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24mo Bank Stmt
12mo Bank Stmt
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Borrower Loan Number
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Disclaimer
Pricer will generate pricing scenarios outside of guideline restrictions. Please confirm pricing scenarios meet Brokers Advantage guidelines.
Pricer
Data Input
Pricing Output
Messages
Product
*
Next iNC
Second
Note Rate
*
Occupancy
*
Owner Occupied
Second Home
Non Owner Occupied
Credit Score
*
CLTV
*
Loan Amount
*
Amortization Term
*
30yr Fixed
40yr Fixed
30yr Buydown Seller
30yr Buydown Lender
10yr Fixed
15yr Fixed
20yr Fixed
30/15yr Balloon
40/15yr Balloon
5/6 30yr ARM SOFR
5/6 40yr ARM SOFR
7/6 30yr ARM SOFR
7/6 40yr ARM SOFR
5/1 30yr ARM LIBOR
5/1 40yr ARM LIBOR
7/1 30yr ARM LIBOR
7/1 40yr ARM LIBOR
Amortization Type
*
Full Amortization
Interest-Only
Document Type
*
01-Full Doc 2yr
02-Full Doc 1yr
03-Bank Statement
07-P&L Only
13-Asset Depletion
09-DSCR
14-1099
15-WVOE
Bank Statement
*
24mo Bank Stmt
12mo Bank Stmt
No Bank Stmt
Months Reserves
*
DTI
*
DSCR
*
Purpose
*
Purchase
Rate-Term
Cash-Out
Cash-out Amount
*
Property
*
Valuation Type
*
Full Appraisal
AVM
State
*
AK
AL
AR
AZ
CA
CO
CT
DC
DE
FL
GA
HI
IA
ID
IL
IN
KS
KY
LA
MA
MD
ME
MI
MN
MO
MS
MT
NC
ND
NE
NH
NJ
NM
NV
NY
OH
OK
OR
PA
PR
RI
SC
SD
TN
TX
UT
VA
VT
WA
WI
WV
WY
Housing History
*
NoLatesx12
NoLatesx24
1x30x12
Multiple30x12
Credit Events
*
FC/SS/DIL/BK7 48+mo
FC/SS/DIL/BK7 36-47mo
FC/SS/DIL/BK7 24-35mo
BK7 12-23mo
BK13 DC
Citizenship
*
US Citizen
Permanent Resident Alien
Non-Permanent Resident Alien
Foreign National
Employment
*
Employed
Self-Employed
First Time Homebuyer/Investor
*
No
Yes
Payment
*
ACH
No ACH
Servicing
*
Escrows
No Escrows
Prepay
*
No Prepay
5yr Prepay_5Pct
4yr Prepay_5Pct
3yr Prepay_5Pct
2yr Prepay_5Pct
1yr Prepay_5Pct
Lock Term
*
30 Day
45 Day
Lock Type
Mandatory
Best Efforts
Compensation Type
*
Borrower Paid
Lender Paid
Total LLPA
30 Day
45 Day
Price Adjustment
Net Price
Max Price
Final Price
Blended Rate
1st Lien
2nd Lien
Weighted Avg
Amount
Rate
0.00
Qualify Calculation
Qualify your Loan with NextQual
Qualify calculation is not applicable for Full Docs at this moment.
Qualify Information
Down Pmt + Closing Costs + Prepaid Fees (Purchase Transaction)
Name of Business
Type of Business
Product
Service
Bank Statement Type
Business
Co-Mingled
Personal
Bank Name
Last 4 digits (Account No 1)
Statement Mos
Last 4 digits (Account No 2)
Statement Mos
Percentage of Business Owned
Notes
P & L Information
Income
Loan Details
Totals
P & L Effective Dates (Start / End)
Annual Revenue
Annual Expenses
Net Income
Expense Factor %
Qualify
Qualifying Monthly Income (Revenue - Expenses / 12 mo)
Stmt
Date
Beginning
Balance
Total Deposits
on Bank Statement
Non-Business
Related Deposits
Adj. Deposits
(For qualifying)
Ending
Balance
NSF/
Overdraft
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
Totals:
NSFs (YesNo)
Yes
No
Expense Factor %
% of Deposits Used
100%
%Business Owned
Adj Net Income (Total)
Adj Net Income (Annual)
Adj Net Income (Monthly)
Income
Loan Details
Totals
Down Payment + Closing Cost + Prepaid Fees (Purchase Transaction)
Assets
Account Type
Original Balance
Pct Allowed
Eligible Assets
Checking/Savings/Money Market
Stocks and Bonds
Mutual Funds
Retirement Accounts (if distribution is not set up)
Total Eligible Assets
Qualify
Monthly Eligible Assets - Loan
[Amortized Over 84 Months]
Monthly Adjusted Net Income + Monthly Eligible Assets
DSCR Information
Loan
Details
Totals
Loan Amount
Cash-Out Amount (Cash-Out Refi Only)
Appraisal / Sales Price (Lower of)
LTV (See Guidelines for LTV Limitations)
Note Rate
Payment Type
Loan Term
Proposed Monthly P&I Payment
Property
Monthly Property Taxes
Monthly Insurance
Monthly HOA
Total Monthly Property Costs
Monthly Rent (100% of Gross - Lower of Current or Market Rents)
Total ITIA
Property Cash Flow
DSCR Calculation (Gross Rents /
Total ITIA
)
Credit
Credit Score
Borrower Experience: Previous Ownership/Operation of Residential or Commercial Property
Yes
No
Credit Depth Requirement Met
Yes
No
Mortgage Lates (Max 1x30x24)
Assets
Funds / Reserves Required to Close
Balances
Checking/Savings/Money Market
Stocks and Bonds
Mutual Funds
Retirement Accounts
Gift Funds
Other
Cashout Amount Applied Towards Reserves
Total Assets/Cash out applied toward Reserves/Down payment /Closing costs
Cash To Close (down payment plus closing costs if purchase)
Reserves Required Months: 200k-1.0m (6mo), >1.0-1.5m (9mo), >1.5 (12mo)
Reserves Required Amount
Reserves Required Amount: Additional (Subject Property)
Reserves Required Amount: Additional (Additional Properties)
Total Funds Needed (Cash to Close + Reserves)
Funds to Close Plus Reserves
Asset Depletion
Loan
Details
Totals
Loan Amount
Down Payment + Closing Costs + Prepaid Fees (Purchase Transaction)
Appraisal / Sales Price (Lower of)
LTV (See Guidelines for LTV Limitations)
Assets
Account Type
Original Balance
Pct Allowed
Eligible Assets
Checking/Savings/Money Market
Stocks and Bonds
Mutual Funds
Retirement Accounts (if distribution is not set up)
Total Eligible Assets
Qualify
Qualifying Monthly Income (Total Eligible Assets - Down Pmt / 84 mo)
Loan Document Requirements
Loan Estimator
Points (%)
%
Tests
Thresholds
Lender Fees ($)
Type
Results
APR
Pts Fees
Broker Fees ($)
High Cost (Federal)
3rd Party Processing Fees ($)
High Cost (State)
Other Fees ($)
QM
Interest Days ($)
HPML
Actual
APR
Pts Fees
Loan Type
Valuation Type
Marketing / Specials
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