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-- Database: `busivozr_chatboat`
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--
-- Table structure for table `chatbot_qa`
--

CREATE TABLE `chatbot_qa` (
  `id` int(11) NOT NULL,
  `question` text NOT NULL,
  `answer` text DEFAULT NULL
) ENGINE=MyISAM DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

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-- Dumping data for table `chatbot_qa`
--

INSERT INTO `chatbot_qa` (`id`, `question`, `answer`) VALUES
(1, 'What is a mortgage?', 'Mortgage is a loan used to purchase a home or real estate, where the property itself serves as collateral for the loan. You repay the loan over a set period, with interest.'),
(2, 'How does a mortgage work?', 'The lender, Bank or Mortgage Broker provides you with a large sum of money to buy a property. In return, you agree to make regular payments (principal and interest) over a set term (e.g., 15 or 30 years). Your home acts as security for the loan.'),
(3, 'What are the different types of mortgage loans?', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).'),
(4, 'How do I qualify for a mortgage?', 'Lenders assess your financial stability, including your credit score, income, debt-to-income (DTI) ratio, employment history, and assets.'),
(5, 'What credit score do I need for a mortgage?', 'Credit score requirements vary by loan type and lender. Generally, for conventional loans, a score of 620 or higher is preferred. FHA loans may accept lower scores (e.g., 580 with a 3.5% down payment). Higher scores typically lead to better interest rates.'),
(6, 'What is a debt-to-income (DTI) ratio?', 'Your DTI ratio compares your total monthly debt payments (including the new mortgage) to your gross monthly income. Lenders typically prefer a DTI ratio of no more than 43-45%, though some programs may allow higher.'),
(7, 'How much income do I need to qualify?', 'There\'s no single answer, as it depends on your overall financial situation, including your debts, desired loan amount, and prevailing interest rates. Lenders will calculate your DTI to determine affordability.'),
(8, 'What is pre-qualification vs. pre-approval?', 'Pre-qualification is an informal estimate of how much you might be able to borrow, based on self-reported financial information. Pre-approval is a more formal commitment from a lender, after they\'ve reviewed and verified your financial documents, indicating the maximum loan amount you qualify for.'),
(9, 'How much home can I afford?', 'This depends on your income, monthly expenses, down payment, current interest rates, and property taxes. A common guideline is to keep your monthly housing costs (PITI) below 28% of your gross monthly income and your total debt-to-income ratio below 36-45%.'),
(10, 'Can I get a mortgage with bad credit?', 'It\'s more challenging, but possible. FHA loans and other government-backed programs are designed for borrowers with lower credit scores. You may face higher interest rates or require a larger down payment.'),
(11, 'What is a down payment?', 'The upfront amount of money you pay toward the purchase of a home, reducing the amount you need to borrow.'),
(12, 'How much down payment do I need?', 'It varies by loan type: Conventional typically 20% to avoid Private Mortgage Insurance (PMI), but options exist for as low as 3%. FHA requires a minimum 3.5%. VA/USDA often require 0%.'),
(13, 'What are closing costs?', 'Fees paid at the end of the home-buying process to finalize the mortgage and transfer ownership. They typically range from 2% to 5% of the loan amount and include appraisal fees, origination fees, title insurance, and more.'),
(14, 'What is included in my monthly mortgage payment (PITI)?', 'PITI stands for Principal (reduces loan balance), Interest (cost of borrowing), Taxes (property taxes), and Insurance (homeowners insurance and potentially private mortgage insurance).'),
(15, 'What are mortgage points (discount points)?', 'Optional upfront fees paid to the lender in exchange for a lower interest rate. One point typically equals 1% of the loan amount.'),
(16, 'Do I need mortgage insurance?', 'If your down payment on a conventional loan is less than 20%, you\'ll likely need Private Mortgage Insurance (PMI). FHA loans require Mortgage Insurance Premiums (MIP) regardless of down payment. VA loans have a funding fee instead.'),
(17, 'What is an escrow account?', 'An account managed by your mortgage lender to hold funds for property taxes and homeowners insurance. A portion of your monthly mortgage payment is deposited into this account to cover these expenses when they are due.'),
(18, 'Are there any prepayment penalties?', 'Prepayment penalties are rare on most conventional residential mortgages. However, it\'s essential to confirm with your lender, as some specialized loans might have them.'),
(19, 'What is the current mortgage interest rate?', 'Mortgage interest rates fluctuate daily based on economic factors. You\'ll need to check current rates from lenders or online mortgage rate tables.'),
(20, 'How are interest rates determined?', 'Interest rates are influenced by various factors, including the federal funds rate, inflation, bond market performance, economic growth, and the lender\'s risk assessment of your creditworthiness.'),
(21, 'What is the Annual Percentage Rate (APR)?', 'The APR is the total cost of your loan expressed as a yearly rate. It includes the interest rate plus certain fees and charges associated with the loan, providing a more comprehensive view of the loan\'s cost.'),
(22, 'What is an interest rate lock?', 'An agreement with your lender to secure a specific interest rate for a set period (e.g., 30, 45, or 60 days) while your loan is being processed. This protects you if rates rise before closing.'),
(23, 'How long should I fix my mortgage for (for fixed-rate loans)?', 'Common fixed-rate terms are 15 or 30 years. A 15-year term typically has a lower interest rate and you pay less interest over the life of the loan, but monthly payments are higher. A 30-year term offers lower monthly payments but accrues more interest over time.'),
(24, 'When do ARMs adjust, and how often?', 'Adjustable-Rate Mortgages (ARMs) have an initial fixed-rate period (e.g., 3, 5, 7, or 10 years), after which the interest rate adjusts periodically, usually once or twice a year.'),
(25, 'What are the caps on an ARM?', 'ARMs have caps that limit how much the interest rate can change: Initial adjustment cap (limits the first adjustment), Periodic adjustment cap (limits subsequent adjustments), and Lifetime cap (limits the maximum rate the loan can reach).'),
(26, 'How long does the mortgage process take?', 'Typically, from application to closing, the process can take 30 to 45 days, but it can vary based on the complexity of your situation and the lender\'s efficiency.'),
(27, 'What documents do I need for a mortgage application?', 'Common documents include: pay stubs, W-2s, tax returns, bank statements, investment account statements, and possibly a gift letter if receiving down payment assistance.'),
(28, 'What is a Loan Estimate?', 'The standardized form that lenders are required to provide within three business days of receiving your loan application. It outlines the estimated interest rate, monthly payment, closing costs, and other loan terms.'),
(29, 'What is an appraisal?', 'An independent professional assessment of a property\'s fair market value. Lenders require appraisals to ensure the loan amount is not more than the home\'s value.'),
(30, 'What is a home inspection?', 'A thorough examination of the property\'s condition by a qualified inspector. It\'s separate from the appraisal and identifies potential issues with the home, though it\'s typically for the buyer\'s benefit, not the lender\'s.'),
(31, 'What is underwriting?', 'The process where the lender evaluates your loan application, financial documents, and the property\'s value to determine if you qualify for the loan and to assess the risk involved.'),
(32, 'What is a Closing Disclosure?', 'A standardized form that lenders must provide at least three business days before closing. It details the final loan terms, projected monthly payments, and the exact closing costs.'),
(33, 'What happens at closing?', 'The final stage of the home-buying process where all necessary documents are signed, funds are exchanged, and ownership of the property is officially transferred to the buyer.'),
(34, 'Will my loan be sold after closing?', 'It\'s common for lenders to sell the servicing rights of your mortgage to another company. This doesn\'t change the terms of your loan, but you\'ll make payments to the new servicer.'),
(35, 'What is refinancing?', 'Replacing your existing mortgage with a new one, often to get a lower interest rate, change loan terms, or access home equity.'),
(36, 'When is a good time to refinance?', 'Consider refinancing when interest rates are significantly lower than your current rate, you want to switch from an ARM to a fixed-rate, you want to shorten your loan term, or you need to access home equity through a cash-out refinance.'),
(37, 'How can I pay off my mortgage faster?', 'Strategies include: making extra principal payments, making bi-weekly payments (effectively one extra payment per year), refinancing to a shorter loan term (e.g., 15-year fixed), or applying bonuses or tax refunds directly to the principal.'),
(38, 'What is home equity?', 'The portion of your home that you own outright. It\'s calculated as the market value of your home minus your outstanding mortgage balance.'),
(39, 'What is a Home Equity Line of Credit (HELOC) or Home Equity Loan?', 'Ways to borrow against your home equity. A HELOC is a revolving line of credit, similar to a credit card. A Home Equity Loan is a lump-sum loan with a fixed interest rate and repayment schedule.'),
(40, 'What if I can\'t make my mortgage payments?', 'Contact your lender immediately. They may offer options like forbearance (temporarily reducing/pausing payments), loan modification (changing loan terms), or a repayment plan (spreading missed payments). Avoiding foreclosure might also involve a short sale or deed in lieu of foreclosure.'),
(41, 'How much home can I afford?', 'This depends on several factors: your income, current debts, credit score, the size of your down payment, and prevailing interest rates. Lenders calculate your Debt-to-Income (DTI) ratio, but it\'s crucial to also consider your overall budget for comfortable monthly payments beyond just what you qualify for.'),
(42, 'What is a mortgage, and how does it work?', 'A mortgage is a loan you take out to purchase real estate, using the property itself as collateral. You borrow a lump sum from a lender and agree to repay it, plus interest, over a set period (usually 15 or 30 years) through regular monthly payments. Your home serves as security for the loan until it\'s fully paid off.'),
(43, 'What is the difference between pre-qualification and pre-approval?', 'Pre-qualification is a preliminary estimate of how much you might be able to borrow, based on self-reported financial information. Pre-approval is a more formal commitment from a lender after they\'ve verified your financial documents (income, assets, credit), stating the maximum loan amount they are willing to lend. Pre-approval makes your offer more competitive to sellers.'),
(44, 'How long does the mortgage pre-approval process take?', 'The pre-approval process can range from a few minutes for a quick online estimate to a few days for a more in-depth review that includes a hard credit check and income verification. It depends on the lender and how quickly you provide necessary documentation.'),
(45, 'What documents do I need for mortgage pre-approval?', 'You\'ll typically need recent pay stubs, W-2 forms for the past two years, federal tax returns for the past two years, bank statements (usually 2-3 months), investment account statements, and a government-issued ID. If receiving a gift for your down payment, a gift letter will also be required.'),
(46, 'What credit score do I need to get pre-approved for a mortgage?', 'Credit score requirements vary by loan type and lender. For conventional loans, a score of 620 or higher is generally preferred. FHA loans can be obtained with scores as low as 580 (with a 3.5% down payment). Higher scores usually lead to better interest rates.'),
(47, 'What is a debt-to-income (DTI) ratio, and how does it affect my pre-approval?', 'Your DTI ratio compares your total monthly debt payments (including the estimated new mortgage payment) to your gross monthly income. Lenders use it to assess your ability to manage debt. A DTI ratio of 43% or lower is often preferred for conventional loans, though some programs allow higher. A lower DTI can strengthen your pre-approval.'),
(48, 'Should I get pre-approved before looking at homes?', 'Absolutely. Getting pre-approved helps you understand your budget, narrow down your home search, and shows sellers you are a serious and qualified buyer, which can be crucial in competitive markets.'),
(49, 'What happens after I get pre-approved for a mortgage?', 'Once pre-approved, you\'ll receive a pre-approval letter stating the maximum loan amount. You can then confidently start house hunting. When you find a home you like, your real estate agent will include this letter with your offer.'),
(50, 'How long is a mortgage pre-approval letter valid?', 'Pre-approval letters are typically valid for 60 to 90 days. If you haven\'t found a home by then, you\'ll need to update your financial information with your lender and get a refreshed pre-approval letter.'),
(51, 'What are the different types of mortgage loans available for new home buyers?', 'Common types include: Fixed-Rate Mortgages (stable interest rate), Adjustable-Rate Mortgages (ARMs) (rate adjusts periodically), FHA Loans (government-insured, low down payment), VA Loans (government-backed for veterans, often 0% down), and USDA Loans (government-backed for rural properties, often 0% down).'),
(52, 'What\'s the difference between a fixed-rate and an adjustable-rate mortgage (ARM)?', 'A fixed-rate mortgage has an interest rate that remains constant for the entire loan term, providing predictable monthly payments. An ARM has an initial fixed-rate period, after which the interest rate adjusts periodically based on a market index, meaning your payments can go up or down.'),
(53, 'Which type of mortgage is best for a first-time homebuyer?', 'There\'s no single \"best\" type, as it depends on your individual circumstances. Fixed-rate mortgages are popular for stability. FHA loans are often favored by first-time buyers due to lower down payment and credit requirements. VA and USDA loans are excellent options for eligible borrowers due to their 0% down payment feature.'),
(54, 'What is a jumbo loan?', 'The jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. These are used for higher-priced properties and typically have stricter qualification requirements, such as higher credit scores and larger down payments.'),
(55, 'What is included in my monthly mortgage payment (PITI)?', 'Your monthly mortgage payment typically includes four components: Principal (P) (the amount that reduces your loan balance), Interest (I) (the cost of borrowing money), Taxes (T) (property taxes collected and held in escrow), and Insurance (I) (homeowners insurance, and potentially private mortgage insurance).'),
(56, 'What are mortgage points, and should I pay them?', 'Mortgage points (also called discount points) are optional upfront fees you pay to the lender in exchange for a lower interest rate on your loan. One point typically equals 1% of the loan amount. Whether to pay them depends on how long you plan to stay in the home and how much interest you\'ll save overtime versus the upfront cost.'),
(57, 'Do I need mortgage insurance, and what is it?', 'If your down payment on a conventional loan is less than 20%, you will likely need Private Mortgage Insurance (PMI), which protects the lender in case you default. FHA loans require Mortgage Insurance Premiums (MIP) regardless of down payment size. Mortgage insurance is an added cost to your monthly payment.'),
(58, 'Can I get a mortgage with no down payment?', 'Yes, it is possible. VA loans (for eligible veterans, active-duty service members, and surviving spouses) and USDA loans (for properties in eligible rural and some suburban areas) often allow for 0% down payments.'),
(59, 'What are the typical interest rates for mortgages right now?', 'Mortgage interest rates fluctuate daily based on various economic factors like inflation, the federal funds rate, and bond market performance. You\'ll need to check with a lender or a reliable financial news source for the most current rates.'),
(60, 'What is an interest rate lock, and should I get one?', 'An interest rate lock is an agreement with your lender to guarantee a specific interest rate for a set period (e.g., 30, 45, or 60 days) while your loan is being processed. It protects you from rate increases before closing. You should typically lock your rate once you have a signed purchase agreement.'),
(61, 'How much down payment do I really need?', 'While 20% down is often ideal for conventional loans to avoid PMI, it\'s not always necessary. FHA loans require as little as 3.5% down, and VA and USDA loans can be 0% down. The median down payment for first-time buyers is often much lower than 20%.'),
(62, 'What are closing costs, and how much are they?', 'Closing costs are various fees and expenses paid at the end of the home-buying process to finalize the mortgage and transfer ownership. They typically range from 2% to 5% of the loan amount and cover services like appraisal, title insurance, legal fees, and loan origination fees.'),
(63, 'Can a seller pay for my closing costs?', 'Yes, sellers can sometimes contribute to a buyer\'s closing costs through \"seller concessions.\" There are limits to these contributions based on the loan type and down payment amount, but they can significantly reduce your out-of-pocket expenses at closing.'),
(64, 'What is an escrow account, and why do I need one?', 'An escrow account is a special account managed by your mortgage lender to hold funds for recurring property-related expenses like property taxes and homeowners insurance. A portion of your monthly mortgage payment is deposited into this account, and the lender pays these bills on your behalf when they are due. It simplifies payment management and ensures these critical bills are paid.'),
(65, 'What is the Annual Percentage Rate (APR), and how is it different from the interest rate?', 'The interest rate is the cost of borrowing money. The Annual Percentage Rate (APR) is the total cost of your loan expressed as a yearly rate, which includes the interest rate plus certain other fees and charges (like origination fees, points, etc.). APR gives a more comprehensive view of the loan\'s true cost.'),
(66, 'Are there any prepayment penalties if I pay off my mortgage early?', 'Prepayment penalties are rare on most conventional residential mortgages in the U.S. and are typically not allowed on FHA, VA, or USDA loans. However, it\'s always wise to confirm this directly with your lender or review your loan documents carefully.'),
(67, 'What are property taxes, and how do they affect my monthly payment?', 'Property taxes are taxes assessed by local government authorities based on the value of your home. They are typically collected by your mortgage lender as part of your monthly PITI payment and held in your escrow account, then paid out to the tax authorities when due. Property taxes can change over time, affecting your monthly payment.'),
(68, 'What is homeowners insurance, and how much does it cost?', 'Homeowners insurance protects your home and belongings from damage due to perils like fire, theft, and natural disasters. Lenders require it to protect their investment. The cost varies based on location, home value, deductible, and coverage limits, and it\'s usually included in your monthly mortgage payment via escrow.'),
(69, 'What is a mortgage origination fee?', 'A mortgage origination fee is a fee charged by the lender for processing and underwriting your loan application. It typically covers administrative costs and can be expressed as a percentage of the loan amount (e.g., 0.5% to 1%) or a flat fee.'),
(70, 'How long does the entire home buying and mortgage process take?', 'From making an offer to closing on your new home, the entire process can take anywhere from 30 to 60 days, sometimes longer depending on complexities like appraisal turnarounds or unique loan conditions.'),
(71, 'What is a home appraisal, and why is it needed?', 'A home appraisal is an independent, professional assessment of a property\'s fair market value conducted by a licensed appraiser. Lenders require it to ensure the home\'s value supports the amount of the loan, protecting their investment in case of default.'),
(72, 'What is a home inspection, and is it mandatory?', 'A home inspection is a thorough examination of the property\'s physical condition by a professional inspector to identify any potential issues, defects, or necessary repairs. While typically not mandatory for loan approval (unlike an appraisal), it is highly recommended for the buyer\'s protection and understanding of the home\'s condition.'),
(73, 'What is mortgage underwriting?', 'Underwriting is the critical stage where the lender\'s underwriter meticulously reviews your loan application, all submitted financial documents, and the appraisal to assess your creditworthiness and the property\'s risk. This determines whether your loan is approved and on what terms.'),
(74, 'What is a Loan Estimate, and when do I receive it?', 'The Loan Estimate is a standardized form that lenders are legally required to provide to you within three business days of receiving your mortgage loan application. It clearly outlines the estimated interest rate, monthly payment, estimated closing costs, and other key loan terms, allowing for easy comparison between lenders.'),
(75, 'What is a Closing Disclosure, and when do I receive it?', 'The Closing Disclosure is another standardized form that lenders must provide at least three business days before your scheduled closing date. It details the final, confirmed terms of your loan, including the exact monthly payments and the precise closing costs you will pay. It should align closely with your initial Loan Estimate.'),
(76, 'What happens at the mortgage closing?', 'The closing is the final stage of the home-buying process. You, the seller, and other involved parties (like attorneys or title company representatives) will sign all necessary legal documents, funds will be transferred, and ownership of the property will officially be transferred to you. You\'ll then receive the keys to your new home.'),
(77, 'Will my mortgage loan be sold after closing?', 'It is very common for lenders to sell the servicing rights of your mortgage to another company after closing. This means you\'ll make your monthly payments to a new loan servicer, but the original terms and conditions of your mortgage loan will remain exactly the same.'),
(78, 'How do student loans impact my ability to get a mortgage?', 'Student loan debt can impact your mortgage eligibility primarily through your debt-to-income (DTI) ratio. Lenders consider your monthly student loan payments when calculating your DTI. If your DTI is too high, it may limit the amount you can borrow or require you to pay down some debt first.'),
(79, 'Are there special programs or assistance for first-time homebuyers?', 'Yes, many states, counties, and cities offer programs designed specifically for first-time homebuyers. These can include down payment assistance, closing cost assistance, lower interest rates, or specific loan programs like bond loans. Research local Housing Finance Agencies (HFAs) for available options.'),
(80, 'How can I pay off my mortgage faster?', 'Strategies to pay off your mortgage faster include making extra principal payments (even small amounts add up), making bi-weekly payments (which results in one extra full payment per year), refinancing to a shorter loan term (e.g., a 15-year fixed mortgage), or applying lump sums like tax refunds or bonuses directly to your principal balance.'),
(81, 'What is home equity, and how do I build it?', 'Home equity is the portion of your home that you truly own outright, it\'s the market value of your home minus your outstanding mortgage balance. You build equity by making regular mortgage payments (reducing your principal), by making additional principal payments, and as your home\'s market value appreciates over time.'),
(82, 'What is a Home Equity Line of Credit (HELOC) or a Home Equity Loan?', 'Both are ways to borrow against your home equity. A HELOC is a revolving line of credit, similar to a credit card, where you can borrow up to a certain limit, repay, and borrow again. A Home Equity Loan is a lump-sum loan with a fixed interest rate and a set repayment schedule.'),
(83, 'What if I can\'t make my mortgage payments?', 'If you struggle to make mortgage payments, contact your lender immediately. Do not wait. They may offer options like forbearance (temporarily reducing or pausing payments), a loan modification (changing the terms of your loan to make payments more affordable), or a repayment plan (spreading missed payments over a few months).'),
(84, 'How does owning a home affect my taxes? Are there tax deductions?', 'Homeowners may be eligible for several tax deductions. The most significant are often the mortgage interest deduction (for interest paid on your loan) and property tax deductions. However, tax laws can change, and it\'s always best to consult with a qualified tax professional for personalized advice.'),
(85, 'What is a refi, and when should I consider one?', '\"Refi\" is short for refinancing, which means replacing your existing mortgage with a new one. You might consider refinancing if current interest rates are significantly lower than your existing rate, you want to change your loan type (e.g., from an ARM to a fixed rate), you want to shorten your loan term, or you need to access cash from your home equity.'),
(86, 'What is the role of a real estate agent vs. a loan officer/mortgage broker?', 'Real estate agent represents you in the home search and purchase process, helping you find properties, negotiate offers, and navigate contracts. A loan officer (works for a specific bank) or a mortgage broker (works with multiple lenders) helps you secure the financing for your home, guiding you through the loan application and approval process.'),
(87, 'What are the common pitfalls new home buyers should avoid during the mortgage process?', 'Common pitfalls include making large purchases or taking on new debt before closing (which can hurt your DTI and credit), changing jobs, opening new credit accounts, failing to respond promptly to lender requests for documents, or not thoroughly reviewing your Loan Estimate and Closing Disclosure.'),
(88, 'Should I get a home inspection even if the home is new construction?', 'Yes, it is still highly recommended to get a home inspection, even for new construction. While new homes often come with warranties, an independent inspection can catch potential issues or overlooked items by the builder before you close.'),
(89, 'What should I do if my mortgage pre-approval is denied?', 'If denied, ask the lender for specific reasons. Common reasons include low credit score, high DTI, unstable income, or insufficient funds for down payment/closing costs. Address these issues (e.g., improve credit, pay down debt, save more) and reapply later or explore different loan programs.'),
(90, 'hi', 'Hello! ? How can I assist you today?'),
(91, 'hello', 'Hi there! ? What would you like to know about mortgages?'),
(92, 'how are you', 'I’m just a helpful bot, but I’m glad you asked! How can I assist?'),
(93, 'what’s up', 'Just hanging out, helping people like you with mortgage info ?'),
(94, 'thanks', 'You’re welcome! Let me know if you have more questions.'),
(95, 'bye', 'Goodbye! Feel free to chat again anytime.'),
(96, 'mortgage loan', 'A mortgage loan is a type of loan used to purchase real estate. The borrower agrees to repay it over time with interest, and the property serves as collateral.'),
(97, 'i want to know mortgage loan', 'Sure! A mortgage loan helps you buy a home and is paid back monthly with interest. Want to know types, process, or eligibility?'),
(98, 'explain mortgage loan', 'A mortgage loan is money borrowed from a bank or lender to buy a house. You repay it over time with interest. The property is the security.'),
(99, 'how mortgage loan works', 'A lender gives you money to buy a house. You repay the loan in EMIs over a fixed period. The home is used as collateral.'),
(100, 'i m just chat with you', 'I\'m not sure, but I’ll help you find out!'),
(101, 'yes sure', 'I\'m not sure, but I’ll help you find out!'),
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(103, 'i am intrested i movies', 'I\'m not sure, but I’ll help you find out!'),
(104, 'apr?', 'I\'m not sure, but I’ll help you find out!'),
(105, 'rate locks', 'I\'m not sure, but I’ll help you find out!'),
(106, 'What is a mortgage?', 'A mortgage is a long-term loan used to purchase property; the home acts as collateral.'),
(107, 'How does a mortgage work?', 'You borrow against the property and make monthly payments of principal and interest until it’s paid off.'),
(108, 'What are the components of a mortgage payment?', 'Monthly payments typically include principal, interest, taxes, and insurance (PITI).'),
(109, 'What is an escrow account?', 'An escrow account holds portions of your monthly payment for taxes and insurance until those bills are paid.'),
(110, 'What is an interest rate?', 'The interest rate is what lenders charge to lend you money, usually expressed as an annual percentage.'),
(111, 'What is APR?', 'APR includes the interest rate plus other fees—giving you a more complete picture of loan cost.'),
(112, 'What is the difference between interest rate and APR?', 'Interest rate is the cost of borrowing; APR adds in fees and points for full cost comparison.'),
(113, 'What types of mortgage loans are there?', 'The main types are fixed-rate, adjustable-rate (ARM), FHA, VA, USDA, and jumbo loans.'),
(114, 'What is a Fixed-rate mortgage?', 'A fixed-rate mortgage locks the interest rate for the life of the loan—usually 15 or 30 years.'),
(115, 'What is an adjustable-rate mortgage (ARM)?', 'An ARM starts with a fixed rate, then adjusts periodically based on market rates.'),
(116, 'What is an FHA loan?', 'Backed by the FHA, these require lower down payments (3.5%) and credit scores.'),
(117, 'What is a VA loan?', 'VA loans for veterans often require no down payment and no PMI, backed by the VA.'),
(118, 'What is a USDA loan?', 'USDA loans offer 100% financing in eligible rural areas, for low to moderate incomes.'),
(119, 'What is a jumbo loan?', 'Jumbo loans exceed conforming limits and often need higher credit and down payments.'),
(120, 'What is mortgage insurance?', 'PMI or MIP is required when down payment is under 20%, protecting lender if borrower defaults.'),
(121, 'What are mortgage points?', 'Points are prepaid interest that lower your interest rate—1 point = 1% of loan amount.'),
(122, 'Should I buy points?', 'Buying points makes sense if you plan to stay long-term and want lower monthly payments.'),
(123, 'What is a rate lock?', 'A rate lock guarantees your interest rate for a set period before closing.'),
(124, 'What is preapproval?', 'Preapproval is a lender verifying your income and credit to give a conditional loan amount.'),
(125, 'What is prequalification?', 'Prequalification is a rough estimate based on what you report—less formal than preapproval.'),
(126, 'How much down payment do I need?', 'Down payment varies: 3–20% depending on loan type, borrower profile, and assistance programs.'),
(127, 'What credit score do I need?', 'Generally 580+ for FHA, 620+ for conventional, 680+ for jumbo, VA and USDA vary.'),
(128, 'What is debt-to-income ratio?', 'DTI compares monthly debt to gross income—lenders look for under ~43%.'),
(129, 'What documents do I need to apply?', 'You’ll need ID, income proof, bank & asset statements, tax returns, SSN and employment info.'),
(130, 'How long does mortgage approval take?', 'Typically 30–60 days from application to closing, faster if docs are ready.'),
(131, 'What is refinancing?', 'Refinancing replaces your existing mortgage with a new one—used to lower rates or pull equity.'),
(132, 'What is a cash-out refinance?', 'You refinance for more than you owe and take the difference in cash, often used to consolidate debt.'),
(133, 'What is streamline refinance?', 'Streamline refi (like FHA/VA) requires less docs and appraisal for faster refinance.'),
(134, 'What is a home equity loan?', 'A loan using your home’s equity as collateral, given in a lump sum, paid back over time.'),
(135, 'What is a HELOC?', 'A Home Equity Line of Credit is a revolving credit line using your home as collateral.'),
(136, 'What is mortgage assumption?', 'Assumable mortgages (like FHA/VA/USDA) let a new buyer take over the seller’s mortgage under the same terms.'),
(137, 'Can I get a mortgage with no credit score?', 'Yes, some lenders offer manual underwriting if you have consistent income and low debt.'),
(138, 'Can I buy a home if I\'m self-employed?', 'Yes, you\'ll need at least 2 years of income documentation and possibly bank statements.'),
(139, 'How do I compare mortgage offers?', 'Compare APRs, loan terms, fees, lender reviews, and total monthly payments.'),
(140, 'What are closing costs?', 'These are fees paid at closing—usually 2% to 5% of the home price—covering lender, title, and other charges.'),
(141, 'Can I negotiate mortgage rates?', 'Yes, you can often negotiate interest rate, fees, and ask for lender credits.'),
(142, 'How does mortgage amortization work?', 'In early years, most of your payment goes to interest. Later, more goes to principal.'),
(143, 'What happens if I miss a mortgage payment?', 'You may incur late fees, impact credit score, or risk foreclosure if not resolved quickly.'),
(144, 'Can I pay off my mortgage early?', 'Yes. Many loans allow early payoff without penalty. Check if prepayment penalties apply.'),
(145, 'What is a loan estimate?', 'A Loan Estimate is a standardized form showing loan terms, interest, and closing costs.'),
(146, 'What is a closing disclosure?', 'A Closing Disclosure is provided 3 days before closing and shows final loan terms and costs.'),
(147, 'What is private mortgage insurance (PMI)?', 'PMI protects lenders when borrowers put down less than 20% on conventional loans.'),
(148, 'What is MIP?', 'Mortgage Insurance Premium (MIP) is paid on FHA loans, both upfront and monthly.'),
(149, 'How do I remove PMI?', 'PMI can be removed when your home equity reaches 20% through payments or appreciation.'),
(150, 'What is loan-to-value ratio (LTV)?', 'LTV is the loan amount divided by home value. Higher LTVs may require mortgage insurance.'),
(151, 'Can I switch lenders during the process?', 'Yes, but you may need to restart the application and delay your closing.'),
(152, 'What is a balloon mortgage?', 'A balloon mortgage has small payments for a few years, then a large lump-sum due at the end.'),
(153, 'Are mortgage rates negotiable?', 'Yes, especially based on your credit score, down payment, and lender flexibility.'),
(154, 'What is a conventional loan?', 'A loan not backed by the government, often requiring good credit and a 3–20% down payment.'),
(155, 'Do I need an appraisal?', 'Yes, an appraisal determines home value and is required by most lenders.'),
(156, 'Can I lock my rate before I find a home?', 'Some lenders offer rate locks before you identify a property, with certain conditions.'),
(157, 'What is a conditional approval?', 'Conditional approval means your loan is approved pending final documents or conditions.'),
(158, 'What is title insurance?', 'Title insurance protects against disputes over property ownership or past claims.'),
(159, 'Can I use gift funds for my down payment?', 'Yes, many loans allow gifted money from relatives—ask your lender for documentation rules.'),
(160, 'support no.', 'I\'m not sure, but I’ll help you find out!'),
(161, 'phone no', 'I\'m not sure, but I’ll help you find out!'),
(162, 'laon', 'I\'m not sure, but I’ll help you find out!'),
(163, 'i need help', 'I\'m not sure, but I’ll help you find out!'),
(164, 'todays rates', 'I\'m not sure, but I’ll help you find out!'),
(165, '30year jumbo', 'I\'m not sure, but I’ll help you find out!');

-- --------------------------------------------------------

--
-- Table structure for table `training_log`
--

CREATE TABLE `training_log` (
  `id` int(11) NOT NULL,
  `question` text DEFAULT NULL,
  `response` text DEFAULT NULL,
  `source` varchar(10) DEFAULT NULL,
  `created_at` timestamp NOT NULL DEFAULT current_timestamp()
) ENGINE=MyISAM DEFAULT CHARSET=latin1 COLLATE=latin1_swedish_ci;

--
-- Dumping data for table `training_log`
--

INSERT INTO `training_log` (`id`, `question`, `response`, `source`, `created_at`) VALUES
(1, 'closing cost', 'Fees paid at the end of the home-buying process to finalize the mortgage and transfer ownership. They typically range from 2% to 5% of the loan amount and include appraisal fees, origination fees, title insurance, and more.', 'db', '2025-06-28 20:04:45'),
(2, 'mortgage?', 'Mortgage is a loan used to purchase a home or real estate, where the property itself serves as collateral for the loan. You repay the loan over a set period, with interest.', 'db', '2025-06-28 20:05:04'),
(3, 'mortgage loan', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).', 'db', '2025-06-28 20:05:13'),
(4, 'hello how are  you', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 20:05:42'),
(5, 'need to ask gemini', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 20:05:51'),
(6, 'dsdad', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 20:47:34'),
(7, 'tets', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 20:48:07'),
(8, 'loan', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).', 'db', '2025-06-28 20:48:15'),
(9, 'mortgage loan', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).', 'db', '2025-06-28 20:48:23'),
(10, 'hello', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 20:53:38'),
(11, 'loan', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).', 'db', '2025-06-28 20:53:42'),
(12, 'mortgage laon', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 20:53:47'),
(13, 'hello', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 20:54:19'),
(14, 'loan', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).', 'db', '2025-06-28 20:54:26'),
(15, 'mortagage loan', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 20:54:34'),
(16, 'mortgage loan', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).', 'db', '2025-06-28 20:54:42'),
(17, 'mortagage loan', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 20:57:01'),
(18, 'hello', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 20:58:51'),
(19, 'mortagage', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 20:59:11'),
(20, 'mortagage loan', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 20:59:16'),
(21, 'laon', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 21:00:23'),
(22, 'loan', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).', 'db', '2025-06-28 21:00:33'),
(23, 'hello', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 21:02:28'),
(24, 'hello', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 21:05:34'),
(25, 'hel\\', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 21:08:03'),
(26, 'hello how are  you', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 21:08:35'),
(27, 'loan', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).', 'db', '2025-06-28 21:08:39'),
(28, 'mortgage lon', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 21:08:46'),
(29, 'mortgage loan', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).', 'db', '2025-06-28 21:08:52'),
(30, 'what is mortgage', 'Underwriting is the critical stage where the lender\'s underwriter meticulously reviews your loan application, all submitted financial documents, and the appraisal to assess your creditworthiness and the property\'s risk. This determines whether your loan is approved and on what terms.', 'db', '2025-06-28 21:09:02'),
(31, 'what i loan', 'The jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. These are used for higher-priced properties and typically have stricter qualification requirements, such as higher credit scores and larger down payments.', 'fuzzy_db', '2025-06-28 21:11:14'),
(32, 'hello how are  you', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 21:13:46'),
(33, 'hello', 'Hi there! ? What would you like to know about mortgages?', 'db', '2025-06-28 21:15:51'),
(34, 'yes sure', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 21:16:05'),
(35, 'heyy', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 21:17:13'),
(36, 'hii', 'Hello! ? How can I assist you today?', 'fuzzy_db', '2025-06-28 21:17:17'),
(37, 'how are y ou', 'I’m just a helpful bot, but I’m glad you asked! How can I assist?', 'fuzzy_db', '2025-06-28 21:17:24'),
(38, 'loan', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).', 'db', '2025-06-28 21:17:35'),
(39, 'hi', 'There\'s no single \"best\" type, as it depends on your individual circumstances. Fixed-rate mortgages are popular for stability. FHA loans are often favored by first-time buyers due to lower down payment and credit requirements. VA and USDA loans are excellent options for eligible borrowers due to their 0% down payment feature.', 'db', '2025-06-28 21:18:14'),
(40, 'hi', 'There\'s no single \"best\" type, as it depends on your individual circumstances. Fixed-rate mortgages are popular for stability. FHA loans are often favored by first-time buyers due to lower down payment and credit requirements. VA and USDA loans are excellent options for eligible borrowers due to their 0% down payment feature.', 'db', '2025-06-28 21:18:40'),
(41, 'hii', 'Hello! ? How can I assist you today?', 'fuzzy_db', '2025-06-28 21:19:23'),
(42, 'hi', 'There\'s no single \"best\" type, as it depends on your individual circumstances. Fixed-rate mortgages are popular for stability. FHA loans are often favored by first-time buyers due to lower down payment and credit requirements. VA and USDA loans are excellent options for eligible borrowers due to their 0% down payment feature.', 'db', '2025-06-28 21:19:28'),
(43, 'hi', 'There\'s no single \"best\" type, as it depends on your individual circumstances. Fixed-rate mortgages are popular for stability. FHA loans are often favored by first-time buyers due to lower down payment and credit requirements. VA and USDA loans are excellent options for eligible borrowers due to their 0% down payment feature.', 'db', '2025-06-28 21:20:24'),
(44, 'oh yes sure', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 21:22:45'),
(45, 'i want to know mortgage loan', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 21:23:04'),
(46, 'mortgage loan', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).', 'db', '2025-06-28 21:23:20'),
(47, 'i want to know mortgage loan', 'Sure! A mortgage loan helps you buy a home and is paid back monthly with interest. Want to know types, process, or eligibility?', 'db', '2025-06-28 21:24:57'),
(48, 'phone or support', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-28 21:25:15'),
(49, 'i m just chat with you', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-29 07:14:37'),
(50, 'mortgage loan', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).', 'db', '2025-06-29 07:14:50'),
(51, 'yes sure', 'I\'m not sure, but I’ll help you find out!', 'openai', '2025-06-29 07:23:46'),
(52, 'i want to about mortgage', 'Sure! A mortgage loan helps you buy a home and is paid back monthly with interest. Want to know types, process, or eligibility?', 'fuzzy_db', '2025-06-29 07:23:59'),
(53, '12121212', 'I\'m not sure, but I’ll help you find out!', 'openai', '2025-06-29 07:24:50'),
(54, 'i am intrested i movies', 'I\'m not sure, but I’ll help you find out!', 'openai', '2025-06-29 07:24:59'),
(55, 'apr?', 'I\'m not sure, but I’ll help you find out!', 'openai', '2025-06-29 07:25:24'),
(56, 'i want to connect gemini', 'Sorry, I\'m having trouble reaching the AI server right now.', 'fallback', '2025-06-29 07:33:18'),
(57, 'i want to about mortgage loan', 'Sure! A mortgage loan helps you buy a home and is paid back monthly with interest. Want to know types, process, or eligibility?', 'fuzzy_db', '2025-06-29 07:36:44'),
(58, 'todays mortgage rates', 'The lender, Bank or Mortgage Broker provides you with a large sum of money to buy a property. In return, you agree to make regular payments (principal and interest) over a set term (e.g., 15 or 30 years). Your home acts as security for the loan.', 'fuzzy_db', '2025-06-29 07:36:56'),
(59, 'laons', 'Sorry, I\'m having trouble reaching the AI server right now.', 'fallback', '2025-06-29 07:37:22'),
(60, 'home inspection?', 'A thorough examination of the property\'s condition by a qualified inspector. It\'s separate from the appraisal and identifies potential issues with the home, though it\'s typically for the buyer\'s benefit, not the lender\'s.', 'db', '2025-06-29 07:47:47'),
(61, 'my name is amir', 'Sorry, I\'m having trouble reaching the AI server right now.', 'fallback', '2025-06-29 08:01:28'),
(62, 'i\'m aleena and want to know about loans??', 'Sure! A mortgage loan helps you buy a home and is paid back monthly with interest. Want to know types, process, or eligibility?', 'fuzzy_db', '2025-06-29 08:07:58'),
(63, 'rate locks', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-29 08:35:16'),
(64, 'jumbo loan?', 'The jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. These are used for higher-priced properties and typically have stricter qualification requirements, such as higher credit scores and larger down payments.', 'db', '2025-06-29 08:35:25'),
(65, 'mortgage refinancing?', 'Replacing your existing mortgage with a new one, often to get a lower interest rate, change loan terms, or access home equity.', 'fuzzy_db', '2025-06-29 08:36:14'),
(66, 'what is a home equity line of credit (heloc) or home equity loan?', 'Ways to borrow against your home equity. A HELOC is a revolving line of credit, similar to a credit card. A Home Equity Loan is a lump-sum loan with a fixed interest rate and repayment schedule.', 'db', '2025-06-29 08:51:39'),
(67, 'loan estimate?', 'The standardized form that lenders are required to provide within three business days of receiving your loan application. It outlines the estimated interest rate, monthly payment, closing costs, and other loan terms.', 'db', '2025-06-29 08:52:52'),
(68, 'support no.', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-29 08:54:07'),
(69, 'phone no', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-29 08:54:12'),
(70, 'i need phone no', 'I\'m not sure, but I’ll help you find out!', 'fuzzy_db', '2025-06-29 08:58:25'),
(71, 'want to know about mortgage loan', 'Sure! A mortgage loan helps you buy a home and is paid back monthly with interest. Want to know types, process, or eligibility?', 'fuzzy_db', '2025-06-29 09:01:32'),
(72, 'laon', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-29 09:02:02'),
(73, 'loan', 'Common types include: Fixed-Rate Mortgage (interest rate remains the same), Adjustable-Rate Mortgage (ARM) (rate adjusts periodically), FHA Loan (government-insured with lower down payment/credit requirements), VA Loan (government-backed for veterans, often no down payment), USDA Loan (government-backed for rural/suburban homes, often no down payment), and Jumbo Loan (for higher-priced properties exceeding conforming limits).', 'db', '2025-06-29 09:02:09'),
(74, 'i need help', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-29 09:02:28'),
(75, 'need help', 'I\'m not sure, but I’ll help you find out!', 'db', '2025-06-29 09:02:35'),
(76, 'help', 'I\'m not sure, but I’ll help you find out!', 'db', '2025-06-29 09:02:39'),
(77, 'support', 'I\'m not sure, but I’ll help you find out!', 'db', '2025-06-29 09:02:45'),
(78, 'todays rates', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-29 09:07:38'),
(79, 'what’s today’s mortgage rate?', 'PMI or MIP is required when down payment is under 20%, protecting lender if borrower defaults.', 'fuzzy_db', '2025-06-29 09:07:58'),
(80, '30year jumbo', 'I\'m not sure, but I’ll help you find out!', 'ai', '2025-06-29 09:08:26'),
(81, 'rate', 'Mortgage interest rates fluctuate daily based on economic factors. You\'ll need to check current rates from lenders or online mortgage rate tables.', 'db', '2025-06-29 09:09:02'),
(82, '30year jumbo', 'I\'m not sure, but I’ll help you find out!', 'db', '2025-06-29 09:16:02');

--
-- Indexes for dumped tables
--

--
-- Indexes for table `chatbot_qa`
--
ALTER TABLE `chatbot_qa`
  ADD PRIMARY KEY (`id`);

--
-- Indexes for table `training_log`
--
ALTER TABLE `training_log`
  ADD PRIMARY KEY (`id`);

--
-- AUTO_INCREMENT for dumped tables
--

--
-- AUTO_INCREMENT for table `chatbot_qa`
--
ALTER TABLE `chatbot_qa`
  MODIFY `id` int(11) NOT NULL AUTO_INCREMENT, AUTO_INCREMENT=166;

--
-- AUTO_INCREMENT for table `training_log`
--
ALTER TABLE `training_log`
  MODIFY `id` int(11) NOT NULL AUTO_INCREMENT, AUTO_INCREMENT=83;
COMMIT;

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