# Page 2 | IncomeXpert Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 2 - 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 # Page 2 - Reviews of IncomeXpert ## Showing most helpful reviews Showing 26-50 of 60 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use RS Richa S. Mortgage Underwriter Retail Used the software for: 2+ years ### "Easy to use" January 16, 2019 5.0 Overall the experience with Uberwriter has been very beneficial and has been a great tool in underwriting files. Pros It's helpful and easy to use. 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 Not too much of an issue. Sometimes documents are converted to a PDF and its shows some error and printed material on the report will be split between two pages. Review Source PD Patricia D. Underwriter Financial Services Used the software for: 2+ years ### "Uber Use" January 9, 2019 5.0 I resisted using it at first because I had my set way of calculating everything but once I started using it, I couldn't believe how easy it is and how much time it saves me! Pros The breakdown of sections for each type of income and for REO are fantastic! Cons Calculations when there are gaps in employment can't be adjusted (#of mos to consider). Several times I've had a borrower who left a company and then came back in the same yr and there is no way to analyze but on the pro side, you can go in manually and adjust averages. Review Source PC Pam C. Underwriter Financial Services Used the software for: 2+ years ### "So Helpful" January 14, 2019 4.0 The customer service level is above and beyond what I would expect - while the website may not always function perfectly, I always get a timely and personal response when I email for help. Pros What I like most about Uberwriter is that it has so many different calculations available for me in one place. Cons There is no option for calculating income from assets for USDA loans. There is one that can be used for 401k type income, but when calculating Annual Income for USDA, that is not the only type of asset we have to look for. Review Source CD Cristina D. Underwriter Banking Used the software for: 6-12 months ### "UberEasy" January 15, 2019 5.0 In my opinion, it has really helped improve the UW process by making it more efficient. Pros I like report that is provided that shows the break down of the income calculation. I like all the features it provides and how Uberwriter can tailor to different loan products and customize each income calculation recommendations to coincide with the loan product. In addition, when a calculation has been inputted previously it's less work if the data is inputted correctly. Cons There's not much to say about what I least like, but I did not like that if I had previously input an income calculation, someone else can change it after me within the same calculation report; however, there is a new feature where the calculation report can be copied and worked on with out altering the original report. Review Source DB Dawn B. Pipeline Manager Banking Used the software for: 1-2 years ### "I Love UberWriter " January 16, 2019 4.0 Pros I like from beginning of the process to the end the income worksheet is shared with all colleagues that have access to UberWriter. I also like that UberWriter stays up to date with guideline changes so if you choose the right program the application is set up for that particular program. Cons The only thing I wish had additional fields is the regular employed borrower. We have several employees that receive additional types of pay and there is no designated spot for that. i.e. Auto reimbursement. Night Diff. Longevity. etc. Review Source TN Tamara N. Sr. Govt. Underwriter Banking Used the software for: 6-12 months ### "Uberwriter" January 17, 2019 4.0 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 BK BONNIE K. government underwriter Real Estate Used the software for: 2+ years ### "FHA and VA - tax return analysis" January 8, 2019 4.0 benefits are conformity. easy to use. follow the instructions. I really like this. Pros love just following the steps, avoids errors Cons we need to be able to addback interest, insurance, and taxes on rental properties. Also, we need to be able to subtract meals and entertainment for self employed borrowers. then it would be perfect. Review Source RS Rahul S. Quality Control Financial Services Used the software for: 1-2 years ### "Review for UberWriter" January 14, 2019 5.0 I am into the Quality Control profile and using UberWriter has helped me a lot in reviewing the loan files. Pros 1\. The ease with which the person can use the software 2. The guidelines preview while inputting any value is exceptional. 3. The updates received from UberWriter about the guidelines and other agency changes is foremost the best in the industry. 4. The video library provide an exclelent problem solving option. Cons There's nothing much I would like to change about this software. Review Source LM Laura M. Team Lead Pre Funding Quality Assurance Real Estate Used the software for: 1-2 years ### "Uberwriter from a Quality Assurance Perspective" January 9, 2019 5.0 I review loans prior to funding and post funding. I have found since my company started using Uberwriter that issues with income calculation have decreased dramatically. Pros I like Uberwriter because the software guides the user through every income scenario, provides recommended income analysis and Agency guideline warnings. Cons There have been times I will try to access the library through Uberwriter and I usually get an error message or it kicks me off of the page. This can be frustrating. Review Source YM Yan M. Director of Operations Financial Services Used the software for: 2+ years ### "Awesome Software with Solid Results" January 10, 2019 5.0 I have been with Uberwriter for quiet some time. I have even asked for features that they added. The fact that the management and employees listen to their clients and then make the appropriate changes is a rare thing in business these days. This software and its employees will go a long way since clearly they listen and service their clients. Pros I love the fact that I can double check my number and the numbers of my employees in order to assure accurate income calculations. The best part is that I can add multiple employment calculations 1099, W-2's and K-1 then print out the calculations and turn them into the UW for review. Cons There is not much I dont like but i would like to see the ability for better reporting information on the print out sheet Review Source KC Kelsey C. Underwriter Financial Services Used the software for: 1-2 years ### "Great at helping calculate income" August 5, 2019 5.0 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 RP Rahul P. Underwriter Banking Used the software for: 2+ years ### "Income Analysis made easy and helps in comparing income trend" January 14, 2019 5.0 Great,Specially income section. Pros Make very easy to calculate the income and compare the trend through charts and tables. It helps us to ideal income for qualification. Cons Everything is good about the software.However it look great if we have less tab in the software Review Source AA Anil A. Underwriter Support Legal Services Used the software for: 1-2 years ### "underwriter Support" January 8, 2019 5.0 Great experience while working on uberwriter, I am new in underwriting and uberwriter make my life easy. Pros User Friendly, And graphical representation make simple to understand. Cons Need to provide more details related to agency guideline for all situation. Whats the agency requirement and are we fulfilling agency requirement or more details need to be mention for calculation. Review Source CH Candi H. Underwriter III Financial Services Used the software for: 1-2 years ### "I LOVE UberWriter!" January 8, 2019 5.0 I have loved using UberWriter. It is so much easier when my team also uses it, we rarely have disputes over income calculations anymore. Pros That I never have to wonder what I was thinking when I calculated income, it's right there! Cons That the feedback for a simple income calculation is 4 pages and that the income calculation as it appears on the screen does NOT print. Review Source MS Margaret S. Sr. Underwriter Banking Used the software for: 1-2 years ### "Review" January 8, 2019 5.0 It has been great, 100% improvement over our previous income worksheets. Pros Easy to use, update and make changes. Already has guidelines for each product line, FHA, Conv, VA, etc. Cons Sometimes the search for existing file does not always come up by the loan number but it can always be found by ID or name. Review Source RR RHEA R. GOVERNMENT UW Financial Services Used the software for: 1-2 years ### "MY REVIEW OF UBERWRITER" January 10, 2019 4.0 Pros It's efficient in calculating all types of income Cons The rental calculator does not allow for us to add back mortgage interest, taxes, insurance, etc for non subject properties, even though guides allow for this. I have to use an external site when calculating rental income. Review Source CH Christie H. Loan Credit Advisor Financial Services Used the software for: 6-12 months ### "So user-friendly!" January 8, 2019 5.0 I have had nothing but a positive experience. The one time I did need assistance, I received a timely and informative response. My issue was resolved quickly and easily. Pros I like that it is very user-friendly, especially with the aspect of changing calculation methods accordingly, per loan product type. It is nearly impossible to do an incorrect income calc with this software! Cons I can't say I have any complaints! I am a huge fan of this software! Review Source CC Christine C. Underwriter Financial Services Used the software for: 1-2 years ### "Income analysis made easy!" January 8, 2019 5.0 I really enjoy using the product, it has taken a task that would take some time and streamlined it. Pros how it shows you immediately your options on what income to use. Cons the UREs I wish it would give analysis like what lines where from schedule A, ect. if add backs, Review Source SM Sara M. Underwriter Financial Services Used the software for: 1-2 years ### "Mortgage Underwriter" January 8, 2019 5.0 WONDERFUL!!! Pros I love the ease of using it. It walks you through all the line items on self employed borrowers. On variable income it offers all the averages for the income Cons So far I have honestly not found anything I don't like Review Source RG Rohit G. Senior Associate (QC) Financial Services Used the software for: 6-12 months ### "One-Stop destination" January 16, 2019 4.0 You just have enter the values and get the multiple options of Income, that can be used. This is amazing thing about uber-writer. Secondly, pop-up explanation with fields of inputs is awesome. Pros Easiness to use. Overall speed of the software and navigation is easy to understand. Cons I don't see any cons in my field of work. I use Income calculation part of it only. And it is simply the one stop destination. Review Source sB steve B. uw Real Estate Used the software for: 1-2 years ### "Uberwriter review " January 15, 2019 4.0 Overall, income calculations have become more efficient and uniform. Pros simplifies difficult income calculations and includes helpful guidelines. Cons report page can have a lot of info that makes it difficult to read. Review Source GD Guyllian D. Underwriter Financial Services Used the software for: 1-2 years ### "Uberwriter Underwriter Review" January 15, 2019 5.0 Overall experience is great, it was definitely step up from our old income calculator. Pros It is very intuitive. Relatively easy to use as well. Cons There's many clicks needed to get to a certain function. Review Source CC Charlynne C. Underwriter, Jr. Financial Services Used the software for: 1-2 years ### "Uberwriter" January 8, 2019 4.0 Pros I like most that the software is easy to navigate , and self explanatory. Cons I don't like that it has several tabs, if it was condensed it would make it extremely efficient. Review Source TG Tammy G. Senior Underwriter Financial Services Used the software for: 1-2 years ### "Senior Underwriter" January 8, 2019 4.0 Pros able to see the over income trend and evaluate red flags Cons not able to swap borrower from borrower to co-borrower Review Source CR Chandra R. underwriter Banking Used the software for: 6-12 months ### "makes life easier" January 8, 2019 5.0 Great it stops the guessing and having to stop and look up the guideline to see what items can an not be counted for the specific program and product. Pros Makes calculating income easy. Mark the program box and it will show you what boxes need completed. Cons I wish it would keep you logged in longer. Review Source Similar Products Featured