Choose one mortgage instrument or get the complete system.

Complete Process to Close™ package

One payment. Five instruments. Ninety days of paid assistant access.

Use the tools yourself on every file you personally handle, then bring redacted findings and questions to the protected assistant when you need a structured second pass.

Individual tool licenses

Buy only the instrument you need.

Each individual purchase includes protected account access to the licensed HTML instrument and its included downloadable resources. Expand a tool for details and instructions.

Individual instrument 01

Income Analysis Instrument

Organize wage, self-employed, entity, rental, and mixed-income calculations in a repeatable workflow.

$75 one-time lifetime license

What is included

• Interactive HTML income worksheet
• Supporting calculator and Excel workbook
• Processor’s Guide to Calculating Income
• Saved calculation and review resources

Good 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

How to use it

• 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.

What you produce: A structured calculation record and follow-up list. It does not establish the lender’s final qualifying income or DTI.

Individual instrument 02

Large Deposit Analysis Instrument

Inventory deposits, organize possible exclusions, and build a sourcing-document checklist before underwriting.

$75 one-time lifetime license

What is included

• Interactive large-deposit worksheet
• Deposit Exclusion Guide
• Deposit notes and sourcing checklist
• Reusable review workflow

Good use cases

• Review bank statements before submission
• Separate payroll, transfers, refunds, and other possible exclusions
• Track deposits that may require sourcing or explanation
• Create a clean handoff for the loan officer, processor, or underwriter

How to use it

• Enter the account owner, statement period, deposit date, amount, and description.
• Classify each item only from the documents available; do not assume the source.
• Use the guide to organize possible exclusions and documents that may be needed.
• Confirm the applicable threshold and treatment under current agency, investor, program, and lender requirements.

What you produce: A deposit inventory and sourcing follow-up list. The tool does not decide whether a deposit is acceptable.

Individual instrument 03

Pre-Submission Review Instrument

Run a consistent file preflight across income, assets, credit, property, title, and common conditions.

$75 one-time lifetime license

What is included

• Interactive 7-gate pre-submission checklist (73 severity-ranked checks)
• Auto-built missing-document, risk-flag, and suggested-condition lists
• Printable UW summary one-pager
• Simple and advanced submission forms
• 47-condition reference
• Structured unresolved-item notes

Good use cases

• Check a file before the initial underwriting submission
• Prepare a cleaner processor-to-underwriter handoff
• Identify missing pages, dates, explanations, or supporting documents
• Prioritize open items before a resubmission

How to use it

• Select the relevant file sections and complete each checklist item from the source documents.
• Record unresolved facts instead of guessing or marking them complete.
• Use the condition reference to prepare precise follow-up requests.
• Save the completed review with the file notes and verify all current compliance, lender, and underwriting requirements.

What you produce: A prioritized pre-submission checklist and open-item record. It is not a compliance clearance or underwriting approval.

Individual instrument 04

Preliminary Title Decoder

Organize vesting, ownership, liens, judgments, exceptions, and title questions into an actionable review list.

$75 one-time lifetime license

What is included

• Interactive preliminary-title decoder
• Vesting and ownership review fields
• Lien and exception tracker
• Follow-up question list

Good use cases

• Compare proposed vesting with the application and transaction
• Identify liens, judgments, or ownership details needing follow-up
• Organize exceptions for title-company or lender review
• Prepare questions before the file reaches final underwriting

How to use it

• Use the current preliminary title report and enter only the people, property, vesting, liens, and exceptions shown.
• Compare those entries with the application, transaction, and intended vesting.
• Assign each unresolved item to the appropriate title, lender, borrower, or legal contact.
• Obtain the required professional determination; do not use the tool as a title opinion or legal conclusion.

What you produce: An organized title follow-up list. It does not determine ownership rights, lien priority, insurability, or legal acceptability.

Individual instrument 05

AUS Findings Decoder

Translate and organize redacted DU and LPA findings into likely issue categories and a verification checklist.

$75 one-time lifetime license

What is included

• Interactive DU and LPA findings organizer
• Issue-category workflow
• Likely-cause and verification checklist
• Corrective-action notes

Good use cases

• Organize findings when a file is not receiving the expected recommendation
• Separate possible data-entry, credit, income, asset, property, and eligibility issues
• Prepare a focused question for the lender, AUS help desk, or underwriter
• Track changes before rerunning the lender’s official AUS

How to use it

• Run the official AUS through the lender-approved system and redact unnecessary sensitive data before using this tool.
• Enter or paste only the relevant findings and known file facts.
• Review each possible cause as a verification item, not as a guaranteed diagnosis or fix.
• Correct information only in the authorized loan system, rerun the official AUS there, and follow the resulting current findings and lender direction.

What you produce: An organized troubleshooting checklist. The decoder does not connect to DU or LPA, alter a loan file, or issue an AUS result.

Best bundle value

Need more than one instrument?

Two individual instruments would cost $150. The $147 Operator System includes all five instruments, supporting resources, and 90 days of U/W GPT Assistant access.

A repeatable workflow

• Organize the file and submission notes.
• Calculate and document income inputs.
• Identify deposits, title items, and likely conditions.
• Decode the official AUS findings and prioritize open issues.
• Use the paid assistant for a redacted second pass, then verify against the original findings and current lender or investor requirements.

Important: Every instrument is professional workflow and decision support. The tools do not issue an AUS result, make a credit or underwriting decision, determine final income or DTI, replace current guidelines or lender overlays, or guarantee approval, closing, or condition clearance.