{"uid":"cap_WMbuVKQGmE8gPrEw2QOQ2","slug":"proppulse-mortgage-analysis-77e3a8ff","name":"PropPulse Mortgage Analysis","description":"Mortgage calculator and current mortgage rates: 30yr vs 15yr monthly payment breakdown, loan amount, total interest, affordability check, and lender options for any loan scenario. For homebuyer and mortgage agents.","url":"https://proppulse-gules.vercel.app/api/prop/mortgage","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":{"zip":{"type":"string","description":"legacy alias for location, implies country=US"},"debt":{"type":"string"},"down":{"type":"string"},"lang":{"type":"string","description":"en | es | fr | de | zh | pt | ar"},"income":{"type":"string"},"country":{"type":"string","description":"US | UK | CA | DE | AU | IN (optional)"},"location":{"type":"string","description":"Austin, TX | Manchester | Bengaluru"}}}},"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":{"rate_15yr":6.12,"rate_30yr":6.85,"loan_amount":420000,"recommended":"30yr for cashflow flexibility; 15yr to save $108K in interest","monthly_15yr":3580,"monthly_30yr":2758,"total_interest_15yr":164400,"total_interest_30yr":272880}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","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":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_BGedDB86Pq3zlXQ_oLwrj","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns a mortgage rate snapshot, monthly payment breakdown, affordability assessment, and lender options for a given property or loan scenario","exampleAgentPrompt":"Can you pull me a mortgage rate snapshot and full payment breakdown for a $520,000 home in Denver with 20% down, a 30-year fixed loan, and a credit score around 740?","exampleUseCases":null,"resultDescription":"Returns current mortgage rate options, a detailed monthly payment breakdown (principal, interest, taxes, insurance), an affordability rating relative to the input scenario, and a list of lender options with their rates and terms.","failureModes":["Missing required loan or property parameters returns a 400 error","Invalid or unsupported zip code may return no lender results","Payment failure or missing x402 authorization returns 402 Payment Required","Rate data may be stale if external rate feed is delayed","Extremely high or low loan amounts may fall outside supported lender range"],"whenToPreferThis":"Use this endpoint when you need a quick mortgage rate snapshot combined with payment math and lender options in a single call — ideal for home buyers evaluating a specific purchase scenario. Prefer this over the PropPulse true affordability endpoint when you need lender comparison rather than a holistic PITI+PMI cost reality check, and over the rent-vs-buy endpoint when the decision to buy is already made and the user needs financing details.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:31:37.034Z","isFirstParty":false}