Real ChatGPT answer · index seedZFgxl0P9rZkcompleteFinance and banking · credit scores and repairinformational
How do mortgage lenders calculate debt-to-income ratios when evaluating a borrower who recently settled multiple revolving accounts for less than the balance?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do mortgage lenders calculate debt-to-income ratios when evaluating a borrower who recently settled multiple revolving accounts for less than the balance?
3 real searches · 1 real-search pass
Fannie Mae Selling Guide revolving account debt-to-income minimum payment paid off before closing settled account balance less than owed mortgage underwritingGoogle ↗
OBSERVEDReason
Freddie Mac Guide revolving account monthly payment debt-to-income settled for less than balance mortgage underwritingGoogle ↗
OBSERVEDReason
FHA handbook debt-to-income revolving accounts collections charge offs settled accounts monthly paymentGoogle ↗
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)
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 Selling Guide revolving account debt-to-income minimum payment paid off before closing settled account balance less than owed mortgage underwriting Google ↗
Freddie Mac Guide revolving account monthly payment debt-to-income settled for less than balance mortgage underwriting Google ↗
FHA handbook debt-to-income revolving accounts collections charge offs settled accounts monthly payment Google ↗
- Debts Paid Off At or Prior to Closing · selling-guide.fanniemae.com
- Monthly Debt Obligations · selling-guide.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae Selling Guide revolving account debt-to-income minimum payment paid off before closing settled account balance less than owed mortgage underwriting OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac Guide revolving account monthly payment debt-to-income settled for less than balance mortgage underwriting OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FHA handbook debt-to-income revolving accounts collections charge offs settled accounts monthly payment OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |