How does paying down a large credit card balance right before a hard credit pull impact my debt-to-income ratio for a jumbo mortgage?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does paying down a large credit card balance right before a hard credit pull impact my debt-to-income ratio for a jumbo mortgage?
2 real searches · 1 real-search pass
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 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
mortgage debt-to-income ratio credit card minimum payment revolving debt jumbo loan underwriting paying down balance before credit pull Fannie Mae guidance Google ↗
CFPB debt-to-income ratio monthly debt payments credit cards mortgage Google ↗
- Risk Factors Evaluated by DU · selling-guide.fanniemae.com
- Debt-to-Income Ratios · guide-selling.fanniemae.com
- Monthly Debt Obligations · selling-guide.fanniemae.com
- Debts Paid Off At or Prior to Closing · guide-selling.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
mortgage debt-to-income ratio credit card minimum payment revolving debt jumbo loan underwriting paying down balance before credit pull Fannie Mae guidance OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB debt-to-income ratio monthly debt payments credit cards mortgage OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |