Real ChatGPT answer · index seedxNqxxUAJPH8completeParenting and family · family financesinformational
What financial documents do mortgage lenders look at most closely when a married couple with children applies for their first home loan?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What financial documents do mortgage lenders look at most closely when a married couple with children applies for their first home loan?
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
CFPB mortgage application documents pay stubs W-2 bank statements debt income ratio lenders first time homebuyer Google ↗
Fannie Mae selling guide verification of income assets employment bank statements large deposits debt-to-income ratio Google ↗
- Gather and update your paperwork · consumerfinance.gov
- Submit documents and answer requests from the lender · consumerfinance.gov
- Create a loan application packet · consumerfinance.gov
- Documents you need to apply for a mortgage · yourhome.fanniemae.com
- Completing your loan application · myhome.freddiemac.com
- Fannie Mae Selling Guide March 4, 2026 · singlefamily.fanniemae.com
- Standards for Employment and Income Documentation · selling-guide.fanniemae.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB mortgage application documents pay stubs W-2 bank statements debt income ratio lenders first time homebuyer OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
Fannie Mae selling guide verification of income assets employment bank statements large deposits debt-to-income ratio OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |