IncomeXpert: Automation You Control
IncomeXpert is income calculation software for lenders, turning tax returns, pay stubs, and bank statements into one guideline-backed income figure.
Zero repurchase demands
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Underwriting advisories
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Agencies covered
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Extra cost for reps & warrants
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Why Lenders Choose IncomeXpert
Consistent Answers, Every Time
Every underwriter on your team calculates income the same way, on the same file, no matter who's working it or which branch they're in. On standard, applied everywhere.
Defensible Data Long After the Loan Closes
When an investor, auditor, or reviewer asks how a number was reached, your team has a documented answer ready, not a reconstruction project.
Underwriters Keep the Final Call
IncomeXpert calculates and advises, but your team still reviews, overrides, and documents the decision. Nobody loses authority to a black box.
Less Manual Work, More Files Moved
Your team spends less time keying and rebuilding calculations and more time on review, exceptions, and moving files forward, without adding headcount.
What you get
Guideline & Income Coverage
One Worksheet, One Standard, Every Underwriter. All five agencies. Every income type. The same guideline logic applied the same way, whether it's your newest underwriter or your most senior one, with full rep and warrant coverage on guideline compliance included on every file.
Defensible Evidence
A Number You Can Defend. Every file gets full reps and warrants at no extra cost, plus a complete, time-stamped change log of every adjustment. When an auditor, investor, or QC reviewer asks how you got the number, you show them, you don't reconstruct it from memory.
Automation Where You Want It, Control Where You Need It
Automation Where You Want It, Control Where You Need It. Upload documents and let IncomeXpert extract and calculate automatically, or work through a guided worksheet by hand, loan by loan, your call. Your underwriters can always override the recommendation and document why.
Built for the Income That's Actually Hard
Built for the Income That's Challenging (need to rework on the mock up). Self-employed borrowers, business returns, rental income, multiple income sources. IncomeXpert handles the scenarios that eat up your most experienced underwriters' time, and gets newer team members to the same answer just as reliably.
Role-Based Controls for the Whole Team
Role-Based Controls for the Whole Team. Restrict sensitive actions to the right people at the right stage of the loan. Sales, processing, and underwriting each see and do what their role allows, so oversight doesn't depend on someone remembering to check.
Connects to the LOS You Already Use
Connects to the LOS You Already Use. IncomeXpert integrates with Encompass, supporting both Desktop Underwriter and Encompass for Web, so data flows in and stays synced without double entry.” Small linked line beneath the card, styled lighter than the six main cards, not as a seventh feature block:
See exactly how a file moves through IncomeXpert.
How IncomeXpert Works
STEP 1
Upload
Tax returns, pay stubs, bank statements, W2. IncomeXpert reads each document individually, finds the information needed and creates income worksheets based on your borrower’s data.
STEP 2
Calculate
The IncomeXpert is three income analysis engines in one. IncomeXpert is also integrated with FNMA Income Calculator and FHLMC AIM Check. You get the power of three income analysis engines at your fingertips.
STEP 3
Advise
With over 200 underwriting advisories covering eligibility, stability, and income opportunities, IncomeXpert remembers all of the guidelines your team may forget..
STEP 4
Adjust
We give your team the ability to deviate from the IncomeXpert recommendation, and qualify at a different income. Your underwriting team doesn’t lose control to take acceptable risk, where appropriate.
STEP 5
Finalize
The result is a single worksheet showing every source, calculation, advisory, and adjustment behind the number. It’s version-controlled and backed by a full field-level change log, so anyone auditing the file later sees exactly how the income was decided.
See exactly how a file moves through IncomeXpert.
TESTAMONIALS
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!
Jean M.
Heritage Bank
Peace of mind when getting the income right with reps and warrants, and less investor pushback.
Jill Beauclair
Direct Mortgage Lending
Accuracy and ease.” “I have been very pleased with the program and the support of Blueprint.
Jill Lentz Antoine
Mortgage 1 Inc.
Its easy and fast
Coya Anderson
Orion Lending
AS USED BY
Frequently Asked Questions
IncomeXpert is built with controls in place so the entire team can use it. Sales and operations.
IncomeXpert is bult for mortgage, consumer, and HELOC. We have a broad variety of lenders using IncomeXpert for a variety of lending scenarios where getting the income correct is essential.
When incomeXpert says automated, this is where you the lender are uploading income documents to us for scanning. A guided review is where your team follows our web view to enter the income data for IncomeXpert to analyze. IncomeXpert guides the user as to what data to enter and any advisories that might arise.
IncomeXpert is software for lenders to equip their teams with the confidence and automation to calculate income for any scenario with confidence.
IncomeXpert provides rep and warrant relief to our clients if you are using our recommended income values.
Additionally if you are using FNMA Income Calculator or FHLMC AIM Check through IncomeXpert, then FNMA will provide rep and warrant relief on that specific income.
In some scenarios you might have R&W coverage from FNMA Income Calculator on some income, but R&W coverage from IncomeXpert on the incomes not supported by FNMA Income Calculator.
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.
Yes, we are integrated with Encompass and are working on adding more native LOS integrations. We also have an API for scenarios where lenders want to build something more custom themselves.