Real ChatGPT answer + Gemini simulation · index seedrYE6i7ohLC0completeAI OverviewFinance and banking · mortgagescommercial
Am I going to need a co signer to qualify for a seven hundred thousand dollar jumbo loan with a seventy percent loan to value ratio today?
ChatGPTgpt-6Geminigemini-3.5-flash-lite3 passes + 1 real-search36 queries10/30/2026
Download run
Gemini unique queries
35
1 in ≥ half the passes · stability 34%
ChatGPT real searches predicted
0%
0 of 1 matched the simulation
Fan-out diagram
Seed → topic clusters → sub-queries, per model.
SEED QUERY
Am I going to need a co signer to qualify for a seven hundred thousand dollar jumbo loan with a seventy percent loan to value ratio today?
35 unique queries · 3 passes
jumbo loan cash reserves
1 query · 2 hits
jumbo loan requirements 70 ltv2xGoogle ↗
REFORMULATION
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 (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence. 35 queries are still being classified.
What the models actually searched
Each model answered the query with its own web search. These are the searches it ran, matched to the closest simulated query.
ChatGPT1 real searches · gpt-60% predicted
2026 jumbo mortgage loan limits conforming limit 2026 FHFA Los Angeles County and jumbo mortgage co borrower cosigner qualification requirements Google ↗
- FHFA Conforming Loan Limits · fhfa.gov
- Loan Limits · singlefamily.fanniemae.com
Semantic map
Every query placed by meaning (EmbeddingGemma 2, 256-d). Shaded regions are topics, nearby points are near-paraphrases, and a circle's size is how often the query came back.
Colour
SimulatedReal search
Hover a query to see its counterpart · click a topic to focus it · zoom with Ctrl/⌘ + scroll, a pinch, double-click or +
Queries
35 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
jumbo loan requirements 70 ltv REFORMULATION | Google ↗ AI Mode ↗ | The user wants to find the standard credit and income requirements for a jumbo mortgage with a 70% loan-to-value ratio. | — | buyers_guide | jumbo loan cash reserves | 2x of 3 | |
do i need a cosigner for a 700k jumbo loan with 30 down REFORMULATION | Google ↗ AI Mode ↗ | Determine if a co-signer is required given a specific loan amount and a 30 percent down payment. | — | web_article | salary and down payment requirements | 1x of 3 | |
jumbo loan requirements 70 percent ltv REFORMULATION | Google ↗ AI Mode ↗ | Understand the baseline credit, income, and reserve requirements for a jumbo loan with a 30% down payment. | — | web_article | jumbo loan cash reserves | 1x of 3 | |
do you need a cosigner for a 700000 jumbo loan REFORMULATION | Google ↗ AI Mode ↗ | The user wants a direct answer regarding whether a $700k jumbo loan specifically demands a cosigner. | — | faq_page | salary and down payment requirements | 1x of 3 | |
do i need a cosigner for a jumbo mortgage REFORMULATION | Google ↗ AI Mode ↗ | Determine whether lenders generally require co-signers for jumbo loans when income or assets are borderline. | — | faq_page | cosigner requirements for jumbo loans | 1x of 3 | |
how to qualify for a jumbo mortgage without a cosigner IMPLICIT | Google ↗ AI Mode ↗ | The user wants to know what financial metrics (income, credit score, assets) are needed to qualify for a jumbo loan independently. | — | how_to_steps | qualifying without a cosigner | 1x of 3 | |
minimum credit score for 700000 jumbo mortgage RELATED | Google ↗ AI Mode ↗ | Discover what credit score is needed to qualify for a seven hundred thousand dollar jumbo loan without a co-signer. | — | buyers_guide | credit score and income thresholds | 1x of 3 | |
jumbo loan debt to income ratio limits RELATED | Google ↗ AI Mode ↗ | Find out the maximum DTI limits allowed by lenders for jumbo financing. | — | glossary/definition | debt to income underwriting guidelines | 1x of 3 | |
jumbo loan debt to income ratio limits 2026 RELATED | Google ↗ AI Mode ↗ | The user wants to know the maximum DTI limits currently enforced by lenders for jumbo loans. | — | web_article | debt to income underwriting guidelines | 1x of 3 | |
debt to income ratio limit for jumbo loans RELATED | Google ↗ AI Mode ↗ | Learn the maximum allowable DTI ratio for securing a jumbo loan in today's market. | — | glossary/definition | debt to income underwriting guidelines | 1x of 3 | |
current jumbo loan interest rates today RELATED | Google ↗ AI Mode ↗ | Check the prevailing daily interest rates for jumbo mortgages. | — | pricing_page | current jumbo interest rates | 1x of 3 | |
jumbo loan interest rates vs conforming loan rates today COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to compare current jumbo mortgage rates against standard conforming loan rates. | — | comparison_table | current jumbo interest rates | 1x of 3 | |
how to qualify for a jumbo loan without a cosigner IMPLICIT | Google ↗ AI Mode ↗ | Find actionable steps or financial criteria to meet jumbo mortgage standards independently. | — | how_to_steps | qualifying without a cosigner | 1x of 3 | |
qualify for 700k mortgage salary requirements IMPLICIT | Google ↗ AI Mode ↗ | Calculate the approximate annual income needed to qualify for a $700,000 home loan. | — | calculator/tool | credit score and income thresholds | 1x of 3 | |
minimum credit score for 700k jumbo loan ENTITY EXPANSION | Google ↗ AI Mode ↗ | The user wants to find the exact minimum credit score threshold lenders require for a $700,000 jumbo mortgage. | — | glossary/definition | credit score and income thresholds | 1x of 3 | |
current jumbo mortgage interest rates today IMPLICIT | Google ↗ AI Mode ↗ | Check current market rates for jumbo loans to understand monthly payment feasibility. | — | pricing_page | current jumbo interest rates | 1x of 3 | |
how to qualify for a jumbo loan with average credit IMPLICIT | Google ↗ AI Mode ↗ | Discover strategies to secure a jumbo loan if credit scores are not exceptional. | — | how_to_steps | qualifying without a cosigner | 1x of 3 | |
if my income is low can I use a co-signer for a mortgage PERSONALIZED | Google ↗ AI Mode ↗ | The user wants to understand the mechanics of using a cosigner to compensate for lower personal income. | — | forum/qna | cosigner requirements for jumbo loans | 1x of 3 | |
jumbo loan vs conventional loan qualification requirements COMPARATIVE | Google ↗ AI Mode ↗ | Compare how much stricter jumbo loans are compared to conforming conventional loans. | — | comparison_table | qualifying without a cosigner | 1x of 3 | |
jumbo loan vs conventional loan qualification differences COMPARATIVE | Google ↗ AI Mode ↗ | Compare the strictness of underwriting between standard conforming loans and jumbo loans. | — | comparison_table | qualifying without a cosigner | 1x of 3 | |
jumbo loan cash reserve requirements RELATED | Google ↗ AI Mode ↗ | The user wants to know how much liquid asset reserve lenders demand after closing on a jumbo mortgage. | — | web_article | jumbo loan cash reserves | 1x of 3 | |
joint application vs cosigner for jumbo mortgage COMPARATIVE | Google ↗ AI Mode ↗ | Understand the difference between adding a co-borrower versus a co-signer on a high-balance mortgage. | — | web_article | cosigner requirements for jumbo loans | 1x of 3 | |
pledged asset mortgage vs cosigner for jumbo loan COMPARATIVE | Google ↗ AI Mode ↗ | Evaluate alternative ways to boost loan approval chances without adding a traditional co-signer. | — | buyers_guide | cosigner requirements for jumbo loans | 1x of 3 | |
loan to value ratio impact on jumbo mortgage underwriting RELATED | Google ↗ AI Mode ↗ | The user wants to understand how a 70% LTV specifically alters the strictness of jumbo loan underwriting guidelines. | — | pdf_whitepaper | current jumbo interest rates | 1x of 3 | |
non conforming mortgage underwriting guidelines ENTITY EXPANSION | Google ↗ AI Mode ↗ | Review formal underwriting manuals or institutional guidelines for jumbo non-conforming loans. | — | pdf_whitepaper | cosigner requirements for jumbo loans | 1x of 3 | |
non conforming jumbo mortgage lender requirements ENTITY EXPANSION | Google ↗ AI Mode ↗ | Identify specific institutional lenders or portfolio lenders that offer flexible jumbo financing. | — | product_spec_sheet | cosigner requirements for jumbo loans | 1x of 3 | |
jumbo mortgage calculator with income and debt inputs RELATED | Google ↗ AI Mode ↗ | The user wants to use a tool to calculate their personal borrowing power for a jumbo loan. | — | calculator/tool | current jumbo interest rates | 1x of 3 | |
jumbo loan reserve requirements 700k ENTITY EXPANSION | Google ↗ AI Mode ↗ | Determine how many months of cash reserves lenders demand for a 700k mortgage. | — | product_spec_sheet | jumbo loan cash reserves | 1x of 3 | |
jumbo loan reserve requirements 700000 ENTITY EXPANSION | Google ↗ AI Mode ↗ | Check how many months of cash reserves must be held in accounts after down payment for a $700k loan. | — | checklist | jumbo loan cash reserves | 1x of 3 | |
conforming loan limit vs jumbo loan limit current year COMPARATIVE | Google ↗ AI Mode ↗ | The user wants to verify that a $700,000 loan amount actually falls into the jumbo loan category. | — | product_spec_sheet | debt to income underwriting guidelines | 1x of 3 | |
what salary do i need for a 700k mortgage with 30 percent down PERSONALIZED | Google ↗ AI Mode ↗ | Calculate the required income level to safely afford a 700,000 dollar loan amount. | — | calculator/tool | salary and down payment requirements | 1x of 3 | |
i was denied a jumbo loan what are my options PERSONALIZED | Google ↗ AI Mode ↗ | Find solutions and next steps when failing to meet initial jumbo loan approval thresholds. | — | forum/qna | qualifying without a cosigner | 1x of 3 | |
self employed jumbo loan income verification rules PERSONALIZED | Google ↗ AI Mode ↗ | Learn how self-employment income is audited for jumbo loan qualification. | — | pdf_whitepaper | debt to income underwriting guidelines | 1x of 3 | |
jumbo loan underwriting guidelines post pandemic RELATED | Google ↗ AI Mode ↗ | The user wants to know current general market stringency for high-balance mortgage approvals. | — | web_article | debt to income underwriting guidelines | 1x of 3 | |
can parents cosign a jumbo loan PERSONALIZED | Google ↗ AI Mode ↗ | Explore common scenarios involving family members acting as co-signers for large home purchases. | — | forum/qna | cosigner requirements for jumbo loans | 1x of 3 |
Passes
Does another pass still surface new queries? A flattening curve means the fan-out has stabilised.
Geminix = pass, y = cumulative unique queries
| Model | Pass | Target | Generated | Seconds | Tokens (in / out) | Notes |
|---|---|---|---|---|---|---|
| gemini-3.5-flash-lite | 1 | 12 | 12 | — | 929 / 1,565 | |
| gemini-3.5-flash-lite | 2 | 12 | 12 | — | 929 / 1,579 | |
| gemini-3.5-flash-lite | 3 | 12 | 12 | — | 929 / 1,533 |