How is overtime pay and bonus income calculated into the debt to income ratio by mortgage underwriters when both parents work hourly jobs?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How is overtime pay and bonus income calculated into the debt to income ratio by mortgage underwriters when both parents work hourly jobs?
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 overtime bonus income calculation two year history declining income 2026 Google ↗
Freddie Mac Guide overtime bonus income stable history average 2026 Google ↗
- Bonus, Commission, Overtime, and Tip Income · selling-guide.fanniemae.com
- Base Income · selling-guide.fanniemae.com
- Selling Guide_4.22.2026 · singlefamily.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 overtime bonus income calculation two year history declining income 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Freddie Mac Guide overtime bonus income stable history average 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |