HomeMortgageOnline mortgage tools

Tools

Token cost is the o200k count of the tools list JSON, including schemas, before any tool is called. Showing 12 of 15.

• mortgage_payment

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

• 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".

• 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 "

• 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".

• 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.

• closing_costs

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

• 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".

• 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.

• 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".

• state_rate_context

  State pages repeat the national snapshot. stateSpecificRate is "not available" because the site does not publish a separate state rate. Unknown state returns "not available".

• 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 avail

• tax_points

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