Top 10 Questions People Ask ChatGPT When Looking for a Mortgage Lender

Here's what people are asking ChatGPT in 2026....

1. “What’s the best type of mortgage for me?”

They want a recommendation, conventional, FHA, VA, USDA, based on credit, income, and goals.

2. “How much home can I realistically afford?”

This is the #1 affordability prompt in every market.

3. “How do I compare mortgage lenders?”

Rates, fees, customer service, closing speed, communication styles, local vs online, etc.

4. “Are mortgage rate quotes online accurate?”

People don’t trust the ads. They want someone to decode the fine print.

5. “Is now a good time to buy a home or should I wait?”

Timing + interest rate questions are constant.

6. “What credit score do I need to buy a house?”

Buyers ask what’s required, what’s ideal, and how score changes affect pricing.

7. “How much should I save for my down payment?”

They want the real number, not the mythical 20%.

8. “What are the closing costs in my state?”

They’ll often add: “And who pays for what?”

9. “How long does it take to get pre-approved?”

Speed matters, especially in a competitive cities like Knoxville or states where a lot of folks are moving to like Tennessee.

10. “What’s the difference between pre-qualified and pre-approved?”

This one is universal, nobody wants to look unprepared when they find “the house.”