# FreeRateUpdate Mortgage & Home Equity Shopping Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## FreeRateUpdate Mortgage & Home Equity Shopping

Compare today's mortgage and home equity rates from lenders in your area.

- Record: https://musedirectory.ai/connector/freerateupdate-mortgage-home-equity-shopping
- Category: Finance & Bills
- Developer: FreeRateUpdate (https://www.freerateupdate.com/mortgage-home-equity-mcp)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 392ms, checked 2026-10-29T09:45:59Z
- Endpoint: https://fru-api.freerateupdate.com/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-10-28T12:31:26Z)
- Source: Found in the official MCP Registry (com.freerateupdate/mortgage-home-equity) https://registry.modelcontextprotocol.io/v0/servers?search=com.freerateupdate%2Fmortgage-home-equity

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.

Example request: "Show me today's best 30-year fixed mortgage rates in my state and help me get personalized quotes from lenders."

How to connect: 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.

Tools:
- get_mortgage_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, th
- get_heloc_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
- get_start_link: 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 t
- get_loan_limits: The 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 f
- 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.
- 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.
- get_home_values: FreeRateUpdate 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_tax: FreeRateUpdate 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 answer
- get_state_loan_to_income: FreeRateUpdate 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_homeownership: FreeRateUpdate 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 when
- get_reference_series: Public reference time series FreeRateUpdate maintains (e.g. pmms_30yr_fixed, treasury_10yr_par), with license notes and observations.
- 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-c
- get_lender_universe: Search 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 licen

Screening checks:
- MCP handshake: pass (Answered in 429ms)
- Domain against threat feeds (Cloudflare security DNS): pass (fru-api.freerateupdate.com, www.freerateupdate.com not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (8 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (Domain registered 6725 days ago)
- AI review of purpose and tool behavior: pass (No concerns)