Qualifai LOS
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Application Pipeline
| Borrower | Purpose | Amount | State | Submitted | Status |
|---|---|---|---|---|---|
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Income Qualification
W-2 / Salary Income
From most recent W-2 Box 1
From most recent pay stub
How many months does YTD cover?
Only if 24-month history documented
Only if 24-month history documented
Pension, SS, alimony — must be documented
Self-Employment Income (Sch C / K-1 / 1120S)
Schedule C line 31 or K-1 Box 1 — annual
Prior year Schedule C or K-1 — annual
Sch C line 13 / Form 4562
Prior year depreciation
Sch C line 12 depletion
Bank Statement Method (Fallback if Tax Returns Empty)
All deposits over statement period
Retired / Fixed Income
From SS Award Letter — non-taxable income grossed up 25%
From pension / annuity benefit letter
Must document 3-year continuance (under 59½)
Disability, annuity, rental, alimony — must be documented
👤 Co-Borrower Income
W-2 / Salary Income
From most recent W-2 Box 1
From most recent pay stub
How many months does YTD cover?
Only if 24-month history documented
Only if 24-month history documented
Pension, SS, alimony — must be documented
Self-Employment Income (Sch C / K-1 / 1120S)
Schedule C line 31 or K-1 Box 1 — annual
Prior year Schedule C or K-1 — annual
Sch C line 13 / Form 4562
Prior year depreciation
Sch C line 12 depletion
Bank Statement Method (Fallback if Tax Returns Empty)
All deposits over statement period
Retired / Fixed Income
From SS Award Letter — non-taxable grossed up 25%
From pension / annuity benefit letter
Must document 3-year continuance (under 59½)
Disability, annuity, rental, alimony — must be documented
Monthly Liabilities
Min payments: auto, student, credit cards
Child support, alimony paid, co-signed debts
Income Summary
Enter income above to see qualifying income summary
ATR / QM Compliance
Ability-to-Repay & Qualified Mortgage analysis per 12 CFR Part 1026 (Reg Z)
Total loan amount
Note rate on loan
Annual percentage rate
Average Prime Offer Rate (CFPB weekly table)
Incl. origination, discount, broker comp (excl. prepaids)
e.g. 360 = 30 yr, 180 = 15 yr
Enter loan parameters above to run ATR/QM analysis
Loan & Property
Enter the purchase price
Borrower Profile
Income Qualification
W-2 / Salary
Most recent W-2 Box 1
From most recent pay stub
How many months does YTD cover?
Only if 24-month history documented
Only if 24-month history documented
Pension, SS, alimony (documented)
Self-Employment (Sch C / K-1 / 1120S)
Sch C line 31 or K-1 Box 1
Prior year Sch C or K-1
Sch C line 13 / Form 4562
Prior year depreciation
Sch C line 12
Bank Statement Income
Sum of deposits over statement period
Monthly Liabilities
Min payments: auto, student, credit cards
Child support, alimony, co-signed debts
Monthly Costs
Deal Structure & Risk
Analysis Results
Enter deal details above to begin analysis
Rate Lock
Run the Deal Analyzer to generate a term sheet, then it will appear here.
Loan Conditions
Standard Condition Library — click to add