# US Live Mortgage Rates (FRED-sourced)

> US Live Mortgage Rates (FRED-sourced) is a paid API for AI agents from jtifhcvbgxqwlywugvjv.supabase.co, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-15).

Returns current US mortgage rates including 30-year fixed, 15-year fixed, prime rate, fed funds rate, and CPI year-over-year from FRED data

## Facts

- Endpoint: POST https://jtifhcvbgxqwlywugvjv.supabase.co/functions/v1/cortex402-mortgage-rates
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/jtifhcvbgxqwlywugvjv-supabase-co-e6076e1d
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_5uwf2r-VBYVvdGhB81pSa

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability jtifhcvbgxqwlywugvjv-supabase-co-e6076e1d -d '<json body>'
```

Example prompt: What are the current US mortgage rates right now — specifically the 30-year fixed, 15-year fixed, prime rate, fed funds rate, and CPI year-over-year?

## When to prefer this

Use this endpoint when you need a concise, pre-bundled snapshot of current US mortgage and macroeconomic rate indicators (30yr/15yr fixed, prime, fed funds, CPI YoY) in a single call, especially for real estate analysis, loan affordability calculations, or economic dashboards, without needing to query FRED directly.

## Known failure modes

- FRED data temporarily unavailable — upstream source outage
- Payment not fulfilled — x402 payment required before data is returned
- Rate data stale if FRED has not published latest update
- Empty body required but malformed JSON causes 400 error

## How this service works

Live US mortgage and macro rate snapshot. Returns 30-year and 15-year fixed mortgage rates, the prime rate, the fed funds rate, and CPI year-over-year, each with its as-of date.

## Output

Returns a bundle of live US interest rate indicators: 30-year fixed mortgage rate, 15-year fixed mortgage rate, prime lending rate, federal funds rate, and CPI year-over-year percentage change — all sourced from FRED.

## Example request

```json
{
 "input": {
  "body": {},
  "type": "http",
  "method": "POST",
  "bodyType": "json"
 }
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method",
    "bodyType",
    "body"
   ],
   "properties": {
    "body": {
     "type": "object",
     "properties": {},
     "additionalProperties": false
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json"
     ],
     "type": "string"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/jtifhcvbgxqwlywugvjv-supabase-co-e6076e1d/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from jtifhcvbgxqwlywugvjv.supabase.co](https://www.zero.xyz/host/jtifhcvbgxqwlywugvjv.supabase.co/llms.txt)