What mortgage underwriting guidelines apply when my credit score fluctuates due to high credit card utilization right before closing?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What mortgage underwriting guidelines apply when my credit score fluctuates due to high credit card utilization right before closing?
3 real searches · 1 real-search pass
Fannie Mae Selling Guide credit report refresh before closing changes credit score revolving utilization underwriting re-underwriting 2026Google ↗
OBSERVEDConsequence
Freddie Mac seller servicer guide credit report update before closing credit score utilization mortgageGoogle ↗
OBSERVEDConsequence
FHA Single Family Housing Policy Handbook credit report refresh before closing credit score changesGoogle ↗
OBSERVEDConsequence
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Fannie Mae Selling Guide credit report refresh before closing changes credit score revolving utilization underwriting re-underwriting 2026 Google ↗
Freddie Mac seller servicer guide credit report update before closing credit score utilization mortgage Google ↗
FHA Single Family Housing Policy Handbook credit report refresh before closing credit score changes Google ↗
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae Selling Guide credit report refresh before closing changes credit score revolving utilization underwriting re-underwriting 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Freddie Mac seller servicer guide credit report update before closing credit score utilization mortgage OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
FHA Single Family Housing Policy Handbook credit report refresh before closing credit score changes OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |