# PropPulse Mortgage Refinance & Remortgage Calculator

> PropPulse Mortgage Refinance & Remortgage Calculator is a paid API for AI agents from proppulse.theaslangroupllc.com, paid per call via x402, $0.08/call, status unknown (last checked 2026-09-14).

Calculates break-even timeline, monthly/lifetime savings, cash-out availability, and new-rate estimates for mortgage refinancing or remortgaging, with jurisdiction-aware logic for US, UK, DE, CA, and AU.

## Facts

- Endpoint: GET https://proppulse.theaslangroupllc.com/api/prop/refi
- Price: $0.08/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/proppulse-mortgage-refinance-remortgage-calculator-0d3f52f1
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap__3UweGUdIw9pEMz3z_jMJ

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-refinance-remortgage-calculator-0d3f52f1
```

Example prompt: I have a US mortgage with a $320,000 remaining balance at 7.1% with 22 years left — if I refinance to 6.3% and pay $5,000 in closing costs, how long until I break even and how much do I save per month and over the life of the loan?

## When to prefer this

Use this endpoint when a homeowner or mortgage agent needs a detailed, jurisdiction-aware refinance or remortgage analysis — especially when jurisdiction-specific rules like UK ERC, German prepayment penalties, Canadian term renewals, or Australian cashback offers are relevant. Prefer this over a generic mortgage calculator when break-even timeline and lifetime savings are required outputs alongside cash-out analysis.

## Known failure modes

- Missing required inputs such as current rate or loan balance returns 400 Bad Request
- Unsupported jurisdiction code returns a validation error
- Negative savings scenario (refi not beneficial) returns result with break-even flagged as 'not reached'
- Invalid property value or loan-to-value ratio returns an estimation error
- Payment failure (x402) returns 402 Payment Required

## How this service works

Mortgage refinance/remortgage calculator: break-even timeline, monthly and lifetime savings, cash-out availability, new-rate estimate, jurisdiction-aware (US refi, UK remortgage/ERC, DE prepayment penalty, CA term renewal, AU cashback). For homeowner and mortgage agents.

## Output

Returns a break-even timeline (months), monthly payment savings, lifetime interest savings, whether cash-out equity is available and estimated amount, a new-rate estimate, and jurisdiction-specific details such as early repayment charges (UK), prepayment penalties (DE), term renewal costs (CA), or cashback offers (AU).

## 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": {
      "lang": {
       "type": "string",
       "description": "en | es | fr | de | zh | pt | ar"
      },
      "rate": {
       "type": "string",
       "description": "7.2 (current rate %)"
      },
      "balance": {
       "type": "string"
      },
      "country": {
       "type": "string",
       "description": "US | UK | CA | DE | AU | IN (optional)"
      },
      "location": {
       "type": "string",
       "description": "Manchester | Austin, TX"
      },
      "home_value": {
       "type": "string"
      },
      "years_left": {
       "type": "string"
      }
     }
    }
   },
   "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": {
  "verdict": "borderline — only worthwhile if staying 8+ years",
  "new_rate": 6.85,
  "closing_costs": 8500,
  "monthly_savings": 98,
  "breakeven_months": 87,
  "cash_out_available": 130000
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/proppulse-mortgage-refinance-remortgage-calculator-0d3f52f1/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from proppulse.theaslangroupllc.com](https://www.zero.xyz/host/proppulse.theaslangroupllc.com/llms.txt)