What income sources do mortgage lenders actually count when calculating debt to income ratios during final underwriting right before closing day?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What income sources do mortgage lenders actually count when calculating debt to income ratios during final underwriting right before closing day?
3 real searches · 1 real-search pass
Fannie Mae Selling Guide qualifying income employment bonus overtime commission rental retirement social security income requirements DTIGoogle ↗
OBSERVEDReason
Freddie Mac Seller Servicer Guide stable monthly income qualifying income overtime bonus self employment rental incomeGoogle ↗
OBSERVEDReason
FHA handbook effective income income sources overtime bonus social security retirement child support alimonyGoogle ↗
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 qualifying income employment bonus overtime commission rental retirement social security income requirements DTI Google ↗
Freddie Mac Seller Servicer Guide stable monthly income qualifying income overtime bonus self employment rental income Google ↗
FHA handbook effective income income sources overtime bonus social security retirement child support alimony Google ↗
- Bonus, Commission, Overtime, and Tip Income · guide-selling.fanniemae.com
- Standards for Employment-Related Income · selling-guide.fanniemae.com
- Standards for Employment and Income Documentation · selling-guide.fanniemae.com
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
- DU Validation Service Frequently Asked Questions · singlefamily.fanniemae.com
- General Income Information · selling-guide.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae Selling Guide qualifying income employment bonus overtime commission rental retirement social security income requirements DTI OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac Seller Servicer Guide stable monthly income qualifying income overtime bonus self employment rental income OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FHA handbook effective income income sources overtime bonus social security retirement child support alimony OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |