Real ChatGPT answer · index seedBd3QPG4TyvIcompleteFinance and banking · mortgagescomparison

Is a VA IRRRL streamline refinance worth pursuing for my current property or should I look into a cash out refinance with a different lender

ChatGPTgpt-62 queries10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Is a VA IRRRL streamline refinance worth pursuing for my current property or should I look into a cash out refinance with a different lender
2 real searches · 1 real-search pass
VA IRRRL official requirements net tangible benefit recoupment 36 months VA 2026Google ↗
OBSERVEDConsequence
VA cash-out refinance official VA requirements occupancy loan to value funding fee 2026Google ↗
OBSERVEDComparison

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)
Short factOther / navigationalComparison50%Consequence50%ReasonDefinitionInstructionYes / no

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
VA IRRRL official requirements net tangible benefit recoupment 36 months VA 2026 Google ↗
VA cash-out refinance official VA requirements occupancy loan to value funding fee 2026 Google ↗
  1. VA Funding Fee And Loan Closing Costs · va.gov
  2. Circular 26-19-22 · benefits.va.gov

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
VA IRRRL official requirements net tangible benefit recoupment 36 months VA 2026
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1
VA cash-out refinance official VA requirements occupancy loan to value funding fee 2026
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1