Real ChatGPT answer · index seedc5kxqNWLls4completeFinance and banking · mortgageshowto

How do I set up a mortgage recast on my current home loan, and what are the exact eligibility rules and fees charged by major banks?

ChatGPTgpt-63 queries10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How do I set up a mortgage recast on my current home loan, and what are the exact eligibility rules and fees charged by major banks?
3 real searches · 1 real-search pass
mortgage recast requirements fees minimum principal payment Chase Bank of America Wells Fargo officialGoogle ↗
OBSERVEDComparison
mortgage recast policy fee minimum lump sum Mr Cooper Rocket Mortgage officialGoogle ↗
OBSERVEDComparison
Fannie Mae mortgage loan re-amortization recast requirements servicing guideGoogle ↗
OBSERVEDInstruction

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)
Short factOther / navigationalComparison67%ConsequenceReasonDefinitionInstruction33%Yes / no

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 recast requirements fees minimum principal payment Chase Bank of America Wells Fargo official Google ↗
mortgage recast policy fee minimum lump sum Mr Cooper Rocket Mortgage official Google ↗
Fannie Mae mortgage loan re-amortization recast requirements servicing guide Google ↗
  1. Loan Delivery Job Aids Recast Loan Overview · singlefamily.fanniemae.com
  2. Processing Additional Principal Payments · guide-servicing.fanniemae.com

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
mortgage recast requirements fees minimum principal payment Chase Bank of America Wells Fargo official
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
mortgage recast policy fee minimum lump sum Mr Cooper Rocket Mortgage official
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1
Fannie Mae mortgage loan re-amortization recast requirements servicing guide
OBSERVED
Google ↗
AI Mode ↗
—Instruction——1x
of 1