How do car loans and student debt affect our overall debt to income ratio when we apply for a mortgage prequalification with a major lender?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do car loans and student debt affect our overall debt to income ratio when we apply for a mortgage prequalification with a major lender?
3 real searches · 1 real-search pass
Fannie Mae selling guide student loans monthly debt obligations DTI income-driven repayment 2026Google ↗
OBSERVEDOther / navigational
Freddie Mac guide student loans debt payment DTI mortgage 0 payment 2026Google ↗
OBSERVEDOther / navigational
CFPB debt-to-income ratio mortgage what counts monthly debt car loan student loansGoogle ↗
OBSERVEDComparison
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 student loans monthly debt obligations DTI income-driven repayment 2026 Google ↗
Freddie Mac guide student loans debt payment DTI mortgage 0 payment 2026 Google ↗
CFPB debt-to-income ratio mortgage what counts monthly debt car loan student loans Google ↗
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Selling Guide · singlefamily.fanniemae.com
- Monthly Debt Obligations · selling-guide.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae selling guide student loans monthly debt obligations DTI income-driven repayment 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
Freddie Mac guide student loans debt payment DTI mortgage 0 payment 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
CFPB debt-to-income ratio mortgage what counts monthly debt car loan student loans OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |