Income Analysis
Interactive income worksheet, Excel calculator, and the 34-page Processor's Guide to Calculating Income.
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.
HTML tool + downloadable resourcesPre-Submission Review
Checklist, advanced and simple submission forms, and the 47-condition cheat sheet.
HTML tool + downloadable resourcesPrelim Title Decoder
Interactive tools that organize exceptions, liens, vesting, and title issues before submission.
HTML tool + downloadable resourcesChoose your license
One instrument, the complete suite, or access for your whole team.
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/moUp to 10 users
- Every instrument for the whole team
- Onboarding session included
- Priority on new releases
- Cancel anytime
Done for you
Send me the file. I’ll tell you if there’s a path.
Send the income documents, credit report, and prelim if you have it. I’ll tell you how the borrower qualifies, what’s likely to get conditioned, and what to collect before it goes to underwriting.
Thirty years doing exactly this, the last three as a pre-underwriter reviewing files before submission.
$350per file · complex files quoted
- Qualifying income calculated and documented
- All three income paths compared
- Large deposits flagged and listed
- Conditions identified before submission
- Prelim reviewed if provided
- Turnaround in one business day
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.