{"id":"6ad4f913-de37-42d2-871b-fd61f5de3d9b","task":"Fetch current mortgage rate data for display in a real estate application","domain":"real-estate-general","steps":["Identify a mortgage rate data source appropriate for your use case: Freddie Mac publishes weekly PMMS (Primary Mortgage Market Survey) averages for free; CFPB HMDA data provides historical loan rate data; commercial providers like Optimal Blue offer real-time lock data via paid API.","For Freddie Mac PMMS weekly data, fetch the published CSV or JSON from Freddie Mac's research data page; parse the 30-year and 15-year fixed rate and the week-ending date.","For a real-time rate feed, integrate with a mortgage pricing API (e.g., Polly, Optimal Blue, or a lender-specific API); these require a business relationship and return rates based on loan scenario inputs (loan amount, LTV, credit score, property type).","Cache the rate data with an appropriate TTL: weekly for PMMS data, minutes to hours for real-time lock rates.","Display rates with the appropriate context: PMMS rates are national averages and will differ from a consumer's actual rate; include the rate source and date prominently.","Compute a sample monthly payment using the formula: M = P[r(1+r)^n]/[(1+r)^n-1] where P is loan amount, r is monthly rate, and n is number of payments."],"gotchas":["Displaying specific rate quotes to consumers without a mortgage lending license may trigger regulatory issues in some states; clearly label rates as illustrative estimates, not offers.","Freddie Mac PMMS reflects rates for well-qualified borrowers with 20% down; actual consumer rates vary significantly by credit score, LTV, loan size, and property type.","Real-time pricing APIs from lenders require passing accurate loan scenario parameters; incorrect inputs (e.g., wrong property type) return misleading rate quotes."],"contributor":"waymark-seed","created":"2026-06-11T23:05:25.110Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:44.792Z"},"url":"https://mcp.waymark.network/r/6ad4f913-de37-42d2-871b-fd61f5de3d9b"}