Income Verification
The Problem
Income is the number-one source of defects and repurchases. A miscalculated self-employed or rental figure funds a loan that never should have closed.
The Mortna Approach
Every income type is calculated to the guideline, with the method and citation shown. Our AI structures the analysis in minutes; a human reviewer verifies the result and signs off.
What’s Included
- W-2 & salaried: base, overtime, bonus, commission
- Self-employed: 1084 cash-flow, Schedule C/E/F, K-1, business liquidity
- Rental income: lease, Schedule E, and market-rent analysis
- Variable income: trending and declining-income tests
- Guideline citations on every calculation (Fannie/Freddie)
What You Receive
A qualifying-income worksheet per borrower: the figure used, the calculation method, the guideline citation, and any income the file cannot support.
Standard SLA
4 hours.
Calculate income right — the first time.
Send us a batch of files — free, no commitment. See the worksheets for yourself.
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