Interest rates dropped slightly this morning and I am seriously considering refinancing my current mortgage today, so can you break down the typical closing costs I should expect to pay upfront versus rolling them into the new loan?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Interest rates dropped slightly this morning and I am seriously considering refinancing my current mortgage today, so can you break down the typical closing costs I should expect to pay upfront versus rolling them into the new loan?
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
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
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
2026 mortgage refinance closing costs typical fees CFPB Loan Estimate refinance prepaid escrow costs Google ↗
CFPB refinance mortgage closing costs rolling costs into loan no closing cost refinance Google ↗
- Is there such a thing as a no-cost or no-closing cost loan or refinancing? · consumerfinance.gov
- Closing disclosure explainer · consumerfinance.gov
- Understanding the costs of refinancing · myhome.freddiemac.com
- Planning to refinance · myhome.freddiemac.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 mortgage refinance closing costs typical fees CFPB Loan Estimate refinance prepaid escrow costs OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB refinance mortgage closing costs rolling costs into loan no closing cost refinance OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |