In order to delete a user from your IncomeXpert account, you must have the correct role and permissions. Users must be in a role that has the Delete user permission. To delete a user, to go the ACCOUNT page and select EDIT USERS. After pressing EDIT USERS the screen will reconfigure to reveal options per-user on the account. Use the search box to find the username of the user you would like to delete. Click the
IncomeXpert and IncomeXpert PLUS provide detailed trending analysis of income to help users see the bigger picture of a borrower and comply with agency guidelines and your company’s policy for income trends. By default IncomeXpert is set to conservative thresholds. If your company has different thresholds, we can adjust the IncomeXpert defaults to your company thresholds. The adjustment of these values requires written notification by a company officer or senior manager. Clients may set thresholds
IncomeXpert reviews each loan for over 200 potential income advisories. These advisories will notify you of potential issues with the income, compliance to an agency guideline. They are visible on the Income page as the data is being entered, and are summarized on the Report page. Note: The advisories on a loan file will change based on the agency selected. The presence of an advisory does not mean the income can not be used, nor
IncomeXpert has the concept of roles and enforces these via a Role Manager feature. These roles control what permissions users with that role have. One of the permissions in the role manager controls what files you can see. Thus, some users with different roles may see different loans in their IncomeXpert screen. IncomeXpert also support multiple types of loan files. These additional file types are typically used for employee loans, or special clients. The role
When you select different lending agencies IncomeXpert will review the guidelines and adjust what fields are allowed. Sometimes an agency may not permit a certain aspect of income to be used, such as Capital Gain Income as shown below. When this occurs IncomeXpert will grey out the cell and set the value to zero. By adjusting the agency the box can be re-enabled again.
File locking is a feature to curb the practice of file reuse which is prohibited in our Terms of Service. File reuse is where users reuse the same IncomeXpert file to analyze income on multiple loans to avoid being charged for a new IncomeXpert loan. Premium Teams Enterprise Under 120 days Free to edit Free to edit Free to edit 120-180 days(partial lock) Edit values only Edit values only Edit values only Over 180
Underwriters analyze borrower income to determine how much qualifying income can be used. Qualifying income must be stable and be expected to reasonably continue for 36 months. If IncomeXpert gives an answer of zero this may mean zero qualified income, not zero earned income. IncomeXpert will provide specific advisories on the income analysis report to provide the reason why the income is not qualified. We recommend that you work with your underwriting team to get
In short, you can’t. IncomeXpert does not allow deletion of a file for tracking purposes, compliance, and billing reasons. If you no longer need a file we suggest changing the loan ID or annotate the loan ID as old to more quickly identify these loans during a search.
The 2nd year is greyed out to indicate no data has been entered. IncomeXpert uses two shades of grey for income entry cells. Dark tones are used to indicate cells that can’t be edited and this can be determined by hovering over the cell you will see a Do Not Enter mouse pointer. If you see a lighter tone and that has a normal mouse pointer this is indicating that no data is entered for
IncomeXpert supports over 30 forms of income as defined by agency guidelines. When using the API it is important you properly map your borrower income type to the API call appropriate for this income. Income Type Database Type Hourly, Salary, Commission Employed 1065 1065 1120 1120 1120S 1120S Sch C Sch C Sch F Sch F Military Military Interest / Dividend / Capital Gains & Loss Investment Unemployment Unemployment Asset As Income Asset As Income
