What are the pros and cons of paying discount points to lower my mortgage interest rate given the current yield curve and my expected timeline in the home?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the pros and cons of paying discount points to lower my mortgage interest rate given the current yield curve and my expected timeline in the home?
1 real search · 1 real-search pass
October 31 2026 Treasury yield curve daily treasury par yield curve 2-year 5-year 10-year 30-year latest mortgage rates discount points MBS spreadsGoogle ↗
OBSERVEDShort fact
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)
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
October 31 2026 Treasury yield curve daily treasury par yield curve 2-year 5-year 10-year 30-year latest mortgage rates discount points MBS spreads Google ↗
- Daily Treasury Rates · home.treasury.gov
- Treasury Yields Today: 10-Year 4.94%, 2-Year 4.56% | Yield Curve · theovernightrate.com
- US yield surge triggers mortgage hedging, adds to bond market pressure · reuters.com
- How should I use lender credits and points (also called discount points)? · consumerfinance.gov