FreeRateUpdate Mortgage & Home Equity Shopping
Compare today's mortgage and home equity rates from lenders in your area.
Access current mortgage rates (fixed, FHA, VA, jumbo, ARM), home equity loans and HELOCs from FreeRateUpdate's network of lenders and brokers. Get rate quotes with scenario details, connect with lenders, and review lender scores.
Try asking Muse: "Show me today's best 30-year fixed mortgage rates in my state and help me get personalized quotes from lenders."
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Source: Found in the official MCP Registry (com.freerateupdate/mortgage-home-equity) · First listed October 28, 2026
Last 24 hours
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Is it safe to connect?
What Muse can see: It does not ask you to sign in, so it cannot see your accounts. It only sees what Muse sends it from your request.
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How to add it to Muse
Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
https://fru-api.freerateupdate.com/mcpNot in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
Also use it in ChatGPT or Claude
FreeRateUpdate Mortgage & Home Equity Shopping is a remote MCP server, so any assistant that can add a custom connector by link can use it. Same link, same tools.
Add it to ChatGPT
- 1
Open ChatGPT settings
In ChatGPT, open Settings, then Connectors (called Apps & Connectors on some accounts).
- 2
Turn on developer mode
Under Advanced settings, switch on Developer mode. That is what lets you add a connector by link.
- 3
Create the connector
Choose Create, give it a name, paste the link as the MCP server URL, and save. If it needs a sign-in, ChatGPT asks for it here.
- 4
Use it in a chat
Start a chat, open the tools menu, pick the connector, and ask. ChatGPT asks before it runs a tool the first time.
Custom connectors need a paid ChatGPT plan, and on Team, Enterprise and Edu accounts only an admin can add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in ChatGPT
Add it to Claude
- 1
Open Claude settings
In Claude, open Settings, then Connectors.
- 2
Add a custom connector
Choose Add custom connector, give it a name, and paste the link.
- 3
Connect and use it
If it needs a sign-in, Claude sends you to it. Then turn the connector on in a chat from the tools menu and ask.
Custom connectors are available on paid Claude plans; on Team and Enterprise accounts an admin may need to add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in Claude
https://fru-api.freerateupdate.com/mcpWhat people ask Muse to do
Technical details: safety screening, tools, response time and recent checks
Response time at the last check: 392ms. Worked in 100% of checks over 30 days.
Screening · October 28, 2026
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
Tools · 13
get_mortgage_ratesToday'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, thget_heloc_ratesToday'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 aget_start_linkThe 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 tget_loan_limitsThe conforming and FHA loan limits for the counties a five-digit ZIP code falls in, for the 2026 published schedule, as freerateupdate.com publishes them at https://www.freerateupdate.com/loan-limits. Each limit carries the official source it came from (FHFA for conforming, HUD fget_lender_scoreThe 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.get_network_rate_summaryNetwork-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.get_home_valuesFreeRateUpdate first-party median home value from consumers who shopped rates with us (national, or one state), rolling 12-month window, refreshed monthly.get_state_property_taxFreeRateUpdate state dataset: median real estate property taxes, median monthly owner costs and median home value by state from the Census ACS 5-year, with the effective tax rate as the ratio of the two medians. Attribution and the canonical page travel with the rows so an answerget_state_loan_to_incomeFreeRateUpdate first-party dataset: the median loan amount our shoppers request in each state against that state median household income, as a ratio, by product. The sample floor is published with the figures so a thin state is visible rather than implied.get_state_mortgage_free_homeownershipFreeRateUpdate state dataset: owner-occupied housing units owned free and clear (no mortgage) by state, from the Census ACS 5-year B25081, with the owner-occupied universe, the units with and without a mortgage, the derived share and the ACS vintage, plus the national figure whenget_reference_seriesPublic reference time series FreeRateUpdate maintains (e.g. pmms_30yr_fixed, treasury_10yr_par), with license notes and observations.get_content_answerPublished, 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-cget_lender_universeSearch FreeRateUpdate's published lender pages: every company the public page resolver publishes on freerateupdate.com/reviews/, and nothing else. A row shows only what that page shows: the display name, the company NMLS, the states the page shows (currently none: fru-com's licenRecent checks
Link
https://fru-api.freerateupdate.com/mcpQuestions about FreeRateUpdate Mortgage & Home Equity Shopping in Muse
How do I connect FreeRateUpdate Mortgage & Home Equity Shopping to Muse?
Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use FreeRateUpdate Mortgage & Home Equity Shopping to help me. It is a free service with an MCP server at https://fru-api.freerateupdate.com/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
Is FreeRateUpdate Mortgage & Home Equity Shopping working right now?
At the last check (October 29, 2026, 09:45 UTC) the endpoint was working, answering in 392ms. Over the last 7 days it answered 100% of health checks. It is checked every 15 minutes.
Is FreeRateUpdate Mortgage & Home Equity Shopping safe to connect to Muse?
It was screened on October 28, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
What can FreeRateUpdate Mortgage & Home Equity Shopping do in Muse?
It exposes 13 tools, including get_mortgage_rates, get_heloc_rates, get_start_link, get_loan_limits. For example, you could ask Muse: "Show me today's best 30-year fixed mortgage rates in my state and help me get personalized quotes from lenders."
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