Are there any penalty fees if I do a mortgage recast instead of a refinancing my current loan and which one saves me more money given today's interest rates
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are there any penalty fees if I do a mortgage recast instead of a refinancing my current loan and which one saves me more money given today's interest rates
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
United States mortgage refinance rates October 31 2026 current 30 year fixed average Google ↗
mortgage recast fees prepayment penalty conventional loan lender rules CFPB Google ↗
- 30-Year Refinance Rates | Compare rates today · bankrate.com
- Mortgage Rates · freddiemac.com
- Mortgage Rates Today, October 31, 2026: 30-Year Refinance Rate Holds Steady at 7.57% · noradarealestate.com
- What is a prepayment penalty? · consumerfinance.gov
- § 1026.43 Minimum standards for transactions secured by a dwelling. · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
United States mortgage refinance rates October 31 2026 current 30 year fixed average OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
mortgage recast fees prepayment penalty conventional loan lender rules CFPB OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |