By the end of this guide, you'll use ChatGPT to quickly compare whether a borrower qualifies under FHA, conventional, VA, or USDA guidelines — and identify which program gives them the best shot at approval. This is especially useful when a file initially declined on one program and you need to know if another fits.

• ChatGPT account (free tier at chatgpt.com works)
• The borrower's key qualifying data: credit score, DTI, down payment available, property type
• Time needed: 5 minutes per scenario
• Cost: Free