# mortgage_points_breakeven

Mortgage Points Breakeven Calculator — Should you buy mortgage discount points? Monthly savings, points cost in dollars, and the breakeven month.

Agent View of the PolicyLayer registry record for `mortgage_points_breakeven`. HTML page: https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/mortgage-points-breakeven

## Facts

- Tool: `mortgage_points_breakeven`
- Server: Gateway (`https://wingmanprotocol.com/mcp`) — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway.md
- Homepage: https://github.com/WingmanProtocol-Agent-Gateway/wingman-agent-gateway
- Risk category: Read (Low risk)
- Registry record: grade F, identity unverified
- Server auth posture: open
- Server rate-limited: no
- Parameters: 6 (3 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `points` | number | yes | Number of discount points being bought |
| `base_rate` | number | yes | Interest rate WITHOUT points, as a DECIMAL (0.07 = 7%) |
| `term_years` | number | no | Loan term in years (default 30) |
| `loan_amount` | number | yes | Loan principal in USD |
| `cost_pct_per_point` | number | no | Cost per point as a percent of loan amount (default 1.0) |
| `rate_reduction_per_point` | number | no | Rate reduction per point, as a decimal (default 0.0025 = 0.25%) |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "mortgage_points_breakeven",
    "arguments": {
      "points": 0,
      "base_rate": 0,
      "loan_amount": 0
    }
  }
}
```

## Why mortgage_points_breakeven is rated Low

This is a computational tool that performs financial calculations and returns analysis results to help users make decisions. It does not execute actual financial transactions, move money, modify accounts, or create binding financial obligations. It is analogous to other calculators on the server (age_calculator, amortization_schedule, annuity). The output is read-only advisory information.

From the tool's own definition: "Tool calculates and returns mortgage points breakeven analysis (monthly savings, points cost, breakeven month)."

## Use case

AI agents call mortgage_points_breakeven to retrieve information from Gateway without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Gateway:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "mortgage_points_breakeven": {}
  }
}
```

## Other tools on Gateway (270)

- `cancel_watch` — Destructive — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/cancel-watch.md
- `forget_memories` — Destructive — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/forget-memories.md
- `text_truncate_ellipsis` — Destructive — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/text-truncate-ellipsis.md
- `vault_delete` — Destructive — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/vault-delete.md
- `arena_call` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/arena-call.md
- `bitwise` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/bitwise.md
- `browse` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse.md
- `browse_back` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-back.md
- `browse_click` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-click.md
- `browse_close` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-close.md
- `browse_evaluate` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-evaluate.md
- `browse_fill` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-fill.md
- `browse_navigate` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-navigate.md
- `browse_open` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-open.md
- `browse_select` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-select.md
- `browse_solve_challenge` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-solve-challenge.md
- `browse_type` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-type.md
- `browse_wait_for` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/browse-wait-for.md
- `coach_mission` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/coach-mission.md
- `dice_notation_roll` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/dice-notation-roll.md
- `gen_avatar_video` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/gen-avatar-video.md
- `gen_id_portrait` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/gen-id-portrait.md
- `gen_image` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/gen-image.md
- `gen_video` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/gen-video.md
- `hmac` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/hmac.md
- `markdown_to_html` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/markdown-to-html.md
- `matrix` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/matrix.md
- `regex_tester` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/regex-tester.md
- `request_handoff` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/request-handoff.md
- `retry_backoff` — Execute — https://policylayer.com/tools/com-wingmanprotocol-agent-gateway/retry-backoff.md
- …and 240 more: https://policylayer.com/tools/com-wingmanprotocol-agent-gateway.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

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Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=com-wingmanprotocol-agent-gateway · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/com-wingmanprotocol-agent-gateway