Should I lock in a fixed mortgage rate today or gamble on an adjustable rate if I plan to move in five years?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Should I lock in a fixed mortgage rate today or gamble on an adjustable rate if I plan to move in five years?
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
October 31 2026 current average 30-year fixed mortgage rate 5/1 ARM rate United States Google ↗
CFPB adjustable rate mortgage rate caps index margin initial fixed period consumer guide Google ↗
- Current ARM Loan Rates · bankrate.com
- Mortgage Rates · freddiemac.com
- If I am considering an adjustable-rate mortgage (ARM), what should I look out for in the fine print? · consumerfinance.gov
- For an adjustable-rate mortgage (ARM), what are the index and margin, and how do they work? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
October 31 2026 current average 30-year fixed mortgage rate 5/1 ARM rate United States OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
CFPB adjustable rate mortgage rate caps index margin initial fixed period consumer guide OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |