How do lenders calculate debt to income ratios for co-signers over sixty because I need to know if helping my grandson with his tuition will affect my own mortgage approval.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate debt to income ratios for co-signers over sixty because I need to know if helping my grandson with his tuition will affect my own mortgage approval.
3 real searches · 1 real-search pass
Fannie Mae Selling Guide co-signed debt student loan payment excluded 12 months mortgage debt-to-income ratioGoogle ↗
OBSERVED
CFPB mortgage debt-to-income ratio co-signed loan student loan mortgageGoogle ↗
OBSERVED
HUD Fair Housing Act age mortgage lending age discrimination ECOA age credit applicantGoogle ↗
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
Fannie Mae Selling Guide co-signed debt student loan payment excluded 12 months mortgage debt-to-income ratio Google ↗
CFPB mortgage debt-to-income ratio co-signed loan student loan mortgage Google ↗
HUD Fair Housing Act age mortgage lending age discrimination ECOA age credit applicant Google ↗
- Monthly Debt Obligations · selling-guide.fanniemae.com
- Monthly Debt Obligations · guide-selling.fanniemae.com
- Is a lender allowed to consider my age or where my income comes from when deciding whether to give me a loan? · consumerfinance.gov
- Can a lender consider your age when deciding whether to give you a mortgage or home equity loan? · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae Selling Guide co-signed debt student loan payment excluded 12 months mortgage debt-to-income ratio OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB mortgage debt-to-income ratio co-signed loan student loan mortgage OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
HUD Fair Housing Act age mortgage lending age discrimination ECOA age credit applicant OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |