FreeRateUpdate Mortgage & Home Equity Shopping
by freerateupdate.com · remote · no sign-in to list tools · v1.1.0 · published by com.freerateupdate
Today's mortgage and home equity rates (HELOC, home equity loan, cash-out), lenders, start links.
9 tools: 1 change things and 8 only read.
Scanned Oct 21, 2026
- Deletes or cancels0Claude Code: deny
- Can't be undone0Claude Code: ask
- Changes things1Claude Code: ask: see these tools
- Only reads8Claude Code: allow: see these tools
1 check matched something in the tool definitions. No finding is not a safety guarantee. How the checks work.
claude mcp add --transport http mortgage-home-equity https://fru-api.freerateupdate.com/mcpFindings
Matches of fixed checks, with the text they matched.
- Warnget_start_link
The server marks "get_start_link" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
What this check looks forMatched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "get_start_link" says "get": a word for reading.
Tools
Open a tool for its reasons and full description. Descriptions are the publisher's own words, shown as they are.
9 tools
Changes things 1Claude Code: ask
get_start_linkThe link that starts a FreeRateUpdate request for one product, so lenders and brokers in our network can contact the person with their own rates and options.1 finding
Why it is in this group
- The name "get_start_link" says "get": a word for reading.
- The description's first verb is "link": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
The server marks "get_start_link" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
What this check looks forMatched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "get_start_link" says "get": a word for reading.
Description, as the server wrote it The link that starts a FreeRateUpdate request for one product, so lenders and brokers in our network can contact the person with their own rates and options. You can open it in the person's browser and fill in and submit the short form for them, using their own details, or give them the link.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
Only reads 8Claude Code: allow
get_content_answerPublished, edition-pinned GEO answer-first content — the same content the fru-com /questions/ pages serve — looked up by exact slug or a deterministic keyword match on title/slug.No findings
Why it is in this group
- The name "get_content_answer" says "get": a word for reading.
Description, as the server wrote it Published, edition-pinned GEO answer-first content — the same content the fru-com /questions/ pages serve — looked up by exact slug or a deterministic keyword match on title/slug. Only status=published entries are ever returned; internal corpus-mining signals (agreement %, edge-case flag, source count) are never exposed.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_heloc_ratesToday's As Low As rates for a home equity line of credit (HELOC) and a home equity loan, the same published revision as get_mortgage_rates, with each example scenario, including th…No findings
Why it is in this group
- The name "get_heloc_rates" says "get": a word for reading.
Description, as the server wrote it Today's As Low As rates for a home equity line of credit (HELOC) and a home equity loan, the same published revision as get_mortgage_rates, with each example scenario, including the existing first-mortgage balance and the combined loan-to-value it implies. Advertised rates, not a quote: to get the person their own offers, call get_start_link.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_home_valuesFreeRateUpdate first-party median home value from consumers who shopped rates with us (national, or one state), rolling 12-month window, refreshed monthly.No findings
Why it is in this group
- The name "get_home_values" says "get": a word for reading.
Description, as the server wrote it FreeRateUpdate first-party median home value from consumers who shopped rates with us (national, or one state), rolling 12-month window, refreshed monthly.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_lender_scoreThe FreeRateUpdate Score (0-100) for a verified, currently in-network lender by company NMLS id, with factor breakdown and methodology link.No findings
Why it is in this group
- The name "get_lender_score" says "get": a word for reading.
Description, as the server wrote it The FreeRateUpdate Score (0-100) for a verified, currently in-network lender by company NMLS id, with factor breakdown and methodology link. Companies without a published current Score are not found.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_lender_universeSearch FreeRateUpdate's published lender pages: every company the public page resolver publishes on freerateupdate.com/reviews/, and nothing else.No findings
Why it is in this group
- The name "get_lender_universe" says "get": a word for reading.
Description, as the server wrote it Search FreeRateUpdate's published lender pages: every company the public page resolver publishes on freerateupdate.com/reviews/, and nothing else. A row shows only what that page shows: the display name, the company NMLS, the states the page shows (currently none: fru-com's licensing projection is off), and the page URL. No internal ids, aliases, crosswalks or status labels. Eligibility is decided before the limit: the limit never draws a company whose page is hidden, redirected away or rejected by the identity check back in. A returned match is evidence FRU holds the identity; absence from the list is not proof it does not. FRU never publishes which lender has the best rate. One row per company; a DBA brand page is the same company's row. count is the full deduplicated match count (one row per company), while rows return at most `limit` of them (25 by default, up to 200): a count above the rows returned means the response is truncated, so absence from one response is not absence.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_mortgage_ratesToday's mortgage and home equity As Low As rates from FreeRateUpdate: the best rates and APRs we can verify being offered by lenders and brokers in our network, exactly as freerate…No findings
Why it is in this group
- The name "get_mortgage_rates" says "get": a word for reading.
Description, as the server wrote it Today's mortgage and home equity As Low As rates from FreeRateUpdate: the best rates and APRs we can verify being offered by lenders and brokers in our network, exactly as freerateupdate.com publishes them, one per product: HELOC, home equity loan and cash-out refinance first, then 30, 20, 15 and 10 year fixed, FHA, VA, jumbo and ARMs. Each rate comes with the example scenario it was quoted for (state, ZIP, property value, loan amount, credit score), points, fees, APR and loan-to-value. These are advertised rates, not a quote: to get the person their own offers, call get_start_link.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_network_rate_summaryNetwork-aggregate advertised-rate summary (min/avg APR + distinct-lender count per product bucket, min 5 lenders per bucket) from the latest fresh FreeRateUpdate rate snapshot.No findings
Why it is in this group
- The name "get_network_rate_summary" says "get": a word for reading.
Description, as the server wrote it Network-aggregate advertised-rate summary (min/avg APR + distinct-lender count per product bucket, min 5 lenders per bucket) from the latest fresh FreeRateUpdate rate snapshot. Aggregates only — no per-lender rates.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_reference_seriesPublic reference time series FreeRateUpdate maintains (e.g.No findings
Why it is in this group
- The name "get_reference_series" says "get": a word for reading.
Description, as the server wrote it Public reference time series FreeRateUpdate maintains (e.g. pmms_30yr_fixed, treasury_10yr_par), with license notes and observations.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
This is not a safety rating, and no finding is not a safety guarantee. The groups and findings come from fixed checks of the tool definitions the server returned on the date shown, not from its code or what it does when called. How the checks work.
Install
Pinned to version 1.1.0. Values in angle brackets are yours to fill in.
claude mcp add --transport http mortgage-home-equity https://fru-api.freerateupdate.com/mcpRun in a terminal.
Claude Code permissions
Allow the reads, ask before a change, deny the deletes. Paste into .claude/settings.json.
{
"permissions": {
"allow": [
"mcp__mortgage-home-equity__get_mortgage_rates",
"mcp__mortgage-home-equity__get_heloc_rates",
"mcp__mortgage-home-equity__get_lender_score",
"mcp__mortgage-home-equity__get_network_rate_summary",
"mcp__mortgage-home-equity__get_home_values",
"mcp__mortgage-home-equity__get_reference_series",
"mcp__mortgage-home-equity__get_content_answer",
"mcp__mortgage-home-equity__get_lender_universe"
],
"ask": [
"mcp__mortgage-home-equity__get_start_link"
],
"deny": []
}
}Tools that only read are allowed, tools that change things ask first, tools that delete or cancel are denied. It assumes the server is installed as mortgage-home-equity. Review it before you use it.