How do lenders calculate our debt-to-income ratio for a refinance if one parent recently returned to the workforce after staying home with the toddlers?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate our debt-to-income ratio for a refinance if one parent recently returned to the workforce after staying home with the toddlers?
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
Fannie Mae selling guide employment income recent return to work employment gap new job income documentation refinance debt to income ratio Google ↗
Freddie Mac guide employment gaps returning to work income documentation new employment mortgage qualifying income Google ↗
- Freddie Mac Single-Family Seller/Servicer Guide PDF · cdn.lhfs.com
- Standards for Employment and Income Documentation · selling-guide.fanniemae.com
- General Income Information · selling-guide.fanniemae.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae selling guide employment income recent return to work employment gap new job income documentation refinance debt to income ratio OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Freddie Mac guide employment gaps returning to work income documentation new employment mortgage qualifying income OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |