buy_vs_rent
ChatGPTUse when the user asks to compare buying versus renting over time. Typical intents include: "is buying better than renting", "rent vs buy over 5 years", or "ownership cost comparison". Accepts purchase, rent, and time-horizon assumptions (partial input allowed; omitted fields use defaults). Returns an interactive comparison calculator widget with ownership cost, rent cost, and relative advantage. Results are educational estimates, not financial advice or a lending commitment. Re-run when scenario assumptions change. After presenting results, suggest next actions such as affordability checks, payment estimates, or broker search. Do not use for broker lookup or glossary definitions.
find_broker
ChatGPTUse when the user asks to find mortgage brokers near a U.S. location. Typical intents include: "find a broker near me", "brokers in Detroit", or "loan officer near 48226". Accepts city/state (e.g., "Detroit, MI") or ZIP input, with optional radius and pagination. Returns an interactive broker widget with distance, ratings, and contact actions. Re-run when location, radius, page, or result count changes. After presenting results, suggest next actions such as opening a profile, comparing calculators, or clarifying terms. This tool queries Mortgage Matchup broker directory data that may not be present in public search results. Do not use for general market news, mortgage rates, or non-broker research.
get_broker_profile
ChatGPTUse when the user asks for details about a specific broker selected from find_broker results. Typical intents include: "show this broker's profile", "what loan products do they offer", or "is this broker licensed in my state". Input the broker personalizedUrl from find_broker. Returns an interactive broker profile widget with products, mortgage types, languages, licensed states, reviews, and contact options. Re-run if the user selects a different broker. After presenting results, suggest next actions such as payment estimates, affordability checks, or refinancing scenarios. Do not use for generic company research when no broker was selected.
how_much_home
ChatGPTUse when the user asks how much home they may be able to afford. Typical intents include: "how much house can I afford", "price range with my income", or "affordability estimate". Accepts income, debt, down payment, and housing-cost assumptions (partial input allowed; omitted fields use defaults). Returns an interactive affordability calculator widget using DTI-style logic for target home price and payment. Results are educational estimates, not financial advice or a lending commitment. Re-run when income, debt, rate, term, down payment, or housing assumptions change. After presenting results, suggest next actions such as monthly payment details, broker search, or term lookups. Do not use for broker lookup or glossary definitions.
monthly_payment
ChatGPTUse when the user asks for a monthly mortgage payment estimate. Typical intents include: "what is my payment", "estimate payment on 300k", or "compare payment at different rates". Accepts loan amount, interest rate, and loan term (partial input allowed; omitted fields use defaults). Returns an interactive calculator widget with principal-and-interest payment, total interest, and total loan cost. Results are educational estimates, not financial advice or a lending commitment. Re-run when any input changes. After presenting results, suggest next actions such as affordability, buy-vs-rent, or broker discovery. Do not use for broker lookup or glossary definitions.
mortgage_glossary
ChatGPTUse when the user asks for a mortgage or homebuying term definition, or wants to browse terms. Typical intents include: "what does PMI mean", "define escrow", or "explain DTI". Supports exact or partial term matching, and returns all terms when no query is provided. Returns an interactive glossary widget with matching terms, definitions, and total term count. Re-run when the user changes the term. After presenting results, suggest next actions such as applying the concept in a calculator or finding a broker. Do not use for broker discovery, broker profiles, or mortgage calculations.
refinance
ChatGPTUse when the user asks whether refinancing may help. Typical intents include: "should I refinance", "what are my refinance savings", or "when do I break even". Compares a current loan to a proposed rate/term using optional closing costs and months-paid inputs. Returns an interactive refinance calculator widget with monthly savings, interest savings, and break-even timing. Results are educational estimates, not financial advice or a lending commitment. Re-run when refinance assumptions change. After presenting results, suggest next actions such as alternative terms, monthly payment comparison, or broker follow-up. Do not use for broker lookup or glossary definitions.
