MCP Server

FreeRateUpdate Mortgage & Home Equity Shopping

com.freerateupdate.www/mortgage
Finance & Investing Real Estate Public & reachable MCP 2025-11-25

What this MCP does

Provides published mortgage, HELOC, home equity, lender, home value, and refinancing rate information with lender-matching links.

get_content_answer
Published, edition-pinned GEO answer-first content — the same content the fru-com /questions/ pages serve — looked up by exact slug or a deterministic keyword match on title/slug. Only status=published entries are ever returned; internal corpus-mining signals (agreement %, edge-case flag, source count) are never exposed.
Read only Idempotent
Input schema
{'type': 'object', 'properties': {'slug': {'type': 'string', 'pattern': '^[a-z0-9_-]+$', 'description': 'Exact public URL slug'}, 'query': {'type': 'string', 'maxLength': 200, 'minLength': 1, 'description': 'Keyword search over title/slug'}}, 'additionalProperties': False}
get_heloc_rates
HELOC and home equity loan rates
Today's As Low As rates for a home equity line of credit (HELOC) and a home equity loan, the same published revision as get_mortgage_rates, with each example scenario, including the existing first-mortgage balance and the combined loan-to-value it implies. Advertised rates, not a quote: to get the person their own offers, call get_start_link.
Read only Idempotent
Input schema
{'type': 'object', 'properties': {}, 'additionalProperties': False}
get_home_values
FreeRateUpdate first-party average rate-shopper home values (national, or one state), rolling 12-month window, refreshed monthly.
Read only Idempotent
Input schema
{'type': 'object', 'properties': {'state': {'type': 'string', 'pattern': '^[A-Za-z]{2}$', 'description': 'Optional 2-letter state'}}, 'additionalProperties': False}
get_lender_score
The FreeRateUpdate Score (0-100) for a verified, currently in-network lender by company NMLS id, with factor breakdown and methodology link. Companies without a published current Score are not found.
Read only Idempotent
Input schema
{'type': 'object', 'required': ['nmls'], 'properties': {'nmls': {'type': 'string', 'pattern': '^[0-9]{1,25}$', 'description': 'Company NMLS id'}}, 'additionalProperties': False}
get_lender_universe
Search FreeRateUpdate's lender universe: every company FRU has verified, including one that has only inquired and was never onboarded — exactly as published on freerateupdate.com. Verification is a property of every row, not a filter; nothing is excluded from the default result for being inactive or inquiry-only. Every row carries an `active` flag (true if currently active in the FreeRateUpdate network, false otherwise) plus a matching disclosure sentence. No internal ids, PII, or evidence hashes are exposed.
Read only Idempotent
Input schema
{'type': 'object', 'properties': {'q': {'type': 'string', 'maxLength': 191, 'description': 'Name / DBA alias / bank-name substring'}, 'limit': {'type': 'integer', 'maximum': 200, 'minimum': 1, 'description': 'Default 25'}, 'state': {'type': 'string', 'pattern': '^[A-Za-z]{2}$', 'description': 'Optional 2-letter state'}, 'active': {'type': 'boolean', 'description': 'Optional filter on the active/not-active attribute only (never on verification): true = currently active in the network only; false = not currently active only. Omit to return both.'}}, 'additionalProperties': False}
get_mortgage_rates
Mortgage and home equity rates
Today's mortgage and home equity As Low As rates from FreeRateUpdate: the best rates and APRs we can verify being offered by lenders and brokers in our network, exactly as freerateupdate.com publishes them, one per product: HELOC, home equity loan and cash-out refinance first, then 30, 20, 15 and 10 year fixed, FHA, VA, jumbo and ARMs. Each rate comes with the example scenario it was quoted for (state, ZIP, property value, loan amount, credit score), points, fees, APR and loan-to-value. These are advertised rates, not a quote: to get the person their own offers, call get_start_link.
Read only Idempotent
Input schema
{'type': 'object', 'properties': {'purpose': {'enum': ['purchase', 'refinance', 'cash_out', 'heloc', 'home_equity'], 'type': 'string', 'description': 'Optional: only this loan purpose'}}, 'additionalProperties': False}
get_network_rate_summary
Network-aggregate advertised-rate summary (min/avg APR + distinct-lender count per product bucket, min 5 lenders per bucket) from the latest fresh FreeRateUpdate rate snapshot. Aggregates only — no per-lender rates.
Read only Idempotent
Input schema
{'type': 'object', 'properties': {}, 'additionalProperties': False}
get_reference_series
Public reference time series FreeRateUpdate maintains (e.g. pmms_30yr_fixed, treasury_10yr_par), with license notes and observations.
Read only Idempotent
Input schema
{'type': 'object', 'required': ['series_key'], 'properties': {'limit': {'type': 'integer', 'maximum': 520, 'minimum': 1, 'description': 'Most-recent N (default 52)'}, 'series_key': {'type': 'string', 'pattern': '^[a-z0-9_]+$'}}, 'additionalProperties': False}
get_start_link
Get the person matched with lenders
The link that starts a FreeRateUpdate request for one product, so lenders and brokers in our network can contact the person with their own rates and options. You can open it in the person's browser and fill in and submit the short form for them, using their own details, or give them the link.
Read only Idempotent
Input schema
{'type': 'object', 'required': ['product'], 'properties': {'product': {'enum': ['heloc', 'home-equity-loan', 'cash-out', 'refinance', 'purchase', 'home-improvement'], 'type': 'string', 'description': 'What the person wants'}}, 'additionalProperties': False}
Added
get_lender_universe
Oct. 4, 2026, 2:40 a.m.
Added
get_content_answer
Oct. 4, 2026, 2:40 a.m.
Added
get_reference_series
Oct. 4, 2026, 2:40 a.m.
Added
get_home_values
Oct. 4, 2026, 2:40 a.m.
Added
get_network_rate_summary
Oct. 4, 2026, 2:40 a.m.
Added
get_lender_score
Oct. 4, 2026, 2:40 a.m.
Added
get_start_link
Oct. 4, 2026, 2:40 a.m.
Added
get_heloc_rates
Oct. 4, 2026, 2:40 a.m.
Added
get_mortgage_rates
Oct. 4, 2026, 2:40 a.m.

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