# HomeMortgageOnline mortgage tools (remote · homemortgageonline.com)

Read-only mortgage calculators and the site's published rate snapshot.

- Trust score: 69/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-10-22

## Components

- remote · `homemortgageonline.com`: 69/100 (this document), [markdown](https://verifymcp.io/servers/com-homemortgageonline-mortgage-tools/homemortgageonline.md), [page](https://verifymcp.io/servers/com-homemortgageonline-mortgage-tools/homemortgageonline)

## Channel facts

- Endpoint: `https://homemortgageonline.com/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-10-22.

- **Endpoint Security**: 74/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 58/100
  - AI-judged instruction clarity (fair).
  - Tool/resource definitions use about 1483 tokens (~98/item across 15 items; 15 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 23/100
  - Stability observed for 7 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 73/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 18% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 15 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 16 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### 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.

### Claude

```bash
claude mcp add --transport http com-homemortgageonline-mortgage-tools 'https://homemortgageonline.com/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "com-homemortgageonline-mortgage-tools": {
      "url": "https://homemortgageonline.com/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "com-homemortgageonline-mortgage-tools": {
      "type": "http",
      "url": "https://homemortgageonline.com/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.com-homemortgageonline-mortgage-tools]
url = "https://homemortgageonline.com/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "com-homemortgageonline-mortgage-tools": {
      "type": "remote",
      "url": "https://homemortgageonline.com/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add com-homemortgageonline-mortgage-tools --url 'https://homemortgageonline.com/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  com-homemortgageonline-mortgage-tools:
    url: "https://homemortgageonline.com/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "com-homemortgageonline-mortgage-tools": {
      "Transport": "http",
      "Url": "https://homemortgageonline.com/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add com-homemortgageonline-mortgage-tools -t streamable-http -u 'https://homemortgageonline.com/mcp'
```

### Other

```json
{
  "mcpServers": {
    "com-homemortgageonline-mortgage-tools": {
      "type": "http",
      "url": "https://homemortgageonline.com/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-10-21 (score 69, +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.

### 2026-10-19 (score 68, +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.

### 2026-10-18 (score 67, 0)

- [security] Tool “state_rate_context” rewrote its description, which is the text the model reads

### 2026-10-17 (score 67, +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.

### 2026-10-16 (score 66, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-15 (score 66)

First indexed and scored.

## MCP tools (15)

### `mortgage_payment` (~147 tokens)

Monthly principal, interest, taxes, insurance, and HOA from the HomeMortgageOnline mortgage calculator. Missing inputs return "not available". Not a quote.

Input parameters:

- `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.

### `affordability` (~144 tokens)

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".

Input parameters:

- `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)

### `refinance_break_even` (~118 tokens)

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".

Input parameters:

- `closingCosts` (number)
- `currentAnnualRatePercent` (number)
- `currentBalance` (number)
- `currentTermYears` (number)
- `monthlySavings` (number)
- `newAnnualRatePercent` (number)
- `newBalance` (number)
- `newTermYears` (number)

### `amortization_schedule` (~87 tokens)

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".

Input parameters:

- `annualRatePercent` (number)
- `downPayment` (number)
- `loanAmount` (number)
- `price` (number)
- `termYears` (number)

### `pmi_estimate` (~94 tokens)

Monthly PMI, LTV, and the removal walk from the PMI calculator. Missing inputs return "not available". The PMI rate is not a lender quote.

Input parameters:

- `annualRatePercent` (number)
- `downPayment` (number)
- `homeValueGrowthPercent` (number)
- `pmiAnnualRatePercent` (number)
- `price` (number)
- `termYears` (number)

### `closing_costs` (~94 tokens)

Cash to close from the closing-cost calculator. All fee inputs are required. Missing inputs return "not available". Not a Loan Estimate.

Input parameters:

- `credits` (number)
- `downPayment` (number)
- `lenderFeePercent` (number)
- `prepaids` (number)
- `price` (number)
- `thirdPartyFees` (number)
- `titleFeePercent` (number)

### `loan_path_note` (~65 tokens)

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".

Input parameters:

- `credit` (string)
- `goal` (string)

### `published_rates` (~72 tokens)

Dated national rate prints already published on HomeMortgageOnline. Omit product for the full snapshot. An unknown product returns "not available". Not a quote.

Input parameters:

- `product` (string): Optional id such as 30-year-fixed, 15-year-fixed, 30-year-fha, daily-30-year-fixed.

### `rate_outlook` (~57 tokens)

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".

Input parameters:

- `label` (string)

### `state_rate_context` (~53 tokens)

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".

Input parameters:

- `state` (string)

### `tax_itemize` (~122 tokens)

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".

Input parameters:

- `acquisitionIndebtedness` (number)
- `filingStatus` (string): single, married_joint, married_separate, head_of_household, or surviving_spouse.
- `otherItemized` (number)
- `pointsPaidThisYear` (number)
- `qualifiedInterest` (number)
- `standardDeductionAssumption` (number)

### `tax_points` (~110 tokens)

Points worksheet: straight-line amortization or the simplified purchase-year illustration. Missing required inputs return "not available".

Input parameters:

- `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)

### `tax_pmi_treatment` (~96 tokens)

PMI tax worksheet. Deductibility is not modeled unless optInCitedDeduction is true. No phaseout table is invented. Missing annual PMI returns "not available".

Input parameters:

- `agiIllustration` (number)
- `annualPmi` (number)
- `optInCitedDeduction` (boolean)
- `originalLtv` (number)
- `taxYearAssumption` (string)

### `tax_salt` (~71 tokens)

SALT worksheet. Property tax is a cash cost. A federal deduction is returned only when saltCapAssumption is supplied. Otherwise that deduction is "not available".

Input parameters:

- `propertyTax` (number)
- `saltCapAssumption` (number)
- `stateIncomeOrSalesTax` (number)

### `tax_take_home_piti` (~106 tokens)

Take-home versus PITI worksheet. Missing required housing or take-home inputs return "not available".

Input parameters:

- `annualTakeHome` (number)
- `monthlyHoa` (number)
- `monthlyInsurance` (number)
- `monthlyInterest` (number)
- `monthlyPmi` (number)
- `monthlyPrincipal` (number)
- `monthlyTakeHome` (number)
- `monthlyTaxes` (number)
- `otherDebtPayments` (number)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/com-homemortgageonline-mortgage-tools/homemortgageonline#diagnostics

## Score history

- 2026-10-22: 69
- 2026-10-21: 69
- 2026-10-20: 68
- 2026-10-19: 68
- 2026-10-18: 67
- 2026-10-17: 67
- 2026-10-16: 66
- 2026-10-15: 66

## Common questions

### 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.

## Links

- Remote endpoint: https://homemortgageonline.com/mcp
- Repository: https://github.com/CGABrew7/homemortgageonline
- Website: https://homemortgageonline.com/
- Changelog RSS feed: https://verifymcp.io/servers/com-homemortgageonline-mortgage-tools/homemortgageonline.xml
- Changelog JSON feed: https://verifymcp.io/servers/com-homemortgageonline-mortgage-tools/homemortgageonline.json
- HTML version of this page: https://verifymcp.io/servers/com-homemortgageonline-mortgage-tools/homemortgageonline