# PropPulse Refinance Analysis

> PropPulse Refinance Analysis is a paid API for AI agents from proppulse-gules.vercel.app, paid per call via x402, $0.08/call, status unknown (last checked 2026-09-15).

Analyzes a mortgage refinance scenario to produce break-even timeline, total savings projection, and cash-out option evaluation with rate timing guidance

## Facts

- Endpoint: GET https://proppulse-gules.vercel.app/api/prop/refi
- Price: $0.08/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/proppulse-refinance-analysis-737400fb
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Gt3B6n4-I_PpO07aMBzok

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-refinance-analysis-737400fb
```

Example prompt: Can you run a refinance analysis for my home — I currently have a $420,000 balance at 7.25% with 25 years left, and I can refinance to 6.5% on a new 30-year fixed with $6,000 in closing costs? I also want to see what a $50,000 cash-out option would look like.

## When to prefer this

Use this endpoint when a user wants a quantitative refinance decision framework — specifically break-even analysis, savings projections, and cash-out evaluation in a single call. Prefer this over generic mortgage calculators when the user needs rate timing context alongside the math.

## Known failure modes

- Missing required mortgage parameters returns 400 with field validation errors
- Invalid rate values (e.g. negative or >100%) return validation error
- Property value below loan balance triggers LTV warning or error
- Malformed numeric inputs return parsing error
- Service unavailability returns 503

## How this service works

Mortgage refinance calculator: break-even timeline, monthly and lifetime savings, cash-out refinance availability, new-rate estimate, and rate-timing guidance for any current loan. For homeowner and mortgage agents.

## Output

Returns a structured refinance analysis including the break-even month/timeline (how long to recoup closing costs), total interest savings over the loan life, monthly payment comparison, cash-out scenario details if requested, and guidance on whether current rate conditions favor acting now or waiting

## 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-refinance-analysis-737400fb/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)