Team Tools

Pricing exception analysis, concession availability, and ARIVE pricing outputs. Pulls live LO comp plans. Branch manager access only.

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.

Manual underwrite residual income calculator based on VA/HUD guidelines. Supports multi-borrower paystub tax entry, regional tables, and print-ready loan file worksheet.

Step-by-step borrower prequalification tool. Walks through credit score, derogatory history, assets, income type, and DTI to identify eligible programs — conventional, FHA, VA, USDA, jumbo, and Non-QM.

Non-delegated vs. brokered channel and self-generated vs. branch referral compensation structure. Covers VA loan rules, comp caps, Reg Z guardrails, and pricing exceptions.

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.

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.