IncomeXpert offers multi-factor authentication for users using username and password for authentication. Enablement of MFA is optional and determined by the lender’s internal policies and preferences. MFA can be enabled and configured by any user with the Reset Passwords permission in Role Manager. To configure MFA, go to the ACCOUNT page on the top navigation. Click on the MFA Controls button. The MFA Controls button will open a modal window where you can globally
Effective May 15, 2026: IncomeXpert now runs through a new workflow inside your Encompass Desktop Client (Smart Client). Both IncomeXpert Guided and IncomeXpert PLUS income analysis launch from the same place — the Services tab — and complete inside the Blueprint web UI. NOTE if your team uses the WEB VERSION of Encompass this does not apply, see separate Knowledge Base Article on WEB ENCOMPASS work flow This replaces the previous Encompass Partner Connect workflow where
We have made updates to our rental income screen and REO (Real Estate Owned) controls designed to improve efficiency, enhance clarity, and maintain compliance with agency guidelines. Our first change is the consolidation of qualifying questions across properties. Previously, users were required to answer the same set of questions for each individual property—resulting in repetitive clicks and inefficiencies. With this update, your responses to the qualifying questions will now apply universally across all REO properties
Effective May 19, 2025, changes have been implemented to how variable income is calculated within our system. These updates are the result of valuable client feedback following our March 2025 release, which brought FHA and VA income calculations more in line with those used for conforming loans. After a thorough analysis, we’ve refined the way certain income types are handled to better align with FHA Handbook 4000.1 guidelines. Overview of the Changes The recent updates
A common question we receive from clients is in regards to a “one year” review of the most recent tax year on their borrower’s self-employed income versus a “two year” review. I sent in 1065/1120S/1120 but only sent one year of tax returns. Why did your system give me “no income” and require 2 years? Our system is designed to default to a two-year review of self-employed income, as this aligns with standard agency guidelines.
One of the most common questions we receive from clients with borrowers who are self-employed is “Why did Blueprint subtract income when it shows a positive number on my business tax form?” This article will explain those instances and how to adjust your review accordingly. The following line items are examples of types of incomes that are referred to in the guidelines as ‘non-recurring income/losses’. These items reflect income or expenses that are not considered
Documents uploaded for review and extraction with IncomeXpert PLUS are processed based on the tax years and agency selected. The system will extract the numbers from the correct places on the documents and enter those numbers into the software, giving you your final income calculations. This is what we call “processing of documents”. Reprocessing will re-analyze previously uploaded documents and re-extract the document data and apply it to the loan file. When is reprocessing
In this webinar Michal and Christopher introduce you to the Fannie Mae Income Calculator and its integration into IncomeXpert. This webinar covers: Overview of Fannie Mae Income Calculator Using Income Calculator via the web Using Income Calculator through IncomeXpert Overview of Reps and Warrants – IncomeXpert & Income Calculator How to get started with Income Calculator
On your email notification that your IncomeXpert PLUS loan is completed, you will see a notice that says: You must enter PITI if Real Estate Owned was submitted When you submit a Schedule E with the rental property information, it is lacking the mortgage payment information, i.e. the Principal, Interest, Taxes and Insurance, or PITI for short. IncomeXpert is unable to calculate the correct rental income because the PITI is missing. You will see a
If you notice some income sources are missing from your IncomeXpert PLUS loan that you expected to be there, it could be due to one of the following reasons. Ensure the missing income is a supported income types. IncomeXpert supports all agency income types. However IncomeXpert PLUS only supports a subset of those incomes. You can refer to our Supported Income Types article for more details. The borrower social security numbers may not match the
