Qualification Center

Pre-Approval Calculator

Estimate loan amount, payment, MI, subordinate lien impact, LTV, and DTI.

Purchase Price Down Payment Interest Rate % Annual Property Taxes Annual Homeowners Insurance Monthly HOA Monthly Mortgage Insurance / PMI / MIP Monthly Subordinate Lien / HELOC Payment Other Monthly Debts Gross Monthly Income

W-2 / Salary / Hourly Income Calculator

Calculate base income, YTD average income, and compare qualifying income support.

Borrower Name Employer Pay Type

Year-To-Date Income Review

YTD Start Date YTD End Date / Paystub Date YTD Gross Income

1099/ OT / Bonus / Commission Income Calculator

Use for overtime, bonus, commission, 1099, or other variable income.

Borrower Name Income Type

YTD Income

YTD Start Date YTD End Date / Paystub Date YTD Gross Variable Income

Prior Year Income

Prior Year Variable Income

Two-Year Prior Income

Two-Year Prior Variable Income

Bank Statement Income Calculator

Calculate qualifying income from 12 or 24 months of personal or business bank statements.

Borrower Name Business Name Ownership Percentage % Program Type Bank Statement Type

Deposit Analysis

Total Deposits Less Transfers Less NSF / Returned Deposits Less One-Time Deposits Less Non-Qualifying Deposits (Unverified Cash, Asset Sales, Loans)

Business Expense Factor

CPA Expense Letter Available? Expense Factor %

Schedule C Income Calculator

Calculate self-employed Schedule C income using net profit, add-backs, reductions, 2-year trend, and YTD support.

Borrower Name Business Name Ownership Percentage %

Prior Year / Older Tax Year

Tax Year Net Profit / Loss Depreciation Add-Back Depletion Add-Back Business Use of Home Add-Back Amortization / Casualty Loss Add-Back One-Time Expense Add-Back Other Add-Backs Non-Recurring Income Deduction Other Required Reductions

Most Recent Tax Year

YTD Profit & Loss Review

YTD Start Date YTD End Date Current YTD P&L Net Income

Rental Income Calculator

Calculate rental income/loss, DSCR ratio, and scenario-specific review notes.

Borrower Name Rental Scenario Monthly Gross Rent / Market Rent Monthly Vacancy Factor % Monthly Principal & Interest Monthly Taxes Monthly Insurance Monthly HOA Monthly Mortgage Insurance, If Any

Total Monthly Income Summary

Stack all qualifying monthly income sources into one total.

Borrower Name Base W-2 Monthly Income Overtime Monthly Income Bonus Monthly Income Commission Monthly Income 1099 / Contractor Monthly Income Other Monthly Income

Loan Program Eligibility Engine

Scenario-based program guidance for MLO review.

Credit Score Occupancy Back-End DTI % Veteran? Residual Income Strong? Self-Employed? 12 Month Bank Statements Available? 2 Years P&L Available? USDA Eligible Area? First Time Home Buyer? Property Type

Pre-Approval Generator

Create a Fiduciary Mortgage Loans pre-approval letter using the approved company template.

Generate Pre-Approval Letter

Complete the information below. Alex Gould will remain listed as CEO / Branch Manager, while the MLO information and loan details can be customized.