Mortgage income analysis
Calculate, document, and double-check income before submission.
Use the self-service Income Analysis Instrument or purchase a human-assisted workup based on the borrower’s document type and complexity.
Short answer: Mortgage income analysis organizes the documents, time periods, trends, and calculations used to estimate qualifying income. It can identify questions to resolve, but the lender or authorized underwriter determines the final qualifying income and DTI.
Choose self-service or human-assisted analysis
Income Analysis Instrument · $75
A lifetime license to the interactive worksheet, supporting calculator, and Processor’s Guide to Calculating Income. You enter and interpret the information yourself. Buy this instrument
Human-assisted workup · from $25
Submit the applicable documents through secure intake. Receive a written PDF summary showing the reviewed calculation, observations, and limitations. Compare workup prices
How to use this instrument
- Gather the applicable income documents and redact unnecessary sensitive information.
- Choose the applicable income type, then enter figures exactly as shown and identify the source period.
- Review annualization, trends, missing documents, and tool-generated notes.
- Compare the result with current program guidance, lender overlays, and authorized underwriting direction before relying on it.
See practical use cases
- Compare base, overtime, bonus, commission, or variable income
- Review self-employed, K-1, corporate, partnership, or rental inputs
- Document trends, time periods, missing information, and calculation questions
- Double-check an internal calculation before submission or escalation
Expected output: A structured calculation record and follow-up list. It does not establish the lender's final qualifying income or DTI.
What affects service price and timing?
- Number of borrowers and employers
- W-2/paystub versus self-employed or bank-statement analysis
- Number of corporations, LLCs, partnerships, or K-1 interests
- Number of rental properties
- Missing pages, inconsistent documents, declining income, or other complexity
How the result may be used
The calculation record may help a loan officer or processor double-check an internal calculation, understand a possible discrepancy, prepare questions, or discuss a calculation conflict with the lender. It does not supersede the underwriter, establish final DTI, or guarantee a loan-status change.
Income Analysis Instrument · $75
One-time lifetime license for the interactive tool and included resources.
Buy the Income Analysis Instrument