# HomeMortgageOnline Mortgage Tools Muse connector

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

## HomeMortgageOnline Mortgage Tools

Mortgage calculators for payments, affordability, refinancing, PMI, closing costs, and tax deductions.

- Record: https://musedirectory.ai/connector/homemortgageonline-mortgage-tools
- Category: Finance & Bills
- Developer: HomeMortgageOnline (https://homemortgageonline.com)
- 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, 95ms, checked 2026-10-29T12:30:51Z
- Endpoint: https://homemortgageonline.com/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-10-28T14:21:33Z)
- Source: Found in the official MCP Registry (com.homemortgageonline/mortgage-tools) https://registry.modelcontextprotocol.io/v0/servers?search=com.homemortgageonline%2Fmortgage-tools

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.

Example request: "Calculate my monthly mortgage payment including taxes, insurance, and HOA based on a home price, down payment, and interest rate."

How to connect: 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.

Tools:
- mortgage_payment: Monthly principal, interest, taxes, insurance, and HOA from the HomeMortgageOnline mortgage calculator. Missing inputs return "not available". Not a quote.
- affordability: 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".
- refinance_break_even: 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".
- amortization_schedule: 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".
- pmi_estimate: Monthly PMI, LTV, and the removal walk from the PMI calculator. Missing inputs return "not available". The PMI rate is not a lender quote.
- closing_costs: Cash to close from the closing-cost calculator. All fee inputs are required. Missing inputs return "not available". Not a Loan Estimate.
- loan_path_note: 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".
- published_rates: Dated national rate prints already published on HomeMortgageOnline. Omit product for the full snapshot. An unknown product returns "not available". Not a quote.
- rate_outlook: 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".
- state_rate_context: 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".
- tax_itemize: 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".
- tax_points: Points worksheet: straight-line amortization or the simplified purchase-year illustration. Missing required inputs return "not available".
- tax_pmi_treatment: PMI tax worksheet. Deductibility is not modeled unless optInCitedDeduction is true. No phaseout table is invented. Missing annual PMI returns "not available".
- tax_salt: SALT 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_piti: Take-home versus PITI worksheet. Missing required housing or take-home inputs return "not available".

Screening checks:
- MCP handshake: pass (Answered in 76ms)
- Domain against threat feeds (Cloudflare security DNS): pass (homemortgageonline.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 (15 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (Domain registered 9990 days ago)
- AI review of purpose and tool behavior: pass (No concerns)