{"citations":{"source_mix":{"company_owned":12,"independent":25,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":15,"partial":9},"total_sources":37,"unique_domain_count":21},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Low Down Payment Mortgage Lenders (3-5% Down Conventional)","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai"],"predicate":"final_consensus_rank","qualifier":"low down payment conventional purchase","subject":"Better.com","unit":"rank","value":2},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-29","platform_support":["anthropic","deepseek","google","grok","kimi","openai"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Better.com","unit":"platforms","value":6},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-29","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"strong","subject":"Better.com","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-29","platform_support":["openai","anthropic","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"good","subject":"Better.com","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-29","platform_support":["deepseek"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Better.com","unit":"platforms","value":1}],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","entities":[{"average_rank":4.666666666666667,"best_rank":1,"entity_id":"entity-001","entity_type":"company","final_rank":2,"name":"Better.com","platform_mentions":6,"platform_share":0.8571428571428571}],"identity":{"dataset_url":"https://mortgageconsensusindex.com/datasets/home-purchase-mortgage-lenders/low-down-payment-conventional-purchase/better-com.json","page_url":"https://mortgageconsensusindex.com/home-purchase-mortgage-lenders/low-down-payment-conventional-purchase/better-com","report_type":"fit_review","study_id":"MCI-STUDY-BF27E29D01B5","title":"Better.com Review for Low-Down-Payment Conventional Loans"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation.","Citations are platform-reported evidence, not independently verified facts. No-search model claims require explicit verification before being described as current facts."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Mortgage Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-29 07:11:36.631166+00","research_date":"2026-09-29","source_snapshot_sha256":"cebc253853f7f9d1e11e4fd0a79d5568f7133537b355aa66c5bd1265055dbd39","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":22,"qualified_finalists":10,"ranking_unit":"Mortgage lender"},"schema_version":4,"summary":"Better.com is a good — not conclusively best — fit for a strong-credit buyer who wants a 3%–5% down conventional purchase loan and is comfortable with a mostly digital process. Six of the seven platforms in this study named Better.com during the ranking stage, and five of seven rated it a \"good\" fit, with one \"strong\" and one \"mixed.\" The strongest reason to consider it is an advertised 3% down conventional pathway (including Fannie Mae HomeReady for eligible buyers) combined with zero lender origination, application, and underwriting fees and fast advertised preapproval. The main limitation…","target_buyer":"A buyer with strong credit but limited cash savings who wants a conventional loan with a minimal down payment.","topic":{"base_category":"Home Purchase Mortgage Lenders","category_criteria":["minimum down payment threshold","PMI cost structure","conventional loan flexibility","approval speed","rate competitiveness"],"geography":"United States","slug":"best-low-down-payment-mortgage-lenders-3-5-down-conventional","title":"Best Low Down Payment Mortgage Lenders (3-5% Down Conventional)","use_case":"low down payment conventional purchase"}}