{"uid":"cap_ZJ7pNfg9qJp4igZmmt5Dl","slug":"mortgage-qualification-affordability-api-dc7b8087","name":"Mortgage Qualification & Affordability API","description":"Pay-per-call mortgage tools for AI real-estate and home-buying agents: monthly payment, affordability, and qualification against general agency guidelines. Educational estimates only — not a pre-approval, rate quote, or financial advice.","url":"https://mortgage.homelending.online/qualify","method":"POST","headers":{},"bodySchema":{"type":"object","required":["annual_income","interest_rate"],"properties":{"county":{"type":"string"},"program":{"type":"string"},"home_price":{"type":"number"},"term_years":{"type":"number"},"loan_amount":{"type":"number"},"down_payment":{"type":"number"},"annual_income":{"type":"number"},"interest_rate":{"type":"number"},"monthly_debts":{"type":"number"},"monthly_income":{"type":"number"},"down_payment_pct":{"type":"number"}}},"responseSchema":{"type":"object","properties":{"ltv":{"type":"number"},"notes":{"type":"array","items":{"type":"string"}},"disclaimer":{"type":"string"},"back_end_dti":{"type":"number"},"front_end_dti":{"type":"number"},"within_general_guidelines":{"type":"boolean"}}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","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":"down","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_CP5ODCjNUpLP4BQn17sjL","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates monthly mortgage payments, affordability estimates, and debt-to-income ratios to check qualification against general agency guidelines — educational estimates only, not a pre-approval.","exampleAgentPrompt":"I earn $95,000 a year and want to buy a $420,000 home with 10% down on a 30-year loan at 6.85% interest — I also have $650 in monthly debts. Can you check whether I'd qualify under general mortgage guidelines and what my DTI ratios would look like?","exampleUseCases":[{"title":"First-time buyer affordability check","prompt":"I make $78,000 a year and have $400 a month in existing debts. I'm looking at a $320,000 home with 5% down on a 30-year fixed at 7.1% — am I within normal mortgage qualifying guidelines and what would my front- and back-end DTI be?"},{"title":"Investment property loan qualification","prompt":"I earn $140,000 annually and carry $1,200/month in debts. I want to take out a $500,000 loan on a 30-year term at 7.5% interest with 20% down — can you tell me my LTV, DTI ratios, and whether this fits general agency lending guidelines?"},{"title":"Refinance scenario comparison","prompt":"I'm refinancing a $280,000 loan at 6.25% over 15 years. My annual income is $110,000 and I have $800 in monthly debts. What would my front-end and back-end DTI ratios be, and do I fall within standard qualification guidelines?"}],"resultDescription":"Returns the loan-to-value ratio (LTV), front-end and back-end debt-to-income ratios, a boolean indicating whether the scenario falls within general agency guidelines, an array of explanatory notes, and an educational disclaimer. Does not include a rate quote, credit check, or pre-approval decision.","failureModes":["Missing required fields (annual_income or interest_rate) returns a validation error","Invalid numeric values (negative income, zero interest rate) may produce nonsensical outputs","Highly unusual loan parameters may trigger notes warnings without a clear pass/fail","Results are educational estimates only — not regulatory-compliant underwriting decisions","Network or payment failure may prevent response delivery via x402 protocol"],"whenToPreferThis":"Choose this endpoint when an AI agent needs a fast, low-cost educational estimate of mortgage affordability or qualification likelihood without connecting to a lender's live system. Ideal for real estate discovery flows, buyer pre-screening chatbots, or financial planning tools where a quick DTI and LTV sanity check is needed before deeper engagement. Not suitable when an actual pre-approval letter, credit pull, or rate lock is required.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T19:29:07.054Z","isFirstParty":false}