com.homemortgageonline/mortgage-tools · v1.0.0 · finance-and-payments
HomeMortgageOnline mortgage tools is healthy: it completed an MCP handshake in 788 ms and exposes 15 tools.
Read-only mortgage calculators and the site's published rate snapshot.
Endpoint: https://homemortgageonline.com/mcp (streamable-http)
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| Users (last 30 days) | 0 |
| Handshake | Healthy |
| Auth needed | None |
| Tool count | 15 |
| Latency | 788 ms |
| Last checked (UTC) | 2026-10-16T21:50:36.432Z |
| Checked (UTC) | Status | Latency | Error |
|---|---|---|---|
| 2026-10-16T21:50:36.432Z | Healthy | 788 | |
| 2026-10-15T14:40:13.441Z | Healthy | 2007 |
mortgage_payment | Monthly principal, interest, taxes, insurance, and HOA from the HomeMortgageOnline mortgage calculator. Missing inputs return "not available". Not a quote. |
affordability | 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". |
refinance_break_even | 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". |
amortization_schedule | 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". |
pmi_estimate | Monthly PMI, LTV, and the removal walk from the PMI calculator. Missing inputs return "not available". The PMI rate is not a lender quote. |
closing_costs | Cash to close from the closing-cost calculator. All fee inputs are required. Missing inputs return "not available". Not a Loan Estimate. |
loan_path_note | 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". |
published_rates | Dated national rate prints already published on HomeMortgageOnline. Omit product for the full snapshot. An unknown product returns "not available". Not a quote. |
rate_outlook | 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". |
state_rate_context | State pages repeat the national snapshot. stateSpecificRate is "not available" because the site does not publish a separate state rate. Unknown state returns "not available". |
tax_itemize | 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". |
tax_points | Points worksheet: straight-line amortization or the simplified purchase-year illustration. Missing required inputs return "not available". |
tax_pmi_treatment | PMI tax worksheet. Deductibility is not modeled unless optInCitedDeduction is true. No phaseout table is invented. Missing annual PMI returns "not available". |
tax_salt | SALT worksheet. Property tax is a cash cost. A federal deduction is returned only when saltCapAssumption is supplied. Otherwise that deduction is "not available". |
tax_take_home_piti | Take-home versus PITI worksheet. Missing required housing or take-home inputs return "not available". |