{"openapi":"3.1.0","info":{"title":"MITEY U.S. mortgage decision API","version":"2026-10-23.3","description":"Public, stateless educational calculations and source-linked retrieval. No personal details, approval, application submission or provider quote. Numeric calculation inputs are not stored by this application."},"servers":[{"url":"https://batonrougemortgagerates.com"}],"paths":{"/api/v1/private-lending":{"get":{"operationId":"getPrivateLendingResearch","summary":"Dated provider facts and review schedule, not live quotes.","parameters":[],"responses":{"200":{"description":"Successful result with method, limitations and primary sources.","content":{"application/json":{"schema":{"type":"object"}}}},"404":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}},"422":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}}}}},"/api/v1/portals/{domain}/local-plan":{"get":{"operationId":"getLocalPropertyPlan","summary":"Read a source-linked property planning file. An optional property-state selection does not resolve an unassigned edition identity.","parameters":[{"name":"domain","in":"path","required":true,"schema":{"type":"string","minLength":3,"maxLength":253}},{"name":"state","in":"query","schema":{"type":"string","pattern":"^[A-Z]{2}$"}}],"responses":{"200":{"description":"Successful result with method, limitations and primary sources.","content":{"application/json":{"schema":{"type":"object"}}}},"404":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}},"422":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}}}}},"/api/v1/tools":{"get":{"operationId":"listCalculators","summary":"Discover tools and full input schemas.","parameters":[],"responses":{"200":{"description":"Successful result with method, limitations and primary sources.","content":{"application/json":{"schema":{"type":"object"}}}},"404":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}},"422":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}}}}},"/api/v1/calculate":{"post":{"operationId":"calculateMortgageScenario","summary":"Run one validated calculation.","requestBody":{"required":true,"content":{"application/json":{"schema":{"oneOf":[{"type":"object","properties":{"toolId":{"const":"mortgage-payment"},"inputs":{"type":"object","properties":{"price":{"type":"number","minimum":1,"maximum":1000000000,"description":"Home price","default":450000},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Down payment","default":90000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"tax":{"type":"number","minimum":0,"maximum":10000000,"description":"Annual property tax","default":4500},"insurance":{"type":"number","minimum":0,"maximum":10000000,"description":"Annual home insurance","default":1800},"hoa":{"type":"number","minimum":0,"maximum":1000000,"description":"Monthly HOA","default":0},"pmi":{"type":"number","minimum":0,"maximum":10,"description":"Annual PMI assumption","default":0},"extra":{"type":"number","minimum":0,"maximum":10000000,"description":"Extra monthly principal","default":0}},"required":["price","down","rate","years","tax","insurance","hoa","pmi","extra"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"extra-payments"},"inputs":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Loan principal","default":360000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Payments / months","default":360},"extraMonthly":{"type":"number","minimum":0,"maximum":1000000000,"description":"Extra principal each month","default":200},"annualExtra":{"type":"number","minimum":0,"maximum":1000000000,"description":"Extra principal every twelfth month","default":0},"lumpSum":{"type":"number","minimum":0,"maximum":1000000000,"description":"One-time principal payment","default":0},"lumpMonth":{"type":"integer","minimum":1,"maximum":600,"description":"Month of one-time payment","default":12}},"required":["principal","rate","months","extraMonthly","annualExtra","lumpSum","lumpMonth"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"affordability"},"inputs":{"type":"object","properties":{"income":{"type":"number","minimum":0,"maximum":1000000000,"description":"Annual gross income","default":120000},"debt":{"type":"number","minimum":0,"maximum":10000000,"description":"Monthly non-housing debt","default":500},"ratio":{"type":"number","minimum":1,"maximum":65,"description":"Chosen total debt-to-income budget %","default":36},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Available down payment","default":90000},"tax":{"type":"number","minimum":0,"maximum":10000000,"description":"Annual property tax","default":4500},"insurance":{"type":"number","minimum":0,"maximum":10000000,"description":"Annual insurance","default":1800},"hoa":{"type":"number","minimum":0,"maximum":1000000,"description":"Monthly HOA","default":0},"pmi":{"type":"number","minimum":0,"maximum":10,"description":"Annual PMI assumption","default":0}},"required":["income","debt","ratio","rate","years","down","tax","insurance","hoa","pmi"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"refinance"},"inputs":{"type":"object","properties":{"balance":{"type":"number","minimum":1,"maximum":1000000000,"description":"Current loan balance","default":360000},"oldRate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":7},"oldYears":{"type":"integer","minimum":1,"maximum":50,"description":"Remaining years","default":27},"newRate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6},"newYears":{"type":"integer","minimum":1,"maximum":50,"description":"Proposed years","default":30},"costs":{"type":"number","minimum":0,"maximum":100000000,"description":"Costs paid in cash","default":6000}},"required":["balance","oldRate","oldYears","newRate","newYears","costs"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"quote-horizon"},"inputs":{"type":"object","properties":{"loan":{"type":"number","minimum":0,"maximum":1000000000,"description":"Identical loan amount","default":360000},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"holdingMonths":{"type":"integer","minimum":1,"maximum":600,"description":"Expected holding months","default":60},"rateA":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"rateB":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.25},"pointsA":{"type":"number","minimum":0,"maximum":20,"description":"Offer A discount points %","default":0},"pointsB":{"type":"number","minimum":0,"maximum":20,"description":"Offer B discount points %","default":1},"feesA":{"type":"number","minimum":0,"maximum":1000000000,"description":"Offer A other lender fees","default":3500},"feesB":{"type":"number","minimum":0,"maximum":1000000000,"description":"Offer B other lender fees","default":3500}},"required":["loan","years","holdingMonths","rateA","rateB","pointsA","pointsB","feesA","feesB"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"cash-to-close"},"inputs":{"type":"object","properties":{"price":{"type":"number","minimum":0,"maximum":1000000000,"description":"Purchase price","default":450000},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Down payment","default":90000},"lender":{"type":"number","minimum":0,"maximum":1000000000,"description":"Lender charges","default":3000},"title":{"type":"number","minimum":0,"maximum":1000000000,"description":"Title & settlement charges","default":2200},"prepaids":{"type":"number","minimum":0,"maximum":1000000000,"description":"Prepaids & initial escrow","default":4000},"other":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other charges and taxes","default":1500},"credits":{"type":"number","minimum":0,"maximum":1000000000,"description":"Seller / lender credits","default":0},"deposit":{"type":"number","minimum":0,"maximum":1000000000,"description":"Earnest money already paid","default":5000}},"required":["price","down","lender","title","prepaids","other","credits","deposit"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"rent-versus-buy"},"inputs":{"type":"object","properties":{"price":{"type":"number","minimum":0,"maximum":1000000000,"description":"Purchase price","default":450000},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Down payment","default":90000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"loanYears":{"type":"integer","minimum":1,"maximum":50,"description":"Mortgage years","default":30},"horizonYears":{"type":"integer","minimum":1,"maximum":50,"description":"Comparison horizon / years","default":7},"monthlyRent":{"type":"number","minimum":0,"maximum":1000000000,"description":"Starting monthly rent","default":2400},"rentGrowth":{"type":"number","minimum":-20,"maximum":30,"description":"Annual rent growth %","default":2},"appreciation":{"type":"number","minimum":-20,"maximum":30,"description":"Annual home value change %","default":2},"investmentReturn":{"type":"number","minimum":-50,"maximum":30,"description":"Annual investment return assumption %","default":4},"buyingCosts":{"type":"number","minimum":0,"maximum":1000000000,"description":"Purchase closing costs","default":10000},"sellingCostPercent":{"type":"number","minimum":0,"maximum":20,"description":"Selling costs % of final value","default":6},"annualTax":{"type":"number","minimum":0,"maximum":1000000000,"description":"Starting annual property tax","default":4500},"annualInsurance":{"type":"number","minimum":0,"maximum":1000000000,"description":"Starting annual insurance","default":1800},"monthlyHoa":{"type":"number","minimum":0,"maximum":1000000000,"description":"Starting monthly HOA","default":0},"expenseGrowth":{"type":"number","minimum":-20,"maximum":30,"description":"Annual tax/insurance/HOA growth %","default":2},"maintenancePercent":{"type":"number","minimum":0,"maximum":20,"description":"Annual maintenance % of home value","default":1}},"required":["price","down","rate","loanYears","horizonYears","monthlyRent","rentGrowth","appreciation","investmentReturn","buyingCosts","sellingCostPercent","annualTax","annualInsurance","monthlyHoa","expenseGrowth","maintenancePercent"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"interest-only"},"inputs":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Outstanding principal","default":500000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":8}},"required":["principal","rate"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"dscr"},"inputs":{"type":"object","properties":{"annualNoi":{"type":"number","minimum":0,"maximum":1000000000,"description":"Annual net operating income","default":60000},"annualDebtService":{"type":"number","minimum":0.01,"maximum":1000000000,"description":"Annual debt service","default":48000}},"required":["annualNoi","annualDebtService"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"rental-cash-flow"},"inputs":{"type":"object","properties":{"monthlyRent":{"type":"number","minimum":0,"maximum":1000000000,"description":"Gross monthly rent","default":3500},"otherAnnualIncome":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other annual property income","default":0},"vacancyPercent":{"type":"number","minimum":0,"maximum":100,"description":"Vacancy / collection loss %","default":5},"annualOperatingCosts":{"type":"number","minimum":0,"maximum":1000000000,"description":"Annual operating costs incl. tax/insurance","default":12000},"annualCapitalReserve":{"type":"number","minimum":0,"maximum":1000000000,"description":"Annual capital reserve","default":2500},"monthlyDebtService":{"type":"number","minimum":0,"maximum":1000000000,"description":"Monthly debt service","default":2100},"cashInvested":{"type":"number","minimum":0,"maximum":1000000000,"description":"Cash invested","default":120000}},"required":["monthlyRent","otherAnnualIncome","vacancyPercent","annualOperatingCosts","annualCapitalReserve","monthlyDebtService","cashInvested"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"commercial-mortgage"},"inputs":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Loan principal","default":360000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Payments / months","default":360},"termMonths":{"type":"integer","minimum":1,"maximum":600,"description":"Maturity / months","default":60},"interestOnlyMonths":{"type":"integer","minimum":0,"maximum":599,"description":"Initial interest-only months","default":0},"extraMonthly":{"type":"number","minimum":0,"maximum":1000000000,"description":"Extra principal per month","default":0}},"required":["principal","rate","months","termMonths","interestOnlyMonths","extraMonthly"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"construction-loan"},"inputs":{"type":"object","properties":{"loanLimit":{"type":"number","minimum":0,"maximum":1000000000,"description":"Construction loan commitment","default":600000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":9},"months":{"type":"integer","minimum":1,"maximum":60,"description":"Construction period / months","default":12},"originationPercent":{"type":"number","minimum":0,"maximum":20,"description":"Origination fee % of commitment","default":1},"draws":{"type":"array","items":{"type":"object","properties":{"month":{"type":"integer","minimum":1,"maximum":60},"amount":{"type":"number","minimum":0,"maximum":1000000000}},"required":["month","amount"],"additionalProperties":false},"minItems":1,"maxItems":120,"description":"Draws occur at the start of the specified month; monthly interest is paid in cash.","default":[{"month":1,"amount":150000},{"month":4,"amount":150000},{"month":7,"amount":150000},{"month":10,"amount":150000}]}},"required":["loanLimit","rate","months","originationPercent","draws"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"bridge-loan"},"inputs":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Bridge principal","default":500000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":10},"months":{"type":"integer","minimum":1,"maximum":120,"description":"Term / months","default":12},"originationPercent":{"type":"number","minimum":0,"maximum":20,"description":"Entry fee %","default":2},"exitPercent":{"type":"number","minimum":0,"maximum":20,"description":"Exit fee %","default":0},"capitalizeInterest":{"type":"boolean","description":"Add interest to the balance","default":false}},"required":["principal","rate","months","originationPercent","exitPercent","capitalizeInterest"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"heloc"},"inputs":{"type":"object","properties":{"creditLimit":{"type":"number","minimum":0,"maximum":1000000000,"description":"Credit limit","default":150000},"initialDraw":{"type":"number","minimum":0,"maximum":1000000000,"description":"Initial draw","default":50000},"monthlyDraw":{"type":"number","minimum":0,"maximum":1000000000,"description":"Additional draw at each month start","default":0},"monthlyPrincipal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Voluntary principal payment during draw","default":0},"drawMonths":{"type":"integer","minimum":1,"maximum":240,"description":"Draw phase / months","default":60},"drawRate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":8},"repaymentMonths":{"type":"integer","minimum":1,"maximum":600,"description":"Repayment phase / months","default":180},"repaymentRate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":9}},"required":["creditLimit","initialDraw","monthlyDraw","monthlyPrincipal","drawMonths","drawRate","repaymentMonths","repaymentRate"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"arm"},"inputs":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Loan principal","default":360000},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"initialRate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":5.5},"fixedMonths":{"type":"integer","minimum":1,"maximum":599,"description":"Initial fixed-rate months","default":60},"resetMonths":{"type":"integer","minimum":1,"maximum":120,"description":"Months between resets","default":12},"margin":{"type":"number","minimum":0,"maximum":20,"description":"Margin over index / percentage points","default":2.5},"initialCap":{"type":"number","minimum":0,"maximum":20,"description":"First-reset change cap / points","default":2},"periodicCap":{"type":"number","minimum":0,"maximum":20,"description":"Later-reset change cap / points","default":1},"lifetimeCap":{"type":"number","minimum":0,"maximum":20,"description":"Lifetime increase over initial / points","default":5},"floor":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":0},"extraMonthly":{"type":"number","minimum":0,"maximum":1000000000,"description":"Extra monthly principal","default":0},"indexPath":{"type":"array","items":{"type":"number","minimum":0,"maximum":30},"minItems":1,"maxItems":50,"description":"Index assumptions at successive resets","default":[5,6,7]}},"required":["principal","years","initialRate","fixedMonths","resetMonths","margin","initialCap","periodicCap","lifetimeCap","floor","extraMonthly","indexPath"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"fha"},"inputs":{"type":"object","properties":{"price":{"type":"number","minimum":0,"maximum":1000000000,"description":"Home price","default":350000},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Down payment","default":20000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"upfrontPercent":{"type":"number","minimum":0,"maximum":10,"description":"Quoted upfront insurance %","default":0},"annualInsurancePercent":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":0},"insuranceMonths":{"type":"integer","minimum":0,"maximum":600,"description":"Months to charge modeled insurance","default":360},"financeUpfront":{"type":"boolean","description":"Finance the upfront charge","default":true}},"required":["price","down","rate","years","upfrontPercent","annualInsurancePercent","insuranceMonths","financeUpfront"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"va"},"inputs":{"type":"object","properties":{"price":{"type":"number","minimum":0,"maximum":1000000000,"description":"Purchase price","default":450000},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Down payment","default":0},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"upfrontPercent":{"type":"number","minimum":0,"maximum":10,"description":"Quoted funding fee %","default":0},"financeUpfront":{"type":"boolean","description":"Finance funding fee","default":true},"feeExempt":{"type":"boolean","description":"Confirmed funding-fee exemption","default":false}},"required":["price","down","rate","years","upfrontPercent","financeUpfront","feeExempt"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"usda"},"inputs":{"type":"object","properties":{"price":{"type":"number","minimum":0,"maximum":1000000000,"description":"Purchase price","default":300000},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Down payment","default":0},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"upfrontPercent":{"type":"number","minimum":0,"maximum":10,"description":"Quoted upfront guarantee fee %","default":0},"annualInsurancePercent":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":0},"insuranceMonths":{"type":"integer","minimum":0,"maximum":600,"description":"Annual-charge duration / months","default":360},"financeUpfront":{"type":"boolean","description":"Finance the upfront fee","default":true}},"required":["price","down","rate","years","upfrontPercent","annualInsurancePercent","insuranceMonths","financeUpfront"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"cash-out-refinance"},"inputs":{"type":"object","properties":{"homeValue":{"type":"number","minimum":0,"maximum":1000000000,"description":"Home value assumption","default":600000},"currentBalance":{"type":"number","minimum":0,"maximum":1000000000,"description":"Existing debt to repay","default":300000},"targetLtv":{"type":"number","minimum":1,"maximum":100,"description":"Target combined loan-to-value %","default":75},"closingCosts":{"type":"number","minimum":0,"maximum":1000000000,"description":"Closing costs paid from proceeds","default":8000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30}},"required":["homeValue","currentBalance","targetLtv","closingCosts","rate","years"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"recast"},"inputs":{"type":"object","properties":{"balance":{"type":"number","minimum":0,"maximum":1000000000,"description":"Current balance","default":360000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"remainingMonths":{"type":"integer","minimum":1,"maximum":600,"description":"Remaining months","default":300},"lumpSum":{"type":"number","minimum":0,"maximum":1000000000,"description":"Principal lump sum","default":50000},"fee":{"type":"number","minimum":0,"maximum":1000000000,"description":"Recast fee","default":300}},"required":["balance","rate","remainingMonths","lumpSum","fee"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"buydown"},"inputs":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Mortgage principal","default":360000},"noteRate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"firstYearReduction":{"type":"number","minimum":0,"maximum":10,"description":"First-year rate reduction / points","default":2},"secondYearReduction":{"type":"number","minimum":0,"maximum":10,"description":"Second-year rate reduction / points","default":1}},"required":["principal","noteRate","years","firstYearReduction","secondYearReduction"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"loan-to-value"},"inputs":{"type":"object","properties":{"homeValue":{"type":"number","minimum":0.01,"maximum":1000000000,"description":"Home value","default":600000},"firstLoan":{"type":"number","minimum":0,"maximum":1000000000,"description":"First loan balance","default":360000},"otherLoans":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other property-secured balances","default":50000}},"required":["homeValue","firstLoan","otherLoans"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"debt-to-income"},"inputs":{"type":"object","properties":{"annualIncome":{"type":"number","minimum":0.01,"maximum":1000000000,"description":"Annual gross income","default":120000},"monthlyHousing":{"type":"number","minimum":0,"maximum":1000000000,"description":"Monthly housing obligation","default":3000},"monthlyOtherDebt":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other monthly debt","default":500}},"required":["annualIncome","monthlyHousing","monthlyOtherDebt"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"down-payment-savings"},"inputs":{"type":"object","properties":{"target":{"type":"number","minimum":0,"maximum":1000000000,"description":"Savings target","default":90000},"startingBalance":{"type":"number","minimum":0,"maximum":1000000000,"description":"Starting savings","default":20000},"monthlyContribution":{"type":"number","minimum":0,"maximum":1000000000,"description":"Contribution at each month end","default":1000},"annualReturn":{"type":"number","minimum":-50,"maximum":30,"description":"Annual effective return assumption %","default":3},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Savings horizon / months","default":60}},"required":["target","startingBalance","monthlyContribution","annualReturn","months"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"debt-payoff"},"inputs":{"type":"object","properties":{"balance":{"type":"number","minimum":0,"maximum":1000000000,"description":"Debt balance","default":25000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":12},"monthlyPayment":{"type":"number","minimum":0,"maximum":1000000000,"description":"Monthly payment","default":700}},"required":["balance","rate","monthlyPayment"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"land-loan"},"inputs":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Loan principal","default":360000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Payments / months","default":360},"termMonths":{"type":"integer","minimum":1,"maximum":600,"description":"Loan maturity / months","default":60}},"required":["principal","rate","months","termMonths"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"equipment-loan"},"inputs":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Financed equipment amount","default":100000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":8},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Monthly payments","default":60},"residual":{"type":"number","minimum":0,"maximum":1000000000,"description":"Residual / balloon at end","default":10000}},"required":["principal","rate","months","residual"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"auto-loan"},"inputs":{"type":"object","properties":{"price":{"type":"number","minimum":0,"maximum":1000000000,"description":"Vehicle price","default":35000},"taxableAmount":{"type":"number","minimum":0,"maximum":1000000000,"description":"Amount subject to sales tax","default":35000},"salesTaxPercent":{"type":"number","minimum":0,"maximum":20,"description":"Applicable sales tax %","default":0},"fees":{"type":"number","minimum":0,"maximum":1000000000,"description":"Financed fees/add-ons","default":500},"cashDown":{"type":"number","minimum":0,"maximum":1000000000,"description":"Cash down payment","default":5000},"tradeValue":{"type":"number","minimum":0,"maximum":1000000000,"description":"Trade-in value","default":0},"tradePayoff":{"type":"number","minimum":0,"maximum":1000000000,"description":"Trade loan payoff","default":0},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":8},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Monthly payments","default":60}},"required":["price","taxableAmount","salesTaxPercent","fees","cashDown","tradeValue","tradePayoff","rate","months"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"personal-loan"},"inputs":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Loan principal","default":360000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Payments / months","default":360}},"required":["principal","rate","months"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"mortgage-penalty-us"},"inputs":{"type":"object","properties":{"method":{"type":"integer","minimum":0,"maximum":2,"description":"Contract charge method","default":1},"balance":{"type":"number","minimum":1,"maximum":1000000000,"description":"Outstanding balance","default":400000},"prepayment":{"type":"number","minimum":0,"maximum":1000000000,"description":"Principal to repay","default":400000},"allowedPrepayment":{"type":"number","minimum":0,"maximum":1000000000,"description":"Confirmed allowance usable for this transaction","default":0},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Contract annual interest rate %","default":6},"penaltyPercent":{"type":"number","minimum":0,"maximum":20,"description":"Applicable contractual penalty %","default":2},"interestMonths":{"type":"number","minimum":0,"maximum":60,"description":"Contractual months of interest","default":3},"monthsSinceClosing":{"type":"integer","minimum":0,"maximum":600,"description":"Completed months since closing","default":18},"penaltyWindowMonths":{"type":"integer","minimum":0,"maximum":600,"description":"Contract penalty window / months","default":36},"adminFees":{"type":"number","minimum":0,"maximum":1000000000,"description":"Discharge / administration charges","default":300},"newLoanCosts":{"type":"number","minimum":0,"maximum":1000000000,"description":"Separate new-loan closing costs","default":4000},"monthlySavings":{"type":"number","minimum":0,"maximum":1000000000,"description":"Estimated monthly payment savings","default":250}},"required":["method","balance","prepayment","allowedPrepayment","rate","penaltyPercent","interestMonths","monthsSinceClosing","penaltyWindowMonths","adminFees","newLoanCosts","monthlySavings"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"mortgage-penalty-ca"},"inputs":{"type":"object","properties":{"method":{"type":"integer","minimum":0,"maximum":2,"description":"Contract structure","default":2},"balance":{"type":"number","minimum":1,"maximum":1000000000,"description":"Outstanding balance","default":400000},"prepayment":{"type":"number","minimum":0,"maximum":1000000000,"description":"Principal to repay","default":400000},"allowedPrepayment":{"type":"number","minimum":0,"maximum":1000000000,"description":"Confirmed allowance usable for this transaction","default":0},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Contract annual interest rate %","default":6},"irdContractRate":{"type":"number","minimum":0,"maximum":40,"description":"Lender-specified first rate for IRD %","default":6},"comparisonRate":{"type":"number","minimum":0,"maximum":40,"description":"Lender-specified adjusted comparison rate %","default":4},"monthsRemaining":{"type":"integer","minimum":0,"maximum":600,"description":"Months remaining in the mortgage term","default":36},"adminFees":{"type":"number","minimum":0,"maximum":1000000000,"description":"Discharge / administration charges","default":300},"newLoanCosts":{"type":"number","minimum":0,"maximum":1000000000,"description":"Separate new-loan closing costs","default":4000},"monthlySavings":{"type":"number","minimum":0,"maximum":1000000000,"description":"Estimated monthly payment savings","default":250}},"required":["method","balance","prepayment","allowedPrepayment","rate","irdContractRate","comparisonRate","monthsRemaining","adminFees","newLoanCosts","monthlySavings"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"private-loan-cost"},"inputs":{"type":"object","properties":{"principal":{"type":"number","minimum":1,"maximum":1000000000,"description":"Committed and fully advanced principal","default":500000},"rate":{"type":"number","minimum":0,"maximum":60,"description":"Annual simple interest rate %","default":10},"months":{"type":"integer","minimum":1,"maximum":120,"description":"Loan holding period / months","default":12},"originationPercent":{"type":"number","minimum":0,"maximum":30,"description":"Origination points %","default":2},"exitPercent":{"type":"number","minimum":0,"maximum":30,"description":"Exit fee %","default":1},"otherFees":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other charges withheld upfront","default":1500}},"required":["principal","rate","months","originationPercent","exitPercent","otherFees"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"factor-cost"},"inputs":{"type":"object","properties":{"advance":{"type":"number","minimum":1,"maximum":1000000000,"description":"Gross advance","default":100000},"factor":{"type":"number","minimum":1,"maximum":5,"description":"Repayment factor / multiplier","default":1.3},"fees":{"type":"number","minimum":0,"maximum":1000000000,"description":"Fees withheld upfront","default":2000},"payments":{"type":"integer","minimum":1,"maximum":600,"description":"Number of equal scheduled payments","default":52}},"required":["advance","factor","fees","payments"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false},{"type":"object","properties":{"toolId":{"const":"invoice-factoring-cost"},"inputs":{"type":"object","properties":{"invoice":{"type":"number","minimum":1,"maximum":1000000000,"description":"Invoice face value","default":100000},"advancePercent":{"type":"number","minimum":1,"maximum":100,"description":"Advance % of invoice","default":85},"feePercent":{"type":"number","minimum":0,"maximum":20,"description":"Fee % of invoice for each period","default":1.5},"periodDays":{"type":"integer","minimum":1,"maximum":365,"description":"Days per fee period","default":30},"collectionDays":{"type":"integer","minimum":1,"maximum":3650,"description":"Days until customer pays","default":45},"otherFees":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other fees deducted from reserve","default":100}},"required":["invoice","advancePercent","feePercent","periodDays","collectionDays","otherFees"],"additionalProperties":false},"includeSchedule":{"type":"boolean","default":false}},"required":["toolId","inputs"],"additionalProperties":false}]}}}},"responses":{"200":{"description":"Successful result with method, limitations and primary sources.","content":{"application/json":{"schema":{"type":"object"}}}},"400":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}},"413":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}},"415":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}},"422":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}}}}},"/api/v1/compare":{"post":{"operationId":"compareMortgageScenarios","summary":"Run up to eight explicitly labeled independent scenarios.","requestBody":{"required":true,"content":{"application/json":{"schema":{"type":"object","properties":{"scenarios":{"type":"array","minItems":1,"maxItems":8,"items":{"type":"object","properties":{"id":{"type":"string","minLength":1,"maxLength":80},"toolId":{"type":"string"},"inputs":{"type":"object"}},"required":["id","toolId","inputs"],"additionalProperties":false}}},"required":["scenarios"],"additionalProperties":false}}}},"responses":{"200":{"description":"Successful result with method, limitations and primary sources.","content":{"application/json":{"schema":{"type":"object"}}}},"400":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}},"413":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}},"415":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}},"422":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}}}}},"/api/v1/rates":{"get":{"operationId":"getNationalMortgageBenchmarks","summary":"Get dated national benchmarks, not city lender offers.","parameters":[],"responses":{"200":{"description":"Successful result with method, limitations and primary sources.","content":{"application/json":{"schema":{"type":"object"}}}},"404":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}},"422":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}}}}},"/api/v1/portals":{"get":{"operationId":"listMortgagePortals","summary":"Public edition profiles and geography status.","parameters":[],"responses":{"200":{"description":"Successful result with method, limitations and primary sources.","content":{"application/json":{"schema":{"type":"object"}}}},"404":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}},"422":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}}}}},"/api/v1/answers":{"get":{"operationId":"findMortgageAnswers","summary":"Find source-linked guides and methods.","parameters":[{"name":"q","in":"query","required":true,"schema":{"type":"string","minLength":2,"maxLength":300}},{"name":"domain","in":"query","schema":{"type":"string"}},{"name":"state","in":"query","description":"Property-state references for an explicitly selected geographic edition; does not resolve its identity.","schema":{"type":"string","pattern":"^[A-Z]{2}$"}},{"name":"limit","in":"query","schema":{"type":"integer","minimum":1,"maximum":10,"default":5}}],"responses":{"200":{"description":"Successful result with method, limitations and primary sources.","content":{"application/json":{"schema":{"type":"object"}}}},"404":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}},"422":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}}}}},"/api/v1/guides/{slug}":{"get":{"operationId":"getMortgageGuide","summary":"Retrieve a complete published guide.","parameters":[{"name":"slug","in":"path","required":true,"schema":{"type":"string"}}],"responses":{"200":{"description":"Successful result with method, limitations and primary sources.","content":{"application/json":{"schema":{"type":"object"}}}},"404":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}},"422":{"description":"Invalid request or calculation inputs.","content":{"application/json":{"schema":{"type":"object","properties":{"error":{"type":"string"}},"required":["error"]}}}}}}}},"components":{"schemas":{"mortgage-payment":{"type":"object","properties":{"price":{"type":"number","minimum":1,"maximum":1000000000,"description":"Home price","default":450000},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Down payment","default":90000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"tax":{"type":"number","minimum":0,"maximum":10000000,"description":"Annual property tax","default":4500},"insurance":{"type":"number","minimum":0,"maximum":10000000,"description":"Annual home insurance","default":1800},"hoa":{"type":"number","minimum":0,"maximum":1000000,"description":"Monthly HOA","default":0},"pmi":{"type":"number","minimum":0,"maximum":10,"description":"Annual PMI assumption","default":0},"extra":{"type":"number","minimum":0,"maximum":10000000,"description":"Extra monthly principal","default":0}},"required":["price","down","rate","years","tax","insurance","hoa","pmi","extra"],"additionalProperties":false},"extra-payments":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Loan principal","default":360000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Payments / months","default":360},"extraMonthly":{"type":"number","minimum":0,"maximum":1000000000,"description":"Extra principal each month","default":200},"annualExtra":{"type":"number","minimum":0,"maximum":1000000000,"description":"Extra principal every twelfth month","default":0},"lumpSum":{"type":"number","minimum":0,"maximum":1000000000,"description":"One-time principal payment","default":0},"lumpMonth":{"type":"integer","minimum":1,"maximum":600,"description":"Month of one-time payment","default":12}},"required":["principal","rate","months","extraMonthly","annualExtra","lumpSum","lumpMonth"],"additionalProperties":false},"affordability":{"type":"object","properties":{"income":{"type":"number","minimum":0,"maximum":1000000000,"description":"Annual gross income","default":120000},"debt":{"type":"number","minimum":0,"maximum":10000000,"description":"Monthly non-housing debt","default":500},"ratio":{"type":"number","minimum":1,"maximum":65,"description":"Chosen total debt-to-income budget %","default":36},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Available down payment","default":90000},"tax":{"type":"number","minimum":0,"maximum":10000000,"description":"Annual property tax","default":4500},"insurance":{"type":"number","minimum":0,"maximum":10000000,"description":"Annual insurance","default":1800},"hoa":{"type":"number","minimum":0,"maximum":1000000,"description":"Monthly HOA","default":0},"pmi":{"type":"number","minimum":0,"maximum":10,"description":"Annual PMI assumption","default":0}},"required":["income","debt","ratio","rate","years","down","tax","insurance","hoa","pmi"],"additionalProperties":false},"refinance":{"type":"object","properties":{"balance":{"type":"number","minimum":1,"maximum":1000000000,"description":"Current loan balance","default":360000},"oldRate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":7},"oldYears":{"type":"integer","minimum":1,"maximum":50,"description":"Remaining years","default":27},"newRate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6},"newYears":{"type":"integer","minimum":1,"maximum":50,"description":"Proposed years","default":30},"costs":{"type":"number","minimum":0,"maximum":100000000,"description":"Costs paid in cash","default":6000}},"required":["balance","oldRate","oldYears","newRate","newYears","costs"],"additionalProperties":false},"quote-horizon":{"type":"object","properties":{"loan":{"type":"number","minimum":0,"maximum":1000000000,"description":"Identical loan amount","default":360000},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"holdingMonths":{"type":"integer","minimum":1,"maximum":600,"description":"Expected holding months","default":60},"rateA":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"rateB":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.25},"pointsA":{"type":"number","minimum":0,"maximum":20,"description":"Offer A discount points %","default":0},"pointsB":{"type":"number","minimum":0,"maximum":20,"description":"Offer B discount points %","default":1},"feesA":{"type":"number","minimum":0,"maximum":1000000000,"description":"Offer A other lender fees","default":3500},"feesB":{"type":"number","minimum":0,"maximum":1000000000,"description":"Offer B other lender fees","default":3500}},"required":["loan","years","holdingMonths","rateA","rateB","pointsA","pointsB","feesA","feesB"],"additionalProperties":false},"cash-to-close":{"type":"object","properties":{"price":{"type":"number","minimum":0,"maximum":1000000000,"description":"Purchase price","default":450000},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Down payment","default":90000},"lender":{"type":"number","minimum":0,"maximum":1000000000,"description":"Lender charges","default":3000},"title":{"type":"number","minimum":0,"maximum":1000000000,"description":"Title & settlement charges","default":2200},"prepaids":{"type":"number","minimum":0,"maximum":1000000000,"description":"Prepaids & initial escrow","default":4000},"other":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other charges and taxes","default":1500},"credits":{"type":"number","minimum":0,"maximum":1000000000,"description":"Seller / lender credits","default":0},"deposit":{"type":"number","minimum":0,"maximum":1000000000,"description":"Earnest money already paid","default":5000}},"required":["price","down","lender","title","prepaids","other","credits","deposit"],"additionalProperties":false},"rent-versus-buy":{"type":"object","properties":{"price":{"type":"number","minimum":0,"maximum":1000000000,"description":"Purchase price","default":450000},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Down payment","default":90000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"loanYears":{"type":"integer","minimum":1,"maximum":50,"description":"Mortgage years","default":30},"horizonYears":{"type":"integer","minimum":1,"maximum":50,"description":"Comparison horizon / years","default":7},"monthlyRent":{"type":"number","minimum":0,"maximum":1000000000,"description":"Starting monthly rent","default":2400},"rentGrowth":{"type":"number","minimum":-20,"maximum":30,"description":"Annual rent growth %","default":2},"appreciation":{"type":"number","minimum":-20,"maximum":30,"description":"Annual home value change %","default":2},"investmentReturn":{"type":"number","minimum":-50,"maximum":30,"description":"Annual investment return assumption %","default":4},"buyingCosts":{"type":"number","minimum":0,"maximum":1000000000,"description":"Purchase closing costs","default":10000},"sellingCostPercent":{"type":"number","minimum":0,"maximum":20,"description":"Selling costs % of final value","default":6},"annualTax":{"type":"number","minimum":0,"maximum":1000000000,"description":"Starting annual property tax","default":4500},"annualInsurance":{"type":"number","minimum":0,"maximum":1000000000,"description":"Starting annual insurance","default":1800},"monthlyHoa":{"type":"number","minimum":0,"maximum":1000000000,"description":"Starting monthly HOA","default":0},"expenseGrowth":{"type":"number","minimum":-20,"maximum":30,"description":"Annual tax/insurance/HOA growth %","default":2},"maintenancePercent":{"type":"number","minimum":0,"maximum":20,"description":"Annual maintenance % of home value","default":1}},"required":["price","down","rate","loanYears","horizonYears","monthlyRent","rentGrowth","appreciation","investmentReturn","buyingCosts","sellingCostPercent","annualTax","annualInsurance","monthlyHoa","expenseGrowth","maintenancePercent"],"additionalProperties":false},"interest-only":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Outstanding principal","default":500000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":8}},"required":["principal","rate"],"additionalProperties":false},"dscr":{"type":"object","properties":{"annualNoi":{"type":"number","minimum":0,"maximum":1000000000,"description":"Annual net operating income","default":60000},"annualDebtService":{"type":"number","minimum":0.01,"maximum":1000000000,"description":"Annual debt service","default":48000}},"required":["annualNoi","annualDebtService"],"additionalProperties":false},"rental-cash-flow":{"type":"object","properties":{"monthlyRent":{"type":"number","minimum":0,"maximum":1000000000,"description":"Gross monthly rent","default":3500},"otherAnnualIncome":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other annual property income","default":0},"vacancyPercent":{"type":"number","minimum":0,"maximum":100,"description":"Vacancy / collection loss %","default":5},"annualOperatingCosts":{"type":"number","minimum":0,"maximum":1000000000,"description":"Annual operating costs incl. tax/insurance","default":12000},"annualCapitalReserve":{"type":"number","minimum":0,"maximum":1000000000,"description":"Annual capital reserve","default":2500},"monthlyDebtService":{"type":"number","minimum":0,"maximum":1000000000,"description":"Monthly debt service","default":2100},"cashInvested":{"type":"number","minimum":0,"maximum":1000000000,"description":"Cash invested","default":120000}},"required":["monthlyRent","otherAnnualIncome","vacancyPercent","annualOperatingCosts","annualCapitalReserve","monthlyDebtService","cashInvested"],"additionalProperties":false},"commercial-mortgage":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Loan principal","default":360000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Payments / months","default":360},"termMonths":{"type":"integer","minimum":1,"maximum":600,"description":"Maturity / months","default":60},"interestOnlyMonths":{"type":"integer","minimum":0,"maximum":599,"description":"Initial interest-only months","default":0},"extraMonthly":{"type":"number","minimum":0,"maximum":1000000000,"description":"Extra principal per month","default":0}},"required":["principal","rate","months","termMonths","interestOnlyMonths","extraMonthly"],"additionalProperties":false},"construction-loan":{"type":"object","properties":{"loanLimit":{"type":"number","minimum":0,"maximum":1000000000,"description":"Construction loan commitment","default":600000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":9},"months":{"type":"integer","minimum":1,"maximum":60,"description":"Construction period / months","default":12},"originationPercent":{"type":"number","minimum":0,"maximum":20,"description":"Origination fee % of commitment","default":1},"draws":{"type":"array","items":{"type":"object","properties":{"month":{"type":"integer","minimum":1,"maximum":60},"amount":{"type":"number","minimum":0,"maximum":1000000000}},"required":["month","amount"],"additionalProperties":false},"minItems":1,"maxItems":120,"description":"Draws occur at the start of the specified month; monthly interest is paid in cash.","default":[{"month":1,"amount":150000},{"month":4,"amount":150000},{"month":7,"amount":150000},{"month":10,"amount":150000}]}},"required":["loanLimit","rate","months","originationPercent","draws"],"additionalProperties":false},"bridge-loan":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Bridge principal","default":500000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":10},"months":{"type":"integer","minimum":1,"maximum":120,"description":"Term / months","default":12},"originationPercent":{"type":"number","minimum":0,"maximum":20,"description":"Entry fee %","default":2},"exitPercent":{"type":"number","minimum":0,"maximum":20,"description":"Exit fee %","default":0},"capitalizeInterest":{"type":"boolean","description":"Add interest to the balance","default":false}},"required":["principal","rate","months","originationPercent","exitPercent","capitalizeInterest"],"additionalProperties":false},"heloc":{"type":"object","properties":{"creditLimit":{"type":"number","minimum":0,"maximum":1000000000,"description":"Credit limit","default":150000},"initialDraw":{"type":"number","minimum":0,"maximum":1000000000,"description":"Initial draw","default":50000},"monthlyDraw":{"type":"number","minimum":0,"maximum":1000000000,"description":"Additional draw at each month start","default":0},"monthlyPrincipal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Voluntary principal payment during draw","default":0},"drawMonths":{"type":"integer","minimum":1,"maximum":240,"description":"Draw phase / months","default":60},"drawRate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":8},"repaymentMonths":{"type":"integer","minimum":1,"maximum":600,"description":"Repayment phase / months","default":180},"repaymentRate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":9}},"required":["creditLimit","initialDraw","monthlyDraw","monthlyPrincipal","drawMonths","drawRate","repaymentMonths","repaymentRate"],"additionalProperties":false},"arm":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Loan principal","default":360000},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"initialRate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":5.5},"fixedMonths":{"type":"integer","minimum":1,"maximum":599,"description":"Initial fixed-rate months","default":60},"resetMonths":{"type":"integer","minimum":1,"maximum":120,"description":"Months between resets","default":12},"margin":{"type":"number","minimum":0,"maximum":20,"description":"Margin over index / percentage points","default":2.5},"initialCap":{"type":"number","minimum":0,"maximum":20,"description":"First-reset change cap / points","default":2},"periodicCap":{"type":"number","minimum":0,"maximum":20,"description":"Later-reset change cap / points","default":1},"lifetimeCap":{"type":"number","minimum":0,"maximum":20,"description":"Lifetime increase over initial / points","default":5},"floor":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":0},"extraMonthly":{"type":"number","minimum":0,"maximum":1000000000,"description":"Extra monthly principal","default":0},"indexPath":{"type":"array","items":{"type":"number","minimum":0,"maximum":30},"minItems":1,"maxItems":50,"description":"Index assumptions at successive resets","default":[5,6,7]}},"required":["principal","years","initialRate","fixedMonths","resetMonths","margin","initialCap","periodicCap","lifetimeCap","floor","extraMonthly","indexPath"],"additionalProperties":false},"fha":{"type":"object","properties":{"price":{"type":"number","minimum":0,"maximum":1000000000,"description":"Home price","default":350000},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Down payment","default":20000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"upfrontPercent":{"type":"number","minimum":0,"maximum":10,"description":"Quoted upfront insurance %","default":0},"annualInsurancePercent":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":0},"insuranceMonths":{"type":"integer","minimum":0,"maximum":600,"description":"Months to charge modeled insurance","default":360},"financeUpfront":{"type":"boolean","description":"Finance the upfront charge","default":true}},"required":["price","down","rate","years","upfrontPercent","annualInsurancePercent","insuranceMonths","financeUpfront"],"additionalProperties":false},"va":{"type":"object","properties":{"price":{"type":"number","minimum":0,"maximum":1000000000,"description":"Purchase price","default":450000},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Down payment","default":0},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"upfrontPercent":{"type":"number","minimum":0,"maximum":10,"description":"Quoted funding fee %","default":0},"financeUpfront":{"type":"boolean","description":"Finance funding fee","default":true},"feeExempt":{"type":"boolean","description":"Confirmed funding-fee exemption","default":false}},"required":["price","down","rate","years","upfrontPercent","financeUpfront","feeExempt"],"additionalProperties":false},"usda":{"type":"object","properties":{"price":{"type":"number","minimum":0,"maximum":1000000000,"description":"Purchase price","default":300000},"down":{"type":"number","minimum":0,"maximum":1000000000,"description":"Down payment","default":0},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"upfrontPercent":{"type":"number","minimum":0,"maximum":10,"description":"Quoted upfront guarantee fee %","default":0},"annualInsurancePercent":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":0},"insuranceMonths":{"type":"integer","minimum":0,"maximum":600,"description":"Annual-charge duration / months","default":360},"financeUpfront":{"type":"boolean","description":"Finance the upfront fee","default":true}},"required":["price","down","rate","years","upfrontPercent","annualInsurancePercent","insuranceMonths","financeUpfront"],"additionalProperties":false},"cash-out-refinance":{"type":"object","properties":{"homeValue":{"type":"number","minimum":0,"maximum":1000000000,"description":"Home value assumption","default":600000},"currentBalance":{"type":"number","minimum":0,"maximum":1000000000,"description":"Existing debt to repay","default":300000},"targetLtv":{"type":"number","minimum":1,"maximum":100,"description":"Target combined loan-to-value %","default":75},"closingCosts":{"type":"number","minimum":0,"maximum":1000000000,"description":"Closing costs paid from proceeds","default":8000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30}},"required":["homeValue","currentBalance","targetLtv","closingCosts","rate","years"],"additionalProperties":false},"recast":{"type":"object","properties":{"balance":{"type":"number","minimum":0,"maximum":1000000000,"description":"Current balance","default":360000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"remainingMonths":{"type":"integer","minimum":1,"maximum":600,"description":"Remaining months","default":300},"lumpSum":{"type":"number","minimum":0,"maximum":1000000000,"description":"Principal lump sum","default":50000},"fee":{"type":"number","minimum":0,"maximum":1000000000,"description":"Recast fee","default":300}},"required":["balance","rate","remainingMonths","lumpSum","fee"],"additionalProperties":false},"buydown":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Mortgage principal","default":360000},"noteRate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"years":{"type":"integer","minimum":1,"maximum":50,"description":"Amortization years","default":30},"firstYearReduction":{"type":"number","minimum":0,"maximum":10,"description":"First-year rate reduction / points","default":2},"secondYearReduction":{"type":"number","minimum":0,"maximum":10,"description":"Second-year rate reduction / points","default":1}},"required":["principal","noteRate","years","firstYearReduction","secondYearReduction"],"additionalProperties":false},"loan-to-value":{"type":"object","properties":{"homeValue":{"type":"number","minimum":0.01,"maximum":1000000000,"description":"Home value","default":600000},"firstLoan":{"type":"number","minimum":0,"maximum":1000000000,"description":"First loan balance","default":360000},"otherLoans":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other property-secured balances","default":50000}},"required":["homeValue","firstLoan","otherLoans"],"additionalProperties":false},"debt-to-income":{"type":"object","properties":{"annualIncome":{"type":"number","minimum":0.01,"maximum":1000000000,"description":"Annual gross income","default":120000},"monthlyHousing":{"type":"number","minimum":0,"maximum":1000000000,"description":"Monthly housing obligation","default":3000},"monthlyOtherDebt":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other monthly debt","default":500}},"required":["annualIncome","monthlyHousing","monthlyOtherDebt"],"additionalProperties":false},"down-payment-savings":{"type":"object","properties":{"target":{"type":"number","minimum":0,"maximum":1000000000,"description":"Savings target","default":90000},"startingBalance":{"type":"number","minimum":0,"maximum":1000000000,"description":"Starting savings","default":20000},"monthlyContribution":{"type":"number","minimum":0,"maximum":1000000000,"description":"Contribution at each month end","default":1000},"annualReturn":{"type":"number","minimum":-50,"maximum":30,"description":"Annual effective return assumption %","default":3},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Savings horizon / months","default":60}},"required":["target","startingBalance","monthlyContribution","annualReturn","months"],"additionalProperties":false},"debt-payoff":{"type":"object","properties":{"balance":{"type":"number","minimum":0,"maximum":1000000000,"description":"Debt balance","default":25000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":12},"monthlyPayment":{"type":"number","minimum":0,"maximum":1000000000,"description":"Monthly payment","default":700}},"required":["balance","rate","monthlyPayment"],"additionalProperties":false},"land-loan":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Loan principal","default":360000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Payments / months","default":360},"termMonths":{"type":"integer","minimum":1,"maximum":600,"description":"Loan maturity / months","default":60}},"required":["principal","rate","months","termMonths"],"additionalProperties":false},"equipment-loan":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Financed equipment amount","default":100000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":8},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Monthly payments","default":60},"residual":{"type":"number","minimum":0,"maximum":1000000000,"description":"Residual / balloon at end","default":10000}},"required":["principal","rate","months","residual"],"additionalProperties":false},"auto-loan":{"type":"object","properties":{"price":{"type":"number","minimum":0,"maximum":1000000000,"description":"Vehicle price","default":35000},"taxableAmount":{"type":"number","minimum":0,"maximum":1000000000,"description":"Amount subject to sales tax","default":35000},"salesTaxPercent":{"type":"number","minimum":0,"maximum":20,"description":"Applicable sales tax %","default":0},"fees":{"type":"number","minimum":0,"maximum":1000000000,"description":"Financed fees/add-ons","default":500},"cashDown":{"type":"number","minimum":0,"maximum":1000000000,"description":"Cash down payment","default":5000},"tradeValue":{"type":"number","minimum":0,"maximum":1000000000,"description":"Trade-in value","default":0},"tradePayoff":{"type":"number","minimum":0,"maximum":1000000000,"description":"Trade loan payoff","default":0},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":8},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Monthly payments","default":60}},"required":["price","taxableAmount","salesTaxPercent","fees","cashDown","tradeValue","tradePayoff","rate","months"],"additionalProperties":false},"personal-loan":{"type":"object","properties":{"principal":{"type":"number","minimum":0,"maximum":1000000000,"description":"Loan principal","default":360000},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Annual nominal percentage, not APR or a lender quote.","default":6.5},"months":{"type":"integer","minimum":1,"maximum":600,"description":"Payments / months","default":360}},"required":["principal","rate","months"],"additionalProperties":false},"mortgage-penalty-us":{"type":"object","properties":{"method":{"type":"integer","minimum":0,"maximum":2,"description":"Contract charge method","default":1},"balance":{"type":"number","minimum":1,"maximum":1000000000,"description":"Outstanding balance","default":400000},"prepayment":{"type":"number","minimum":0,"maximum":1000000000,"description":"Principal to repay","default":400000},"allowedPrepayment":{"type":"number","minimum":0,"maximum":1000000000,"description":"Confirmed allowance usable for this transaction","default":0},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Contract annual interest rate %","default":6},"penaltyPercent":{"type":"number","minimum":0,"maximum":20,"description":"Applicable contractual penalty %","default":2},"interestMonths":{"type":"number","minimum":0,"maximum":60,"description":"Contractual months of interest","default":3},"monthsSinceClosing":{"type":"integer","minimum":0,"maximum":600,"description":"Completed months since closing","default":18},"penaltyWindowMonths":{"type":"integer","minimum":0,"maximum":600,"description":"Contract penalty window / months","default":36},"adminFees":{"type":"number","minimum":0,"maximum":1000000000,"description":"Discharge / administration charges","default":300},"newLoanCosts":{"type":"number","minimum":0,"maximum":1000000000,"description":"Separate new-loan closing costs","default":4000},"monthlySavings":{"type":"number","minimum":0,"maximum":1000000000,"description":"Estimated monthly payment savings","default":250}},"required":["method","balance","prepayment","allowedPrepayment","rate","penaltyPercent","interestMonths","monthsSinceClosing","penaltyWindowMonths","adminFees","newLoanCosts","monthlySavings"],"additionalProperties":false},"mortgage-penalty-ca":{"type":"object","properties":{"method":{"type":"integer","minimum":0,"maximum":2,"description":"Contract structure","default":2},"balance":{"type":"number","minimum":1,"maximum":1000000000,"description":"Outstanding balance","default":400000},"prepayment":{"type":"number","minimum":0,"maximum":1000000000,"description":"Principal to repay","default":400000},"allowedPrepayment":{"type":"number","minimum":0,"maximum":1000000000,"description":"Confirmed allowance usable for this transaction","default":0},"rate":{"type":"number","minimum":0,"maximum":40,"description":"Contract annual interest rate %","default":6},"irdContractRate":{"type":"number","minimum":0,"maximum":40,"description":"Lender-specified first rate for IRD %","default":6},"comparisonRate":{"type":"number","minimum":0,"maximum":40,"description":"Lender-specified adjusted comparison rate %","default":4},"monthsRemaining":{"type":"integer","minimum":0,"maximum":600,"description":"Months remaining in the mortgage term","default":36},"adminFees":{"type":"number","minimum":0,"maximum":1000000000,"description":"Discharge / administration charges","default":300},"newLoanCosts":{"type":"number","minimum":0,"maximum":1000000000,"description":"Separate new-loan closing costs","default":4000},"monthlySavings":{"type":"number","minimum":0,"maximum":1000000000,"description":"Estimated monthly payment savings","default":250}},"required":["method","balance","prepayment","allowedPrepayment","rate","irdContractRate","comparisonRate","monthsRemaining","adminFees","newLoanCosts","monthlySavings"],"additionalProperties":false},"private-loan-cost":{"type":"object","properties":{"principal":{"type":"number","minimum":1,"maximum":1000000000,"description":"Committed and fully advanced principal","default":500000},"rate":{"type":"number","minimum":0,"maximum":60,"description":"Annual simple interest rate %","default":10},"months":{"type":"integer","minimum":1,"maximum":120,"description":"Loan holding period / months","default":12},"originationPercent":{"type":"number","minimum":0,"maximum":30,"description":"Origination points %","default":2},"exitPercent":{"type":"number","minimum":0,"maximum":30,"description":"Exit fee %","default":1},"otherFees":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other charges withheld upfront","default":1500}},"required":["principal","rate","months","originationPercent","exitPercent","otherFees"],"additionalProperties":false},"factor-cost":{"type":"object","properties":{"advance":{"type":"number","minimum":1,"maximum":1000000000,"description":"Gross advance","default":100000},"factor":{"type":"number","minimum":1,"maximum":5,"description":"Repayment factor / multiplier","default":1.3},"fees":{"type":"number","minimum":0,"maximum":1000000000,"description":"Fees withheld upfront","default":2000},"payments":{"type":"integer","minimum":1,"maximum":600,"description":"Number of equal scheduled payments","default":52}},"required":["advance","factor","fees","payments"],"additionalProperties":false},"invoice-factoring-cost":{"type":"object","properties":{"invoice":{"type":"number","minimum":1,"maximum":1000000000,"description":"Invoice face value","default":100000},"advancePercent":{"type":"number","minimum":1,"maximum":100,"description":"Advance % of invoice","default":85},"feePercent":{"type":"number","minimum":0,"maximum":20,"description":"Fee % of invoice for each period","default":1.5},"periodDays":{"type":"integer","minimum":1,"maximum":365,"description":"Days per fee period","default":30},"collectionDays":{"type":"integer","minimum":1,"maximum":3650,"description":"Days until customer pays","default":45},"otherFees":{"type":"number","minimum":0,"maximum":1000000000,"description":"Other fees deducted from reserve","default":100}},"required":["invoice","advancePercent","feePercent","periodDays","collectionDays","otherFees"],"additionalProperties":false}}},"externalDocs":{"url":"https://batonrougemortgagerates.com/developers","description":"Methods, examples and MCP connection details"}}