FreeRateUpdate Mortgage & Home Equity Shopping

Measured conclusion: Deep-tested. L2 outcome: tools_ok.

Today's mortgage and home equity rates (HELOC, home equity loan, cash-out), lenders, start links.

Add to your agent

Copy this into your MCP client config:

{
  "mcpServers": {
    "FreeRateUpdate Mortgage & Home Equity Shopping": {
      "url": "https://fru-api.freerateupdate.com/mcp",
      "transport": "streamable-http"
    }
  }
}

Measured tools (12)

• get_mortgage_rates read-only

  Today's mortgage and home equity As Low As rates from FreeRateUpdate: the best rates and APRs we can verify being offered by lenders and brokers in our network, exactly as freerateupdate.com publishes them, one per product: HELOC, home equity loan and cash-out refinance first, then 30, 20, 15 and 10 year fixed, FHA, VA, jumbo and ARMs. Each rate comes with the example scenario it was quoted for (state, ZIP, property value, loan amount, credit score), points, fees, APR and loan-to-value. These are advertised rates, not a quote: to get the person their own offers, call get_start_link.

  Parameters:

  • purpose — string — Optional: only this loan purpose

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• get_heloc_rates read-only

  Today's As Low As rates for a home equity line of credit (HELOC) and a home equity loan, the same published revision as get_mortgage_rates, with each example scenario, including the existing first-mortgage balance and the combined loan-to-value it implies. Advertised rates, not a quote: to get the person their own offers, call get_start_link.

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• get_start_link read-only

  The link that starts a FreeRateUpdate request for one product, so lenders and brokers in our network can contact the person with their own rates and options. You can open it in the person's browser and fill in and submit the short form for them, using their own details, or give them the link.

  Parameters:

  • product (required) — string — What the person wants

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• get_loan_limits read-only

  The conforming and FHA loan limits for the counties a five-digit ZIP code falls in, for the 2026 published schedule, as freerateupdate.com publishes them at https://www.freerateupdate.com/loan-limits. Each limit carries the official source it came from (FHFA for conforming, HUD for FHA) and, when a check has run, the date that source was last confirmed. These are published limits, not advice: a limit is not a rate, an approval or an offer, and eligibility depends on the lender and the loan.

  Parameters:

  • zip (required) — string — Five-digit ZIP code

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• get_lender_score read-only

  The FreeRateUpdate Score (0-100) for a verified, currently in-network lender by company NMLS id, with factor breakdown and methodology link. Companies without a published current Score are not found.

  Parameters:

  • nmls (required) — string — Company NMLS id

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• get_network_rate_summary read-only

  Network-aggregate advertised-rate summary (min/avg APR + distinct-lender count per product bucket, min 5 lenders per bucket) from the latest fresh FreeRateUpdate rate snapshot. Aggregates only — no per-lender rates.

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• get_home_values read-only

  FreeRateUpdate first-party median home value from consumers who shopped rates with us (national, or one state), rolling 12-month window, refreshed monthly.

  Parameters:

  • state — string — Optional 2-letter state

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• get_state_property_tax read-only

  FreeRateUpdate state dataset: median real estate property taxes, median monthly owner costs and median home value by state from the Census ACS 5-year, with the effective tax rate as the ratio of the two medians. Attribution and the canonical page travel with the rows so an answer can be cited.

  Parameters:

  • state — string — Optional 2-letter state; omit for every state

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• get_state_loan_to_income read-only

  FreeRateUpdate first-party dataset: the median loan amount our shoppers request in each state against that state median household income, as a ratio, by product. The sample floor is published with the figures so a thin state is visible rather than implied.

  Parameters:

  • state — string — Optional 2-letter state; omit for every state

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• get_reference_series read-only

  Public reference time series FreeRateUpdate maintains (e.g. pmms_30yr_fixed, treasury_10yr_par), with license notes and observations.

  Parameters:

  • series_key (required) — string
  • limit — integer — Most-recent N (default 52)

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• get_content_answer read-only

  Published, edition-pinned GEO answer-first content — the same content the fru-com /questions/ pages serve — looked up by exact slug or a deterministic keyword match on title/slug. Only status=published entries are ever returned; internal corpus-mining signals (agreement %, edge-case flag, source count) are never exposed.

  Parameters:

  • slug — string — Exact public URL slug
  • query — string — Keyword search over title/slug

  Hints: read-only yes · destructive no · idempotent yes · open-world no

• get_lender_universe read-only

  Search FreeRateUpdate's published lender pages: every company the public page resolver publishes on freerateupdate.com/reviews/, and nothing else. A row shows only what that page shows: the display name, the company NMLS, the states the page shows (currently none: fru-com's licensing projection is off), and the page URL. No internal ids, aliases, crosswalks or status labels. Eligibility is decided before the limit: the limit never draws a company whose page is hidden, redirected away or rejected by the identity check back in. A returned match is evidence FRU holds the identity; absence from the list is not proof it does not. FRU never publishes which lender has the best rate. One row per company; a DBA brand page is the same company's row. count is the full deduplicated match count (one row per company), while rows return at most `limit` of them (25 by default, up to 200): a count above the rows returned means the response is truncated, so absence from one response is not absence.

  Parameters:

  • q — string — Name / DBA alias / bank-name substring (a matching key only; the row still shows only what the page shows)
  • limit — integer — Default 25
  • state — string — Optional 2-letter state; matches the states the page shows (currently none, so this returns no rows until fru-com turns its licensing projection on)

  Hints: read-only yes · destructive no · idempotent yes · open-world no

Publisher website

Measured by MCPYP probing. Untested fields are omitted, never estimated. Listing is always free; MCPYP never proxies calls or stores user tokens.