ARM Tool

Including Scenarios

Use this tool to work through common ARM Scenarios and better understand the various adjustable-rate mortgage components.

Buydown Tool

Including Scenarios

Use this tool to run 3/2/1 and 2/1 buydown scenarios and better understand the various components of the buydown and potential cost savings.

Essent Cash Flow Analysis – SAM Method

Evaluate qualifying income using the traditional approach, and check out our new tab for analyzing the YTD P&L and Bank Statements.

Recent Hourly Pay Rate Increase Calculator

Use this calculator to help you calculate more income for a Borrower who is paid hourly and has recently received a pay increase. This follows FHLMC’s 8 step process.

Rental Property – Investment

Schedule E

Determine the average monthly income/loss for a non-owner occupied investment property.

Rental Property – Primary

Schedule E

Determine the average monthly income/loss for a 2-4 unit owner-occupied property.

RSU Calculator

Use our convenient tool to help you calculate income for performance and time-based RSUs.

Salaried/Variable Income Calculator

Use this calculator to accurately calculate qualifying income for your borrower. This is a great resource tool to analyze trends, and total all sources of salaried, variable or non-taxable income.

Sole Proprietor

Schedule C

Calculate the monthly qualifying income for a borrower who is a sole proprietor.