What are the exact debt-to-income ratio caps for an FHA loan with a credit score under six hundred twenty, and what compensating factors do underwriters look for?
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The searches the AI actually ran for this prompt.
SEED QUERY
What are the exact debt-to-income ratio caps for an FHA loan with a credit score under six hundred twenty, and what compensating factors do underwriters look for?
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.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
HUD FHA Single Family Housing Policy Handbook 4000.1 manual underwriting ratios compensating factors credit score below 620 31 43 2026 Google ↗
FHA TOTAL Scorecard debt to income ratios 620 credit score compensating factors manual underwriting 37 47 40 50 HUD Google ↗
- FHA Single Family Housing Policy Handbook · hud.gov
- FHA Single Family Housing Policy Handbook · glb.hud.gov
- FHA Single Family Housing Policy Handbook · hud.gov
- Final Underwriting Decision, 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
- FHA TOTAL | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
- FHA TOTAL | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
- HUD FHA Handbook 4000.1 · hud.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
HUD FHA Single Family Housing Policy Handbook 4000.1 manual underwriting ratios compensating factors credit score below 620 31 43 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Instruction | — | — | 1x of 1 | |
FHA TOTAL Scorecard debt to income ratios 620 credit score compensating factors manual underwriting 37 47 40 50 HUD OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |