Income Analysis
Interactive income worksheet, Excel calculator, and the 28-page Processor's Guide to Calculating Income.
Self-service HTML tool + downloadable resourcesLearn what it covers →Underwriting 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.
30+Years in mortgage operations
5Purpose-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 resourcesLearn what it covers →Pre-Submission Review
Checklist, advanced and simple submission forms, and the 47-condition cheat sheet.
Self-service HTML tool + downloadable resourcesLearn what it covers →Prelim Title Decoder
Interactive tools that organize exceptions, liens, vesting, and title issues before submission.
Self-service HTML tool + downloadable resourcesLearn what it covers →AUS Findings Decoder
A structured DU and LPA findings decoder for organizing common messages, likely causes, and next checks.
Self-service HTML tool + downloadable resourcesLearn what it covers →Choose your license
Choose one instrument or launch with the complete Operator System.
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.
Any one tool
$75One-time · lifetime license
- Your choice of any one instrument
- Yours to keep, no renewal
- Licensed HTML access and saved files
Process to Close™ Operator System
$147One-time · lifetime tool license
- All five self-service instruments
- Condition, submission, income, deposit, title, and AUS resources
- 90 days of paid assistant access
- Use on every file you personally handle
Need multiple users?
CustomPricing based on team size and access needs
- Centralized access planning
- Onboarding options
- Clear written quote before purchase
Standalone professional AI access
Mortgage File IQ U/W GPT Assistant
Use the protected assistant by itself to work through redacted DU/LPA findings, common AUS errors, income questions, conditions, and file structure. You do not have to purchase the other instruments. It is separate from the public website chatbot and is available only after purchase and customer sign-in.
Monthly U/W assistant
$49/monthUp to 150 requests each month. Cancel future renewals from your secure account.
Start GPT-only access12-month U/W assistant pass
$397Twelve months of access with the same monthly allowance and no automatic renewal.
Buy the 12-month passOperator System
$147All five lifetime-licensed tools plus 90 days of U/W GPT Assistant access.
View the complete systemAI limitation: This is informational decision support, not an underwriter or official AUS. AI can misunderstand, omit, or invent information. Clear, complete, redacted prompts can improve a response but cannot guarantee accuracy. Verify every response against the original findings and current applicable requirements.
Human-assisted income workups
Choose the income analysis that matches the documentation.
Pricing is based on the document type and number of borrowers, businesses, entities, or rental properties reviewed. Every workup is delivered as a written PDF summary. The service is an independent calculation and document review—not an underwriting decision or approval determination.
Wage-earner workup
$25Per borrower · current W-2s and paystubs, including updated paystubs when supplied or requested.
Target: 1 business day after complete documentsPersonal return workup
$75Per borrower/business · personal returns, Schedule C, 1099, K-1, or similar self-employed income documents.
Target: 2–3 business days after complete documentsBank-statement workup
$125Per borrower/business and statement set. Additional accounts or unusual complexity may require a written quote.
Target: 3–4 business days after complete documentsCorporation, LLC or partnership
$75Per entity return reviewed. Multiple corporations or LLCs are priced separately because each requires its own analysis.
Add 1–2 business days per entityRental property workup
$35Per property, based on the applicable return schedules and supporting documents supplied.
Timing increases with property count and document complexity10 W-2 workups
$200Ten wage-earner workups for one purchasing business, valid for 90 days. Complex income types are priced separately.
Unused workups expire 90 days after purchaseComplete-document timing: Turnaround begins only after all required, readable documents and instructions are received. If documents are missing, we will send a notice identifying what is needed. You then have 48 hours to provide the documents or submit a cancellation request for manual review. No cancellation is automatic. If there is no response within that notice period, the order may be closed and becomes non-refundable except where required by law.
Complete file review
Send the file for a broader document review.
This is an individualized document-review service—not a software-tool license. Submit the income documents, credit report, and preliminary title report if available. The review identifies calculation issues, documentation gaps, and possible scenarios to discuss with the lender or authorized underwriter.
Built from 30 years of mortgage processing and pre-underwriting experience.
The review is decision-support information, not legal, financial, lending, or underwriting advice. It does not establish DTI, replace lender guidelines, supersede an underwriter’s calculation, change a loan decision, or guarantee approval, eligibility, closing, or any other 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.
Income and file-review cancellations
Cancellation requests are manually reviewed under the applicable 48-hour purchase or missing-document window. Work already completed or delivered is non-refundable except where required by law.
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.
Mortgage income field reference
From W-2 income to complex business returns.
The Processor's Guide to Calculating Income covers wage, self-employed, corporate, partnership, rental, and mixed-income files in one practical reference.
See what the guide covers
Frequently asked questions
Clear answers before you purchase or submit documents.
Can I purchase only the U/W GPT Assistant?
Yes. Standalone access is $49 monthly or $397 for a one-time 12-month pass. You do not have to purchase the other instruments.
Can the AI make mistakes or hallucinate?
Yes. AI can invent, omit, misread, or misunderstand information. A precise, complete, redacted prompt may improve a response but does not guarantee accuracy. Verify every material response against the original findings and current applicable requirements.
Are the digital tools the same as a human-assisted review?
No. Digital instruments are self-service resources that you use and interpret. A human-assisted income or complete-file review examines documents you submit and returns observations and calculations in a PDF summary.
Does an income analysis guarantee loan approval or establish the final DTI?
No. It provides an independent calculation based on documents supplied and generally used industry methods. It does not establish the lender’s final qualifying income or DTI and cannot guarantee approval, condition clearance, or a change from suspended or denied to approved.
Can my lender or underwriter calculate different income?
Yes. Underwriters may apply current agency, investor, lender, program, or overlay requirements differently and may use additional information. The PDF can help you double-check a calculation or frame questions, but the lender or authorized underwriter makes the final determination.
When does the stated turnaround time begin?
The turnaround clock begins after all required, readable documents and instructions are received. More businesses, entities, accounts, rental properties, missing pages, or unusual complexity can increase the fee and turnaround.
What happens if documents are missing?
We send a notice explaining what is missing. You have 48 hours to provide it or submit a cancellation request for manual review. If you do not respond within that period, the order may be closed and becomes non-refundable except where required by law.
Can sensitive documents be sent through the chatbot, WhatsApp, or Instagram?
No. Never send Social Security numbers, account credentials, or loan documents through chat or social media. Paid customers receive access to the secure customer intake. Redact unnecessary sensitive information whenever possible.
Are downloaded tools refundable?
Downloaded digital tools are non-refundable because electronic access cannot be returned. Duplicate charges, delivery failures, or a purchase that has not been accessed should be reported promptly for review.
Contact Mortgage File IQ
Questions before you purchase? Reach a real person.
For purchase questions, delivery support, cancellation requests, or review questions, use the business phone, email, or WhatsApp. Do not send loan documents through ordinary email, phone messaging, WhatsApp, Instagram, or the chatbot; paid documents belong in the secure customer intake.