HomeMortgageOnline mortgage tools
REMOTE · HOMEMORTGAGEONLINE.COM
Read-only mortgage calculators and the site's published rate snapshot.
Available components
Last scanned (21 hours ago)
Scores higher than 59% of remote servers
Reachable. Last reached 22 Oct 2026.
Category Finance and Payments
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security74
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability58
- AI-judged instruction clarity (fair).Partial
- Tool/resource definitions use about 1483 tokens (~98/item across 15 items; 15 tools + 0 resources), lean.Pass
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management23
- Stability observed for 7 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage73
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 18% of tool parameters carry a description.Partial
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 15 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 16 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 21 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.
- 19 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.
- 18 Oct 26 0
- Tool “state_rate_context” rewrote its description, which is the text the model reads security
- 17 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.
- 16 Oct 26 0
- Stability: unverified → 0.03 ▲ functional
- 15 Oct 26 66
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 22 Oct 2026 · Probed https://homemortgageonline.com/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=homemortgageonline.com | CN=WE1,O=Google Trust Services,C=US | 22 Sept 2026 | 21 Dec 2026 | ECDSA 256 | ECDSA-SHA256 | 183577a1816c81b90e3aba21090dd9cc |
| SANs: homemortgageonline.com | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of homemortgageonline.com. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| com. | present | 19718 | 13 | Verified |
| homemortgageonline.com. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| x-content-type-options | nosniff |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://homemortgageonline.com/mcp | Verified | 200 | |
| http (plaintext) | http://homemortgageonline.com/mcp | HTTPS enforced | 301 | https://homemortgageonline.com/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
affordability ~144
Home price search from the affordability calculator. Every input is required. The page defaults (36% DTI, 30 years, 7.28%) are not filled in. Missing inputs return "not available".
| Name | Type | Req | Description |
|---|---|---|---|
| annualRatePercent | number | – | – |
| downPayment | number | – | – |
| dtiPercent | number | – | Target back-end DTI percent. |
| grossAnnualIncome | number | – | – |
| insurancePercent | number | – | Yearly insurance as a percent of home value. |
| monthlyDebts | number | – | – |
| propertyTaxPercent | number | – | Yearly property tax as a percent of home value. |
| termYears | number | – | – |
No output schema declared.
No examples provided.
amortization_schedule ~87
Fixed-payment amortization using the mortgage calculator payment and the PMI calculator's balance step. Pass loanAmount, or price and downPayment. Schedule rows over 360 months return "not available".
| Name | Type | Req | Description |
|---|---|---|---|
| annualRatePercent | number | – | – |
| downPayment | number | – | – |
| loanAmount | number | – | – |
| price | number | – | – |
| termYears | number | – | – |
No output schema declared.
No examples provided.
closing_costs ~94
Cash to close from the closing-cost calculator. All fee inputs are required. Missing inputs return "not available". Not a Loan Estimate.
| Name | Type | Req | Description |
|---|---|---|---|
| credits | number | – | – |
| downPayment | number | – | – |
| lenderFeePercent | number | – | – |
| prepaids | number | – | – |
| price | number | – | – |
| thirdPartyFees | number | – | – |
| titleFeePercent | number | – | – |
No output schema declared.
No examples provided.
loan_path_note ~65
Educational loan-path note already coded on the site. goal is veteran, rural, lowdown, highprice, refi, or conventional. credit may be fair or thin. Unknown goal returns "not available".
| Name | Type | Req | Description |
|---|---|---|---|
| credit | string | – | – |
| goal | string | – | – |
No output schema declared.
No examples provided.
mortgage_payment ~147
Monthly principal, interest, taxes, insurance, and HOA from the HomeMortgageOnline mortgage calculator. Missing inputs return "not available". Not a quote.
| Name | Type | Req | Description |
|---|---|---|---|
| annualInsurance | number | – | Yearly homeowners insurance in dollars. |
| annualPropertyTax | number | – | Yearly property tax in dollars. |
| annualRatePercent | number | – | Annual interest rate percent. Do not omit this to use the page default. |
| downPayment | number | – | Down payment in dollars. |
| monthlyHoa | number | – | Monthly HOA dues in dollars. Send 0 when there is no HOA. |
| price | number | – | Home price in dollars. |
| termYears | number | – | Loan term in years. |
No output schema declared.
No examples provided.
pmi_estimate ~94
Monthly PMI, LTV, and the removal walk from the PMI calculator. Missing inputs return "not available". The PMI rate is not a lender quote.
| Name | Type | Req | Description |
|---|---|---|---|
| annualRatePercent | number | – | – |
| downPayment | number | – | – |
| homeValueGrowthPercent | number | – | – |
| pmiAnnualRatePercent | number | – | – |
| price | number | – | – |
| termYears | number | – | – |
No output schema declared.
No examples provided.
published_rates ~72
Dated national rate prints already published on HomeMortgageOnline. Omit product for the full snapshot. An unknown product returns "not available". Not a quote.
| Name | Type | Req | Description |
|---|---|---|---|
| product | string | – | Optional id such as 30-year-fixed, 15-year-fixed, 30-year-fha, daily-30-year-fixed. |
No output schema declared.
No examples provided.
rate_outlook ~57
30-year fixed history and scenario band from the rate outlook chart. Optional label such as 2024, Now, +1 mo, or +6 mo. An unknown label returns "not available".
| Name | Type | Req | Description |
|---|---|---|---|
| label | string | – | – |
No output schema declared.
No examples provided.
refinance_break_even ~118
Break-even months from the refinance page: closing costs divided by monthly savings, rounded up. Or pass both loans and the principal-and-interest formula supplies the savings. Missing inputs return "not available".
| Name | Type | Req | Description |
|---|---|---|---|
| closingCosts | number | – | – |
| currentAnnualRatePercent | number | – | – |
| currentBalance | number | – | – |
| currentTermYears | number | – | – |
| monthlySavings | number | – | – |
| newAnnualRatePercent | number | – | – |
| newBalance | number | – | – |
| newTermYears | number | – | – |
No output schema declared.
No examples provided.
state_rate_context ~53
Looks up a state on the rates-by-state page. stateSpecificRate is "not available" because the site does not publish a separate state rate. Unknown state returns "not available".
| Name | Type | Req | Description |
|---|---|---|---|
| state | string | – | – |
No output schema declared.
No examples provided.
tax_itemize ~122
Mortgage-interest worksheet. Compares qualified interest plus other itemized amounts to a standard-deduction assumption you supply. No IRS table is filled in. Missing required inputs return "not available".
| Name | Type | Req | Description |
|---|---|---|---|
| acquisitionIndebtedness | number | – | – |
| filingStatus | string | – | single, married_joint, married_separate, head_of_household, or surviving_spouse. |
| otherItemized | number | – | – |
| pointsPaidThisYear | number | – | – |
| qualifiedInterest | number | – | – |
| standardDeductionAssumption | number | – | – |
No output schema declared.
No examples provided.
tax_pmi_treatment ~96
PMI tax worksheet. Deductibility is not modeled unless optInCitedDeduction is true. No phaseout table is invented. Missing annual PMI returns "not available".
| Name | Type | Req | Description |
|---|---|---|---|
| agiIllustration | number | – | – |
| annualPmi | number | – | – |
| optInCitedDeduction | boolean | – | – |
| originalLtv | number | – | – |
| taxYearAssumption | string | – | – |
No output schema declared.
No examples provided.
tax_points ~110
Points worksheet: straight-line amortization or the simplified purchase-year illustration. Missing required inputs return "not available".
| Name | Type | Req | Description |
|---|---|---|---|
| loanKind | string | – | purchase or refinance. |
| loanPrincipal | number | – | – |
| method | string | – | straight_line or purchase_year. Blank uses straight_line, matching the worksheet. |
| monthsOutstanding | number | – | – |
| pointsPaid | number | – | – |
| sellerPoints | number | – | – |
| termMonths | number | – | – |
| termYears | number | – | – |
No output schema declared.
No examples provided.
tax_salt ~71
SALT worksheet. Property tax is a cash cost. A federal deduction is returned only when saltCapAssumption is supplied. Otherwise that deduction is "not available".
| Name | Type | Req | Description |
|---|---|---|---|
| propertyTax | number | – | – |
| saltCapAssumption | number | – | – |
| stateIncomeOrSalesTax | number | – | – |
No output schema declared.
No examples provided.
tax_take_home_piti ~106
Take-home versus PITI worksheet. Missing required housing or take-home inputs return "not available".
| Name | Type | Req | Description |
|---|---|---|---|
| annualTakeHome | number | – | – |
| monthlyHoa | number | – | – |
| monthlyInsurance | number | – | – |
| monthlyInterest | number | – | – |
| monthlyPmi | number | – | – |
| monthlyPrincipal | number | – | – |
| monthlyTakeHome | number | – | – |
| monthlyTaxes | number | – | – |
| otherDebtPayments | number | – | – |
No output schema declared.
No examples provided.
How do I install the HomeMortgageOnline mortgage tools MCP server?
HomeMortgageOnline mortgage tools is a hosted endpoint at https://homemortgageonline.com/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · homemortgageonline.com
claude mcp add --transport http com-homemortgageonline-mortgage-tools 'https://homemortgageonline.com/mcp'
What is the HomeMortgageOnline mortgage tools MCP server?
HomeMortgageOnline mortgage tools is an MCP server listed in the public MCP registry as com.homemortgageonline/mortgage-tools. Read-only mortgage calculators and the site's published rate snapshot. This page covers its hosted endpoint (https://homemortgageonline.com/mcp).
Is the HomeMortgageOnline mortgage tools MCP server safe to use?
HomeMortgageOnline mortgage tools scores 69 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the HomeMortgageOnline mortgage tools MCP server expose?
HomeMortgageOnline mortgage tools exposes 15 tools: mortgage_payment, affordability, refinance_break_even, amortization_schedule, pmi_estimate, and 10 more. Their descriptions and schemas cost roughly 1,436 tokens of context every time the server is loaded.
Does the HomeMortgageOnline mortgage tools MCP server require authentication?
No. We connected to HomeMortgageOnline mortgage tools without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the HomeMortgageOnline mortgage tools MCP server still maintained?
HomeMortgageOnline mortgage tools is still listed as active in the MCP registry. We last reached this channel on 22 October 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.