Mortgage Calculator

MCP Client Setup

Add the Mortgage Calculator MCP server to your MCP client configuration:

{
  "mcpServers": {
    "mortgage-calculator": {
      "command": "curl",
      "args": [
        "-X", "POST",
        "https://apistack.online/api/mcp/finance/mortgage-calculator/sse",
        "-H", "Content-Type: application/json",
        "-H", "Authorization: Bearer YOUR_API_KEY",
        "--data-raw", "@-"
      ],
      "transport": "sse"
    }
  }
}

Replace YOUR_API_KEY with your APIStack API key from the Dashboard.

Usage Examples

Calculate Monthly Payment

// Calculate PITI payment for a $500,000 home
const payment = await mcpClient.callTool('calculate_mortgage_payment', {
  homePrice: 500000,
  downPaymentPercent: 20,
  annualRate: 6.5,
  termYears: 30,
  mortgageType: 'conventional',
  includeBreakdown: true
});

Analyze Affordability

// Determine max affordable home price
const affordability = await mcpClient.callTool('calculate_affordability', {
  monthlyIncome: 8000,
  monthlyDebts: 500,
  targetDTI: 28,
  downPaymentPercent: 20,
  annualRate: 6.5,
  termYears: 30
});

Generate Amortization Schedule

// Get complete payment schedule
const schedule = await mcpClient.callTool('generate_amortization_schedule', {
  homePrice: 400000,
  downPaymentPercent: 15,
  annualRate: 6.75,
  termYears: 30,
  mortgageType: 'conventional',
  includeAmortization: false // Set to true for full 360-month schedule
});

Analyze Refinance Options

// Compare current vs refinance mortgage
const refinanceAnalysis = await mcpClient.callTool('analyze_refinance_options', {
  homePrice: 450000,
  currentRate: 7.0,
  currentBalance: 380000,
  currentTermRemaining: 28,
  newRate: 5.5,
  newTermYears: 30,
  closingCosts: 8000
});

Compare Scenarios

// Compare 15-year vs 30-year mortgage
const comparison = await mcpClient.callTool('compare_mortgage_scenarios', {
  homePrice: 500000,
  scenarios: [
    {
      name: '30-year Fixed',
      downPaymentPercent: 20,
      annualRate: 6.5,
      termYears: 30,
      mortgageType: 'conventional'
    },
    {
      name: '15-year Fixed',
      downPaymentPercent: 20,
      annualRate: 5.875,
      termYears: 15,
      mortgageType: 'conventional'
    }
  ]
});