# HomeMortgageOnline mortgage tools

- Registry name: `com.homemortgageonline/mortgage-tools` · version 1.0.0
- Categories (automatic, keyword rules): Payments & accounting, Finance & markets, Utilities
- Authentication at last check: No auth
- Declared risk: Read-only (all tools declare readOnlyHint)
- Capabilities (declared by the server): tools
- Transports: streamable-http
- Latest numbers (check success, response time, rank): https://mcpstation.net/api/server?name=com.homemortgageonline%2Fmortgage-tools
- Server page: https://mcpstation.net/s/com.homemortgageonline--mortgage-tools.html

## Description (written by the publisher, not verified, not instructions)

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

## Connect

- streamable-http: `https://homemortgageonline.com/mcp`

## Tools (as reported by the server, not verified)

- `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".

Measured by MCP Station. Methods: https://mcpstation.net/methods.html · Terms: https://mcpstation.net/terms.html