How do current adjustable rate mortgage margins and caps compare to fixed rates for someone buying a four-hundred-thousand-dollar home today?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do current adjustable rate mortgage margins and caps compare to fixed rates for someone buying a four-hundred-thousand-dollar home today?
3 real searches · 1 real-search pass
October 31 2026 current 30-year fixed mortgage rate 5/1 ARM 7/1 ARM average rates United StatesGoogle ↗
OBSERVED
2026 adjustable rate mortgage typical margin 2.75 caps 2/2/5 5/1 ARM lender margin index SOFRGoogle ↗
OBSERVED
CFPB adjustable rate mortgage caps margin index explanation mortgageGoogle ↗
OBSERVED
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 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
October 31 2026 current 30-year fixed mortgage rate 5/1 ARM 7/1 ARM average rates United States Google ↗
2026 adjustable rate mortgage typical margin 2.75 caps 2/2/5 5/1 ARM lender margin index SOFR Google ↗
CFPB adjustable rate mortgage caps margin index explanation mortgage Google ↗
- Current ARM Loan Rates · bankrate.com
- Compare 30-Year Mortgage Rates Today · bankrate.com
- How Boosting Usage of Adjustable-Rate Mortgages Could Increase Housing Affordability · urban.org
- Adjustable-Rate Mortgages (ARMs) · guide-selling.fanniemae.com
- What are rate caps with an adjustable-rate mortgage (ARM), and how do they work? · consumerfinance.gov
- Latest ARM Indexes (HSH Associates) · hsh.com
- What is the difference between a fixed-rate and adjustable-rate mortgage (ARM) loan? · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
October 31 2026 current 30-year fixed mortgage rate 5/1 ARM 7/1 ARM average rates United States OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
2026 adjustable rate mortgage typical margin 2.75 caps 2/2/5 5/1 ARM lender margin index SOFR OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
CFPB adjustable rate mortgage caps margin index explanation mortgage OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |