Real ChatGPT answer · index seedUzwPKoEjymocompleteFinance and banking · mortgagesinformational

How does the inclusion of a non-occupant co-signer impact the interest rate pricing adjustments on a conventional primary residence purchase loan?

ChatGPTgpt-63 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How does the inclusion of a non-occupant co-signer impact the interest rate pricing adjustments on a conventional primary residence purchase loan?
3 real searches · 1 real-search pass
Fannie Mae non-occupant borrower loan level price adjustments credit score pricing representative credit scoreGoogle ↗
OBSERVEDComparison
Freddie Mac non-occupant borrower pricing adjustments credit score mortgage primary residenceGoogle ↗
OBSERVEDReason
Fannie Mae Selling Guide non-occupant borrower occupancy primary residence pricing adjustments LLPAsGoogle ↗
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)
Short factOther / navigationalComparison33%ConsequenceReason67%DefinitionInstructionYes / no

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
Fannie Mae non-occupant borrower loan level price adjustments credit score pricing representative credit score Google ↗
Freddie Mac non-occupant borrower pricing adjustments credit score mortgage primary residence Google ↗
Fannie Mae Selling Guide non-occupant borrower occupancy primary residence pricing adjustments LLPAs Google ↗
  1. Determining the Credit Score for a Mortgage Loan · guide-selling.fanniemae.com
  2. Loan Delivery Job Aids: Credit Scores · singlefamily.fanniemae.com
  3. Occupancy Types · guide-selling.fanniemae.com
  4. Guarantors, Co-Signers, or Non-Occupant Borrowers on the Subject Transaction · selling-guide.fanniemae.com

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Fannie Mae non-occupant borrower loan level price adjustments credit score pricing representative credit score
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
Freddie Mac non-occupant borrower pricing adjustments credit score mortgage primary residence
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
Fannie Mae Selling Guide non-occupant borrower occupancy primary residence pricing adjustments LLPAs
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1