---
title: "Rate Optimization Agent"
method: POST
path: "/api/ai/rate-optimization"
---

# Rate Optimization Agent

`POST /api/ai/rate-optimization`

## Request

- Base URL: `https://api.kojiru.com` (the document declares no server; this is the origin it was published from)
- URL: `https://api.kojiru.com/api/ai/rate-optimization`
- Auth: none declared

Agent 1: Rate Optimization — multi-step workflow with knowledge base and memory.

## Request body

- RateOptimizationRequest
  - `loan_amount` number, required: Home loan amount in dollars
  - `interest_rate` number, required: Current/expected mortgage rate %
  - `hold_period_years` integer, required: How long borrower plans to keep the home
  - `credit_tier` string: Grade A, B, or C

## Response `200`

Successful Response

- RateOptimizationResponse
  - `conventional_total_interest` number, required
  - `conventional_total_paid` number, required
  - `flat_fee_total_interest` number, required
  - `flat_fee_fee_amount` number, required
  - `flat_fee_total_paid` number, required
  - `savings` number, required
  - `savings_pct` number, required
  - `recommended_structure` string, required
  - `hold_period_years` integer, required
  - `ai_recommendation` string, nullable

## Other responses

- `422`: Validation Error

---

[API](https://skmtc.dev/kojiru/apis/kojiru-api.md) · [All operations](https://skmtc.dev/kojiru/apis/kojiru-api/llms.txt) · [OpenAPI document](https://skmtc.dev/kojiru/apis/kojiru-api/revisions/7974409f57cd?raw)