Want to know about mortorgage calculator

Hey, I had recently joined a finance company where I have to deal with loan so for that I want information about Mortorgage calculator which will help in my job.

how do u you calculate income for loan modification what bills u use and what can u not report ,,,what is the best way to get the lender to lower the rate

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lois trotter in Rancho Cucamonga, California said: how do u you calculate income for loan modification what bills u use and what can u not report ,,,what is the best way to get the lender to lower the rate

First, you ask the client(s) for the following information if they are a wage earner: Last years tax returns, and current pay stub with "year-to-date (YTD)" stated on the pay stub. Next, once you have this information you'll be able to calculate the monthly income on concise numbers. The income tax returns will show if there's other income being generated outside of work; dividend income, rental income, etc. Last, grab your calculator and average out the numbers or ask the client if they have the necessary paperwork to file taxes from their employers.

Hope this helps..!