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Evaluating & Calculating Variable Income

Recorded on 3/4/26

Evaluating variable income can be challenging due to its fluctuating nature. Plus, you have to understand all the Agency guidelines for analyzing variable income. Learn how to analyze income trends along with other factors so you can make the best underwriting decisions when calculating variable income.

During this 60-minute webinar, we will examine specific case studies involving:

  • Commission
  • Overtime
  • Bonus
  • Shift differential

Note: This class does not include evaluating self-employed borrowers (SEB). MGIC offers specific SEB classes for analyzing returns for corporations, sole proprietors, partnerships, S corporations and rental income. 

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Sandra Sweeney

Senior Customer Trainer

MGIC

Meet Sandra Sweeney

Sandra Sweeney, senior customer trainer and training program developer for MGIC, has a mortgage industry career that spans over 4 decades. Her previous experience in loan origination, underwriting and management has given her a deep understanding of and appreciation for various industry roles.


In her current role, Sandra oversees the design of many MGIC training resources, including the self-employed borrower income series, the Magic Minutes training series, and income calculation tools. In developing and facilitating training, she aims to break down complex concepts into easily digestible knowledge and help mortgage professionals build the skills to become trusted advisors for their borrowers.

Sandra lives at Smith Mountain Lake, Virginia, where she enjoys volunteering for various organizations, boating, and enjoying water sports with her family

 

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