# WealthPulse Mortgage Affordability Analyzer

> WealthPulse Mortgage Affordability Analyzer is a paid API for AI agents from wealthpulse-phi.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-10-27).

Analyzes home affordability given current mortgage rates and provides a buy-now vs. wait recommendation with rate context

## Facts

- Endpoint: GET https://wealthpulse-phi.vercel.app/api/wealth/mortgage?utm_source=zero.xyz
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-27
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-mortgage-affordability-analyzer-7c9f97aa
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_EGUwHPMrL_7-F2E-0HRsG

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 wealthpulse-mortgage-affordability-analyzer-7c9f97aa
```

Example prompt: Can you run a WealthPulse mortgage affordability analysis for me — I make $120,000 a year, have $60,000 saved for a down payment, about $800/month in existing debt payments, and I'm looking at homes around $450,000 in Austin, TX? Tell me if I should buy now or wait given where rates are.

## When to prefer this

Use this endpoint when a user wants a holistic mortgage affordability assessment that incorporates live rate context and a buy-vs-wait decision, rather than just a bare mortgage payment calculator. Ideal when the user is weighing timing of a home purchase against current interest rate trends.

## Known failure modes

- Missing required financial inputs such as income or home price returns a 400 error
- Invalid or out-of-range values (e.g. negative income) may return a validation error
- Service unavailability returns 5xx; retry with backoff
- Payment of 0.1 USDC not completed results in 402 Payment Required

## How this service works

How much house can I actually afford? Home-affordability calculator with max purchase price by front-end and back-end DTI, income, debt, and down payment, current 30yr rate context, and a buy-vs-wait call. For personal-finance and real-estate agents.

## Output

Returns a home affordability analysis including estimated monthly mortgage payment, debt-to-income ratio assessment, how current mortgage rate environment affects purchasing power, and a concrete buy-now vs. wait recommendation with supporting rationale.

## Example request

```json
{
 "debt": 800,
 "down": 60000,
 "lang": "en",
 "income": 120000,
 "location": "Austin TX"
}
```

## 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": {
      "debt": {
       "type": "string",
       "description": "500 (existing monthly debt payments USD)"
      },
      "down": {
       "type": "string",
       "description": "60000 (down payment USD, required)"
      },
      "lang": {
       "type": "string",
       "description": "en | es | fr | de | pt | zh"
      },
      "income": {
       "type": "string",
       "description": "95000 (annual gross USD, required)"
      },
      "location": {
       "type": "string",
       "description": "Austin, TX (default: US)"
      }
     }
    }
   },
   "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": {
  "location": "Austin, TX",
  "disclaimer": "For informational purposes only. Not financial or legal advice. Consult a licensed mortgage professional and financial advisor before making home purchase decisions.",
  "amazon_link": "https://www.amazon.com/s?k=home+buying+guide&tag=pulsenetwork7-20",
  "buy_vs_wait": "buy",
  "rate_context": {
   "rate_trend": "stable",
   "rate_impact": "A 1% rate rise adds roughly $220/month at this loan size",
   "current_15yr": "6.10%",
   "current_30yr": "6.85%"
  },
  "affordability": {
   "down_payment_pct": "15.4%",
   "recommended_home_price": "$390,000",
   "max_home_price_stretched": "$420,000",
   "monthly_payment_estimate": "$2,240 (P&I)",
   "max_home_price_conservative": "$380,000"
  },
  "amazon_search": "home buying guide",
  "buy_vs_wait_reason": "Rates are stable and local rents exceed this monthly payment",
  "first_time_buyer_programs": [
   "FHA 3.5% down",
   "TSAHC down payment assistance"
  ]
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/wealthpulse-mortgage-affordability-analyzer-7c9f97aa/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from wealthpulse-phi.vercel.app](https://www.zero.xyz/host/wealthpulse-phi.vercel.app/llms.txt)