Real ChatGPT answer · index seed5CcOizIVcOgcompleteFinance and banking · credit scores and repairinformational
What specific metrics do mortgage lenders look at when evaluating a borrower who has rebuilt credit for three years post-foreclosure?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What specific metrics do mortgage lenders look at when evaluating a borrower who has rebuilt credit for three years post-foreclosure?
3 real searches · 1 real-search pass
mortgage underwriting after foreclosure credit score debt to income loan to value reserves payment history FHA three years foreclosure Fannie Mae guidelines 2026Google ↗
OBSERVED
Fannie Mae Selling Guide foreclosure waiting period 7 years extenuating circumstances 3 yearsGoogle ↗
OBSERVED
HUD FHA Single Family Housing Policy Handbook foreclosure waiting period three years credit score debt to incomeGoogle ↗
OBSERVED
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.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
mortgage underwriting after foreclosure credit score debt to income loan to value reserves payment history FHA three years foreclosure Fannie Mae guidelines 2026 Google ↗
Fannie Mae Selling Guide foreclosure waiting period 7 years extenuating circumstances 3 years Google ↗
HUD FHA Single Family Housing Policy Handbook foreclosure waiting period three years credit score debt to income Google ↗
- Risk Factors Evaluated by DU · selling-guide.fanniemae.com
- Significant Derogatory Credit Events — Waiting Periods and Re-establishing Credit · selling-guide.fanniemae.com
- Fannie Mae Selling Guide March 4, 2026 · singlefamily.fanniemae.com
- HUD 4155.1 · cdfifund.gov
- SFH Handbook 4000.1 | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
mortgage underwriting after foreclosure credit score debt to income loan to value reserves payment history FHA three years foreclosure Fannie Mae guidelines 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Fannie Mae Selling Guide foreclosure waiting period 7 years extenuating circumstances 3 years OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
HUD FHA Single Family Housing Policy Handbook foreclosure waiting period three years credit score debt to income OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |