What is the maximum debt-to-income ratio allowed for conventional loans right now, and how does student loan debt factor into that calculation for parents?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the maximum debt-to-income ratio allowed for conventional loans right now, and how does student loan debt factor into that calculation for parents?
3 real searches · 1 real-search pass
2026 conventional mortgage maximum debt-to-income ratio Fannie Mae 50% Freddie Mac 50% student loan payment parent co-signed guidelinesGoogle ↗
OBSERVED
site:selling-guide.fanniemae.com student loan debt monthly payment deferred 1% outstanding balance parent obligatedGoogle ↗
OBSERVED
site:guide.freddiemac.com student loan payment deferred 0.5% outstanding balance debt-to-income parentGoogle ↗
OBSERVED
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 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
2026 conventional mortgage maximum debt-to-income ratio Fannie Mae 50% Freddie Mac 50% student loan payment parent co-signed guidelines Google ↗
site:selling-guide.fanniemae.com student loan debt monthly payment deferred 1% outstanding balance parent obligated Google ↗
site:guide.freddiemac.com student loan payment deferred 0.5% outstanding balance debt-to-income parent Google ↗
- Monthly Debt Obligations · guide-selling.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 conventional mortgage maximum debt-to-income ratio Fannie Mae 50% Freddie Mac 50% student loan payment parent co-signed guidelines OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
site:selling-guide.fanniemae.com student loan debt monthly payment deferred 1% outstanding balance parent obligated OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
site:guide.freddiemac.com student loan payment deferred 0.5% outstanding balance debt-to-income parent OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |