Mortgage Income Calculator Mortgage Qualifying Income Tool Income & History Details 0. Client & Employment Details Client Name Employer Name 1. Pay Stub Data Extraction (AI Tool) Upload Pay Stub (Image or PDF) Extract Data from Paystub Note: Extracted data will overwrite the Client, Employer, YTD, and Pay Period End Date fields below. 2. Loan & Base Structure Product Guideline Fannie Mae Freddie Mac FHA VA Base Structure Salary Hourly 100% Commission Base Rate Pay Frequency Annual Monthly Semi-Monthly Bi-Weekly Weekly Expected Weekly Hours 3. Dates & Pay Stub Period Hire Date Pay Period End Date 4. Current Year-to-Date Totals (From Pay Stub) YTD Base Income YTD Overtime YTD Bonus (incl. Tips) YTD Commission 5. Income History (W2 Totals) Previous Year W2 (Last Year's Total) (Decompose Manually) Prior Year W2 (Year Before Last) (Decompose Manually) 6. History Years & Bonus Type Overtime History (Years) Bonus History (Years) Commission History (Years) Bonus Frequency Recurring (Monthly/Quarterly) Annual (Received YTD) Annual (Not Received YTD) 7. Pay Raise Details Pay Raise Date (Effective) Amount of Raise ($/hr or Annual $) Generate Underwriting Report Reset All Fields Print/Save as PDF × Close Report View Manual W2 Decomposition Enter the exact YTD component values from the **final pay stub** of the specified year to precisely break down the W2 total. Base YTD Overtime YTD Bonus YTD Commission YTD Cancel Apply Decomposition
