Is my social security income taxed when lenders calculate my debt-to-income ratio for a brand new mortgage application in California?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is my social security income taxed when lenders calculate my debt-to-income ratio for a brand new mortgage application in California?
3 real searches · 1 real-search pass
Fannie Mae selling guide Social Security income non taxable gross up debt to income ratio 2026Google ↗
OBSERVEDReason
Freddie Mac guide Social Security benefits gross up non-taxable income mortgage qualifyingGoogle ↗
OBSERVEDReason
FHA handbook Social Security income gross up non taxable income mortgage debt to incomeGoogle ↗
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 Social Security income non taxable gross up debt to income ratio 2026 Google ↗
Freddie Mac guide Social Security benefits gross up non-taxable income mortgage qualifying Google ↗
FHA handbook Social Security income gross up non taxable income mortgage debt to income Google ↗
- Social Security Income · guide-selling.fanniemae.com
- General Income Information · selling-guide.fanniemae.com
- FHA Single Family Housing Policy Handbook · hud.gov
- FHA Single Family Housing Policy Handbook · hud.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae selling guide Social Security income non taxable gross up debt to income ratio 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac guide Social Security benefits gross up non-taxable income mortgage qualifying OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FHA handbook Social Security income gross up non taxable income mortgage debt to income OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |