My debt-to-income ratio is right at forty-three percent, so will Wells Fargo deny my refinance application today or can I use my spouse's income?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
My debt-to-income ratio is right at forty-three percent, so will Wells Fargo deny my refinance application today or can I use my spouse's income?
3 real searches · 1 real-search pass
Wells Fargo mortgage refinance debt to income ratio spouse income co-borrower requirements 2026Google ↗
OBSERVED
Fannie Mae maximum debt-to-income ratio 45 50 percent DU spouse co-borrower income refinanceGoogle ↗
OBSERVED
CFPB debt to income 43 percent qualified mortgage rule current 2026Google ↗
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 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
Wells Fargo mortgage refinance debt to income ratio spouse income co-borrower requirements 2026 Google ↗
Fannie Mae maximum debt-to-income ratio 45 50 percent DU spouse co-borrower income refinance Google ↗
CFPB debt to income 43 percent qualified mortgage rule current 2026 Google ↗
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
- § 1026.43 Minimum standards for transactions secured by a dwelling. · consumerfinance.gov
- DTI: Explaining debt-to-income ratio and why it matters · wellsfargo.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Wells Fargo mortgage refinance debt to income ratio spouse income co-borrower requirements 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Fannie Mae maximum debt-to-income ratio 45 50 percent DU spouse co-borrower income refinance OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB debt to income 43 percent qualified mortgage rule current 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |