Real ChatGPT answer + Gemini simulation · index seedf4xm3iPP9MYcompleteAI OverviewFinance and banking · mortgageslocal
How are my social security benefits and IRA withdrawals calculated into my qualifying income by mortgage lenders in Maryland
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search38 queries10/30/2026
Download run
Gemini unique queries
35
1 in ≥ half the passes · stability 34%
ChatGPT real searches predicted
0%
0 of 3 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
How are my social security benefits and IRA withdrawals calculated into my qualifying income by mortgage lenders in Maryland
35 unique queries · 3 passes
fannie mae and freddie mac guidelines
1 query · 2 hits
fannie mae guidelines retirement income calculation social security ira2xGoogle ↗
RELATED
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. 35 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT3 real searches · gpt-60% predicted
Fannie Mae Selling Guide Social Security income gross up non taxable income IRA distributions retirement income continuance requirements Google ↗
Freddie Mac Guide Social Security benefits gross up retirement account distributions qualifying income mortgage Google ↗
FHA handbook Social Security income IRA distributions mortgage qualifying income gross up Google ↗
- Social Security Income · selling-guide.fanniemae.com
- General Income Information · selling-guide.fanniemae.com
- Annuity, Pension, or Retirement Income · guide-selling.fanniemae.com
- guide.freddiemac.com · guide.freddiemac.com
- FHA Single Family Housing Policy Handbook · hud.gov
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
35 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
fannie mae guidelines retirement income calculation social security ira RELATED | Google ↗ AI Mode ↗ | Find official Fannie Mae selling guide rules regarding retirement and social security income calculation. | — | pdf_whitepaper | fannie mae and freddie mac guidelines | 2x of 3 | |
how do mortgage lenders calculate qualifying income from social security and iras REFORMULATION | Google ↗ AI Mode ↗ | Understand the general formula mortgage lenders use to include social security and IRA distributions as qualifying income. | — | web_article | calculating and grossing up social secu… | 1x of 3 | |
how do mortgage lenders calculate social security income for qualifying REFORMULATION | Google ↗ AI Mode ↗ | Find out the standard percentage or gross-up rules lenders use for Social Security income. | — | web_article | calculating and grossing up social secu… | 1x of 3 | |
how do mortgage lenders calculate social security income for a mortgage REFORMULATION | Google ↗ AI Mode ↗ | Understand the standard underwriting rules used to convert gross social security benefit amounts into qualifying monthly income. | — | web_article | calculating and grossing up social secu… | 1x of 3 | |
qualifying income ira distributions mortgage underwriting rules REFORMULATION | Google ↗ AI Mode ↗ | Find out how regular or lump-sum IRA withdrawals are treated as recurring income for mortgage qualification. | — | web_article | fha loan and continuance requirements | 1x of 3 | |
qualifying for a mortgage using ira withdrawals as income REFORMULATION | Google ↗ AI Mode ↗ | Understand how regular IRA distributions are evaluated as stable monthly income by lenders. | — | web_article | fha loan and continuance requirements | 1x of 3 | |
does maryland have special mortgage underwriting rules for retirement income RELATED | Google ↗ AI Mode ↗ | Determine if state-level regulations or Maryland-specific mortgage programs alter standard federal retirement income rules. | — | pdf_whitepaper | maryland specific mortgage underwriting… | 1x of 3 | |
can mortgage lenders gross up social security income IMPLICIT | Google ↗ AI Mode ↗ | Determine whether non-taxable social security income can be increased by a percentage for qualifying income. | — | faq_page | calculating and grossing up social secu… | 1x of 3 | |
gross vs net income calculation for mortgage qualifying retirement funds COMPARATIVE | Google ↗ AI Mode ↗ | Compare how gross versus net income figures impact total qualifying income from retirement sources. | — | comparison_table | asset depletion versus distribution met… | 1x of 3 | |
maryland mortgage lender requirements for qualifying income RELATED | Google ↗ AI Mode ↗ | Determine if Maryland has specific state-level mortgage qualifying income rules distinct from federal guidelines. | — | web_article | fixed income mortgage qualification req… | 1x of 3 | |
grossing up social security income for mortgage calculator IMPLICIT | Google ↗ AI Mode ↗ | Find a tool or formula to apply the nontaxable income adjustment (grossing up) to social security benefits. | — | calculator/tool | calculating and grossing up social secu… | 1x of 3 | |
do lenders gross up non taxable social security income for mortgage IMPLICIT | Google ↗ AI Mode ↗ | Find out if tax-free portions of Social Security benefits can be multiplied by 125% for qualifying income. | — | faq_page | calculating and grossing up social secu… | 1x of 3 | |
maryland mortgage income documentation requirements retirement accounts ENTITY EXPANSION | Google ↗ AI Mode ↗ | Identify the specific documents required to prove social security and IRA income to a Maryland mortgage lender. | — | checklist | maryland specific mortgage underwriting… | 1x of 3 | |
fannie mae vs freddie mac retirement income asset depletion guidelines COMPARATIVE | Google ↗ AI Mode ↗ | Compare how major conventional loan agencies view and calculate IRA and retirement asset withdrawals. | — | comparison_table | fannie mae and freddie mac guidelines | 1x of 3 | |
asset depletion vs retirement distribution qualifying income mortgage COMPARATIVE | Google ↗ AI Mode ↗ | Understand the difference between using actual IRA withdrawals versus total asset depletion formulas for a home loan. | — | faq_page | asset depletion versus distribution met… | 1x of 3 | |
how to qualify for a mortgage using only retirement income and social security PERSONALIZED | Google ↗ AI Mode ↗ | Learn the feasibility and rules of securing a mortgage when retired with no active W-2 employment income. | — | how_to_steps | qualifying using only retirement income | 1x of 3 | |
asset depletion vs retirement distribution mortgage income calculation COMPARATIVE | Google ↗ AI Mode ↗ | Compare how drawing fixed IRA amounts versus depleting total IRA assets affects qualifying mortgage income. | — | comparison_table | asset depletion versus distribution met… | 1x of 3 | |
retirement accounts considered qualifying income for home loan ENTITY EXPANSION | Google ↗ AI Mode ↗ | Identify all types of retirement accounts (401k, pension, IRA) that lenders accept for income calculation. | — | web_article | qualifying using only retirement income | 1x of 3 | |
ira withdrawal asset depletion method mortgage underwriting RELATED | Google ↗ AI Mode ↗ | Understand how the asset depletion method converts IRA balances into monthly qualifying income. | — | glossary/definition | asset depletion versus distribution met… | 1x of 3 | |
pension annuity and social security mortgage income calculation rules ENTITY EXPANSION | Google ↗ AI Mode ↗ | Learn how other common retirement income streams are calculated alongside social security and IRAs. | — | web_article | calculating and grossing up social secu… | 1x of 3 | |
documents needed to prove social security and ira income for mortgage PERSONALIZED | Google ↗ AI Mode ↗ | Know what paperwork (award letters, 1099s, statements) to gather for income verification. | — | checklist | fha loan and continuance requirements | 1x of 3 | |
do maryland state laws affect mortgage underwriting guidelines for retirement income REFORMULATION | Google ↗ AI Mode ↗ | Check if Maryland has any state-specific mortgage underwriting overlays regarding retirement income. | — | web_article | maryland specific mortgage underwriting… | 1x of 3 | |
how to calculate monthly qualifying income from retirement accounts for home loan PERSONALIZED | Google ↗ AI Mode ↗ | Find a step-by-step method to compute my own prospective qualifying income from retirement portfolios. | — | calculator/tool | qualifying using only retirement income | 1x of 3 | |
how many years must retirement income continue for mortgage RELATED | Google ↗ AI Mode ↗ | Check the stability and duration requirements lenders enforce regarding social security and IRA continuity. | — | glossary/definition | fha loan and continuance requirements | 1x of 3 | |
retirement income calculator for mortgage qualification IMPLICIT | Google ↗ AI Mode ↗ | Calculate estimated monthly qualifying income based on specific social security and IRA balances. | — | calculator/tool | qualifying using only retirement income | 1x of 3 | |
documenting retirement income for mortgage approval checklist ENTITY EXPANSION | Google ↗ AI Mode ↗ | Find out what documents (tax returns, 1099s, award letters) are needed to prove retirement income. | — | checklist | qualifying using only retirement income | 1x of 3 | |
maryland mortgage loan officer retirement income expert RELATED | Google ↗ AI Mode ↗ | Find professionals or resources specialized in handling retirement-heavy income portfolios in Maryland. | — | map/local_pack | maryland specific mortgage underwriting… | 1x of 3 | |
fixed income mortgage qualification requirements 2024 RELATED | Google ↗ AI Mode ↗ | Find the latest updates to mortgage rules for borrowers relying on fixed social security and pension incomes. | — | review_roundup | fixed income mortgage qualification req… | 1x of 3 | |
fha vs conventional loan retirement income stability requirements COMPARATIVE | Google ↗ AI Mode ↗ | Compare how FHA and conventional mortgage programs evaluate the required continuation period for retirement income. | — | comparison_table | fannie mae and freddie mac guidelines | 1x of 3 | |
3 year continuance rule retirement income mortgage underwriting IMPLICIT | Google ↗ AI Mode ↗ | Understand the lender rule requiring retirement income to continue for at least three years from the mortgage date. | — | glossary/definition | fha loan and continuance requirements | 1x of 3 | |
how many years must ira distributions continue for mortgage qualifying IMPLICIT | Google ↗ AI Mode ↗ | Learn the continuity of income rule requiring retirement withdrawals to last for a set number of years. | — | faq_page | fha loan and continuance requirements | 1x of 3 | |
minimum distribution ira mortgage qualifying income REFORMULATION | Google ↗ AI Mode ↗ | Learn how required minimum distributions (RMDs) from traditional IRAs affect mortgage debt-to-income ratios. | — | web_article | fha loan and continuance requirements | 1x of 3 | |
can I use my pension social security and ira together for mortgage IMPLICIT | Google ↗ AI Mode ↗ | Confirm if multiple streams of retirement income can be stacked to meet the qualifying income threshold. | — | forum/qna | fha loan and continuance requirements | 1x of 3 | |
conventional loan vs fha loan retirement income qualification rules COMPARATIVE | Google ↗ AI Mode ↗ | Compare how conventional and FHA loans differ in their treatment of social security and IRA qualifying income. | — | comparison_table | fannie mae and freddie mac guidelines | 1x of 3 | |
mortgage underwriting guidelines for fixed income borrowers REFORMULATION | Google ↗ AI Mode ↗ | Review general lending policies and challenges for borrowers relying entirely on fixed or retirement income. | — | web_article | fixed income mortgage qualification req… | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 12 | 12 | — | 913 / 1,567 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 913 / 1,550 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 913 / 1,530 |