Real ChatGPT answer · index seedAVDJ8WToxYMcompleteFinance and banking · mortgagesinformational

Could you break down the exact formula lenders use to determine if my retirement portfolio dividends qualify as steady income when I am applying for a mortgage?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Could you break down the exact formula lenders use to determine if my retirement portfolio dividends qualify as steady income when I am applying for a mortgage?
2 real searches · 1 real-search pass
Fannie Mae Selling Guide dividend income stocks bonds retirement account distributions continuance two years three yearsGoogle ↗
OBSERVED
Freddie Mac Seller Servicer Guide dividend income stocks bonds 2 years continuance 3 years mortgage qualifying 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 2 queries…

Searches and sources

ChatGPT2 real searches · gpt-6
Fannie Mae Selling Guide dividend income stocks bonds retirement account distributions continuance two years three years Google ↗
Freddie Mac Seller Servicer Guide dividend income stocks bonds 2 years continuance 3 years mortgage qualifying income Google ↗
  1. Annuity, Pension, or Retirement Income · selling-guide.fanniemae.com
  2. General Income Information · selling-guide.fanniemae.com
  3. Income Reported on IRS Form 1040 · selling-guide.fanniemae.com

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Fannie Mae Selling Guide dividend income stocks bonds retirement account distributions continuance two years three years
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
Freddie Mac Seller Servicer Guide dividend income stocks bonds 2 years continuance 3 years mortgage qualifying income
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1