# Mortgage Guideline Changes API

> 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.

## Facts

- Endpoint: POST https://changes.homelending.online/changes
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/mortgage-guideline-changes-api-a14a7353
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_nG8IP4fEvDYyS39Eaw2lx

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 mortgage-guideline-changes-api-a14a7353 -d '<json body>'
```

Example prompt: What are the latest FHA mortgage guideline changes? Pull the recent updates from the mortgage guideline changes feed and filter it to just FHA.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "agency": {
   "type": "string",
   "description": "Optional filter: fannie | freddie | fha | va"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "changes"
 ],
 "properties": {
  "count": {
   "type": "integer"
  },
  "agency": {
   "type": "string"
  },
  "changes": {
   "type": "array",
   "items": {
    "type": "object",
    "properties": {
     "id": {
      "type": "string"
     },
     "agency": {
      "type": "string"
     },
     "summary": {
      "type": "string"
     },
     "category": {
      "type": "string"
     },
     "effective": {
      "type": "string"
     },
     "publication": {
      "type": "string"
     }
    }
   }
  },
  "agencies": {
   "type": "array",
   "items": {
    "type": "string"
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/mortgage-guideline-changes-api-a14a7353/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from changes.homelending.online](https://www.zero.xyz/host/changes.homelending.online/llms.txt)