How do lenders calculate debt-to-income ratios when an applicant has variable employment history due to a recent career transition within the financial industry?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate debt-to-income ratios when an applicant has variable employment history due to a recent career transition within the financial industry?
3 real searches · 1 real-search pass
Fannie Mae selling guide employment income variable income job change history two years bonus commission base salary mortgage underwriting DTIGoogle ↗
OBSERVEDReason
Freddie Mac seller servicer guide employment history income stability career change variable income mortgage underwritingGoogle ↗
OBSERVEDReason
CFPB debt-to-income ratio mortgage what counts monthly debt gross incomeGoogle ↗
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Fannie Mae selling guide employment income variable income job change history two years bonus commission base salary mortgage underwriting DTI Google ↗
Freddie Mac seller servicer guide employment history income stability career change variable income mortgage underwriting Google ↗
CFPB debt-to-income ratio mortgage what counts monthly debt gross income Google ↗
- Standards for Employment-Related Income · selling-guide.fanniemae.com
- VA Pamphlet VAP26-7 Chapter 04 Credit Underwriting · knowva.ebenefits.va.gov
- Base Income · selling-guide.fanniemae.com
- Bonus, Commission, Overtime, and Tip Income · selling-guide.fanniemae.com
- § 1026.43 Minimum standards for transactions secured by a dwelling. · consumerfinance.gov
- § 1026.43 Minimum standards for transactions secured by a dwelling. · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae selling guide employment income variable income job change history two years bonus commission base salary mortgage underwriting DTI OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac seller servicer guide employment history income stability career change variable income mortgage underwriting OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB debt-to-income ratio mortgage what counts monthly debt gross income OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |