Blueprint slashes the risk.
Automate income analysis without losing control
We extract income data from loan documents an convert it into a fully calculated, validated, and audit-ready worksheet.
Here's how it works
Step 1
Auto-capture income data from loan documents
Blueprint recognizes paystubs, W2’s, 1099s, K-1s, tax returns, and VOEs; extracts the numbers you need, and locks in a consistent foundation for calculation.
Step 2
Income guidelines always get applied correctly
Blueprint uses the correct calculation logic for every income type and agency program, in line with official guidelines.
Fannie Mae – Freddie Mac – FHA – VA – USDA
Step 3
Catch errors before they become a problem
Blueprint flags missing income, complex rule triggers, and potential additional income — then gives the steps to confirm and recalculate accurately.
Examples:
- Flagging non-conforming trends in variable income types
- Validating business stability to qualify self-employed income
- Validating required liquidity to qualify K-1 income types
- Compliance with FHA manual downgrade for declining income
Step 4
Get a rep & warranted income worksheet
Finalize the income analysis process with a worksheet that shows sources, calculations, applied guidelines, and adjustments – ready for audits, QC, and delivery (and guaranteed to be right).
Full income coverage
We’ve built a complete calculation engine for all income types and agencies, so you can confidently standardize the way your underwriters handle income analysis for every loan.
We cover common income types you see every day…
Variable Employment Income
Self-Employed Income
Rental Income
… plus all the other types you’ll need eventually.
Passive Incomes
(Alimony, Royalties, Disability)
Retirement Income
(Social Security, 401k, IRA Distributions)
(Actually, we support EVERY income in the guidelines)
The results of always-accurate income analysis
Blueprint fits every lending model
Credit Unions
Automate & guide income reviews so your members get answers faster.
Community Banks
Bring automation and accuracy to local lending operations.
National Lenders
Standardize income analysis across thousands of files and teams.
Mortgage Auditors
See exactly how income was calculated, line by line.
Get income right on every loan, every time.
Borrower data is always safe and secure
Blueprint goes beyond the minimum and includes Process Integrity in our SOC 2 Type 2 scope. Along with the standard areas of Confidentiality, Security, and Availability; adding Process Integrity ensures you get the highest confidence in our software.
Got Questions?
IncomeXpert is the software product created by the team at Blueprint. IncomeXpert replaces spreadsheets and modernizes your underwriting team with always-accurate income analysis software.
Any mortgage professional can use IncomeXpert, but we built it for underwriting teams who process hundreds or thousands of loans per month.
Nope – though we get that question all the time.
IncomeXpert is software, it makes underwriters faster, happier, and significantly less caffeinated.
So while we get asked to “take a look” at your loan file, we aren’t a team of underwriters analyzing our client’s loan files.
Yes! IncomeXpert can be used in an automated fashion where you upload documents, we scan them, and give you back a complete income analysis.
But you can also skip the automation and directly enter data into our guided income worksheets.
Automated and guided income types can be used on any loan. Automate some, or let your team enter the data. Your choice.
So accurate we back it up with clear Reps and Warrants. We protect your from repurchase demands due to incorrect income calculations.
Absolutely. We have several LOS integrations and more coming online. Reach out to our team and see if your LOS is supported.
Lenders have multiple income analysis options to consider. Manual spreadsheets from the mortgage insurance companies, or full document automation solutions that force you to automate everything.
Blueprint gives you a happy middle ground with IncomeXpert. We let you blend automated income analysis with manually guided income analysis on the same loan.
Use our automation where and when you want, you aren’t forced to choose. This lets you control costs and control your workflow to suit your business needs.
Yes. Our calculation worksheets are dynamic. You can adjust the values as new data becomes available and see the results instantly.
You can perform what-if scenario testing and see the results in real-time.
IncomeXpert is priced per-loan. The more loans you do, the lower the per-loan price.
We provide all accounts with on-boarding training for their underwriters. Most people pick it up after one training session.