What underwriting guidelines apply when calculating back-end debt-to-income ratios using bonus income and commission structures for a conventional mortgage
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The searches the AI actually ran for this prompt.
SEED QUERY
What underwriting guidelines apply when calculating back-end debt-to-income ratios using bonus income and commission structures for a conventional mortgage
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
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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 Selling Guide bonus commission income variable income calculation two year history 2026 Google ↗
Freddie Mac Seller Servicer Guide bonus commission income stable predictable 2 years calculation Google ↗
- Standards for Employment-Related Income · selling-guide.fanniemae.com
- Bonus, Commission, Overtime, and Tip Income · selling-guide.fanniemae.com
- Freddie Mac Single-Family Seller/Servicer Guide PDF · guide.freddiemac.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae Selling Guide bonus commission income variable income calculation two year history 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac Seller Servicer Guide bonus commission income stable predictable 2 years calculation OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |