HomeMortgageOnline Mortgage Tools
Mortgage calculators for payments, affordability, refinancing, PMI, closing costs, and tax deductions.
Read-only calculators from HomeMortgageOnline for mortgage payments, affordability estimates, refinance break-even analysis, amortization schedules, PMI estimates, closing costs, and mortgage-related tax worksheets. Includes published national rate snapshots and rate outlook history.
Try asking Muse: "Calculate my monthly mortgage payment including taxes, insurance, and HOA based on a home price, down payment, and interest rate."
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Source: Found in the official MCP Registry (com.homemortgageonline/mortgage-tools) · First listed October 28, 2026
Last 24 hours
Each bar is one check, every 15 minutes. Green means it answered. Last checked 3 h ago.
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.
Before it acts: Read what Muse plans to do before you approve it, and remove the app from Muse when you stop using it.
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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://homemortgageonline.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
HomeMortgageOnline Mortgage Tools 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://homemortgageonline.com/mcpWhat people ask Muse to do
Technical details: safety screening, tools, response time and recent checks
Response time at the last check: 54ms. 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 · 15
mortgage_paymentMonthly principal, interest, taxes, insurance, and HOA from the HomeMortgageOnline mortgage calculator. Missing inputs return "not available". Not a quote.affordabilityHome 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".refinance_break_evenBreak-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".amortization_scheduleFixed-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".pmi_estimateMonthly PMI, LTV, and the removal walk from the PMI calculator. Missing inputs return "not available". The PMI rate is not a lender quote.closing_costsCash to close from the closing-cost calculator. All fee inputs are required. Missing inputs return "not available". Not a Loan Estimate.loan_path_noteEducational 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".published_ratesDated national rate prints already published on HomeMortgageOnline. Omit product for the full snapshot. An unknown product returns "not available". Not a quote.rate_outlook30-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".state_rate_contextLooks 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".tax_itemizeMortgage-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".tax_pointsPoints worksheet: straight-line amortization or the simplified purchase-year illustration. Missing required inputs return "not available".tax_pmi_treatmentPMI tax worksheet. Deductibility is not modeled unless optInCitedDeduction is true. No phaseout table is invented. Missing annual PMI returns "not available".tax_saltSALT worksheet. Property tax is a cash cost. A federal deduction is returned only when saltCapAssumption is supplied. Otherwise that deduction is "not available".tax_take_home_pitiTake-home versus PITI worksheet. Missing required housing or take-home inputs return "not available".Recent checks
Link
https://homemortgageonline.com/mcpQuestions about HomeMortgageOnline Mortgage Tools in Muse
How do I connect HomeMortgageOnline Mortgage Tools to Muse?
Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use HomeMortgageOnline Mortgage Tools to help me. It is a free service with an MCP server at https://homemortgageonline.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 HomeMortgageOnline Mortgage Tools working right now?
At the last check (October 29, 2026, 08:45 UTC) the endpoint was working, answering in 54ms. Over the last 7 days it answered 100% of health checks. It is checked every 15 minutes.
Is HomeMortgageOnline Mortgage Tools 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 HomeMortgageOnline Mortgage Tools do in Muse?
It exposes 15 tools, including mortgage_payment, affordability, refinance_break_even, amortization_schedule. For example, you could ask Muse: "Calculate my monthly mortgage payment including taxes, insurance, and HOA based on a home price, down payment, and interest rate."
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