Between a local credit union's portfolio mortgage and an FHA loan for first-time home buyers, which offers better debt-to-income flexibility for someone with high student loan burdens?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Between a local credit union's portfolio mortgage and an FHA loan for first-time home buyers, which offers better debt-to-income flexibility for someone with high student loan burdens?
3 real searches · 1 real-search pass
FHA mortgage student loan debt monthly payment calculation 0.5% actual documented payment HUD handbook 4000.1Google ↗
OBSERVEDReason
FHA debt to income ratios manual underwriting 31 43 TOTAL scorecard compensating factors HUDGoogle ↗
OBSERVEDReason
credit union portfolio mortgage underwriting debt to income flexibility student loans portfolio loan lender guidelinesGoogle ↗
OBSERVEDReason
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
FHA mortgage student loan debt monthly payment calculation 0.5% actual documented payment HUD handbook 4000.1 Google ↗
FHA debt to income ratios manual underwriting 31 43 TOTAL scorecard compensating factors HUD Google ↗
credit union portfolio mortgage underwriting debt to income flexibility student loans portfolio loan lender guidelines Google ↗
- FHA Single Family Housing Policy Handbook · hud.gov
- FHA Single Family Housing Policy Handbook · hud.gov
- Final Underwriting Decision, FHA Handbook 4000.1 II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 5. Manual Underwriting of the Borrower · claudeforcompliance.com
- FHA TOTAL | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
- Slides - Housing Counseling Webinar: An Overview of FHA Single Family Housing · files.hudexchange.info
- Portfolio loans: How they work and who qualifies · rocketmortgage.com
- § 160.101 12 CFR Ch. I (1–1–25 Edition) Loan Por · govinfo.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FHA mortgage student loan debt monthly payment calculation 0.5% actual documented payment HUD handbook 4000.1 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FHA debt to income ratios manual underwriting 31 43 TOTAL scorecard compensating factors HUD OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
credit union portfolio mortgage underwriting debt to income flexibility student loans portfolio loan lender guidelines OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |