My daughter wants me to co-sign her undergraduate student loan, but I am worried about debt-to-income ratios affecting our upcoming mortgage refinancing; how do private lenders weigh co-signed debt?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
My daughter wants me to co-sign her undergraduate student loan, but I am worried about debt-to-income ratios affecting our upcoming mortgage refinancing; how do private lenders weigh co-signed debt?
3 real searches · 1 real-search pass
Fannie Mae Selling Guide debts paid by others student loan co-signed 12 months mortgage DTI 2026Google ↗
OBSERVEDOther / navigational
Freddie Mac Guide monthly debt paid by others student loan co-signed 12 months DTIGoogle ↗
OBSERVEDReason
HUD FHA handbook debt paid by others co-signed student loan 12 months mortgageGoogle ↗
OBSERVEDOther / navigational
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 debts paid by others student loan co-signed 12 months mortgage DTI 2026 Google ↗
Freddie Mac Guide monthly debt paid by others student loan co-signed 12 months DTI Google ↗
HUD FHA handbook debt paid by others co-signed student loan 12 months mortgage Google ↗
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
- FAQ: Top Trending Selling FAQs · singlefamily.fanniemae.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Debt-to-Income Ratios · guide-selling.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 debts paid by others student loan co-signed 12 months mortgage DTI 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
Freddie Mac Guide monthly debt paid by others student loan co-signed 12 months DTI OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
HUD FHA handbook debt paid by others co-signed student loan 12 months mortgage OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |