---
title: "Cited owner mortgage calendar"
method: POST
path: "/api/locus_owner_mortgage_calendar"
tags: ["mortgage", "calendar", "owner-actions", "deadlines", "read-only", "free", "free"]
---

# Cited owner mortgage calendar

`POST /api/locus_owner_mortgage_calendar`

## Request

- Base URL: `https://api.locus.report`
- URL: `https://api.locus.report/api/locus_owner_mortgage_calendar`
- Auth: none required

Returns twelve cited mortgage statute and agency fact cards, plus deterministic dates only for loan, notice, sale, escrow, and appraisal inputs the caller supplies, for agents laying out a mortgage calendar. National. No legal advice, qualification, approval odds, value opinion, or recommendation. Read-only. Direct flat-body route for this one free resource; no API key, payment, or catalog wrapper. Return only the cited bounded evidence described here; this route never produces a paid brief or full report.

## Request body

- object
  - `originationDate` string, date: Loan origination date in YYYY-MM-DD format.
  - `originalValueUsd` number: Caller-supplied original property value used only for scheduled 80% and 78% balance arithmetic.
  - `originalLoanAmountUsd` number: Caller-supplied original principal balance.
  - `annualRatePercent` number: Caller-supplied nominal annual interest rate percent.
  - `termMonths` integer: Amortization term in months. Default 360.
  - `loanType` 'conventional' | 'fha' | 'va' | 'usda'
  - `escrowComputationYearEnd` string, date
  - `forcePlacedNoticeDate` string, date
  - `floodForcePlacementNoticeDate` string, date
  - `foreclosureSaleDate` string, date
  - `txDefaultNoticeDate` string, date
  - `appraisalReceivedDate` string, date

## Response `200`

Free cited evidence response.

- object

## Other responses

- `400`: Invalid request body.
- `429`: Rate limited.

---

[API](https://skmtc.dev/locus/apis/locus-api.md) · [All operations](https://skmtc.dev/locus/apis/locus-api/llms.txt) · [OpenAPI document](https://skmtc.dev/locus/apis/locus-api/revisions/ba7786b74adb?raw)