Analyze whether executing a mortgage recast makes more sense than a traditional rate-and-term refinance given my current five percent interest rate and twenty-five thousand dollar cash windfall.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Analyze whether executing a mortgage recast makes more sense than a traditional rate-and-term refinance given my current five percent interest rate and twenty-five thousand dollar cash windfall.
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
current average 30 year fixed mortgage refinance rates October 2026 United States Google ↗
mortgage recast requirements fees principal payment refinance break even closing costs consumer guidance 2026 Google ↗
- Mortgage Rates · freddiemac.com
- Mortgage Market Survey Archive · freddiemac.com
- Mortgage, Refinance and Home Equity FAQs from Bank of America · bankofamerica.com
- How to Lower Your Mortgage Payments · chase.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
current average 30 year fixed mortgage refinance rates October 2026 United States OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
mortgage recast requirements fees principal payment refinance break even closing costs consumer guidance 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |