{"uid":"cap_Gt3B6n4-I_PpO07aMBzok","slug":"proppulse-refinance-analysis-737400fb","name":"PropPulse Refinance Analysis","description":"Mortgage refinance calculator: break-even timeline, monthly and lifetime savings, cash-out refinance availability, new-rate estimate, and rate-timing guidance for any current loan. For homeowner and mortgage agents.","url":"https://proppulse-gules.vercel.app/api/prop/refi","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","properties":{"lang":{"type":"string","description":"en | es | fr | de | zh | pt | ar"},"rate":{"type":"string","description":"7.2 (current rate %)"},"balance":{"type":"string"},"country":{"type":"string","description":"US | UK | CA | DE | AU | IN (optional)"},"location":{"type":"string","description":"Manchester | Austin, TX"},"home_value":{"type":"string"},"years_left":{"type":"string"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","example":{"verdict":"borderline — only worthwhile if staying 8+ years","new_rate":6.85,"closing_costs":8500,"monthly_savings":98,"breakeven_months":87,"cash_out_available":130000}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.08","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.08/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.08","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_qKwEVZ1Dd4oLf4MPxB0KE","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.08","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Analyzes a mortgage refinance scenario to produce break-even timeline, total savings projection, and cash-out option evaluation with rate timing guidance","exampleAgentPrompt":"Can you run a refinance analysis for my home — I currently have a $420,000 balance at 7.25% with 25 years left, and I can refinance to 6.5% on a new 30-year fixed with $6,000 in closing costs? I also want to see what a $50,000 cash-out option would look like.","exampleUseCases":null,"resultDescription":"Returns a structured refinance analysis including the break-even month/timeline (how long to recoup closing costs), total interest savings over the loan life, monthly payment comparison, cash-out scenario details if requested, and guidance on whether current rate conditions favor acting now or waiting","failureModes":["Missing required mortgage parameters returns 400 with field validation errors","Invalid rate values (e.g. negative or >100%) return validation error","Property value below loan balance triggers LTV warning or error","Malformed numeric inputs return parsing error","Service unavailability returns 503"],"whenToPreferThis":"Use this endpoint when a user wants a quantitative refinance decision framework — specifically break-even analysis, savings projections, and cash-out evaluation in a single call. Prefer this over generic mortgage calculators when the user needs rate timing context alongside the math.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T00:35:57.864Z","isFirstParty":false}