Lending

Whether buying discount points pays off: monthly savings from the rate buydown and the break-even month.

Whether buying discount points pays off: monthly savings from the rate buydown and the break-even month.

Payment: x402 ($0.05 USDC on eip155:8453). Call unpaid to receive an HTTP 402 with requirements, then retry with the PAYMENT-SIGNATURE header. Method: compare amortized payments at base vs buydown rate; breakEven = ceil(pointsCost / monthlySavings)

post/v1/lending/mortgage-points

Request

  • Base URL: (relative, and it does not resolve against the document’s source URL)
  • URL: /v1/lending/mortgage-points
  • Auth: none declared

Request body

loanAmountnumber required
termMonthsnumber
baseAprnumber required
buydownAprnumber required
pointsCostnumber required

Response

Verified result + provenance (formula, sources, reproducible SHA-256 hash).

Changes

No recorded changes to this operation across all 1 revision of this API.