--- title: "IncomeXpert Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about IncomeXpert Software - reviews, pricing plans, popular comparisons to other Loan Origination products and more." source_url: "https://www.capterra.com/p/182252/UberWriter/" page_type: "product" language: "en" --- # IncomeXpert Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 26, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) IncomeXpert ## What is IncomeXpert? Blueprint, formerly UberWriter, is an income analysis suite powered by automation. Upload tax forms directly to our site and Blueprint determines the borrower's income to give you consistent guideline compliant income every time. Our clients save time and lower their error rate by relying on Blueprint. All income types in the FNMA, FHLMC, FHA, VA, and USDA guidelines are supported. ## What is IncomeXpert used for? [Mortgage](https://www.capterra.com/mortgage-and-loans-software/)[Loan Origination](https://www.capterra.com/loan-origination-software/) Top alternative Featured Overall rating Based on 60 user reviews Reviews sentiment Positive 98% Neutral 0% Negative 2% Starting price $3 Per User, Per Month Free trial available Includes Free Version Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for IncomeXpert?[Manage this product listing](https://www.g2.com/products/incomexpert/claim_requests/new?auto=true) ## IncomeXpert Overview Updated August 2026 AI summary IncomeXpert is a cloud-based solution for organizations of all sizes seeking support with loan origination and mortgage workflows. It guides lending teams through complex income calculations, compares trends, and flags guideline risks to help reduce manual errors and support compliance. Key features include loan processing, compliance management, and audit trail capabilities for consistent and auditable mortgage operations. ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### IncomeXpert 4.6 (60) VS. [4.8 (288)](https://www.capterra.com/p/9277/The-Mortgage-Office/reviews/) Starting Price $3 per user, per month Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.6 (60) Ease Of Use 4.7 (116) Value For Money 4.7 (36) Value For Money 4.7 (106) Customer Service 4.7 (52) Customer Service 4.8 (115) ## IncomeXpert alternatives [4.9 (39)](https://www.capterra.com/p/254642/HES-LoanBox/reviews/) Starting price $75000.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 100% of reviewers rated it above 4 stars Highest Rated [5.0 (14)](https://www.capterra.com/p/135272/LOAN-SERVICING-SOFT/reviews/) Starting price $500.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 100% of reviewers rated it above 4 stars [Mortgage Automator](https://www.capterra.com/p/191761/Mortgage-Automator/) [4.9 (116)](https://www.capterra.com/p/191761/Mortgage-Automator/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 100% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/191761/Mortgage-Automator/) [BNTouch Mortgage CRM](https://www.capterra.com/p/37032/BNTouch/) [4.5 (98)](https://www.capterra.com/p/37032/BNTouch/reviews/) Starting price $165.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 88% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/37032/BNTouch/) [View all alternatives](https://www.capterra.com/p/182252/UberWriter/alternatives/) ## FAQs about IncomeXpert Overview ### What problems does IncomeXpert solve? IncomeXpert solves error-prone, inconsistent mortgage income calculations by guiding users through complex borrower scenarios, comparing income trends, recommending qualifying income, and flagging guideline risks or unusual entries. Loan processors, underwriters, pre-funding reviewers, and lending teams benefit most by reducing disputes, rework, and manual worksheet handoffs across W-2, self-employed, rental, and variable income cases. Answer based on 47 reviews Overview ### Which roles and teams benefit most from IncomeXpert? IncomeXpert is most used by underwriters, mortgage loan officers, loan processors, and quality control teams handling borrower income verification and loan decisions. Credit risk and operations leaders use it to standardize calculations, speed underwriting workflows, reduce manual review errors, and support audit-ready documentation across mortgage lending processes. Answer based on 60 reviews Overview ### What company size and specific industries is IncomeXpert built for? IncomeXpert is designed for mortgage operations teams, especially processors and underwriters, as well as QC and audit teams at large banks and agencies. Its target users are organizations in financial services and lending that need support for income analysis and review across mortgage workflows. Features and Usability ### What are the key features of IncomeXpert? IncomeXpert includes core mortgage lending features such as loan origination, loan processing, pre-qualification, compliance management, and audit trail support. Its most-discussed differentiators are income calculation tools for multiple employment types, agency guideline warnings, recommended qualifying income, detailed reports, and shared worksheets that support underwriters, processors, and quality control teams. Answer based on 47 reviews Getting Started and Support ### What training and onboarding options does IncomeXpert offer? IncomeXpert provides webinars and documentation to help teams get started. Webinars offer live or scheduled instruction for guided setup and feature overviews, while documentation gives written reference material for self-paced learning and step-by-step support when needed. Answer based on 5 reviews Getting Started and Support ### What customer support options does IncomeXpert offer, and how do users rate the experience? IncomeXpert offers chat support. Users often describe support as timely, responsive, personal, and informative, with issues resolved quickly and feedback reflected in product changes. Some users also report difficulty reaching support or being directed to self-help materials instead of receiving direct assistance. Answer based on 12 reviews Features and Usability ### Is IncomeXpert easy to navigate and understand? IncomeXpert makes income analysis easier to follow with guided workflows, on-screen warnings, and clear guideline references. Underwriters, processors, and newer mortgage staff often find the interface self-explanatory and quick to learn, though some users still want better navigation, more help buttons, and clearer handling for certain rental income scenarios. Answer based on 20 reviews Features and Usability ### How easy is IncomeXpert to use day to day? IncomeXpert feels straightforward for daily mortgage work, with an interface many teams learn quickly after limited practice. Underwriters, processors, and loan officers often find data entry and updates simple, but some users mention extra clicks, short login sessions, occasional library access errors, and harder sections such as REO or debt entry. Answer based on 17 reviews Loan income ### How well does IncomeXpert handle loan income calculations? IncomeXpert handles loan income calculations well by applying product-specific rules, creating readable reports, and promoting consistent underwriting decisions. Lenders, quality control teams, and post-closing reviewers value the detailed breakdowns and compliance support, though some users note weaker fit for certain rental or self-employed cases and occasional search or report formatting issues. Answer based on 17 reviews ## Features AI summary Based on 460 Loan Origination reviews Not all Loan Origination products cover every must-have feature. Here is what Capterra reviewers flag as essential when choosing a solution: - **Borrower Management** (**68%** of reviewers rated this feature as critical) - **Workflow Management** (**55%**) - **Loan Processing** (**61%**) IncomeXpert includes **Loan Processing**, which is a key priority for many buyers evaluating Loan Origination software. However, it does not include **Borrower Management** or **Workflow Management**. By covering **Loan Processing**, the product helps businesses handle loan applications more efficiently, maintain progress across processing stages, and support more consistent lending operations. API Application programming interface that allows for integration with other systems/databases Audit Trail A record of all activities within the system, including user access, changes made, etc. Compliance Management Track and manage adherence to policies for any service, product, process, or supplier Loan Origination Process of securing a loan from a bank or any other lender. Loan Processing Collect, organize, and prepare loan information to send to the lender for approval Multi-Branch Expand services to areas outside of the home location, functioning as an extension of the home location. IncomeXpert 8 features ### All Features - API: Application programming interface that allows for integration with other systems/databases - Audit Trail: A record of all activities within the system, including user access, changes made, etc. - Compliance Management: Track and manage adherence to policies for any service, product, process, or supplier - Loan Origination: Process of securing a loan from a bank or any other lender. - Loan Processing: Collect, organize, and prepare loan information to send to the lender for approval - Multi-Branch: Expand services to areas outside of the home location, functioning as an extension of the home location. - Pre-Qualification: The initial step in the mortgage workflow - Risk Management: Process of identifying, evaluating, mitigating, addressing and reporting on potential risks or uncertainties --- Features 4.6 (60) 4.6 Based on 60 reviews ## Pricing Value for money 4.7 (36) Free Trial Free Version Basic $3.00 Value for money 4.7 (36) 4.7 Based on 36 reviews ## Support, customer service and training options Customer Service 4.7 (52) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.7 (52) 4.7 Based on 52 reviews ## User reviews Overall rating 4.6 Based on 60 reviews Filter by rating 5(41) 4(18) 3(0) 2(0) 1(1) Mentioned topic Sorted by most recent AS Alexandre S. Marketing Market Research ### "excellent editing application" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 December 21, 2020 in quality is an excellent product that helps and greatly facilitates the lives of its users Pros in the ease in which we have to work besides being a profitable platform Cons slowness in the system which impairs in more demanding tasks Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AN Anonymous User Digital Executive Information Technology and Services ### "My UberWriter experience" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 August 8, 2019 Overall, I had a satisfactory experience using the product, if the above cons could be fixed, it would be perfect I guess. Pros \- Formating used for reports are very intuitive to go read and go over even for relatively inexperienced officers - The solvency calculator feature is a great plus - Automated warnings and pop-ups are really helpful in case of errors and for first-time users Cons \- Doesn't seem to be optimised for self-employed entrepreneurs - Calculations for rental properties are a bit off in some scenarios - Search indexing for loans can be confusing. It doesn't seem to work with the loan identity number Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. KC Kelsey C. Underwriter Financial Services ### "Great at helping calculate income" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 August 5, 2019 Pros I like that it breaks down monthly income for the last 2+ years so you can see the trend in income. I like that different types of earnings are separated. Very easy to use once you get the hang of it Cons I wish the website could calculate income if you enter it as a formula (similar to Excel where you can add a bunch of numbers together and once you press enter, the Sum is populated). When using paystubs to calculate earnings and the borrower has a bunch of "regular earnings", you have to open up your calculator and add all the earnings together and then type that number into Uberwriter. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. David R. Loan processor Financial Services ### "Best Software Program For Income Analysis" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 May 17, 2019 my overall experience is smooth and could not have asked for any other software program to be used in the mortgage industry Pros the Pros to this software are almost unlimited, you can do over 30+ income types, with income warnings depending on which agency you are using. the ease of the system and easy to understand the income is what every lender needs to be able to accurately calculate income Cons there is no cons to this program, because i cant think of any Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AN Anonymous User Mortgage Loan Officer Real Estate ### "Best Tool in the Mortgage Business" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 April 24, 2019 100% satisfied and will be looking to purchasing a subscription at my new company. Pros I can't stop raving about Uberwriter. Way better than LoanBeam, way better than any FNMA/FHLMC excel tool. When I left my previous company the only thing I missed was Uberwriter. It's easy to use and most importantly if you look at what it does, you can learn how it calculates income so you can speak to it better. It handles everything on the taxes from Corp Income to Real Estate- anything on your Schedule E. And my favorite it calculates liquidity on balance sheets. Cons It was all great! May take a few tries to get it figured out but it's intuitive and easy to use after that. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AN Anonymous User Application Developer Financial Services ### "Very good software for editing" 4.0 Overall Rating 4.0 4.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 March 15, 2019 Pros The layout is good and the text is easy to read and it is very beneficial in underwriting files. Cons Net income calculator is not there and it would also need a calculator for accurate percentage. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. KS Kimberly S. Underwriter Financial Services ### "Great for new and seasoned underwriters" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 18, 2019 Pros The team at Uberwriter are extremely responsive and great to work with. They keep up with the guideline changes made by all of the agencies and update the income calculator quickly. Because things can change a good bit, having the changes in red with the guide reference is extremely helpful. There is no kind of income that can not be consistently calculated with Uberwriter, regardless of the users experience level. Cons The only changes I would like to see made in Uberwriter are a net income calculator by state for VA loans, a calculator built in for more accurate percentage of non-taxable earnings when grossing up this type of income, and possibly an option for 80/20 meals & entertainment for over the road truck drivers. Overall, there is nothing I don't like about using Uberwriter. Keep up the great work! Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. DD Deborah D. QC Auditor Financial Services ### "Great Tool!" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 17, 2019 UberWriter saves so much time and the tabs are very well organized. Pros Keeps up to date with industry changes and makes recommendations. Cons We could use a separate field in the debt section for notes that don't necessarily fit with one debt in particular. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JT joseph T. wholesale underwriter Financial Services ### "User friendly tool useful to all mortgage companies" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 January 17, 2019 I am content with the use of uberwriter compared to old income calc options Pros The fact that everything is all in one place. I am not flipping programs to do REO income calcs. Cons Sometimes it is a little glitch and the buttons don't always work on the first click. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. TN Tamara N. Sr. Govt. Underwriter Banking ### "Uberwriter" 4.0 Overall Rating 4.0 4.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 4.0 4.0 Likelihood to Recommend 5/10 January 17, 2019 Pros The comments section. I use it a lot to explain what I did and what I had to work around in the system Cons The W-2 earnings calculations are great for someone who has been at their job for 3 or more years. But for someone who just started, or started within the last 3 years, it doesn't work unless you do NOT put a start date/hire date in the designated box. Often, based on the income type, an average over 2 or more years is needed, regardless of whether the borrower has been with the current employer all that time. OR, the UW wants to see earnings history average for prior years to support current earnings level (i.e. comparison of earnings year to year). Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/182252/UberWriter/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Popular comparisons [Mortgage Automator vs IncomeXpert](https://www.capterra.com/compare/182252-191761/UberWriter-vs-Mortgage-Automator) [BNTouch Mortgage CRM vs IncomeXpert](https://www.capterra.com/compare/37032-182252/BNTouch-vs-UberWriter)