{"uid":"cap_TAs8Ny27dJ8xIMDUN57oH","slug":"x402toll-mortgage-refinance-analysis-9b73d349","name":"x402toll Mortgage Refinance Analysis","description":"Refinance analysis: new payment, monthly savings, months to break even on closing costs, and lifetime interest saved.","url":"https://x402toll.com/v1/lending/refinance","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"newApr":{"type":"number"},"currentApr":{"type":"number"},"closingCosts":{"type":"number","default":0},"newTermMonths":{"type":"number"},"currentBalance":{"type":"number"},"currentRemainingMonths":{"type":"number"}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.05","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","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":"$0.05/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_jvRjLhi-WLJdnpltUYJ5g","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.05","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates new monthly payment, monthly savings, break-even months on closing costs, and lifetime interest saved when refinancing a mortgage.","exampleAgentPrompt":"I have a $320,000 mortgage at 7.1% APR with 300 months left. I can refinance to 5.75% APR on a new 360-month term with $4,500 in closing costs — what's my new monthly payment, monthly savings, how long to break even, and how much interest do I save over the life of the loan?","exampleUseCases":null,"resultDescription":"Returns the new monthly mortgage payment, monthly dollar savings vs. the current loan, number of months to break even on closing costs, and total lifetime interest saved by refinancing.","failureModes":["Missing required fields (currentBalance, currentApr, newApr, currentRemainingMonths, newTermMonths) return a 4xx validation error","Negative or zero values for balance or term may cause computation errors","APR values entered as percentages > 100 or nonsensical values may produce invalid results","Network or payment authorization failure returns 402 if x402 payment is not completed"],"whenToPreferThis":"Use this endpoint when a user wants a quantitative refinance decision analysis — specifically when they need break-even month calculation on closing costs, monthly savings, and lifetime interest comparison. Prefer over generic mortgage calculators because it bundles all four refinance-specific metrics in one call.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:50:04.146Z","isFirstParty":false}