MCP server

FreeRateUpdate Mortgage & Home Equity Shopping Official

com.freerateupdate/mortgage-home-equity

Checked 26 Oct 2026, 08:29 UTC · Connected to it and listed its tools

Today's mortgage and home equity rates (HELOC, home equity loan, cash-out), lenders, start links.

Website

At a glance

Type

MCP server

Publisher

freerateupdate.com (verified by the MCP Registry)

Status

Working at last check

Tools

13

Token cost

About 2,365 tokens per request

Sets up in

Claude Code, Claude Desktop, Codex, Gemini CLI, Cursor, VS Code, Antigravity, ChatGPT, OpenAI API, Grok

Last checked

26 Oct 2026, 08:29 UTC

Connect it to your agent

Add to CursorAdd to VS CodeVS Code Insiders

Opens the app, which shows the server and asks you to confirm. For other apps, copy the setup below.

Claude Code

claude mcp add --transport http mortgage-home-equity https://fru-api.freerateupdate.com/mcp

Claude Desktop

Settings → Connectors → Add custom connector, and paste the URL.

Codex (config.toml)

[mcp_servers.mortgage-home-equity]
url = "https://fru-api.freerateupdate.com/mcp"

Gemini CLI

{"mcpServers":{"mortgage-home-equity":{"httpUrl":"https://fru-api.freerateupdate.com/mcp"}}}

Cursor

{"mcpServers":{"mortgage-home-equity":{"url":"https://fru-api.freerateupdate.com/mcp"}}}

VS Code

{"servers":{"mortgage-home-equity":{"type":"http","url":"https://fru-api.freerateupdate.com/mcp"}}}

Antigravity

agy mcp add mortgage-home-equity https://fru-api.freerateupdate.com/mcp

ChatGPT

Settings → Apps & Connectors → Advanced settings: turn on Developer mode, then Create a connector and paste the URL. Which plans can do this varies.

OpenAI API (Responses tools)

{"type":"mcp","server_label":"mortgage-home-equity","server_url":"https://fru-api.freerateupdate.com/mcp","require_approval":"always"}

Grok (xAI API tools)

{"type":"mcp","server_label":"mortgage-home-equity","server_url":"https://fru-api.freerateupdate.com/mcp"}

Tools

• get_content_answer ~182 tokens
  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-case flag, source cou
• get_heloc_rates ~133 tokens
  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 quote: to get the p
• get_home_values ~105 tokens
  FreeRateUpdate first-party median home value from consumers who shopped rates with us (national, or one state), rolling 12-month window, refreshed monthly.
• get_lender_score ~121 tokens
  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_lender_universe ~451 tokens
  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 licensing projection is o
• get_loan_limits ~205 tokens
  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 for FHA) and, when a
• get_mortgage_rates ~244 tokens
  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, then 30, 20, 15 and 10
• get_network_rate_summary ~99 tokens
  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_reference_series ~125 tokens
  Public reference time series FreeRateUpdate maintains (e.g. pmms_30yr_fixed, treasury_10yr_par), with license notes and observations.
• get_start_link ~172 tokens
  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 them the link.
• get_state_loan_to_income ~143 tokens
  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 ~232 tokens
  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 every state publish
• get_state_property_tax ~153 tokens
  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 can be cited.

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