Is it better to pay discount points upfront to lower my mortgage rate or keep that cash in my emergency fund given today is high interest rate environment?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is it better to pay discount points upfront to lower my mortgage rate or keep that cash in my emergency fund given today is high interest rate environment?
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
United States mortgage rates October 2026 current 30-year fixed average mortgage rate October 2026 Freddie Mac Google ↗
high yield savings account rates October 2026 average APY FDIC savings rates Google ↗
- 30-Year Fixed Rate Mortgage Average in the United States | FRED · fred.stlouisfed.org
- The average 30-year US mortgage rate dips to 7.24%, the lowest level in more than a month. · apnews.com
- Savings Rates in October 2026 (Month to Date as of Oct 31) · bythemath.com
- Average Savings Account Interest Rate For October 2026 · bankrate.com
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
United States mortgage rates October 2026 current 30-year fixed average mortgage rate October 2026 Freddie Mac OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
high yield savings account rates October 2026 average APY FDIC savings rates OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |