Real ChatGPT answer · index seedDoabrfNpyoEcompleteFinance and banking · credit scores and repairlocal
How does being a co-signer on a delinquent private student loan currently impact my debt-to-income ratio when applying for a jumbo mortgage in Texas?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How does being a co-signer on a delinquent private student loan currently impact my debt-to-income ratio when applying for a jumbo mortgage in Texas?
3 real searches · 1 real-search pass
2026 current Fannie Mae Selling Guide co-signed debt 12 months payments delinquent student loan DTIGoogle ↗
OBSERVEDConsequence
2026 jumbo mortgage underwriting co-signed student loan delinquent debt DTI lender guidelines TexasGoogle ↗
OBSERVEDReason
Freddie Mac guide contingent liabilities co-signed debt 12 months payments mortgage DTI delinquentGoogle ↗
OBSERVEDConsequence
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 current Fannie Mae Selling Guide co-signed debt 12 months payments delinquent student loan DTI Google ↗
2026 jumbo mortgage underwriting co-signed student loan delinquent debt DTI lender guidelines Texas Google ↗
Freddie Mac guide contingent liabilities co-signed debt 12 months payments mortgage DTI delinquent Google ↗
- Monthly Debt Obligations · selling-guide.fanniemae.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Guarantors, Co-Signers, or Non-Occupant Borrowers on the Subject Transaction · guide-selling.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 current Fannie Mae Selling Guide co-signed debt 12 months payments delinquent student loan DTI OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
2026 jumbo mortgage underwriting co-signed student loan delinquent debt DTI lender guidelines Texas OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac guide contingent liabilities co-signed debt 12 months payments mortgage DTI delinquent OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |