How does lenders calculate debt-to-income ratios for physicians with high federal loan balances who are trying to qualify for a conventional mortgage in today's market?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does lenders calculate debt-to-income ratios for physicians with high federal loan balances who are trying to qualify for a conventional mortgage in today's market?
3 real searches · 1 real-search pass
2026 conventional mortgage underwriting student loan debt Fannie Mae Freddie Mac physician IDR payment DTI guidelinesGoogle ↗
OBSERVEDReason
Fannie Mae Selling Guide student loans monthly debt obligation income-driven repayment 1% balance conventional mortgage 2026Google ↗
OBSERVEDOther / navigational
Freddie Mac Guide student loans monthly payment income driven repayment deferred loans conventional mortgage 2026Google ↗
OBSERVEDReason
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
2026 conventional mortgage underwriting student loan debt Fannie Mae Freddie Mac physician IDR payment DTI guidelines Google ↗
Fannie Mae Selling Guide student loans monthly debt obligation income-driven repayment 1% balance conventional mortgage 2026 Google ↗
Freddie Mac Guide student loans monthly payment income driven repayment deferred loans conventional mortgage 2026 Google ↗
- Monthly Debt Obligations · selling-guide.fanniemae.com
- Monthly Debt Obligations · guide-selling.fanniemae.com
- Monthly Debt-to-Income Ratio · api.homebuyer.com
- Loan Product Advisor® · sf.freddiemac.com
- Debt-to-Income Ratios · guide-selling.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 conventional mortgage underwriting student loan debt Fannie Mae Freddie Mac physician IDR payment DTI guidelines OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Fannie Mae Selling Guide student loans monthly debt obligation income-driven repayment 1% balance conventional mortgage 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
Freddie Mac Guide student loans monthly payment income driven repayment deferred loans conventional mortgage 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |