Why do many mortgage brokers steer self-employed borrowers away from FHA loans and toward conventional loans, and what are the debt-to-income ratio differences for buying a house?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Why do many mortgage brokers steer self-employed borrowers away from FHA loans and toward conventional loans, and what are the debt-to-income ratio differences for buying a house?
3 real searches · 1 real-search pass
2026 FHA mortgage debt to income ratios 31 43 TOTAL Scorecard HUD handbook self employed income calculationGoogle ↗
OBSERVED
Fannie Mae debt-to-income ratio maximum 50 percent Desktop Underwriter manual underwriting 36 45 2026Google ↗
OBSERVED
Freddie Mac debt-to-income ratio maximum 45 percent 50 percent automated underwriting guideGoogle ↗
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 FHA mortgage debt to income ratios 31 43 TOTAL Scorecard HUD handbook self employed income calculation Google ↗
Fannie Mae debt-to-income ratio maximum 50 percent Desktop Underwriter manual underwriting 36 45 2026 Google ↗
Freddie Mac debt-to-income ratio maximum 45 percent 50 percent automated underwriting guide Google ↗
- FHA Single Family Housing Policy Handbook · hud.gov
- Final Underwriting Decision, FHA Handbook 4000.1 II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT > A. Title II Insured Housing Programs Forward Mortgages > 5. Manual Underwriting of the Borrower · claudeforcompliance.com
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- FHA TOTAL | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 FHA mortgage debt to income ratios 31 43 TOTAL Scorecard HUD handbook self employed income calculation OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Fannie Mae debt-to-income ratio maximum 50 percent Desktop Underwriter manual underwriting 36 45 2026 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Freddie Mac debt-to-income ratio maximum 45 percent 50 percent automated underwriting guide OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |