Free mortgage income calculators and loan file tools
Free calculators and templates that help brokers prepare loan files; each tool assists your review and the lender makes the decision.
Calculators and templates
Mortgage DTI calculator
Front-end and back-end ratios from the income and debts you enter.
Open →Gift letter template
Fill in donor, amount and property details, then print or download.
Open →
Questions
Are these tools free?
Yes. Each tool on this page is free to use in your browser without an account. StatementReady's paid product builds the bank statement income worksheet from uploaded statements.
Do these tools approve a loan?
No. They help a broker organize figures and documents for a loan file. The lender's underwriting makes every approval and income decision.
Which tool should I start with for a bank statement loan?
Start with the bank statement income calculator, then carry the monthly income figure into the DTI calculator if you need a ratio for your own review.
Are the results lender-specific?
No. The tools use the inputs you enter. Confirm expense factors, look-back periods and ratio limits with the lender you are submitting to.
Ready for the real statements?
Upload 12 or 24 months of PDFs. StatementReady checks whether each statement adds up to its printed balances.
This tool assists your review of the loan file. The lender makes all underwriting decisions.
StatementReady isn't affiliated with or endorsed by Fannie Mae, Freddie Mac, FHA, USDA, VA or any lender named here.