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Mortgage Guideline Changes API
x402
Mortgage Guideline Changes API is a paid API for AI agents from changes.homelending.online, paid per call via x402, $0.001/call, status unknown (last checked 2026-09-15).
Returns plain-language summaries of recent Fannie Mae, Freddie Mac, FHA, and VA mortgage guideline changes with effective dates, optionally filtered by agency.
Price / call$0.001
Success—
StatusUnknown
How this service works
Agent-readable Fannie Mae / Freddie Mac / FHA / VA guideline changes — plain-language what-changed with effective dates, updated monthly from official announcements, bulletins, and mortgagee letters.
Output
A JSON object containing an array of mortgage guideline change records, each with a unique ID, agency name, plain-language summary of what changed, category, effective date, and publication date. Also includes a count of returned records and a list of agencies present in the results.
Example use cases
Loan officer compliance check
“I need to stay current on Fannie Mae guidelines — can you pull the latest Fannie Mae guideline changes and summarize what's new so I know what's changed before I close loans this month?”
VA loan underwriting update review
“What's changed recently in VA loan guidelines? Give me a plain-language rundown of the latest VA mortgage guideline updates with their effective dates.”
All-agency mortgage briefing
“Can you pull the latest mortgage guideline changes across all agencies — Fannie, Freddie, FHA, and VA — and give me a summary of what's new so I can brief my team?”
Technical details
Endpoint
POSThttps://changes.homelending.online/changesWhen to prefer
Use this endpoint when you need machine-readable, plain-language summaries of official Fannie Mae, Freddie Mac, FHA, or VA mortgage guideline changes without having to parse raw PDFs, bulletins, or mortgagee letters yourself. Prefer this over general web search when you need structured, dated, agency-attributed change records suitable for compliance workflows or loan officer briefings.
Side effects
- Invalid agency filter value returns an error or empty result set
- No recent changes available returns an empty changes array
- Network or payment failure returns a 402 or 5xx error
- Stale data if the monthly update has not yet been published for the current period
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| agency | string | Optional filter: fannie | freddie | fha | va |
Output
Schema · Response
| Field | Type | Description |
|---|---|---|
| count | integer | |
| agency | string | |
| changesrequired | array | |
| agencies | array |
Tags
x402
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