LO Tools & Resources
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Optimized Home Loans • Internal Tools
Loan Officer
Resource Hub
Professional calculators and tools built to the exact guidelines underwriters use. Bookmark this page for fast access on every file.
🧮 Calculators
Live
Mortgage Income Calculator
Form 1084-style calculator covering all IRS income types. W-2, Schedule C, 1065 Partnership, 1120-S S-Corp, 1120 C-Corp, Schedule E rental, retirement and SS. 1-year or 2-year method toggle. Prints clean UW worksheet.
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Live
VA Entitlement Calculator
Second-tier entitlement and down payment calculator for VA-to-VA scenarios. Input existing loan balance, county limit, and purchase price to calculate exact down payment required.
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Coming soon
DTI Calculator
Front-end and back-end debt-to-income ratios using qualifying income from the income calculator. Input proposed PITIA and monthly debts.
Coming soon
Trailing-12 Seasonal Income
Month-by-month income entry for tipped, commission, and seasonal borrowers. Builds a 12-month rolling average to document recurring seasonal patterns.
Coming soon
DSCR Qualifier
Debt service coverage ratio calculator for investor loans. Input gross rents and PITIA to calculate DSCR and determine minimum ratio requirements by lender.
Add a tool
Upload a new tool to your hosting, copy the URL, and paste it into a new card here. Edit this page in GHL to add it.
🔗 Quick links
OHL Website
Blog
Fannie Mae Income Calculator
Freddie Mac Form 91
Fannie Mae Form 1084
VA Home Loans
FHA Handbook 4000.1
Fannie Selling Guide
📚 Quick reference
2025 / 2024 Loan Limits
Conforming: $806,500 (baseline) • High-cost: up to $1,209,750 • FHA baseline: $524,225 • VA: No limit (full entitlement)
SS Gross-Up Quick Ref
Non-taxable SS × 1.25 (Conv/FHA/VA) • Verify non-taxable status on 1040 Line 6b • Award letter or 1099-SSA Box 5 for gross amount
Self-Employed 2-Year Rule
Must have 24-month SE history • Use 1-year method if: business 5+ yrs AND income stable/increasing • Declining income = use lower year only
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