HomeMortgageOnline mortgage tools

Connect it to your AI

Claude Code

claude mcp add --transport http mortgage-tools https://homemortgageonline.com/mcp

Claude, ChatGPT, Cursor and other apps

Add it as a custom connector with this URL (Streamable HTTP):

https://homemortgageonline.com/mcp

Cursor, VS Code and other apps (mcp.json)

{
  "mcpServers": {
    "mortgage-tools": {
      "url": "https://homemortgageonline.com/mcp"
    }
  }
}

Tools it offers

15 tools, as the server itself reported during our check on Oct 31, 2026.

• mortgage_paymentMonthly principal, interest, taxes, insurance, and HOA from the HomeMortgageOnline mortgage calculator. Missing inputs return "not available". Not a quote.
• affordabilityHome price search from the affordability calculator. Every input is required. The page defaults (36% DTI, 30 years, 7.28%) are not filled in. Missing inputs return "not available".
• refinance_break_evenBreak-even months from the refinance page: closing costs divided by monthly savings, rounded up. Or pass both loans and the principal-and-interest formula supplies the savings. Missing inputs return "not available".
• amortization_scheduleFixed-payment amortization using the mortgage calculator payment and the PMI calculator's balance step. Pass loanAmount, or price and downPayment. Schedule rows over 360 months return "not available".
• pmi_estimateMonthly PMI, LTV, and the removal walk from the PMI calculator. Missing inputs return "not available". The PMI rate is not a lender quote.
• closing_costsCash to close from the closing-cost calculator. All fee inputs are required. Missing inputs return "not available". Not a Loan Estimate.
• loan_path_noteEducational loan-path note already coded on the site. goal is veteran, rural, lowdown, highprice, refi, or conventional. credit may be fair or thin. Unknown goal returns "not available".
• published_ratesDated national rate prints already published on HomeMortgageOnline. Omit product for the full snapshot. An unknown product returns "not available". Not a quote.
• rate_outlook30-year fixed history and scenario band from the rate outlook chart. Optional label such as 2024, Now, +1 mo, or +6 mo. An unknown label returns "not available".
• state_rate_contextLooks up a state on the rates-by-state page. stateSpecificRate is "not available" because the site does not publish a separate state rate. Unknown state returns "not available".
• tax_itemizeMortgage-interest worksheet. Compares qualified interest plus other itemized amounts to a standard-deduction assumption you supply. No IRS table is filled in. Missing required inputs return "not available".
• tax_pointsPoints worksheet: straight-line amortization or the simplified purchase-year illustration. Missing required inputs return "not available".
• tax_pmi_treatmentPMI tax worksheet. Deductibility is not modeled unless optInCitedDeduction is true. No phaseout table is invented. Missing annual PMI returns "not available".
• tax_saltSALT worksheet. Property tax is a cash cost. A federal deduction is returned only when saltCapAssumption is supplied. Otherwise that deduction is "not available".
• tax_take_home_pitiTake-home versus PITI worksheet. Missing required housing or take-home inputs return "not available".

Questions