# LastLook Data — Refi Signal Bundle

> LastLook Data — Refi Signal Bundle is a paid API for AI agents from api.lastlookdata.com, paid per call via x402, $0.6/call, status unknown (last checked 2026-09-14).

Returns a complete refinance decision bundle including current 30yr/15yr mortgage rates, 52-week range, MBS spread, rate trend, and refi break-even threshold to help determine if a borrower should refinance.

## Facts

- Endpoint: GET https://api.lastlookdata.com/api/bundle/refi-signal
- Price: $0.6/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/lastlook-data-refi-signal-bundle-3ce8bf2c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap__cMlemoxhyCdEnpmpWxNw

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 lastlook-data-refi-signal-bundle-3ce8bf2c
```

Example prompt: Check the current refi signal — what are today's 30-year and 15-year mortgage rates, where do they sit in the 52-week range, and does the MBS spread and break-even threshold suggest a borrower should consider refinancing right now?

## When to prefer this

Use this endpoint when you need a single, pre-computed refinance decision bundle rather than assembling individual rate feeds yourself. Ideal for agent workflows that need to answer 'should this borrower refinance?' without making multiple separate API calls for mortgage rates, spreads, and trend analysis.

## Known failure modes

- Payment not provided or insufficient USDC — returns 402 Payment Required
- Upstream FRED or MBS data temporarily unavailable — may return 503 or stale data indicator
- Rate data feed delay — bundle may reflect rates from last available market close
- Malformed request headers — returns 400 Bad Request

## How this service works

LastLook Data — refinance signal bundle: current 30yr and 15yr mortgage rates, 52-week range, MBS spread, rate trend, and refi break-even threshold. Tells an AI agent whether a borrower should consider refinancing.

## Output

A JSON bundle containing current 30-year and 15-year fixed mortgage rates, their 52-week high/low range, the MBS spread, the prevailing rate trend direction, and a refi break-even threshold — along with a synthesized signal indicating whether refinancing is advisable for a typical borrower.

## 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"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {}
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/lastlook-data-refi-signal-bundle-3ce8bf2c/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.lastlookdata.com](https://www.zero.xyz/host/api.lastlookdata.com/llms.txt)