What are the current mortgage interest rates for first time home buyers in New York and which banks are offering the best closing cost deals?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the current mortgage interest rates for first time home buyers in New York and which banks are offering the best closing cost deals?
3 real searches · 1 real-search pass
New York mortgage rates October 31 2026 30 year fixed first time home buyer rates lender closing cost promotionsGoogle ↗
OBSERVEDComparison
SONYMA first time homebuyer programs down payment assistance closing cost 2026 officialGoogle ↗
OBSERVEDOther / navigational
New York banks mortgage lender closing cost credit first time homebuyer 2026 Chase Bank of America TD M&TGoogle ↗
OBSERVEDComparison
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
New York mortgage rates October 31 2026 30 year fixed first time home buyer rates lender closing cost promotions Google ↗
SONYMA first time homebuyer programs down payment assistance closing cost 2026 official Google ↗
New York banks mortgage lender closing cost credit first time homebuyer 2026 Chase Bank of America TD M&T Google ↗
- Compare Today’s Mortgage and Refinance Rates in New York · nerdwallet.com
- Current New York Mortgage And Refinance Rates · bankrate.com
- Mortgage Rates in New York (October 2026) · yourbestloanrates.com
- Explore Bank of America grants · bankofamerica.com
- Down Payment Grants and Loan Assistance Programs for First-time Homebuyers · bankofamerica.com
- View BMO mortgage offers · bmo.com
- View KeyBank mortgage rates · key.com
- Visit Flagstar · flagstar.com
- SONYMA official programs · hcr.ny.gov
- DPAL details · hcr.ny.gov
- Achieving The Dream Program · hcr.ny.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
New York mortgage rates October 31 2026 30 year fixed first time home buyer rates lender closing cost promotions OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
SONYMA first time homebuyer programs down payment assistance closing cost 2026 official OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
New York banks mortgage lender closing cost credit first time homebuyer 2026 Chase Bank of America TD M&T OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |