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Agent · Spec in review

Income Calculation Agent

Calculates qualifying income for wage-earner, self-employed, gig and other complex income using agency income tools and tax-return analysis, with full audit trail for rep-and-warrant relief.

Full spec in reviewSemi-autonomousComplexity: High
The full specification - workflow, tools, guardrails, handoffs and evaluation set - is in review and will replace this page when published.

What it does

  • Parse paystubs, W-2s, 1099s and tax returns
  • Apply agency income rules (Freddie Income Calculator/AIM, Fannie DU validation)
  • Compute monthly qualifying income and DTI
  • Document calculation rationale
  • Flag declining or inconsistent income

Systems and data it works with

  • Freddie Mac Income Calculator/AIM Check API
  • Fannie Mae DU validation service
  • LOS
  • IDP platform (Ocrolus/Candor)