FNMA Selling Guide
Never Forget a FNMA Guideline Again
If you’re here searching for the FNMA Selling Guide, it’s likely because you’ve hit a wall. You can’t remember what the guideline says about a certain income source—and now you’re combing through a 1,400-page PDF trying to find one paragraph that unlocks your loan file.
What if you never had to open the selling guide again?
What if the latest FNMA guidelines were already baked into your workflow software—automatically, accurately, and defensibly?
Meet IncomeXpert.
Your always-updated, always-compliant income analysis platform that applies every nuance of the FNMA selling guide for you.
Built for FNMA Guideline Compliance
Built by Underwriters, for Underwriters.
IncomeXpert isn’t just software. It’s an engine of compliance designed by underwriting professionals and maintained by a cross-functional team that lives and breathes agency guidelines.
✅ Constant Guideline Updates
We continuously apply updates from FNMA, FHLMC, FHA, VA, and others. Our underwriting team reviews every change in the selling guide and works with our engineers to encode those rules directly into the platform.
✅ Tested. Audited. Trusted.
Every update is validated with automated tests and manual underwriting audits across a comprehensive set of income scenarios.
We also conduct independent internal audits on a regular cadence—and our entire process is externally audited annually to ensure accountability and accuracy.
✅ Full Reps and Warrants Coverage
When you rely on IncomeXpert, you’re not just automating calculations—you’re protecting your operation with a platform that mirrors FNMA guideline logic and gives you full coverage on rep & warrant enforcement.
Qualifying Income faster
Tired of reading tax returns and paystubs when you should be selling? Upload tax returns and pay stubs and get a full report and qualifying income in minutes. Fully qualified income in minutes, not days.
Safe qualifying income
IncomeXpert gives Loan Officers the ability to calculate income just like the underwriters, but with a few restrictions. This ensures loan officers don’t end up with an over stated income, make a client mad, and lose a deal.
Easy Handoff
By using IncomeXpert to qualify your borrower, you now have a perfect hand off to underwriting. You have the borrower’s income analyzed, you just need the underwriter to approve it. That speeds up the process and gets your borrower to closing faster.
Want to see a demo of IncomeXpert?
Every Income Type. Every Rule. Fully Covered
The FNMA selling guide goes beyond just saying how to calculate income. It outlines supporting documentation, required trending, and cross-checking analyses.
We do it all:
Salary, hourly, bonus, commission
Rental income (Schedule E and lease-based)
Partnership & S-Corp income (K-1s, Distributions, Ownership %)
CIA analysis, Profit & Loss, Liquidity assessments
Trending and averaging logic
Business viability tests
Special cases: Sch E rentals, retirement income, asset depletion, and more
Switching from FNMA to FHLMC or FHA mid-loan?
No problem. Just toggle the agency rule set and we’ll recalculate the loan instantly—flagging new advisories and income opportunities based on the new agency’s guidelines.
Why Lenders Choose IncomeXpert
🔒 Never worry about guideline compliance again
We give you advisories based on income type and source—flagging exceptions, risks, and compliance issues before they hit QC.
💡 Get higher qualifying income
We also identify income opportunity advisories, highlighting where guideline-aligned adjustments may yield more usable income for your borrower.
⚖️ Eliminate guideline debates
Let your team focus on real risk—not wrestling over guideline interpretations. We’ve never lost a guideline debate—even when faced with the classic “we’ve always done it this way” objections.
From Trust to Transformation:
“We used to spend 20 minutes per loan reading guidelines. Now we spend zero.”
“We’ve never had a guideline exception since switching to IncomeXpert.”
“After a few months, we stopped second-guessing the numbers. We trust the platform—and the peace of mind is worth everything.”
Testimonial
Ready to get started with IncomeXpert?
Stop Reading Guidelines. Start Using Them
Time spent reading the FNMA selling guide is time lost.
IncomeXpert lets you shift your focus from reading to underwriting.
✅ Empower junior underwriters to handle complex income with confidence
✅ Eliminate second-look queues caused by income calculation errors
✅ Increase loan throughput and reduce time-to-clear
✅ Equip sales teams with compliant income scenarios, ready for pre-qual
Want to let Sales run income scenarios? No problem.
They’ll get fully compliant, risk-free calculations—and underwriters still have the final say, with insights into where additional income could be supported.
Your FNMA Selling Guide. On Autopilot
You don’t need to memorize the selling guide. You just need software that did.
IncomeXpert brings FNMA guideline mastery to every loan file—automatically.
So your team can stop guessing and start closing.