Does paying off my car loan today instantly lower my debt to income ratio enough for underwriting to approve my mortgage before our closing date tomorrow?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Does paying off my car loan today instantly lower my debt to income ratio enough for underwriting to approve my mortgage before our closing date tomorrow?
2 real searches · 1 real-search pass
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 (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
Fannie Mae Selling Guide installment debt paid off before closing documentation exclude monthly payment DTI payoff evidence Google ↗
Freddie Mac mortgage underwriting debt paid off before closing installment debt monthly payment documentation Google ↗
- Debts Paid Off At or Prior to Closing · selling-guide.fanniemae.com
- Freddie Mac Single-Family Seller/Servicer Guide PDF · guide.freddiemac.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae Selling Guide installment debt paid off before closing documentation exclude monthly payment DTI payoff evidence OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac mortgage underwriting debt paid off before closing installment debt monthly payment documentation OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |