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Before taxes (gross).
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Include all minimum monthly payments — auto, student, personal loans, credit card minimums.
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Does the client's current mortgage include escrow?
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Your LO profile appears on client-facing Roadmap PDFs.

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Loan Officer
My Lender Overlays
Your lender's minimum score by program. Leave blank for programs where you follow agency guidelines.
Or upload your lender's overlay-matrix PDF (Phase 1 previews the extracted text; Phase 2 will parse values into the worksheet above).
or drop a PDF here 

          

            
            
          

          

        

      


      


      
      
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