Mortgage Co-Pilot

Mortgage Co-Pilot

Form 1084–style income spreading, built for loan officers

Upload borrower docs, generate qualifying monthly income with clear breakdowns and red flags — ready to paste into Encompass or ARIVE.

View pricing
Income workspace preview

Borrower docs

W-2 · 1040 · Paystubs

Qualifying monthly

$8,420

Red flags

2 reviewed

Built for complex borrower income

Everything loan officers need to spread self-employed and layered income without leaving the workflow.

PDF document intake

Drop borrower tax returns, W-2s, and paystubs into a focused workspace.

Form 1084–style QI

Automated qualifying income with add-backs and a clear annual-to-monthly spread.

Red flag review

Surface inconsistencies and underwriting risks before you submit to the LOS.

LOS copy-ready

Export structured results ready for Encompass or ARIVE — no retyping.

Simple pricing for every desk

Start free, upgrade when you are ready for full Co-Pilot access.

Free

$0forever

Try Form 1084–style income spreading with 3 free calculations.

  • 3 free income spreads
  • Dashboard workspace access
  • Account management
  • Upgrade anytime

Pro Monthly

Popular
$49per month

Full premium access billed monthly — cancel anytime.

  • Full Co-Pilot workspace
  • Form 1084-style income tools
  • Priority feature access
  • Email support

Pro Lifetime

$499one-time

Pay once for ongoing Pro access — best for established brokers.

  • Everything in Pro Monthly
  • Lifetime license
  • No renewals
  • Early access to new tools