How do I calculate my own front-end and back-end debt-to-income ratios before talking to a loan officer about buying a house?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do I calculate my own front-end and back-end debt-to-income ratios before talking to a loan officer about buying a house?
1 real search · 1 real-search pass
CFPB debt-to-income ratio mortgage front-end back-end gross monthly income housing expenses mortgage lender guidelinesGoogle ↗
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 (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.
Searches and sources
ChatGPT1 real searches · gpt-6
CFPB debt-to-income ratio mortgage front-end back-end gross monthly income housing expenses mortgage lender guidelines Google ↗
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Know your homebuying ratios · virginiahousing.com
- § 1026.43 Minimum standards for transactions secured by a dwelling. · consumerfinance.gov