Mortgage Points Breakeven Calculator

Should you buy mortgage discount points? Monthly savings, points cost in dollars, and the breakeven month.

Free tier eligible — 500 calls/month with a free key from /pricing; x402 pay-per-call above quota.

Parameters

Parameter	Type	Required	Description
`loan_amount`	number	required	Loan principal in USD
`base_rate`	number	required	Interest rate WITHOUT points, as a DECIMAL (0.07 = 7%)
`points`	number	required	Number of discount points being bought
`rate_reduction_per_point`	number	optional	Rate reduction per point, as a decimal (default 0.0025 = 0.25%)
`cost_pct_per_point`	number	optional	Cost per point as a percent of loan amount (default 1.0)
`term_years`	number	optional	Loan term in years (default 30)

Call it over MCP (JSON-RPC 2.0)

curl -s https://wingmanprotocol.com/mcp \
  -H 'Content-Type: application/json' \
  -H 'Accept: application/json, text/event-stream' \
  -d '{"jsonrpc": "2.0", "id": 1, "method": "tools/call", "params": {"name": "mortgage_points_breakeven", "arguments": {"loan_amount": 1000, "base_rate": 0.07, "points": 100}}}'

Or plain HTTP

curl -s https://wingmanprotocol.com/tools/mortgage_points_breakeven \
  -H 'Content-Type: application/json' \
  -d '{"loan_amount": 1000, "base_rate": 0.07, "points": 100}'

Try it live

Edit the JSON and run it — this POSTs to https://wingmanprotocol.com/tools/mortgage_points_breakeven from your browser.

This tool is x402-metered — agents pay per call with USDC on Base. The 402 response below is the standard x402 payment-requirements envelope: sign the EIP-3009 authorization and retry with the X-Payment header, or get a free key at /pricing (500 calls/month, no card, no crypto).