How many months of emergency savings do mortgage underwriters usually want to see for a borrower with student loans
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How many months of emergency savings do mortgage underwriters usually want to see for a borrower with student loans
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
mortgage underwriting cash reserves months mortgage payments Fannie Mae student loans reserves requirements 2026 Google ↗
Fannie Mae selling guide reserve requirements cash reserves months PITIA student loans Google ↗
- Minimum Reserve Requirements · guide-selling.fanniemae.com
- General Information on DU · selling-guide.fanniemae.com
- Monthly Debt Obligations · selling-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
mortgage underwriting cash reserves months mortgage payments Fannie Mae student loans reserves requirements 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Fannie Mae selling guide reserve requirements cash reserves months PITIA student loans OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |