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ALL INCOME TYPES

Every income types outlined in the agency guidelines are supported.  Employed, self-employed, gross-up, rental income, and more.  Over 30 income types are included, as well as Bank Statements for non-agency lenders.

TRUSTED

Trusted by many of the top lenders and agencies on 10’s of thousands of loans every month.  We continually audit our calculations, and provide Reps and Warrants.

AGENCY GUIDELINES BUILT IN

Struggle to remember all of the agency guidelines?  IncomeXpert checks your loan for guideline compliance and provides warnings or advisories to keep you compliant and help you get the most income for your borrower.

CONSISTENCY

Struggle with getting consistent income? IncomeXpert gives teams consistency in determining income, performing trending analysis, and applying agency guidelines.  All team members get the same answer, every time.

IncomeXpert

A Complete Income System

Income Types Supported

All income type outlined in the FNMA, FHLMC, and FHA guidelines is supported.  We cover every one.  One stop solution for any income scenario.

  • Hourly
  • Salary
  • Commission
  • Tips
  • Bonus
  • Overtime
  • Child Support
  • Sch C
  • 1120
  • 1120S
  • 1065
  • Sch F
  • Rental
  • Alimony
  • Pensions
  • Annuities
  • Military Pay
  • Royalty
  • Assets
  • Business Expenses
  • Bank Statement
  • Investment
  • 401k / IRA
  • Social Security
  • Disability
  • Interest
  • Dividend
  • Capital Gains

Additional Income

  • Automobile Allowance
  • Boarder Income
  • Long Term – Disability
  • Trust Income
  • Foreign Income
  • Foster Care
  • Housing or Parsonage
  • Mortgage Credit Certificates
  • Mortgage Differential
  • Notes Receivable Income
  • Public Assistance
  • Gross up Income
  • Temporary Leave Income
  • VA Benefits Payments
  • Misc Income
  • Unemployment
  • Food Stamps
  • Section 8

How does it work

1. CREATE

Upload through our API or enter borrowers and select what income types they have.

2. CONFIGURE

Select your agency to set the guidelines.  Enter the borrower tax information through our easy to use forms.

3. ANALYZE

Review income trends and pick 1yr or 2yr average.

4. REPORT

Lastly, print off a clear income analysis report showing how the income was determined.

INTEGRATIONS