HOME LOANS - COMMERCIAL LENDING
VA Bonus Entitlement Calculator
Figure out remaining entitlement, max $0‑down loan, and any minimum down payment.
Your Results
Base Entitlement (25% of Limit)
Previously Used
Remaining Entitlement
Max Loan Amount (No Down Payment)
Minimum Down Payment (for your price)
How this works
- Base Entitlement = Area Loan Limit × 25%.
- Remaining Entitlement = Base − Previously Used (not below $0).
- Max $0‑Down Loan = Remaining × 4.
- Minimum Down Payment (if price entered) = (Price × 25%) − Remaining (not below $0).
For education only. Always verify with current VA policy and lender underwriting.
Comp Split Calculator
Normal total comp assumed 2.75%. Corporate (Mpire) fixed at 0.35%. LO & Sales Manager scale by the reduction ratio.
Tip: commas are okay (e.g., 300,000).
200 bps = 2.00%
Example: 225 bps = 2.25% total at lock.
Auto-calculates as you type.
Baseline (Normal)
Total (Normal)
2.75% (275.00 bps)
Corporate (Fixed)
0.35% (35.00 bps)
LO (Normal)
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Sales Manager (Normal)
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Reduction Ratio (Adjustable Pool)
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Ratio = (Locked Total − 0.35%) ÷ 2.40%
New Comp & Commissions (at Lock)
LO
—
—
—
Sales Manager
—
—
—
Corporate (Mpire)
0.35% (35.00 bps)
—
Fixed
Totals
—
—
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Refinance Breakeven Calculator
Correspondent Income Calculator
Enter Loan Amount, LO Comp (bps), Note Rate, Discount Points (%), Lender Credit ($), Final Price, and Lender.
Inputs
Note: Positive entries are flipped negative, negative entries are flipped positive for calculation.
Results
Pricing dollars
$0
Discount points ($)
$0
Admin fee
$995
Lender credit ($)
$0
Total revenue (pre-deductions)
$0
UW fee (by lender)
$0
Correspondent fee (25 bps)
$0
Commission split (275 − LO bps)
$0
Gross income to LO ($)
$0
Gross income to LO (%)
0%
Gross income to LO (bps)
0
Deal Summary
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