# IncomeXpert Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is IncomeXpert the right Loan Origination solution for you? Explore 60 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/182252/UberWriter/reviews --- IncomeXpert 4.6 (60) [View alternatives](https://www.capterra.com/p/182252/UberWriter/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated November 12th, 2025 # Reviews of IncomeXpert Ease of use 4.5 Customer Service 4.7 ## Pros and Cons in Reviews AS Alexandre S MarketingMarket Research, Self-employedUsed the software for: Less than 6 months. “in quality is an excellent product that helps and greatly facilitates the lives of its users“ December 21, 2020 ## Showing most helpful reviews Showing 1-25 of 60 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Ankit K. Sr loan processor Financial Services Used the software for: 1-2 years ### "UberWriter -The Best!" January 16, 2019 5.0 Excellent tool Pros One of the best tool available in the mortgage industry. Instead of using worksheets, I prefer UberWriter as it provides a detailed description of item along with warnings for income which do not meet the guideline. Such warning are helpful in avoiding errors. Cons As such there are no cons; however, would like the UberWriter to improve the navigation and provide analysis on certain line items which usually other worksheets do not use. Review Source VR Verified Reviewer Mortgage Loan Officer Real Estate Used the software for: 2+ years ### "Best Tool in the Mortgage Business" April 24, 2019 5.0 100% 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 TN Thomas N. Sr. Loan Officer Banking Used the software for: Less than 6 months ### "uberwriter" January 8, 2019 1.0 worthless, don't know how to use it, tried to ask was told 'go watch a video'- not how you win customers Pros nothing, don't know how to use it and the training is nonexistent Cons lack of help to learn how to use it, the approach of telling me to go watch a video to learn is worthless Review Source VR Verified Reviewer Senior Underwriter Financial Services Used the software for: 2+ years ### "Best Income Calculation software for UW" January 16, 2019 5.0 It provides us best Income calculation experience. This is very accurate software to calculate Income. Pros 1\. It is the best software so far I have used for Income calculation. 2. It provides all logics with the explanation, How Income should be calculated. 3. It explains all FNMA guideline related to Income with proper logic. 4. One can understand Income guideline better in Uberwriter then FNMA guidebook Cons As of now I see nothing which I like least in Uberwriter Review Source BB Barb B. Underwriter Financial Services Used the software for: 1-2 years ### "Uberwriter Review" January 11, 2019 4.0 Overall the experience with Uberwriter has been very beneficial and has been a great tool in underwriting files. Pros The income report is easy to read for both me and loan officers or processors that may need to read them. The layout of the input is great and follows most paystubs and tax returns for self employed borrowers. Cons a bit cumbersome to start, but now that the learning curve is over it is good. There are only 3 true cons that I can think of, when you are inputting SSI, pension that type of income, Uberwriter defaults to grossing up which isn't used in all cases. For properties on the REO, if you have to delete an entry, it doesn't actually delete the entry you chose, but the one immediately below it and leaves the one you meant to delete. When you are inputting information that may have a tip that pops up in Uberwriter, it comes up every time you put data into that field. For example, other expenses under REOs when they have HOA dues. Not too much of an issue when there is only 1 or 2 other REOS, but when you have many more like 32 (yes that really happened) that is 64 times you have to click ok to acknowledge the message that pops up. Review Source TB Tammy B. Government Underwriter III Banking Used the software for: 1-2 years ### "Excellent Underwriting Tool" January 14, 2019 4.0 I am in underwriting and I have noticed a marked improvement in the accuracy of the income figures calculated by the front-end staff. They are being warned when their income trends are of concern, are given recommended income to use for qualifying, and are told when they are entering figures in a field that is not typically used. Pros I like the option to pick my loan product, the ability to annualize variable income types, the comparitive analysis and solvency calculator. I appreciate the pop-up warning boxes when entering things in the "less common" fields - it is a great reminder to all of our processing staff to double check what they are adding. Cons I dislike the fact that when using certain income options for 1065 or 1120S companies, the corporate income (depreciation, amortization, etc) do not calculate into the total and we have to do that manually. I also think it is odd that the software has rounding issues - sometimes the income is off by 1 cent, so we have to select "user override" and type the amount in that field in order for the total to be accurate. Review Source KS Kimberly S. Underwriter Financial Services Used the software for: 2+ years ### "Great for new and seasoned underwriters" January 18, 2019 5.0 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 VR Verified Reviewer Digital Executive Information Technology and Services Used the software for: 1-2 years ### "My UberWriter experience" August 8, 2019 4.0 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 David R. Loan processor Financial Services Used the software for: 2+ years ### "Best Software Program For Income Analysis" May 17, 2019 5.0 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 Jennifer C. Sr. Loan Consultant, NMLS 1104962 Financial Services Used the software for: 6-12 months ### "Extremely Helpful" January 15, 2019 5.0 UberWriter is my go to for up-to-date changes within the industry. Not only have I found all of the information to be accurate, I've found detailed reasoning behind anything posted. UberWriter is also the only mortgage income specific calculator that delivers spot on results. Pros The ease of using the software is incredible. Very user friendly without being confusing or throwing too much at you at once. The tutorials are key in the beginning, shows you step by step how to properly input all needed information. Cons Nothing. Very straightforward- if I had issues, I was able to email and get a prompt response. Review Source AL April L. Mortgage Underwriting Manager Real Estate Used the software for: 2+ years ### "Feedback " January 16, 2019 5.0 Pros Pros: Ease of use, and warning messages to catch your eye in unusual income situations Cons Cons: Sometimes the rental income for rental properties is not accurate Review Source JM Jennifer M. Mortgage Underwriting Team Lead Real Estate Used the software for: 6-12 months ### "UberWriter Review" January 17, 2019 5.0 LOVE. Training previously was excellent. keep up the GREAT work! Pros ease of use. I LOVE that your calcs are saved and anyone can access them at anytime in the event someone is covering your pipeline. Cons I wish you can add a type of income on the income screen vs going back to where you enter the borrowers information. I have had borrowers that have several 1120S and have to go back and fourth between screens. Review Source KL Kim L. Underwriter Trainer Real Estate Used the software for: 6-12 months ### "Great worksheets!" January 16, 2019 5.0 Pros I love how multiple income types are available for underwriters to use to calculate their borrowers' income. I also love the Help and Library tabs which offer additional training videos for the user. Cons So far it's been great in the time I've used the software. Perhaps additional "info" buttons throughout the worksheets may be helpful to show agency guidelines or tips. Review Source KR Kim R. Underwriter Banking Used the software for: 1-2 years ### "Ease of calculating income" January 9, 2019 5.0 I am able to calculate the income with ease and add with comments the reason I have not used the income the system has calculated. Pros It's pretty straight forward and easy to use. Cons The REO section can be difficult to complete. Review Source GS Ginger S. Loan Processor Banking Used the software for: 6-12 months ### "Uberwriter" January 9, 2019 5.0 I've been processing for many, many years and have always liked to do a lot of things manually but the ease of Uberwriter on both W2'd borrowers as well as self-employed, has won me over. Pros The ease and friendliness of the software. Cons Nothing that I don't like; sometimes it seems a little slow to move from screen to screen. Review Source JN Joshua N. Conventional Underwriter Financial Services Used the software for: 6-12 months ### "Helpful Tool" January 8, 2019 4.0 Helps to easily calculate income used for loan qualifications. Makes it in a easy format to read. Helps with better understanding of all income types. Pros easy to use and layout of information. Helps walk you through inputting income numbers Cons when inputting debt. Do not like using this feature. Review Source cS cheryl S. Credit Risk Banking Used the software for: 2+ years ### "Income Review " January 8, 2019 5.0 I use it to calculate complicated income and I really appreciate that the customer support is always quick and accurate. Pros This program helps me do my job. It is easy to use and keeps up on the current guidelines. Cons I really have no cons. It is easy to use and any situations get fixed right away Review Source JA Jeff A. Mortgage Banker Financial Services Used the software for: 1-2 years ### "Great Product" January 8, 2019 5.0 It helps in sovling the problem of qualifying a client upfront and finding out the underwriter has calculated the income differently. Gives me confidence in my upfront qualifications of the cleints. Pros Love that this software allows the underwriter and loan officer to be on the same page so there is no surprises. Cons I have had a hard time getting in contact with support. Review Source MF Melissa F. Regional Underwriting Manager Financial Services Used the software for: 1-2 years ### "Great app!" January 14, 2019 5.0 Ease of calculating income for underwriters at mortgage company. Pros The ease of calculating income is awesome, and really helps in your loan calculations. Cons Sometimes it is difficult to navigate - but no real issues. Review Source DD Deborah D. QC Auditor Financial Services Used the software for: Less than 6 months ### "Great Tool!" January 17, 2019 4.0 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 TB Tom B. Director, Post-Closing Quality Assurance Banking Used the software for: 2+ years ### "January 2019 " January 14, 2019 5.0 Great evidence we thoroughly reviewed the income and debt portion of the loan file. So far every outside auditors have been impressed with our files. Pros Easy to use. Follows agency guidelines. System and income warnings appear to be updated regularly. Tutorials available to staff. Income trending - Makes it easy to compare to agency guidelines. Might consider including the income trending graph on/in the output. Cons Because we are post-closing, all our review documents are converted to a PDF and saved to a individual borrowers file. Sometimes the printed material on the report will be split between two pages. Also, at times there is a lot of pages printed with no information on them. Example - File number 457480/loan number 0922193901 Review Source SS Samad S. Senior Associate Financial Services Used the software for: 2+ years ### "Income calculations" January 8, 2019 4.0 It is very useful to train the new underwriters and in case of any update or complicated situations provided video works great in solving the doubts. Pros It is very easy to calculate the income on uberwriter and the beautiful thing is you will get a detailed report generated which you and further reviewer of the loan can check. Cons It gets like a processing work mostly in rental income calculation.Underwriter always love the reverse calculation in rental income starting from the net rental income and then adding back the insurance,taxes, interest, and depreciation etc. Review Source KB Kushal B. QC Associate Real Estate Used the software for: 2+ years ### "UberWriter - Amazing underwriting tool!" January 16, 2019 5.0 UberWriter is one of 'The Best' product I have ever used in my career in the Mortgage Industry. Pros The ease of use is no match with other sheets or software used anywhere in this industry. Additionally, it is helpful in taking an appropriate decision in terms of income as it minimizes errors and provides helpful pop up which indeed helps a lender avoid repurchases. Cons There are no cons for this; however, the navigation can be improved further. Summary of borrower and co-borrower income can be placed side by side followed up by detailed analysis . Review Source KM Kapil M. QC Associate Real Estate Used the software for: 2+ years ### "UberWriter" January 9, 2019 5.0 As per organization, this is a useful tool for the mortgage industry. We can do perfect income calculations from this tool including wage & self-employment as well. Also, UberWriter provides the perfect income calculation hence we need to do any second thought which is a best part of UberWriter. Pros This software is easy to use and user friendly. Cons UberWriter should change some graphical effects those will increase more interest to use this tool for the mortgage income calculations. Also, UberWriter can update with the income calculation formulas which will reflect into UberWriter. Review Source JM Jean M. Mortgage Analyst Banking Used the software for: 1-2 years ### "Uber Writer = Income analysis + Easy" January 8, 2019 5.0 This software helps us with compliance especially with regard to fair lending. It helps my lenders ensure that they look at income on every loan the same way. Pros I love that it consistently updates to the changes in rules and regulations for representatives. I love that I know that my income calculations will be the same no matter who on our team calculates it. That consistency is vital to fair lending, compliance and overall a strong loan portfolio! Cons One update made it so that you now have to change it every time you want to search all files. I was hoping that down the road I will be able to set my preferences. I review many people's work, so it would be nice to not just search the recent files. Review Source Similar Products Featured