The Mortgage File IQ StoreTool / Calculator
Self-Employed Income Architect
$24.99 one-time
An AI diagnostic that walks self-employed borrowers through their tax returns to estimate mortgage-qualifying income under agency guidelines.
The Mortgage File IQ Store
Guides, calculators, and the Pro Library.
One-time digital products built from 25+ years of mortgage operations experience. Buy once, download instantly, keep forever. Secure checkout through Stripe.
One-time purchases. No subscriptions. Every product below is a standalone digital download — guides and ebooks as readable files, calculators and tools as self-contained files that run offline. Your download link is emailed immediately after purchase.
The catalog
60 products. Pick your lane.
Tool / Calculator
The Sunday Scenario Bot
$24.99 one-time
A white-labeled B2B AI bot that loan officers give their realtor partners for preliminary mortgage scenario checks on weekends.
Tool / Calculator
The Realtor's Buyer-Vetting Assistant
$24.99 one-time
A white-labeled chatbot that pre-screens buyers' mortgage literacy and document readiness before agents schedule showings.
Tool / Calculator
The Refi Break-Even Coach
$24.99 one-time
Teaches homeowners the true cost of refinancing with a break-even analysis from their own statement data.
Tool / Calculator
The Mortgage Document Vault Organizer
$24.99 one-time
An AI that identifies, renames, and categorizes borrower financial documents into a lender-ready digital vault.
Tool / Calculator
The Closing Cost Crystal Ball
$24.99 one-time
Hyper-local, itemized closing-cost estimates by zip code via RAG over state-specific closing customs.
Tool / Calculator
The VA Entitlement Strategist
$24.99 one-time
Calculates VA bonus and Tier 2 entitlement for veterans keeping one home and buying another.
Tool / Calculator
The Rate Tier Optimizer
$24.99 one-time
Shows borrowers exactly how crossing LLPA credit-score buckets changes their rate and lifetime loan cost.
Tool / Calculator
The MIP Exit Path Finder
$24.99 one-time
Tells FHA homeowners which MIP rule era they're in and the break-even math for refinancing to conventional.
Tool / Calculator
The Buy-Down & Concession Strategist
$24.99 one-time
Compares seller-funded rate buy-downs (2-1, 3-2-1) vs price reductions with side-by-side strategy math.
Tool / Calculator
The Asset-Based Income Educator
$24.99 one-time
Educates asset-rich, income-light borrowers on asset depletion/dissipation loan programs.
Tool / Calculator
(Mutated) The Self-Employed 'Clean File' Audit Kit
$24.99 one-time
A self-audit workbook that lets 1099 borrowers pre-scrub tax returns, P&Ls, and bank statements against Fannie/Freddie standards before applying.
Tool / Calculator
(Mutated) The 'Underwriter-Ready' Document Audit Kit
$24.99 one-time
A borrower-facing toolkit — red-flag finder for bank statements plus paystub integrity check — that teaches buyers to pre-underwrite their own documents.
Borrower Guide
The 1099 Homebuyer Blueprint
$24.99 one-time
Mini ebook teaching self-employed borrowers how to read their own tax returns to find their mortgage income before applying.
Borrower Guide
The Gift Fund Protocol
$24.99 one-time
Mini ebook + template kit teaching borrowers how to document down payment gifts to agency standards.
Borrower Guide
(Mutated) The Large Deposit Audit Kit
$24.99 one-time
Toolkit helping borrowers identify, categorize, and document every non-payroll deposit before the underwriter sees it.
Borrower Guide
The Underwriter's Secret Condition Decoder
$24.99 one-time
Mini ebook decoding the 50 most common underwriting conditions into plain-English explanations with exact document fixes.
Tool / Calculator
(Mutated) The 'Clean File' Pre-Submission Audit Kit
$24.99 one-time
Pro-grade pre-submission audit toolkit for LOAs and processors to catch document errors before underwriting.
Borrower Guide
The Rental Income Accelerator
$24.99 one-time
Mini ebook + worksheet teaching aspiring investors how lenders calculate net rental income (Form 1007, the 75% rule).
Borrower Guide
The Mortgage Document Vault System
$24.99 one-time
Mini ebook on mortgage document logistics: naming conventions, file formats, and the folder structure underwriters love.
Borrower Guide
The Student Loan DTI Playbook
$24.99 one-time
Mini ebook + DTI calculator explaining how FHA, VA, and Conventional treat student loans, especially IDR plans.
Borrower Guide
The Bank Statement Loan Blueprint
$44.99 one-time
Mini ebook demystifying Non-QM bank-statement lending for self-employed borrowers with heavy legal write-offs.
Borrower Guide
The Divorce Equity & Exit Strategy
$24.99 one-time
Mini ebook + checklist for divorcing borrowers on equity buyouts, alimony treatment, and qualifying for the next home.
Borrower Guide
The Co-Signer's Financial Safety Manual
$24.99 one-time
Mini ebook for parents/relatives explaining co-signer liability, credit impact, and future borrowing power.
Borrower Guide
The Appraisal Gap Survival Guide
$24.99 one-time
Tactical mini ebook for buyers on handling appraisal shortfalls: rebuttals, LTV restructuring, seller negotiation.
Borrower Guide
The Tech Worker's RSU Income Strategy
$44.99 one-time
Mini ebook + calculator helping tech employees package RSU, bonus, and stock-option income for underwriters.
Borrower Guide
The Mortgage-Specific Credit Scorecard
$24.99 one-time
Mini ebook + analyzer focused on mortgage FICO models (2, 4, 5) vs the consumer VantageScore.
Borrower Guide
The 5% Down Multi-Unit Starter Kit
$24.99 one-time
Mini ebook + calculator on the 5%-down rule for 2–4 unit primary residences (Fannie/Freddie rule change).
Borrower Guide
The 'Buy Before You Sell' Exit Strategy
$44.99 one-time
Mini ebook comparing bridge loans, HELOC-to-purchase, and modern buy-before-you-sell programs for move-up buyers.
Borrower Guide
The ITIN Homebuyer's Roadmap
$24.99 one-time
Bilingual mini ebook on ITIN mortgage programs, document requirements, and lender sourcing.
Borrower Guide
(Mutated) The ITIN Self-Employed Income 'Pre-Underwriter' Toolkit
$44.99 one-time
Income toolkit for self-employed ITIN holders: bank-statement calculator, P&L template, and underwriter red-flag guide.
Pro Library
The Self-Employed Income Decoder
$88.99 one-time
A mini-ebook and logic-map that teaches Loan Officers to calculate qualifying income for self-employed borrowers like a senior underwriter.
Pro Library
Clear to Close: The Processor's Condition Playbook
$88.99 one-time
Clear to Close: The Processor's Condition Playbook — a tactical mini-ebook teaching processors to anticipate underwriting conditions before they're issued, so files go clear to close faster.
Pro Library
The AI-Augmented Loan Officer
$88.99 one-time
A mini-ebook + copy-paste prompt library that automates 40% of an LO's daily admin while keeping the personal touch.
Borrower Guide
(Mutated) The Self-Employed Income Pre-Flight Kit
$24.99 one-time
A mutated borrower toolkit of copy-paste LLM prompts that pre-analyzes a self-employed borrower's own tax returns before the bank does.
Pro Library
The Investor-Focused LO Playbook
$88.99 one-time
A mini-ebook teaching LOs to pivot from retail buyers to real estate investors using DSCR and multi-family guidelines.
Pro Library
The Mortgage Guideline Cheat Sheet Collection
$88.99 one-time
A visual cheat-sheet mini-ebook distilling FNMA/FHLMC/FHA/VA guidelines into 30-second answers.
Pro Library
The Loan Partner Growth Manual
$88.99 one-time
A mini-ebook that teaches high-volume LOs to train their first Loan Partner and offload $25/hour tasks.
Pro Library
The Modern Agent Referral Framework
$88.99 one-time
A value-first mini-ebook for LOs to win realtor referrals through preliminary file reviews.
Pro Library
The VA Lending Mastery Guide
$88.99 one-time
A mini-ebook that turns LOs into VA-loan specialists through residual-income mastery.
Pro Library
The Automated Follow-Up Blueprint
$88.99 one-time
A mini-ebook with CRM workflow logic and templates to nurture a dead lead database educationally.
Pro Library
The Branch Manager Transition Guide
$88.99 one-time
A mini-ebook explaining mortgage branch P&L and recruitment for top-producing LOs moving into management.
Pro Library
The Divorce Lending Specialist Handbook
$88.99 one-time
A mini-ebook teaching LOs to specialize in divorce-related mortgage files at the family-law/underwriting intersection.
Pro Library
The Non-QM Underwriting Success Guide
$88.99 one-time
A technical mini-ebook teaching LOs to structure bank-statement and DSCR files for Non-QM outlets.
Pro Library
The Renovation Loan Mastery Manual
$88.99 one-time
A technical mini-ebook making LOs the local expert in FHA 203k and Fannie Mae Homestyle renovation loans.
Pro Library
The Small-Scale Builder Partnership Blueprint
$88.99 one-time
A strategic ebook teaching LOs to win bulk referrals from small builders through preliminary project reviews.
Pro Library
The Asset Depletion & HNW Qualifying Guide
$88.99 one-time
A technical mini-ebook teaching LOs asset-depletion and trust-income math for high-net-worth borrowers.
Pro Library
The ITIN Lending Blueprint
$88.99 one-time
A comprehensive mini-ebook for LOs to master ITIN lending in the underserved non-SSN market.
Pro Library
The Commercial Referral Catalyst
$88.99 one-time
A mini-ebook teaching residential LOs to identify, vet, and hand off commercial leads for referral fees.
Pro Library
The Post-Closing Referral Machine
$88.99 one-time
A tactical manual for LOs to turn the 30-day post-closing window into borrower-to-borrower referrals.
Pro Library
The Digital Lead Whisperer
$88.99 one-time
A psychological training guide for LOs on speed-to-lead, objection handling, and long-game nurture of bought leads.
Pro Library
The Home Equity Strategic Playbook
$88.99 one-time
A mini-ebook teaching LOs to pivot to HELOC and second-lien strategies when refi volume craters.
Tool / Calculator
(Mutated) The 'Rate-Lock Saver' Blended Rate Calculator
$24.99 one-time
A mutated interactive tool calculating blended rate of keeping a low-rate mortgage plus a HELOC vs. a cash-out refi.
Pro Library
The Foreign National Qualifying Blueprint
$88.99 one-time
A specialized mini-ebook for LOs on documenting and structuring files for non-resident alien buyers.
Pro Library
The Solar Lien & Green Financing Manual
$88.99 one-time
A mini-ebook for LOs and processors on navigating solar UCC-1 filings, lease assumptions, and EEM programs.
Pro Library
The Student Loan DTI Optimization Manual
$88.99 one-time
A technical mini-ebook teaching LOs to calculate student-loan payments per program to optimize borrower DTI.
Pro Library
The Corporate Relocation Partner Playbook
$88.99 one-time
A mini-ebook teaching LOs to build preferred-lender relationships with corporate HR departments for relocation leads.
Pro Library
The 1031 Exchange & Bridge Loan Framework
$88.99 one-time
A strategic manual for LOs on bridge financing and 1031 tax-deferred exchanges for move-up buyers.
Tool / Calculator
Mortgage Grapevine: Scenario-to-Lender Matcher
$24.99 one-time
A scenario-posting board plus a matching agent: brokers post tough loan scenarios, lenders respond — and an agent searches a lender database by parameters (FICO, DTI, LTV, BK seasoning, cash-out, title seasoning, close t
Tool / Calculator
ITIN Eligibility & Conditions Agent
$24.99 one-time
A functional pro app for brokers, LOs, realtors, and processors that determines ITIN borrower eligibility, explains each required doc, tracks status based on docs received, establishes the rules, and tells you exactly what to do next.
How delivery works
Buy in under a minute.
- Tap Buy on any product to open secure Stripe checkout.
- Pay with any major card. No account or subscription required.
- Your one-time download link arrives by email and is also available from your account page for 30 days.
- Delivery questions: info@mortgagefileiq.com · (323) 709-7720.
Educational estimates only. All calculators and guides are educational estimates, not lending, legal, or tax advice. Every purchase is for general information and does not create a lender, advisor, or attorney relationship. Verify all figures, guidelines, and eligibility with your lender, underwriter, or licensed professional before acting.