{"uid":"cap_bfxsnk5OV8wAXmjLMkZF4","slug":"mortgage-qualification-affordability-api-96b5307a","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/affordability?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","required":["annual_income","interest_rate"],"properties":{"county":{"type":"string"},"program":{"type":"string"},"target_dti":{"type":"number"},"term_years":{"type":"number"},"annual_income":{"type":"number"},"interest_rate":{"type":"number"},"monthly_debts":{"type":"number"},"monthly_income":{"type":"number"},"down_payment_available":{"type":"number"}}},"responseSchema":{"type":"object","properties":{"disclaimer":{"type":"string"},"max_home_price":{"type":"number"},"max_loan_amount":{"type":"number"},"max_monthly_piti":{"type":"number"},"resulting_back_end_dti":{"type":"number"}}},"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":"unknown","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_wlEPHQ-0-GH32PSCKIPj6","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":"Estimates maximum home price, loan amount, and monthly PITI payment based on income, debts, and interest rate using standard agency guidelines","exampleAgentPrompt":"I make $95,000 a year, have $800 in monthly debts, can put $40,000 down, and the current interest rate is 7.1% on a 30-year loan — how much home can I afford and what's the max loan I'd qualify for?","exampleUseCases":[{"title":"First-time buyer affordability check","prompt":"I earn $75,000 a year, have $500 in monthly debt payments, and can put $20,000 down — at today's rate of 6.8% on a 30-year mortgage, what's the most expensive home I can realistically qualify for?"},{"title":"Dual-income household pre-shopping estimate","prompt":"My household brings in $140,000 annually combined, we have about $1,200 in monthly debts, $60,000 saved for a down payment, and interest rates are at 7.0% for a 30-year term — what's our max home price and monthly PITI?"},{"title":"Real estate agent client qualification screening","prompt":"My client makes $110,000 a year, carries $900 in monthly debts, has $50,000 for a down payment, and rates are currently 6.5% on a 30-year loan — can you run a quick affordability estimate so we know what price range to shop in?"}],"resultDescription":"Returns a JSON object with the estimated maximum home price, maximum loan amount, maximum monthly PITI (principal, interest, taxes, insurance) payment, the resulting back-end debt-to-income ratio, and a disclaimer noting the result is educational only and not a pre-approval or rate quote.","failureModes":["Missing required fields (annual_income or interest_rate) returns a validation error","Implausible inputs (negative income, zero interest rate) may produce nonsensical results or an error","County or program values that are unrecognized may be ignored or cause a 400 error","Network or payment failure returns a 402 or 5xx error","Results are estimates only and may not reflect actual lender guidelines or local taxes"],"whenToPreferThis":"Choose this endpoint when an AI agent needs a fast, low-cost ($0.01/call) educational estimate of mortgage affordability or qualification capacity based on income, debts, and rate — especially in real estate shopping or home-buying workflows. Prefer it over full loan origination APIs when you need a quick screening estimate without triggering a credit check or formal application. It is well-suited for conversational agents that help buyers understand their price range before engaging a lender.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-11T06:36:35.719Z","isFirstParty":false,"canonicalSlug":"mortgage-qualification-affordability-api-96b5307a"}