Real ChatGPT answer · index seedyG7SmvQVTOIcompleteFinance and banking · mortgagesinformational

Can my bonus income be used to lower my debt to income ratio today even if I have only received it for the past six months at my new job?

ChatGPTgpt-62 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Can my bonus income be used to lower my debt to income ratio today even if I have only received it for the past six months at my new job?
2 real searches · 1 real-search pass
Fannie Mae selling guide bonus income less than two years six months new employer variable income mortgage 2026Google ↗
OBSERVED
Freddie Mac guide bonus income less than two years history mortgage underwritingGoogle ↗
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 2 queries…

Searches and sources

ChatGPT2 real searches · gpt-6
Fannie Mae selling guide bonus income less than two years six months new employer variable income mortgage 2026 Google ↗
Freddie Mac guide bonus income less than two years history mortgage underwriting Google ↗
  1. Bonus, Commission, Overtime, and Tip Income · selling-guide.fanniemae.com
  2. Freddie Mac Single-Family Seller/Servicer Guide PDF · guide.freddiemac.com

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
Fannie Mae selling guide bonus income less than two years six months new employer variable income mortgage 2026
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1
Freddie Mac guide bonus income less than two years history mortgage underwriting
OBSERVED
Google ↗
AI Mode ↗
————1x
of 1