Lending

Self-employed mortgage qualification worksheet: 2-year-average (or declining-income) qualifying income with add-backs, front/back DTI limits, the max home price you qualify for, and the full monthly PITI (principal, interest, tax, insurance, PMI, HOA) at that price. The flagship engine, as an agent-callable signed report.

Self-employed mortgage qualification worksheet: 2-year-average (or declining-income) qualifying income with add-backs, front/back DTI limits, the max home price you qualify for, and the full monthly PITI (principal, interest, tax, insurance, PMI, HOA) at that price. The flagship engine, as an agent-callable signed report.

Payment: x402 ($1.00 USDC on eip155:8453). Call unpaid to receive an HTTP 402 with requirements, then retry with the PAYMENT-SIGNATURE header. Method: qualifying income = 2-yr avg net SE income (+add-backs), year-1 only if declining; max price fits min(front-DTI, back-DTI) housing budget and full PITI; PMI applied above 80% LTV

post/v1/reports/mortgage-qualification

Request

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

Request body

year1NetIncomenumber required
year2NetIncomenumber required
addBacksnumber
monthlyDebtsnumber
downPaymentnumber
interestRatePctnumber
termYears15 | 20 | 30
propertyTaxPctnumber
annualInsurancenumber
monthlyHOAnumber
frontDTIPctnumber
backDTIPctnumber
pmiRatePctnumber

Response

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

Changes

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