What are lenders looking at for mortgage pre-approval letters right now since I only have one year of stable income history after college?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are lenders looking at for mortgage pre-approval letters right now since I only have one year of stable income history after college?
3 real searches · 1 real-search pass
2026 mortgage underwriting one year employment history recent college graduate Fannie Mae income employment historyGoogle ↗
OBSERVEDShort fact
Fannie Mae selling guide employment history education school recent graduate one year income historyGoogle ↗
OBSERVEDOther / navigational
Freddie Mac mortgage employment history recent college graduate one year stable income requirements 2026Google ↗
OBSERVEDShort fact
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 mortgage underwriting one year employment history recent college graduate Fannie Mae income employment history Google ↗
Fannie Mae selling guide employment history education school recent graduate one year income history Google ↗
Freddie Mac mortgage employment history recent college graduate one year stable income requirements 2026 Google ↗
- Standards for Employment-Related Income · selling-guide.fanniemae.com
- Standards for Employment-Related Income · guide-selling.fanniemae.com
- Standards for Employment and Income Documentation · selling-guide.fanniemae.com
- Documents you need to apply for a mortgage · yourhome.fanniemae.com
- Bonus, Commission, Overtime, and Tip Income · selling-guide.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 mortgage underwriting one year employment history recent college graduate Fannie Mae income employment history OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
Fannie Mae selling guide employment history education school recent graduate one year income history OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
Freddie Mac mortgage employment history recent college graduate one year stable income requirements 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 |