# PropPulse Mortgage Analysis

> PropPulse Mortgage Analysis is a paid API for AI agents from proppulse-gules.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).

Returns a mortgage rate snapshot, monthly payment breakdown, affordability assessment, and lender options for a given property or loan scenario

## Facts

- Endpoint: GET https://proppulse-gules.vercel.app/api/prop/mortgage
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/proppulse-mortgage-analysis-77e3a8ff
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_WMbuVKQGmE8gPrEw2QOQ2

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 proppulse-mortgage-analysis-77e3a8ff
```

Example prompt: Can you pull me a mortgage rate snapshot and full payment breakdown for a $520,000 home in Denver with 20% down, a 30-year fixed loan, and a credit score around 740?

## When to prefer this

Use this endpoint when you need a quick mortgage rate snapshot combined with payment math and lender options in a single call — ideal for home buyers evaluating a specific purchase scenario. Prefer this over the PropPulse true affordability endpoint when you need lender comparison rather than a holistic PITI+PMI cost reality check, and over the rent-vs-buy endpoint when the decision to buy is already made and the user needs financing details.

## Known failure modes

- Missing required loan or property parameters returns a 400 error
- Invalid or unsupported zip code may return no lender results
- Payment failure or missing x402 authorization returns 402 Payment Required
- Rate data may be stale if external rate feed is delayed
- Extremely high or low loan amounts may fall outside supported lender range

## How this service works

Mortgage calculator and current mortgage rates: 30yr vs 15yr monthly payment breakdown, loan amount, total interest, affordability check, and lender options for any loan scenario. For homebuyer and mortgage agents.

## Output

Returns current mortgage rate options, a detailed monthly payment breakdown (principal, interest, taxes, insurance), an affordability rating relative to the input scenario, and a list of lender options with their rates and terms.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "zip": {
       "type": "string",
       "description": "legacy alias for location, implies country=US"
      },
      "debt": {
       "type": "string"
      },
      "down": {
       "type": "string"
      },
      "lang": {
       "type": "string",
       "description": "en | es | fr | de | zh | pt | ar"
      },
      "income": {
       "type": "string"
      },
      "country": {
       "type": "string",
       "description": "US | UK | CA | DE | AU | IN (optional)"
      },
      "location": {
       "type": "string",
       "description": "Austin, TX | Manchester | Bengaluru"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "rate_15yr": 6.12,
  "rate_30yr": 6.85,
  "loan_amount": 420000,
  "recommended": "30yr for cashflow flexibility; 15yr to save $108K in interest",
  "monthly_15yr": 3580,
  "monthly_30yr": 2758,
  "total_interest_15yr": 164400,
  "total_interest_30yr": 272880
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/proppulse-mortgage-analysis-77e3a8ff/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from proppulse-gules.vercel.app](https://www.zero.xyz/host/proppulse-gules.vercel.app/llms.txt)