---
name: wealthpulse-phi.vercel.app
description: WealthPulse Mortgage Affordability is a single-endpoint service that computes home affordability estimates, monthly payment projections, buy-vs-wait recommendations, and cost-of-waiting analysis using live FRED mortgage rate data. It also surfaces relevant first-time homebuyer assistance programs based on the user's location and financial inputs.
host: wealthpulse-phi.vercel.app
---

# wealthpulse-phi.vercel.app

This host serves individuals evaluating whether and how much home they can afford, given their income, existing debt, down payment, and location. It pulls live FRED mortgage rates to contextualize affordability rather than relying on static assumptions. It is a single-shot analytical tool, not a lender integration or rate-streaming service.

## When to use this host

Use this host when an agent needs to answer questions about how much home a user can afford, estimate monthly mortgage payments, or provide a data-backed buy-vs-wait recommendation. It is appropriate for first-time homebuyer guidance tied to a specific location. Do not use it for live mortgage rate streaming, loan pre-approval workflows, lender comparisons, or ongoing rate monitoring — those require a dedicated financial data feed or lender API. It is also not suitable for investment property analysis or refinancing scenarios beyond basic affordability framing.

## Capabilities

### Mortgage Affordability Analysis

Computes maximum affordable home price, estimated monthly payments, buy-vs-wait recommendation with cost-of-waiting breakdown, and first-time buyer program suggestions based on user financial profile and live mortgage rates.

- **`fetch-mortgage-affordability`** — Calculates home affordability, monthly payment estimates, buy-vs-wait recommendation, cost-of-waiting analysis, and first-time buyer program suggestions using live FRED mortgage rates.

## Skill reference

### `fetch-mortgage-affordability`

**WealthPulse Mortgage Affordability** — Calculates home affordability, monthly payment estimates, buy-vs-wait recommendation, cost-of-waiting analysis, and first-time buyer program suggestions using live FRED mortgage rates.

*Use when:* Use when a user asks how much house they can afford, wants a monthly payment estimate, needs a buy-vs-wait recommendation, or is looking for first-time homebuyer assistance programs based on their income, down payment, debt, and location.

*Not for:* Do not use for real-time mortgage rate streaming or loan pre-approval; this is a single-shot affordability analysis, not a lender application or live rate feed.

**Inputs:**

- `income` (number, required) — Annual gross income in USD.
- `down` (number, required) — Down payment amount in USD.
- `location` (string) — City/state or region for localized program suggestions. Defaults to 'US'.
- `debt` (number) — Existing monthly debt payments in USD (e.g. car loans, student loans).
- `lang` (string) — Response language code. Supported: en, es, fr, de, pt, zh.

**Returns:** Returns affordability ranges (conservative and stretched), monthly P&I estimates at current FRED 30-yr rate, a buy-vs-wait recommendation with cost-of-waiting analysis, and a list of first-time buyer programs for the specified location.

**Example:** `GET https://wealthpulse-phi.vercel.app/api/wealth/mortgage?income=95000&down=60000&location=Austin%2C%20TX&debt=500&lang=en`

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