Underwriting Advisories
Compliance is more than correct arithmatic
Pages of guidelines
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Extra cost
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Workflow Controls For Loan Lifecycle
Analyze
Every income is checked against the specific agency guideline that applies to it — not a generic rule of thumb.
Cite
Where appropriate advisories quote the exact guideline language behind it, so the reasoning is never a mystery.
Flag
Advisories are categorized and ranked. Eligibility, Stability, Information, and Income Opportunity.
Remind
Advisories catch what memory can't. A nuance buried on page 400 of a guideline shows up right where your underwriter is working.
What You Get
Stability Advisories
Flags continuance risk and income trend concerns the moment they appear, so declining or non-continuing income doesn't slip through.
Eligibility Advisories
Confirms whether an income type qualifies for the program and agency in question, and tells you clearly when it doesn't.
Informational Reminders
Surfaces documentation requirements and calculation nuances your underwriters would otherwise have to remember on their own.
Income Opportunities
If your borrower could qualify with a higher income, we flag those potential opportunities for your underwriter to investigate.
Agency Specific
Rules that apply to Fannie Mae don't always apply to Freddie Mac, FHA, VA, or USDA the same way. IncomeXpert knows the difference.
Consumer Lending
Consumer lenders are not left out. While our advisories won't link back to an agency guideline, we do give comprehensive advice of stability, income opportunity, and informational advisories.
Always Current
Our rule set is maintained and updated as agencies revise their guidelines, so your team is never working from an outdated page.
Built Into The Worksheet
Advisories appear at the point of decision, inside the income analysis itself — not in a separate manual nobody opens.
Trusted by Lenders on Thousands of Loans a Month
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!
It’s a great product, and provides so much relief in underwriting.
User Friendly, And graphical representation make simple to understand.
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!
It is very easy to calculate the income on Blueprint and the beautiful thing is you will get a detailed report generated which you and further review.
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.
Frequently Asked Questions
Underwriting advisories are dynamic notifications that appear when the income scenario is in conflict with an agency guideline.
No. Advisories are reminders, not decisions. Your underwriters still make the call — IncomeXpert just makes sure the relevant guideline is in front of them when they make it.
No. Guidance from Fannie Mae, Freddie Mac, FHA, VA, and USDA doesn’t always align, and sometimes conflicts outright. Advisories are built from a proprietary rule set that reflects how each agency’s guidelines actually apply to a given income.
Our team monitors agency guideline changes on an ongoing basis and updates the underlying rule set as guidance changes, so your team is never relying on an outdated advisory.
Additionally we include informational and income opportunity advisories outside the agency guideline update schedule.
Advisories appear directly on the income worksheet, next to the income they apply to, so your underwriters see them in the moment they’re making the decision.