Real ChatGPT answer · index seed0VA8Dlu8uJocompleteFinance and banking · mortgagescommercial

We are trying to decide between a mortgage recast and a refinance since we recently received a large inheritance we want to put toward our principal balance.

ChatGPTgpt-61 query10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
We are trying to decide between a mortgage recast and a refinance since we recently received a large inheritance we want to put toward our principal balance.
1 real search · 1 real-search pass
mortgage recast lender requirements fees refinance closing costs consumer guidance CFPB Fannie MaeGoogle ↗
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 (1)
Short factOther / navigationalComparisonConsequenceReason100%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT1 real searches · gpt-6
mortgage recast lender requirements fees refinance closing costs consumer guidance CFPB Fannie Mae Google ↗

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
mortgage recast lender requirements fees refinance closing costs consumer guidance CFPB Fannie Mae
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1