What are the hidden fees involved in doing a mortgage recast versus a full refinance in the current market environment?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the hidden fees involved in doing a mortgage recast versus a full refinance in the current market 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.
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
United States mortgage refinance rates October 2026 current 30 year fixed mortgage rate Freddie Mac October 2026 Google ↗
mortgage recast fees typical lender minimum payment processing fee refinance closing costs CFPB 2026 Google ↗
- Understanding the costs of refinancing · myhome.freddiemac.com
- A Consumer's Guide to Mortgage Refinancings · federalreserve.gov
- Mortgage Rates · freddiemac.com
- Freddie Mac Mortgage Market Survey Archive · freddiemac.com
- What are mortgage origination services? What is an origination fee? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
United States mortgage refinance rates October 2026 current 30 year fixed mortgage rate Freddie Mac October 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
mortgage recast fees typical lender minimum payment processing fee refinance closing costs CFPB 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |