Loan Officer Information
Loan Information
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Borrower / Co-Borrower Information
Employment and Other Income Worksheet. Income analysis may vary by investor — always follow investor guidelines. Variable income requires 2-year history per most agency guidelines.
SAM Cash Flow Analysis Worksheet. Enter figures directly from tax returns. For declining income, the most recent year is used per agency guidelines.
Fannie Mae / Freddie Mac: 75% vacancy factor for lease method; 85% for FHA. Net rental losses must be counted as monthly debt obligations in DTI.
Bank Statement Loan Calculator — For Non-QM / bank statement programs. Monthly Qualifying Income = (Qualifying Deposits ÷ Months) × (1 − Expense Ratio). Always follow your company’s bank statement program guidelines.
Borrower & Account Information
Settings
Monthly Deposit Entry
Blue = User Input · Qualifying = Total − Non-Qualifying
| Statement Month | Total Deposits ($) | Non-Qualifying ($) | Qualifying Deposits ($) |
|---|---|---|---|
| TOTALS | — | — | — |
Qualifying Income Summary
SAM Cash Flow — Schedule B (Interest & Dividends), Schedule E (Royalties), and Schedule F (Farm Income). Declining farm income uses most recent year only. Uncheck Use to exclude a period from the qualifying calculation while keeping it visible for reference.
Schedule B — Interest & Dividend Income
None added.
Schedule E — Royalty Income
None added.
Schedule F — Farm Income
None added.
SAM Business Liquidity Analysis — used for Partnerships, S-Corporations, and C-Corporations to verify the business has sufficient liquidity to support the income claimed. Current Ratio ≥ 1.0 and Coverage ≥ 24 months are standard pass thresholds per agency guidelines.
No liquidity analyses added. Click below to add one.
File Information
Loan Officer
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NMLS #—
Company
Home Loan Studio
Borrower(s)
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Prepared
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Tax Years:
General Notes for Underwriter
Total Qualifying Income Summary