AUTOMATED
MORTGAGE INCOME
ANALYSIS SOFTWARE
Upload the docs and offload the analysis
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.
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.
Why you need a complete income system
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.
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.
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.
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Advisories
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.
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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.
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LOS Integration
IncomeXpert integrates with Encompass. Eliminate redundant data entry and automate your underwriting workflow by leveraging information you already have to pre-populate IncomeXpert files and keep them in sync with Encompass.
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How can a income system transform your team?
Contact us for a demo
Everything about the software is awesome! Ever since I became a user back in 2016, my income calculations have gotten better, and my understanding of income has improved. I would recommend this program to any mortgage company, loan officer, or loan processor.
It is very easy to calculate the income on UberWriter and the beautiful thing is you will get a detailed report generated which you and further review.
I love that it consistently updates to the changes in rules and regulations for representatives. I love that I know that my income calculations will be the same no matter who on our team calculates it. That consistency is vital to fair lending, compliance and overall a strong loan portfolio!
User Friendly, And graphical representation make simple to understand.
It’s a great product, and provides so much relief in underwriting.
I like that it is very user-friendly, especially with the aspect of changing calculation methods accordingly, per loan product type. It is nearly impossible to do an incorrect income calc with this software!
Read all of our independent reviews