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.
View the instrumentMortgage 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
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 pricesWhat affects 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 PDF 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.
Need an income workup?
Start with the document type. The checkout price is the total for the unit shown—per borrower, entity, property, or statement set.
View income-analysis pricing