Branch Resource Hub
Team Tools
Internal calculators and reference tools for UMortgage+ Branch loan officers.
Calculators
Pricing
Interest Rate Buydown
Break-Even Analysis
Break-Even Analysis
Compare up to four rate options side by side. Calculates P&I payments, points cost, monthly savings, and months to recoup for FHA, VA, USDA, and Conventional loans.
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Qualification
FHA Residual Income
Calculator
Calculator
Manual underwrite residual income calculator based on VA/HUD guidelines. Supports multi-borrower paystub tax entry, regional tables, and print-ready loan file worksheet.
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Team Development
Performance
Pipeline Conversion
Rate Tracker
Rate Tracker
Upload monthly stage exports to calculate and display team conversion rates — Credit → PA → Lock → Submitted → Funded. Sortable by any column with Top 5 producer benchmarks.
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Required
Personal & Professional Growth
Track My Habits
Mandatory team tool for goal setting, habit tracking, and personal and professional growth. Sign up at track-my-habits.com, select the Team Member plan, and enter promo code UMPLUSBETA at checkout.
Go to Track My Habits