Real ChatGPT answer · index seedv5AhGrziG3McompleteFinance and banking · credit scores and repairbrand
How long do I need to wait after a chapter 13 discharge before applying for a traditional mortgage with a low down payment?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How long do I need to wait after a chapter 13 discharge before applying for a traditional mortgage with a low down payment?
2 real searches · 1 real-search pass
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 (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
Fannie Mae conventional mortgage waiting period Chapter 13 discharge 2 years low down payment 2026 Google ↗
Freddie Mac Guide Chapter 13 bankruptcy waiting period discharge conventional mortgage Google ↗
- Significant Derogatory Credit Events — Waiting Periods and Re-establishing Credit · selling-guide.fanniemae.com
- Freddie Mac Single-Family Seller/Servicer Guide PDF · cdn.lhfs.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae conventional mortgage waiting period Chapter 13 discharge 2 years low down payment 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Freddie Mac Guide Chapter 13 bankruptcy waiting period discharge conventional mortgage OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |