Real ChatGPT answer · index seedYwi9xHGiQC8completeFinance and banking · credit scores and repaircommercial
How do lenders view a recent bankruptcy discharge when evaluating an FHA mortgage application versus a conventional loan program?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders view a recent bankruptcy discharge when evaluating an FHA mortgage application versus a conventional loan program?
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
FHA mortgage bankruptcy waiting period Chapter 7 Chapter 13 HUD Handbook 4000.1 discharge official Google ↗
Fannie Mae Selling Guide bankruptcy waiting period Chapter 7 Chapter 13 discharge dismissal official Google ↗
- FHA Single Family Housing Policy Handbook · hud.gov
- Credit Requirements, FHA Handbook 4000.1 II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 5. Manual Underwriting of the Borrower · claudeforcompliance.com
- Significant Derogatory Credit Events — Waiting Periods and Re-establishing Credit · selling-guide.fanniemae.com
- Fannie Mae Selling Guide March 4, 2026 · singlefamily.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FHA mortgage bankruptcy waiting period Chapter 7 Chapter 13 HUD Handbook 4000.1 discharge official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Fannie Mae Selling Guide bankruptcy waiting period Chapter 7 Chapter 13 discharge dismissal official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |