HomeMortgageOnline mortgage tools

com.homemortgageonlinePublished by homemortgageonline.comOfficial publisherv1.0.0Updated Oct 24, 2026

Read-only mortgage calculators and the site's published rate snapshot.

VerifiedStreamable HTTPWeb executableFinanceData & Analytics

Overview

AI-generated overview

A remote MCP server exposing HomeMortgageOnline's read-only mortgage calculators and published rate snapshot, so an assistant can estimate payments, costs and a

What you can do
Estimate monthly principal, interest, taxes, insurance and HOA, plus PMI, LTV and PMI removal timing, and fixed-payment amortization schedules up to 360 months. Work out affordability home price, refinance break-even months, and cash to close from closing costs. Look up dated national published rates, a 30-year fixed rate outlook with scenario labels, and state rate context. Run tax worksheets on mortgage interest itemizing, points, PMI treatment, SALT and take-home versus PITI. Return an educational loan-path note for goals such as veteran, rural, lowdown, highprice, refi or conventional.
When to use it
Useful when someone wants quick, read-only mortgage estimates or the site's published rate figures while planning a purchase, refinance or budget, without opening the website. It is an educational calculator set, not a source of personalized quotes or lending advice.
Requirements
A remote streamable HTTP endpoint at homemortgageonline.com; no package, environment variables or headers are declared. No authentication is declared. Network access to the site is needed.
Before you install
Figures are estimates, not quotes or a Loan Estimate, and the PMI rate is not a lender quote. Many tools require every input and return not available otherwise. Tax worksheets use assumptions you supply and do not model deductibility or phaseouts unless opted in. Results are read-only; no data is written.

Installation

In SourceWeft

  1. Open HomeMortgageOnline mortgage tools in the dashboard and add it to a workspace.
  2. Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/com.homemortgageonline%2Fmortgage-tools/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config.

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

README

This repository has no README.

Tools

15

mortgage_payment

Monthly principal, interest, taxes, insurance, and HOA from the HomeMortgageOnline mortgage calculator. Missing inputs return "not available". Not a quote.

ParameterspricetermYearsmonthlyHoadownPaymentannualInsuranceannualPropertyTaxannualRatePercent

affordability

Home 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".

ParameterstermYearsdtiPercentdownPaymentmonthlyDebtsinsurancePercentannualRatePercentgrossAnnualIncomepropertyTaxPercent

refinance_break_even

Break-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".

ParametersnewBalanceclosingCostsnewTermYearscurrentBalancemonthlySavingscurrentTermYearsnewAnnualRatePercentcurrentAnnualRatePercent

amortization_schedule

Fixed-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".

ParameterspricetermYearsloanAmountdownPaymentannualRatePercent

pmi_estimate

Monthly PMI, LTV, and the removal walk from the PMI calculator. Missing inputs return "not available". The PMI rate is not a lender quote.

ParameterspricetermYearsdownPaymentannualRatePercentpmiAnnualRatePercenthomeValueGrowthPercent

closing_costs

Cash to close from the closing-cost calculator. All fee inputs are required. Missing inputs return "not available". Not a Loan Estimate.

ParameterspricecreditsprepaidsdownPaymentthirdPartyFeestitleFeePercentlenderFeePercent

loan_path_note

Educational 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".

Parametersgoalcredit

published_rates

Dated national rate prints already published on HomeMortgageOnline. Omit product for the full snapshot. An unknown product returns "not available". Not a quote.

Parametersproduct

rate_outlook

30-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".

Parameterslabel

state_rate_context

Looks 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".

Parametersstate

tax_itemize

Mortgage-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".

ParametersfilingStatusotherItemizedqualifiedInterestpointsPaidThisYearacquisitionIndebtednessstandardDeductionAssumption

tax_points

Points worksheet: straight-line amortization or the simplified purchase-year illustration. Missing required inputs return "not available".

ParametersmethodloanKindtermYearspointsPaidtermMonthssellerPointsloanPrincipalmonthsOutstanding

tax_pmi_treatment

PMI tax worksheet. Deductibility is not modeled unless optInCitedDeduction is true. No phaseout table is invented. Missing annual PMI returns "not available".

ParametersannualPmioriginalLtvagiIllustrationtaxYearAssumptionoptInCitedDeduction

tax_salt

SALT worksheet. Property tax is a cash cost. A federal deduction is returned only when saltCapAssumption is supplied. Otherwise that deduction is "not available".

ParameterspropertyTaxsaltCapAssumptionstateIncomeOrSalesTax

tax_take_home_piti

Take-home versus PITI worksheet. Missing required housing or take-home inputs return "not available".

ParametersmonthlyHoamonthlyPmimonthlyTaxesannualTakeHomemonthlyInterestmonthlyTakeHomemonthlyInsurancemonthlyPrincipalotherDebtPayments

Version history

1
  1. v1.0.0LatestOct 15, 2026

Score

75% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

  • Reached in the last 30 daysRequired25 pts
  • Auth declaredRequired10 pts
  • Tools listedRequired15 pts
  • DescriptionRequired15 pts
  • Logo10 pts
  • Documentation15 pts

    Declare a GitHub repository with a README, or serve resource_documentation in the OAuth protected-resource metadata.

  • License10 pts

    Declare a license in the repository or the registry entry.