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Mortgage Qualification & Affordability API
x402
Mortgage Qualification & Affordability API is a paid API for AI agents from mortgage.homelending.online, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-11).
Estimates maximum home price, loan amount, and monthly PITI payment based on income, debts, and interest rate using standard agency guidelines
Price / call$0.01
Success—
StatusUnknown
How this service works
Pay-per-call mortgage tools for AI real-estate and home-buying agents: monthly payment, affordability, and qualification against general agency guidelines. Educational estimates only — not a pre-approval, rate quote, or financial advice.
Output
Returns a JSON object with the estimated maximum home price, maximum loan amount, maximum monthly PITI (principal, interest, taxes, insurance) payment, the resulting back-end debt-to-income ratio, and a disclaimer noting the result is educational only and not a pre-approval or rate quote.
Example use cases
First-time buyer affordability check
“I earn $75,000 a year, have $500 in monthly debt payments, and can put $20,000 down — at today's rate of 6.8% on a 30-year mortgage, what's the most expensive home I can realistically qualify for?”
Dual-income household pre-shopping estimate
“My household brings in $140,000 annually combined, we have about $1,200 in monthly debts, $60,000 saved for a down payment, and interest rates are at 7.0% for a 30-year term — what's our max home price and monthly PITI?”
Real estate agent client qualification screening
“My client makes $110,000 a year, carries $900 in monthly debts, has $50,000 for a down payment, and rates are currently 6.5% on a 30-year loan — can you run a quick affordability estimate so we know what price range to shop in?”
Technical details
Endpoint
POSThttps://mortgage.homelending.online/affordability?utm_source=zero.xyzWhen to prefer
Choose this endpoint when an AI agent needs a fast, low-cost ($0.01/call) educational estimate of mortgage affordability or qualification capacity based on income, debts, and rate — especially in real estate shopping or home-buying workflows. Prefer it over full loan origination APIs when you need a quick screening estimate without triggering a credit check or formal application. It is well-suited for conversational agents that help buyers understand their price range before engaging a lender.
Side effects
- Missing required fields (annual_income or interest_rate) returns a validation error
- Implausible inputs (negative income, zero interest rate) may produce nonsensical results or an error
- County or program values that are unrecognized may be ignored or cause a 400 error
- Network or payment failure returns a 402 or 5xx error
- Results are estimates only and may not reflect actual lender guidelines or local taxes
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| county | string | |
| program | string | |
| target_dti | number | |
| term_years | number | |
| annual_incomerequired | number | |
| interest_raterequired | number | |
| monthly_debts | number | |
| monthly_income | number | |
| down_payment_available | number |
Output
Schema · Response
| Field | Type | Description |
|---|---|---|
| disclaimer | string | |
| max_home_price | number | |
| max_loan_amount | number | |
| max_monthly_piti | number | |
| resulting_back_end_dti | number |
Tags
x402
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