IncomeXpert - automation you control
Automation and guidance when you need it, overrides and manual control when you want to do it yourself. Roles and controls for the whole team to get the income right.
Zero repurchase demands
0
Yrs
Underwriting advisories
0
+
Agencies covered
0
Extra cost for reps & warrants
$
0
How IncomeXpert Works
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.
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.
3. Advise
With over 200 underwriting advisories covering eligibility, stability, and income opportunities, IncomeXpert remembers all of the guidelines your team may forget..
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.
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.
What you get
AI-Powered Document Analysis
Our mortgage income verification software leverages advanced AI technology to extract, validate, and compute mortgage income analysis from uploaded financial documents. The platform delivers precise income calculations while maintaining strict adherence to agency guidelines. This automated income analysis platform manages intricate scenarios with exceptional clarity and consistency.
Change Log & Audit Trail
Our mortgage income analysis system documents every modification through a detailed audit log that captures all income adjustments. This comprehensive change tracking supports compliance audits and risk management protocols. Time-stamped records provide complete transparency for underwriters and auditors reviewing mortgage income verification software results.
Guideline & Income Coverage
Lenders can rest easy knowing IncomeXpert has checked all the guidelines and applied advisories and conditions to their mortgage income analysis. All agencies are covered, and all incomes, so you have full rep and warrant coverage on guideline compliance.
Role Management & Access Control
Our mortgage income verification software delivers sophisticated controls for managing user roles and system access. The platform restricts sensitive operations exclusively to authorized team members. This role-based security enhances accountability and protects critical income data throughout the mortgage income analysis evaluation process.
Full Reps and Warrants
IncomeXpert offers full reps and warrants at no additional cost to all users, even if you aren't using FNMA Income Calculator or FHLMC AIM Check. We stand by our work and don't charge extra for it.
LOS Integration
Connect IncomeXpert to you LOS and gain additional efficiency by leveraging data you already have and keep data synced. We are integrated with Encompass supporting Desktop Underwriter and Encompass for Web.
As Used By
Testimonial
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
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.