What exact triggers cause a mortgage rate lock to expire prematurely, and what are the steps to reinstate it without incurring penalty fees?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What exact triggers cause a mortgage rate lock to expire prematurely, and what are the steps to reinstate it without incurring penalty fees?
3 real searches · 1 real-search pass
mortgage rate lock expiration triggers extension reinstatement lender delay CFPB rate lock agreementGoogle ↗
OBSERVEDConsequence
Fannie Mae mortgage rate lock expiration extension relock policies lender lock expirationGoogle ↗
OBSERVEDConsequence
Freddie Mac mortgage rate lock expiration extension relock policiesGoogle ↗
OBSERVEDConsequence
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
mortgage rate lock expiration triggers extension reinstatement lender delay CFPB rate lock agreement Google ↗
Fannie Mae mortgage rate lock expiration extension relock policies lender lock expiration Google ↗
Freddie Mac mortgage rate lock expiration extension relock policies Google ↗
- What's a lock-in or a rate lock on a mortgage? · consumerfinance.gov
- What do I do if the rate or fees are different on my Closing Disclosure than they were on my Loan Estimate? · consumerfinance.gov
- CFPB Supervision and Examination Manual · files.consumerfinance.gov
- § 1026.19 Certain mortgage and variable-rate transactions. · consumerfinance.gov
- 37(a)(13) Rate lock. · files.consumerfinance.gov
- Consumer Financial Protection Bureau · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
mortgage rate lock expiration triggers extension reinstatement lender delay CFPB rate lock agreement OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Fannie Mae mortgage rate lock expiration extension relock policies lender lock expiration OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Freddie Mac mortgage rate lock expiration extension relock policies OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |