# Mortgage Qualification & Affordability API

> 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

## Facts

- Endpoint: POST https://mortgage.homelending.online/affordability?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-11
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/mortgage-qualification-affordability-api-96b5307a
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_bfxsnk5OV8wAXmjLMkZF4

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-qualification-affordability-api-96b5307a -d '<json body>'
```

Example prompt: I make $95,000 a year, have $800 in monthly debts, can put $40,000 down, and the current interest rate is 7.1% on a 30-year loan — how much home can I afford and what's the max loan I'd qualify for?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "annual_income",
  "interest_rate"
 ],
 "properties": {
  "county": {
   "type": "string"
  },
  "program": {
   "type": "string"
  },
  "target_dti": {
   "type": "number"
  },
  "term_years": {
   "type": "number"
  },
  "annual_income": {
   "type": "number"
  },
  "interest_rate": {
   "type": "number"
  },
  "monthly_debts": {
   "type": "number"
  },
  "monthly_income": {
   "type": "number"
  },
  "down_payment_available": {
   "type": "number"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "disclaimer": {
   "type": "string"
  },
  "max_home_price": {
   "type": "number"
  },
  "max_loan_amount": {
   "type": "number"
  },
  "max_monthly_piti": {
   "type": "number"
  },
  "resulting_back_end_dti": {
   "type": "number"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/mortgage-qualification-affordability-api-96b5307a/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from mortgage.homelending.online](https://www.zero.xyz/host/mortgage.homelending.online/llms.txt)