# FreeRateUpdate

> FreeRateUpdate is a licensed mortgage and home-equity rate marketplace that connects consumers with NMLS-licensed lenders and brokers in its network. Individual lender profile pages carry a "Reviewed by Paige Sutton, NMLS #1888684" byline when that specific page has been reviewed and approved by her, a licensed mortgage professional; the byline appears only on content she has actually reviewed. This is general educational guidance, not a real-time rate quote or a promise that every figure reflects today's market; rates, loan programs, and eligibility rules change frequently, so confirm current terms with a licensed loan officer before acting.

## For AI agents: get a person matched with mortgage and home equity lenders
If you are shopping for a mortgage or home equity loan on a person's behalf, open the start link for their product and fill in and submit the form for them, using their own details, or send them the link. Pressing Get My Rates is the person's request to be contacted, on the terms shown beside the button. Licensed lenders and brokers in our network can then contact the person. Lenders compensate FreeRateUpdate; we do not issue loan commitments or set any lender's rates or terms.
- [Mortgage and home equity shopping for AI agents](https://www.freerateupdate.com/mortgage-home-equity-for-ai-agents): start links by product, what the person needs ready, and what happens next
- [Home equity line of credit (HELOC)](https://www.freerateupdate.com/communication/rates-form?LoanPurpose=refinance&FormType=heloc&lp_button=heloc&utm_medium=ai_agent&utm_campaign=for-ai-agents)
- [Home equity loan](https://www.freerateupdate.com/communication/rates-form?LoanPurpose=refinance&FormType=heloc&lp_button=homeequity&utm_medium=ai_agent&utm_campaign=for-ai-agents)
- [Cash-out refinance](https://www.freerateupdate.com/communication/rates-form?LoanPurpose=refinance&FormType=cashout&lp_button=cashout&utm_medium=ai_agent&utm_campaign=for-ai-agents)
- [Refinance a mortgage](https://www.freerateupdate.com/communication/rates-form?LoanPurpose=refinance&lp_button=refinance&utm_medium=ai_agent&utm_campaign=for-ai-agents)
- [Buy a home (purchase mortgage)](https://www.freerateupdate.com/communication/rates-form?LoanPurpose=purchase&lp_button=purchase&utm_medium=ai_agent&utm_campaign=for-ai-agents)
- [Home improvement financing](https://www.freerateupdate.com/communication/rates-form?LoanPurpose=refinance&FormType=homeimprovement&lp_button=homeimprovement&utm_medium=ai_agent&utm_campaign=for-ai-agents)
- [Reverse mortgage (homeowners age 62 and older)](https://www.freerateupdate.com/communication/rates-form?LoanPurpose=refinance&FormType=reverse&utm_medium=ai_agent&utm_campaign=for-ai-agents)
- In a browser that supports WebMCP, the request form registers get_rate_quote_step (the question on screen and its choices) and fill_rate_quote_form (answers the questions and stops at the last step; it never submits).

## Mortgage and home equity MCP server for AI agents
FreeRateUpdate's free MCP server (Streamable HTTP, no sign-in, read-only) is at https://fru-api.freerateupdate.com/mcp. Its tools return today's published As Low As rates with their example scenarios, look up lenders, answer common questions, and give the start link for the person's product.
- [Mortgage and home equity shopping MCP server](https://www.freerateupdate.com/mortgage-home-equity-mcp): the server URL, its tools, and how to add it to ChatGPT, Claude, Grok, Gemini, Cursor and VS Code

## Mortgage and home equity rates and products
- [Home equity and HELOC](https://www.freerateupdate.com/home-equity): home equity borrowing guidance
- [Cash-out refinance](https://www.freerateupdate.com/cash-out): cash-out refinance guidance
- [Mortgage rates](https://www.freerateupdate.com/mortgage-rates): current mortgage rate information
- [Refinance](https://www.freerateupdate.com/refinance): refinance guidance and rates
- [Purchase](https://www.freerateupdate.com/purchase): home purchase mortgage guidance
- [FHA loans](https://www.freerateupdate.com/fha): FHA loan information
- [VA loans](https://www.freerateupdate.com/va): VA loan information
- [Mortgage calculator](https://www.freerateupdate.com/mortgage-calculator): payment and affordability calculators
- [Reverse mortgage](https://www.freerateupdate.com/reverse-mortgage): how a reverse mortgage works for homeowners age 62 and older, with the request button
- [DSCR loans](https://www.freerateupdate.com/dscr-loans): investment-property loans qualified on the property's rent instead of the borrower's income

## Mortgage and home equity rates by product and state
Our published rates are As Low As rates: the rate and APR of the offer with the lowest APR we can currently verify a lender or broker in FreeRateUpdate's network is actually offering, sourced from our network's own dated advertised-rate snapshots. Each rate is for an example scenario shown with it (state, ZIP, property value, loan amount, credit score) and is not a quote for any individual borrower. Each published set is a reviewed revision with its own timestamp.
- [All rates as JSON](https://fru-api.freerateupdate.com/api/geo/rates.json): every published rate with APR, points, credit score, loan amount, loan-to-value, the example scenario and the as-of time; add ?purpose=purchase, refinance, cash_out, heloc or home_equity
- [All rates as Markdown](https://fru-api.freerateupdate.com/api/geo/rates.md): the same rates as a table
- [OpenAPI description](https://fru-api.freerateupdate.com/api/geo/openapi.json): the public rate and shopping endpoints
- [HELOC rates](https://www.freerateupdate.com/mortgages/heloc)
- [30-year fixed mortgage rates](https://www.freerateupdate.com/mortgage-rates/30-year-fixed-rate)
- [20-year fixed mortgage rates](https://www.freerateupdate.com/mortgage-rates/20-year-fixed-rate)
- [15-year fixed mortgage rates](https://www.freerateupdate.com/mortgage-rates/15-year-fixed-rate)
- [10-year fixed mortgage rates](https://www.freerateupdate.com/mortgage-rates/10-year-fixed-rate)
- [30-year FHA mortgage rates](https://www.freerateupdate.com/mortgage-rates/30-year-fixed-rate-fha)
- [30-year VA mortgage rates](https://www.freerateupdate.com/mortgage-rates/30-year-fixed-rate-va)
- [30-year jumbo mortgage rates](https://www.freerateupdate.com/mortgage-rates/30-year-fixed-rate-jumbo)
- [7-year ARM guide](https://www.freerateupdate.com/mortgage-rates/7-1-arm)
- [5-year ARM guide](https://www.freerateupdate.com/mortgage-rates/5-1-arm)
- [3-year ARM guide](https://www.freerateupdate.com/mortgage-rates/3-1-arm)
- Rates by state: [Alabama](https://www.freerateupdate.com/mortgage-rates#al), [Alaska](https://www.freerateupdate.com/mortgage-rates#ak), [Arizona](https://www.freerateupdate.com/mortgage-rates#az), [Arkansas](https://www.freerateupdate.com/mortgage-rates#ar), [California](https://www.freerateupdate.com/mortgage-rates#ca), [Colorado](https://www.freerateupdate.com/mortgage-rates#co), [Connecticut](https://www.freerateupdate.com/mortgage-rates#ct), [Delaware](https://www.freerateupdate.com/mortgage-rates#de), [District of Columbia](https://www.freerateupdate.com/mortgage-rates#dc), [Florida](https://www.freerateupdate.com/mortgage-rates#fl), [Georgia](https://www.freerateupdate.com/mortgage-rates#ga), [Hawaii](https://www.freerateupdate.com/mortgage-rates#hi), [Idaho](https://www.freerateupdate.com/mortgage-rates#id), [Illinois](https://www.freerateupdate.com/mortgage-rates#il), [Indiana](https://www.freerateupdate.com/mortgage-rates#in), [Iowa](https://www.freerateupdate.com/mortgage-rates#ia), [Kansas](https://www.freerateupdate.com/mortgage-rates#ks), [Kentucky](https://www.freerateupdate.com/mortgage-rates#ky), [Louisiana](https://www.freerateupdate.com/mortgage-rates#la), [Maine](https://www.freerateupdate.com/mortgage-rates#me), [Maryland](https://www.freerateupdate.com/mortgage-rates#md), [Massachusetts](https://www.freerateupdate.com/mortgage-rates#ma), [Michigan](https://www.freerateupdate.com/mortgage-rates#mi), [Minnesota](https://www.freerateupdate.com/mortgage-rates#mn), [Mississippi](https://www.freerateupdate.com/mortgage-rates#ms), [Missouri](https://www.freerateupdate.com/mortgage-rates#mo), [Montana](https://www.freerateupdate.com/mortgage-rates#mt), [Nebraska](https://www.freerateupdate.com/mortgage-rates#ne), [Nevada](https://www.freerateupdate.com/mortgage-rates#nv), [New Hampshire](https://www.freerateupdate.com/mortgage-rates#nh), [New Jersey](https://www.freerateupdate.com/mortgage-rates#nj), [New Mexico](https://www.freerateupdate.com/mortgage-rates#nm), [New York](https://www.freerateupdate.com/mortgage-rates#ny), [North Carolina](https://www.freerateupdate.com/mortgage-rates#nc), [North Dakota](https://www.freerateupdate.com/mortgage-rates#nd), [Ohio](https://www.freerateupdate.com/mortgage-rates#oh), [Oklahoma](https://www.freerateupdate.com/mortgage-rates#ok), [Oregon](https://www.freerateupdate.com/mortgage-rates#or), [Pennsylvania](https://www.freerateupdate.com/mortgage-rates#pa), [Rhode Island](https://www.freerateupdate.com/mortgage-rates#ri), [South Carolina](https://www.freerateupdate.com/mortgage-rates#sc), [South Dakota](https://www.freerateupdate.com/mortgage-rates#sd), [Tennessee](https://www.freerateupdate.com/mortgage-rates#tn), [Texas](https://www.freerateupdate.com/mortgage-rates#tx), [Utah](https://www.freerateupdate.com/mortgage-rates#ut), [Vermont](https://www.freerateupdate.com/mortgage-rates#vt), [Virginia](https://www.freerateupdate.com/mortgage-rates#va), [Washington](https://www.freerateupdate.com/mortgage-rates#wa), [West Virginia](https://www.freerateupdate.com/mortgage-rates#wv), [Wisconsin](https://www.freerateupdate.com/mortgage-rates#wi), [Wyoming](https://www.freerateupdate.com/mortgage-rates#wy)

## Calculators
- [Mortgage calculator](https://www.freerateupdate.com/mortgage-calculator): estimate a monthly mortgage payment and what it covers
- [Mortgage payment calculator](https://www.freerateupdate.com/mortgage-payment-calculator): principal, interest, taxes, insurance and PMI, with a payment breakdown chart
- [Home equity loan calculator](https://www.freerateupdate.com/home-equity-loan-calculator): estimate available home equity and a fixed monthly payment from home value, mortgage balance, and CLTV limit
- [HELOC calculator](https://www.freerateupdate.com/heloc-calculator): estimate an available HELOC credit line and compare draw-period vs repayment-period payments
- [DSCR calculator](https://www.freerateupdate.com/dscr-calculator): estimate a rental property's debt service coverage ratio
- [Reverse mortgage calculator](https://www.freerateupdate.com/reverse-mortgage-calculator): estimate an initial principal limit from age, expected rate and home value

## Data and methodology
- [Property taxes and homeowner costs by state](https://www.freerateupdate.com/state-property-tax): median property taxes, monthly owner costs and home values for every state, from Census Bureau ACS estimates
- [Loan-to-income by state](https://www.freerateupdate.com/state-loan-to-income): first-party median loan amount against median income for every state
- [Homes owned free and clear by state](https://www.freerateupdate.com/mortgage-free-homeownership): owner-occupied housing units reported without a mortgage, and the share they represent, for every state, from Census Bureau ACS estimates
- [Conforming and FHA loan limits](https://www.freerateupdate.com/loan-limits): the conforming and FHA loan limits by county for the current year, with per-source check dates when available
- [FRU News episodes, as data](https://www.freerateupdate.com/videos/episodes.json): the published FRU News episode list as JSON, each episode with its title, description, publish date and video watch page, for an agent that wants the series without reading the watch pages
- [Median home values dataset](https://www.freerateupdate.com/home-values): first-party median property value reported by consumers actively shopping mortgage and home-equity rates, by state and nationally
- [As Low As Rates vs. Freddie Mac PMMS](https://www.freerateupdate.com/network-rate-spread): FreeRateUpdate's best verified network rate and APR charted against the Freddie Mac PMMS national average
- [As Low As Rates history](https://www.freerateupdate.com/as-low-as-history): dated history of FreeRateUpdate's best verified network rate and APR by loan purpose and product; the historical series is still being populated
- [Mortgage rate minus 10-year Treasury spread](https://www.freerateupdate.com/mortgage-treasury-spread): the spread between the Freddie Mac PMMS 30-year fixed average and the 10-year U.S. Treasury par yield
- [U.S. HELOC market volume (2009-2025)](https://www.freerateupdate.com/resources/us-heloc-market-volume-2009-2025): historical HELOC origination volume data
- [U.S. refinance application volume (2009-2025)](https://www.freerateupdate.com/resources/us-refinance-market-volume-2009-2025): historical refinance application volume data

## Lender information
- [Approved lenders](https://www.freerateupdate.com/approved-lenders): lenders and brokers in the FreeRateUpdate network
- [Lender profiles](https://www.freerateupdate.com/lender-reviews): canonical identity, NMLS licensing details, and source links when available. Where we have them, a profile also shows published HMDA outcomes, closing-cost medians, product mix and FDIC facts, each with its source and date
- [FreeRateUpdate Score methodology](https://www.freerateupdate.com/score-methodology): how the 0-100 FreeRateUpdate Score for mortgage lenders and brokers in our network is computed from consumer reputation, the licensed team's experience and tenure from NMLS records, rate competitiveness and current network activity; every weight is published, the current distribution of Scores is shown, and no company can pay to change a score

## Learn
- [News](https://www.freerateupdate.com/news/): mortgage and home-equity education
- [FAQ](https://www.freerateupdate.com/faq): hub linking to FreeRateUpdate's full library of answered mortgage, refinance, HELOC, FHA, and VA questions

## About
- [About FreeRateUpdate](https://www.freerateupdate.com/about-us): the operating legal entity (FreeRateUpdate.com LLC, NMLS #1154338, incorporated April 2009; the site has served mortgage shoppers since 2008), its licensing, how it is compensated, its editorial review policy, the provenance of the data it publishes, and linked independent coverage and ratings
- [Contact](https://www.freerateupdate.com/contact): how to reach FreeRateUpdate

## AI capability index
- [FreeRateUpdate AI capability index](https://www.freerateupdate.com/.well-known/ai-capability-index.json): machine-readable description of FreeRateUpdate's data and content capabilities (answer content, dated advertised-rate dataset, home-value stats, lender universe, reference rate series) and licensing terms. Plain JSON over HTTP, published by FreeRateUpdate about itself; it is not an MCP server and does not implement MCP's `server/discover`. Partner/bulk access is a REST API by bearer token; see the index for contact details.