HomeMortgageOnline mortgage tools
Read-only mortgage calculators and the site's published rate snapshot.
| Endpoint | https://homemortgageonline.com/mcp (streamable-http) |
|---|---|
| Registry version | 1.0.0 |
| Now | 15 tools · grade A (92) · pin ts_407e38b64be96c8220a53f43f1f4d92b · protocol 2025-06-18 |
| First / last listed | 2026-10-25 06:29 UTC / 2026-10-25 06:29 UTC |
| Grade over time | 2026-10-25: A (92), 15 tools |
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Tools: 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 tax_pmi_treatment tax_salt tax_take_home_piti
mortgage_payment | Monthly principal, interest, taxes, insurance, and HOA from the HomeMortgageOnline mortgage calculator. Missing inputs return "not available". Not a quote. params: price, downPayment, annualRatePercent, termYears, annualPropertyTax, annualInsurance, monthlyHoa |
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". params: grossAnnualIncome, monthlyDebts, downPayment, annualRatePercent, termYears, propertyTaxPercent, insurancePercent, dtiPercent |
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". params: closingCosts, monthlySavings, currentBalance, currentAnnualRatePercent, currentTermYears, newBalance, newAnnualRatePercent, newTermYears |
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". params: loanAmount, price, downPayment, annualRatePercent, termYears |
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. params: price, downPayment, pmiAnnualRatePercent, homeValueGrowthPercent, annualRatePercent, termYears |
closing_costs | Cash to close from the closing-cost calculator. All fee inputs are required. Missing inputs return "not available". Not a Loan Estimate. params: price, downPayment, lenderFeePercent, titleFeePercent, thirdPartyFees, prepaids, credits |
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". params: goal, credit |
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. params: product |
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". params: label |
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". params: state |
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". params: filingStatus, qualifiedInterest, otherItemized, standardDeductionAssumption, acquisitionIndebtedness, pointsPaidThisYear |
tax_points | Points worksheet: straight-line amortization or the simplified purchase-year illustration. Missing required inputs return "not available". params: pointsPaid, loanPrincipal, sellerPoints, monthsOutstanding, termMonths, termYears, loanKind, method |
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". params: annualPmi, originalLtv, agiIllustration, optInCitedDeduction, taxYearAssumption |
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". params: propertyTax, stateIncomeOrSalesTax, saltCapAssumption |
tax_take_home_piti | Take-home versus PITI worksheet. Missing required housing or take-home inputs return "not available". params: monthlyPrincipal, monthlyInterest, monthlyTaxes, monthlyInsurance, monthlyPmi, monthlyHoa, otherDebtPayments, monthlyTakeHome, annualTakeHome |
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