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x402toll Mortgage Refinance Analysis
x402
x402toll Mortgage Refinance Analysis is a paid API for AI agents from x402toll.com, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-14).
Calculates new monthly payment, monthly savings, break-even months on closing costs, and lifetime interest saved when refinancing a mortgage.
Price / call$0.05
Success—
StatusUnknown
How this service works
Refinance analysis: new payment, monthly savings, months to break even on closing costs, and lifetime interest saved.
Output
Returns the new monthly mortgage payment, monthly dollar savings vs. the current loan, number of months to break even on closing costs, and total lifetime interest saved by refinancing.
Example use cases
Example prompt
“I have a $320,000 mortgage at 7.1% APR with 300 months left. I can refinance to 5.75% APR on a new 360-month term with $4,500 in closing costs — what's my new monthly payment, monthly savings, how long to break even, and how much interest do I save over the life of the loan?”
Technical details
Endpoint
POSThttps://x402toll.com/v1/lending/refinanceWhen to prefer
Use this endpoint when a user wants a quantitative refinance decision analysis — specifically when they need break-even month calculation on closing costs, monthly savings, and lifetime interest comparison. Prefer over generic mortgage calculators because it bundles all four refinance-specific metrics in one call.
Side effects
- Missing required fields (currentBalance, currentApr, newApr, currentRemainingMonths, newTermMonths) return a 4xx validation error
- Negative or zero values for balance or term may cause computation errors
- APR values entered as percentages > 100 or nonsensical values may produce invalid results
- Network or payment authorization failure returns 402 if x402 payment is not completed
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| newApr | number | |
| currentApr | number | |
| closingCosts | number | |
| newTermMonths | number | |
| currentBalance | number | |
| currentRemainingMonths | number |
Tags
x402
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