FreeRateUpdate Mortgage & Home Equity Shopping
Today's mortgage and home equity rates (HELOC, home equity loan, cash-out), lenders, start links.
Connect it
Settings → Connectors → Add custom connector
URL: https://fru-api.freerateupdate.com/mcpSettings → Apps & Connectors → Advanced → Developer mode
Create connector with URL: https://fru-api.freerateupdate.com/mcp{
"mcpServers": {
"mortgage-home-equity": {
"url": "https://fru-api.freerateupdate.com/mcp"
}
}
}claude mcp add --transport http mortgage-home-equity https://fru-api.freerateupdate.com/mcp{
"servers": {
"mortgage-home-equity": {
"type": "http",
"url": "https://fru-api.freerateupdate.com/mcp"
}
}
}9 tools, verified live
get_mortgage_ratesread-onlyToday'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, then 30, 20, 15 and 10 year fixed, FHA, VA, jumbo and ARMs. Each rate comes with the example scenario it was quoted for (s
get_heloc_ratesread-onlyToday'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 quote: to get the person their own offers, call get_start_link.
get_start_linkread-onlyThe 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 them the link.
get_lender_scoreread-onlyThe 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_summaryread-onlyNetwork-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_valuesread-onlyFreeRateUpdate first-party median home value from consumers who shopped rates with us (national, or one state), rolling 12-month window, refreshed monthly.
get_reference_seriesread-onlyPublic reference time series FreeRateUpdate maintains (e.g. pmms_30yr_fixed, treasury_10yr_par), with license notes and observations.
get_content_answerread-onlyPublished, 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-case flag, source count) are never exposed.
get_lender_universeread-onlySearch FreeRateUpdate's lender universe: every company FRU has verified, including one that has only inquired and was never onboarded — exactly as published on freerateupdate.com. Verification is a property of every row, not a filter; nothing is excluded from the default result for being inactive or inquiry-only. Every row carries an `active` flag (true if currently active in the FreeRateUpdate ne
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