How do lenders calculate overtime and bonus income for a mortgage when you are trying to improve your debt-to-income ratio urgently
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate overtime and bonus income for a mortgage when you are trying to improve your debt-to-income ratio urgently
3 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.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
Fannie Mae overtime bonus income calculation two year history declining income employment income guide 2026 Google ↗
Freddie Mac overtime bonus income requirements 2026 mortgage guide Google ↗
FHA overtime bonus income effective income two years 2026 handbook Google ↗
- Bonus, Commission, Overtime, and Tip Income · guide-selling.fanniemae.com
- Standards for Employment-Related Income · selling-guide.fanniemae.com
- Effective Income Analysis, FHA Handbook 4000.1 II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > B. Title II Insured Housing Programs Reverse Mortgages > 5. Performing the Financial Assessment of the Borrower · claudeforcompliance.com
- FHA Single Family Housing Policy Handbook · hud.gov
- Standards for Employment and Income Documentation · selling-guide.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae overtime bonus income calculation two year history declining income employment income guide 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Freddie Mac overtime bonus income requirements 2026 mortgage guide OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FHA overtime bonus income effective income two years 2026 handbook OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |