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Break-even months and net gain at your holding period for 0-3 discount points

https://saylorinnovations.com/api/housing/points-vs-rate

Overview

Break-even months and net gain at your holding period for 0-3 discount points

Protocol x402
Price $0.01
Payment Asset USD Coin
Payment Network eip155:8453
Category uncategorized
Provider Saylor Innovations Mortgage Poi
Source bazaar
Indexed 2026-10-26 07:40:53

Health

Status healthy
Latency (p50) 659ms
Uptime (30d) 100.0%
Reliability Score 85/100
Last Checked 2026-10-28 15:23:54
Last Healthy 2026-10-28 15:23:54
Consecutive Failures 0

x402 Payment Validation

Payment Requirements Valid
Asset Verified Known USDC
Facilitator —

Input Schema

{ "method": "GET", "queryParams": { "hold_years": "7", "loan_amount": "350000", "rate_cut_per_point_percent": "0.25", "rate_percent": "6.75", "term_years": "30" }, "type": "http" }

Output Schema

{ "example": { "options": [ { "break_even_months": 56, "net_gain_at_hold": 2100, "points": 1 } ], "recommendation": "Buying points pays off if you keep the loan beyond 56 months." }, "type": "json" }

Recent Health Checks

Time Status HTTP Latency Error
2026-10-28 15:23:54 healthy 402 473ms
2026-10-28 14:18:28 healthy 402 1114ms
2026-10-28 06:56:00 healthy 402 576ms
2026-10-28 05:34:48 healthy 402 721ms
2026-10-28 04:36:42 healthy 402 581ms
2026-10-28 03:43:19 healthy 402 659ms
2026-10-28 02:42:28 healthy 402 485ms
2026-10-28 01:38:27 healthy 402 461ms
2026-10-28 00:32:29 healthy 402 717ms
2026-10-27 23:36:37 healthy 402 328ms
2026-10-27 22:47:26 healthy 402 1876ms
2026-10-27 21:38:42 healthy 402 1302ms
2026-10-27 20:24:19 healthy 402 708ms
2026-10-27 19:18:48 healthy 402 469ms