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Guidelines · Program questions · Scenario analysis
Hello! I'm Mortgage Mind. Ask me anything about FHA, VA, USDA, Conventional, or EEP guidelines. How can I help you today?
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IncomeCalculator
Paste snips directly from your screen — no file saving needed
Paste Bank Statement Images (paste each month one at a time, or use the misc zone below)
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Click here, then Ctrl+VPaste bank statement images one at a time
Paste or Drop Documents Here (YTD paystub · year-end paystubs · W-2s · VOE — load all at once or one at a time)
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Click here, then Ctrl+VPaste any paystub, W-2, or VOE image — Mortgage Mind will identify each document
Most Recent Year
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Click here, then Ctrl+VMost recent year
Prior Year
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Click here, then Ctrl+VPrior year
Current YTD Paystub
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Click here, then Ctrl+V
Miscellaneous / Additional Income Documentation (optional)
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Additional income documentationAward letters · Social Security · Pension · Other
LO Notes / Context (optional)
Calculation Method
From Tax Return — Schedule 1 Line 6 (Social Security Benefits)
SS / SSI Gross-Up Result
Income Analysis Result
⚠️ Disclaimer: This tool was developed by and is intended for the sole use of the Jason Young team. Output is a reference only and may not reflect the exact final income determination made by underwriting. Results are based solely on the documents and information provided. For the most accurate calculation, provide the current YTD paystub along with year-end paystubs from the two most recent prior years — calculations based on fewer documents are best-effort estimates and should be reviewed accordingly. All qualifying income determinations are subject to lender, investor, and agency guidelines and final underwriting review.
EEPCost Estimator
Upfront cost estimate for EEP / Earned Equity Program participants
Auto-Fill from the 1400 Section of the 2015 Itemization — Optional
Paste snips of the 1400 Total Estimated Settlement Charges section from the 2015 itemization — Mortgage Mind extracts and fills all fields automatically (paste each page one at a time)
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Click here, then Ctrl+V to paste snip1400 Section · 2015 Itemization · paste each page separately
Sales Price & Payment
Base Loan (96.5%): · UFMIP (1.75%): · Total Loan w/ UFMIP:
TRHEEA CD — From 2015 Itemization / Closing Disclosure
TRHEEA CD — Underlying Portion
Down Payment MRI (3.5% of sales price)
+ Total Estimated Settlement Charges (1400)
− Seller Concessions
− UFMIP (calculated: base loan × 1.75%)
− Earnest Money
TRHEEA CD Total
Lease Option Fees
Admin Fee$1,250.00
Refundable Lease Deposit$100.00
Program Maintenance Fee (0.5% of total loan)
1st Lease Payment (PITI + Maint ÷ 12)
HOA / Utility Setup Fees$150.00
Lease Option Fees Total
Total Upfront Cost to Participant
⚠️ Disclaimer: This estimate is for internal planning purposes only and is for the sole use of the Jason Young team. Actual figures will vary based on the final Closing Disclosure. TRHEEA (Tule River Heritage Earned Equity Alliance of America) is the buyer of record — client is the lessee. All figures subject to final lender, TRHEEA, and program approval.
VA EntitlementCalculator
Paste COE snip · Select state & county · Enter purchase price
Certificate of Eligibility
Paste COE Image — Used entitlement extracted automatically
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Click here, then Ctrl+V to paste COEMortgage Mind reads used entitlement from the document