All servers · Payments & accounting · Utilities

HomeMortgageOnline mortgage tools

com.homemortgageonline/mortgage-tools · v1.0.0

Measured by MCP Station

Description written by the publisher, not verified

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

Connect

claude mcp add --transport http mortgage-tools https://homemortgageonline.com/mcp

{
  "mcpServers": {
    "mortgage-tools": {
      "url": "https://homemortgageonline.com/mcp"
    }
  }
}

Tools as reported by the server

• 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
  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".
• 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".

Tool changes

• 2026-10-18: mortgage_payment, affordability, refinance_break_even, amortization_schedule, pmi_estimate, closing_costs, loan_path_note, published_rates, rate_outlook, state_rate_context, tax_itemize, tax_points
• 2026-10-16: mortgage_payment, affordability, refinance_break_even, amortization_schedule, pmi_estimate, closing_costs, loan_path_note, published_rates, rate_outlook, state_rate_context, tax_itemize, tax_points

Repository · Website · JSON · Text for agents · Registry updated 2026-10-15