Income Analysis
Interactive income worksheet, Excel calculator, and the 34-page Processor's Guide to Calculating Income.
Self-service HTML tool + downloadable resourcesUnderwriting intelligence for mortgage professionals
Catch the condition before the underwriter does.
Decision-support tools for loan officers and brokers who need clearer files, cleaner submissions, and fewer last-minute surprises.
Built from 30 years of processing and pre-underwriting experience.
82Needs attention
3 items likely to trigger conditions
3 items likely to trigger conditions
STOPUnexplained large deposit
Source, document, and resolve before submission.
CAUTIONYTD income trend
Source, document, and resolve before submission.
INFOTitle vesting mismatch
Source, document, and resolve before submission.
30+Years in mortgage operations
4Purpose-built instruments
1Cleaner path to close
The instrument library
Practical tools for the files that need a second set of eyes.
Large Deposit Analysis
Large Deposit Worksheet plus the illustrated Deposit Exclusion Guide.
Self-service HTML tool + downloadable resourcesPre-Submission Review
Checklist, advanced and simple submission forms, and the 47-condition cheat sheet.
Self-service HTML tool + downloadable resourcesPrelim Title Decoder
Interactive tools that organize exceptions, liens, vesting, and title issues before submission.
Self-service HTML tool + downloadable resourcesChoose your license
One instrument, the complete suite, or access for your whole team.
Self-service resources
Licensed HTML instruments and downloadable professional resources that you use and interpret yourself. They do not include an individualized file review.
Individual document review
A separately purchased service in which submitted file documents are reviewed and the observations and scenarios are returned in a written PDF summary.
One tool
$197One-time · lifetime license
- Your choice of any one instrument
- Yours to keep, no renewal
- Licensed HTML access and saved files
The full suite
$597One-time · lifetime license
- All four instruments
- Every future update included
- Grandfathered if pricing changes
- Use on every file you touch
Team license
$497/moRecurring monthly · up to 10 users
- Every instrument for the whole team
- Onboarding session included
- Priority on new releases
- Cancel at least 5 business days before renewal
Done for you
Send me the file. I’ll identify the issues and possible paths.
This is an individualized document-review service—not a software-tool license. Submit the income documents, credit report, and prelim if available. The review identifies potential qualifying scenarios, documentation gaps, and issues likely to be conditioned.
Thirty years doing exactly this, including pre-underwriting review before submission.
The review is decision-support information, not legal, financial, lending, or underwriting advice. It does not make a credit decision or guarantee approval, eligibility, closing, or any other loan outcome.
$350per standard file · complex files quoted separately
- Qualifying income calculated and documented
- Available income paths compared
- Large deposits flagged and listed
- Potential conditions identified
- Prelim reviewed if provided
- PDF summary after review
- Standard target: one business day after all required documents are received
Clear purchase policies
What happens after you order.
Digital delivery
After payment confirmation, access instructions are emailed to the purchase address. HTML tools remain in your account. Downloadable files are provided through a one-time-use link and should be saved when opened.
Refunds
Downloaded digital tools and resources are non-refundable. Duplicate charges, delivery failures, or purchases that have not been accessed should be reported promptly for review.
Subscriptions
Team-plan cancellation requests must reach us at least five business days before the next billing date. Cancellation stops future renewals and does not refund the current paid period.
File-review cancellations
Done-for-you review cancellations must be requested within 48 hours of purchase. After that window, the service is non-refundable except where required by law or where we cannot deliver it.
Read the complete Terms of Use and purchase policies.
Free field guide
Deposit Exclusion Guide: what counts, what gets backed out, and why.
Enter your real email. We’ll send a confirmation link first, then deliver the illustrated PDF only after the address is verified.
Contact Mortgage File IQ
Questions before you purchase? Reach a real person.
For purchase questions, delivery support, cancellation requests, or file-review questions, use any of the options below. Social profiles are provided so you can get to know the person behind the tools; account-specific and document-related requests should be sent by email or WhatsApp.