HomeMortgageOnline mortgage tools

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

Read-only mortgage calculators and the site's published rate snapshot.

Measured statistics

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Copy this into your MCP client config:

{
  "mcpServers": {
    "HomeMortgageOnline mortgage tools": {
      "url": "https://homemortgageonline.com/mcp",
      "transport": "streamable-http"
    }
  }
}

Measured tools (15)

• mortgage_payment read-only

  Monthly principal, interest, taxes, insurance, and HOA from the HomeMortgageOnline mortgage calculator. Missing inputs return "not available". Not a quote.

  Parameters:

  • price — number — Home price in dollars.
  • termYears — number — Loan term in years.
  • monthlyHoa — number — Monthly HOA dues in dollars. Send 0 when there is no HOA.
  • downPayment — number — Down payment in dollars.
  • annualInsurance — number — Yearly homeowners insurance in dollars.
  • annualPropertyTax — number — Yearly property tax in dollars.
  • annualRatePercent — number — Annual interest rate percent. Do not omit this to use the page default.

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• affordability read-only

  Home price search from the affordability calculator. Every input is required. The page defaults (36% DTI, 30 years, 7.28%) are not filled in. Missing inputs return "not available".

  Parameters:

  • termYears — number
  • dtiPercent — number — Target back-end DTI percent.
  • downPayment — number
  • monthlyDebts — number
  • insurancePercent — number — Yearly insurance as a percent of home value.
  • annualRatePercent — number
  • grossAnnualIncome — number
  • propertyTaxPercent — number — Yearly property tax as a percent of home value.

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• refinance_break_even read-only

  Break-even months from the refinance page: closing costs divided by monthly savings, rounded up. Or pass both loans and the principal-and-interest formula supplies the savings. Missing inputs return "not available".

  Parameters:

  • newBalance — number
  • closingCosts — number
  • newTermYears — number
  • currentBalance — number
  • monthlySavings — number
  • currentTermYears — number
  • newAnnualRatePercent — number
  • currentAnnualRatePercent — number

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• amortization_schedule read-only

  Fixed-payment amortization using the mortgage calculator payment and the PMI calculator's balance step. Pass loanAmount, or price and downPayment. Schedule rows over 360 months return "not available".

  Parameters:

  • price — number
  • termYears — number
  • loanAmount — number
  • downPayment — number
  • annualRatePercent — number

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• pmi_estimate read-only

  Monthly PMI, LTV, and the removal walk from the PMI calculator. Missing inputs return "not available". The PMI rate is not a lender quote.

  Parameters:

  • price — number
  • termYears — number
  • downPayment — number
  • annualRatePercent — number
  • pmiAnnualRatePercent — number
  • homeValueGrowthPercent — number

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• closing_costs read-only

  Cash to close from the closing-cost calculator. All fee inputs are required. Missing inputs return "not available". Not a Loan Estimate.

  Parameters:

  • price — number
  • credits — number
  • prepaids — number
  • downPayment — number
  • thirdPartyFees — number
  • titleFeePercent — number
  • lenderFeePercent — number

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• loan_path_note read-only

  Educational loan-path note already coded on the site. goal is veteran, rural, lowdown, highprice, refi, or conventional. credit may be fair or thin. Unknown goal returns "not available".

  Parameters:

  • goal — string
  • credit — string

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• published_rates read-only

  Dated national rate prints already published on HomeMortgageOnline. Omit product for the full snapshot. An unknown product returns "not available". Not a quote.

  Parameters:

  • product — string — Optional id such as 30-year-fixed, 15-year-fixed, 30-year-fha, daily-30-year-fixed.

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• rate_outlook read-only

  30-year fixed history and scenario band from the rate outlook chart. Optional label such as 2024, Now, +1 mo, or +6 mo. An unknown label returns "not available".

  Parameters:

  • label — string

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• state_rate_context read-only

  Looks up a state on the rates-by-state page. stateSpecificRate is "not available" because the site does not publish a separate state rate. Unknown state returns "not available".

  Parameters:

  • state — string

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• tax_itemize read-only

  Mortgage-interest worksheet. Compares qualified interest plus other itemized amounts to a standard-deduction assumption you supply. No IRS table is filled in. Missing required inputs return "not available".

  Parameters:

  • filingStatus — string — single, married_joint, married_separate, head_of_household, or surviving_spouse.
  • otherItemized — number
  • qualifiedInterest — number
  • pointsPaidThisYear — number
  • acquisitionIndebtedness — number
  • standardDeductionAssumption — number

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• tax_points read-only

  Points worksheet: straight-line amortization or the simplified purchase-year illustration. Missing required inputs return "not available".

  Parameters:

  • method — string — straight_line or purchase_year. Blank uses straight_line, matching the worksheet.
  • loanKind — string — purchase or refinance.
  • termYears — number
  • pointsPaid — number
  • termMonths — number
  • sellerPoints — number
  • loanPrincipal — number
  • monthsOutstanding — number

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• tax_pmi_treatment read-only

  PMI tax worksheet. Deductibility is not modeled unless optInCitedDeduction is true. No phaseout table is invented. Missing annual PMI returns "not available".

  Parameters:

  • annualPmi — number
  • originalLtv — number
  • agiIllustration — number
  • taxYearAssumption — string
  • optInCitedDeduction — boolean

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• tax_salt read-only

  SALT worksheet. Property tax is a cash cost. A federal deduction is returned only when saltCapAssumption is supplied. Otherwise that deduction is "not available".

  Parameters:

  • propertyTax — number
  • saltCapAssumption — number
  • stateIncomeOrSalesTax — number

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

• tax_take_home_piti read-only

  Take-home versus PITI worksheet. Missing required housing or take-home inputs return "not available".

  Parameters:

  • monthlyHoa — number
  • monthlyPmi — number
  • monthlyTaxes — number
  • annualTakeHome — number
  • monthlyInterest — number
  • monthlyTakeHome — number
  • monthlyInsurance — number
  • monthlyPrincipal — number
  • otherDebtPayments — number

  Hints: read-only yes · destructive no · idempotent not declared · open-world no

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