# 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 down (last checked 2026-09-15).

Calculates monthly mortgage payments, affordability estimates, and debt-to-income ratios to check qualification against general agency guidelines — educational estimates only, not a pre-approval.

## Facts

- Endpoint: POST https://mortgage.homelending.online/qualify
- Price: $0.01/call
- Payment: x402
- Status: down
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/mortgage-qualification-affordability-api-dc7b8087
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_ZJ7pNfg9qJp4igZmmt5Dl

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-dc7b8087 -d '<json body>'
```

Example prompt: I earn $95,000 a year and want to buy a $420,000 home with 10% down on a 30-year loan at 6.85% interest — I also have $650 in monthly debts. Can you check whether I'd qualify under general mortgage guidelines and what my DTI ratios would look like?

## When to prefer this

Choose this endpoint when an AI agent needs a fast, low-cost educational estimate of mortgage affordability or qualification likelihood without connecting to a lender's live system. Ideal for real estate discovery flows, buyer pre-screening chatbots, or financial planning tools where a quick DTI and LTV sanity check is needed before deeper engagement. Not suitable when an actual pre-approval letter, credit pull, or rate lock is required.

## Known failure modes

- Missing required fields (annual_income or interest_rate) returns a validation error
- Invalid numeric values (negative income, zero interest rate) may produce nonsensical outputs
- Highly unusual loan parameters may trigger notes warnings without a clear pass/fail
- Results are educational estimates only — not regulatory-compliant underwriting decisions
- Network or payment failure may prevent response delivery via x402 protocol

## 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 the loan-to-value ratio (LTV), front-end and back-end debt-to-income ratios, a boolean indicating whether the scenario falls within general agency guidelines, an array of explanatory notes, and an educational disclaimer. Does not include a rate quote, credit check, or pre-approval decision.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "annual_income",
  "interest_rate"
 ],
 "properties": {
  "county": {
   "type": "string"
  },
  "program": {
   "type": "string"
  },
  "home_price": {
   "type": "number"
  },
  "term_years": {
   "type": "number"
  },
  "loan_amount": {
   "type": "number"
  },
  "down_payment": {
   "type": "number"
  },
  "annual_income": {
   "type": "number"
  },
  "interest_rate": {
   "type": "number"
  },
  "monthly_debts": {
   "type": "number"
  },
  "monthly_income": {
   "type": "number"
  },
  "down_payment_pct": {
   "type": "number"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "ltv": {
   "type": "number"
  },
  "notes": {
   "type": "array",
   "items": {
    "type": "string"
   }
  },
  "disclaimer": {
   "type": "string"
  },
  "back_end_dti": {
   "type": "number"
  },
  "front_end_dti": {
   "type": "number"
  },
  "within_general_guidelines": {
   "type": "boolean"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/mortgage-qualification-affordability-api-dc7b8087/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)