For Mortgage Lenders & Underwriters
Verify Self-Employed Income in Minutes
TrueCalc automates the most time-consuming part of the mortgage underwriting process — self-employed borrower income analysis. Accurate, auditable, and aligned with agency guidelines.
80%
90%
100%
~5 Min
Faster per SE File
Reduction in rework
Agency guideline aligned
Calculating income
The Challenge
Self-Employed Borrowers Are Your Costliest Files
Self-employed income analysis is uniquely complex. Underwriters must reconcile tax returns, K-1s, business financials, and depreciation schedules — often spending hours per file, with no margin for error.
The manual process is slow, error-prone, and hard to audit. One miscalculation can mean a buyback, a compliance finding, or a lost borrower relationship.
- ⏱Underwriters spend 2–4 hours per SE file on income calculation alone, pulling them away from higher-value work
- ⚠️10–15% of SE files require rework due to miscalculation or guideline misinterpretation, adding cost and delay
- 📋Inconsistent methodology across underwriters creates audit risk and compliance exposure
The Manual Reality
How TrueCalc Works
From Tax Documents to Qualifying Income in Four Steps
TrueCalc guides your team through a structured, guideline-enforced workflow — eliminating guesswork and delivering a defensible income figure every time.
Upload Documents
Upload tax returns, K-1s, and business financials. TrueCalc extracts the relevant data fields automatically.
Check for Rep and Warrant
TrueCalc offers a direct connection to Fannie Mae or Freddie Mac for R&W assessment.
Review Calculations
TrueCalc produces a line-by-line income worksheet with guideline citations. Underwriters review and confirm, not calculate from scratch.
Export & Audit
One-click export to your LOS with a full audit trail — every input, assumption, and guideline reference documented for review.
ROI Calculator
See What TrueCalc Is Worth to Your Team
Adjust the sliders to match your team’s volume and cost structure. The calculator estimates your annual time savings, labor savings, and rework reduction based on real TrueCalc performance benchmarks.
Ready to test?
Why TrueCalc
Built for Underwriters. Designed for Scale.
TrueCalc doesn’t replace your underwriters — it removes the work they shouldn’t be doing so they can focus on judgment calls that require expertise.
Dramatically Faster Cycle Times
Reduce per-file income calculation from hours to minutes. TrueCalc handles the mechanical work — lookups, add-backs, depreciation, trend analysis — in seconds.
↑ 80% faster per SE fileConsistent, Defensible Results
Every calculation follows the same methodology, every time. Eliminate variance between underwriters and ensure every file passes QC on the first review.
↓ 90% reduction in reworkAgency Guideline Precision
TrueCalc is built on Fannie Mae and Freddie Mac income calculation guidelines. Every field is mapped to the correct form, line, and chapter.
Fannie Mae & Freddie Mac alignedComplete Audit Trail
Every input, add-back, and adjustment is documented with its source field and guideline citation. Produce a QC-ready worksheet in one click.
Full line-item documentationLOS Integration
TrueCalc connects to your existing loan origination system. No duplicate data entry — outputs flow directly to the borrower file with no copy-paste required.
Integrates with major LOS platformsScale Your SE Volume
When SE income calculation is no longer your bottleneck, you can take on more of this high-value business. TrueCalc turns a constraint into a competitive advantage.
Grow SE originations confidentlyProduct Capabilities
Everything Your Underwriting Team Needs — Nothing They Don't
TrueCalc was designed in close collaboration with underwriters, compliance officers, and operations leads at regional and national lenders. It handles the full spectrum of self-employed borrower types your team encounters every day.
We didn’t build a generic calculator — we built the tool your underwriters would have designed if they had six months and an engineering team.
All Business Structures
Sole proprietors, S-corps, C-corps, and partnerships — each with the correct add-back methodology and business income analysis.
Multi-Year Analysis
Side-by-side 1040, 1120S, 1065, and 1120 analysis across two tax years, with trend calculation and year-over-year variance flagging.
Add-Back Intelligence
Automatic identification of qualifying add-backs: depreciation, depletion, amortization, mileage, and non-recurring expenses — with guideline citations.
QC-Ready Output
Export a formatted income analysis worksheet ready for QC review, investor delivery, or post-close audit. Every figure sourced and cited.
Guideline Change Alerts
TrueCalc tracks Fannie Mae and Freddie Mac selling guide updates and flags when a methodology change may affect your open pipeline.
What Lenders Are Saying
Trusted by Underwriting Teams Across the Country
From community banks to regional lenders, TrueCalc has become the standard for self-employed income analysis.
"Before TrueCalc, our SE files were our biggest source of pipeline delays and post-close corrections. Now they move through underwriting faster than most W-2 files. The audit trail alone has saved us multiple QC findings."
"We were skeptical that any software could handle the complexity of our borrower mix — a lot of K-1 income, multi-entity structures, unusual add-backs. TrueCalc handled every scenario, and our underwriters actually trust it."
Your story here
Compliance & Security
Built on Agency Guidelines. Secured for Enterprise.
TrueCalc is designed to meet the compliance standards your investors and regulators require — and the security standards your IT team demands.
Get Started
See TrueCalc With Your Own Files
Request a personalized demo and we’ll walk through TrueCalc using borrower scenarios from your current pipeline. See the time savings — and the audit trail — firsthand.
