How do lenders calculate our debt to income ratio when my spouse and I are applying for a conventional mortgage with student loan debt?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate our debt to income ratio when my spouse and I are applying for a conventional mortgage with student loan debt?
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 student loan debt monthly payment DTI conventional mortgage 2026 Google ↗
Freddie Mac Guide student loans debt-to-income ratio monthly payment conventional mortgage Google ↗
- Monthly Debt Obligations · guide-selling.fanniemae.com
- Fannie Mae Selling Guide March 4, 2026 · singlefamily.fanniemae.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Debt-to-Income Ratios · guide-selling.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 student loan debt monthly payment DTI conventional mortgage 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Freddie Mac Guide student loans debt-to-income ratio monthly payment conventional mortgage OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |