> For the complete documentation index, see [llms.txt](https://api-docs.realfinity.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://api-docs.realfinity.io/api/api-reference/pricing.md).

# Pricing

Mortgage pricing. Every call runs under an agent belonging to the calling application's company; see Realfinity.Public.Api.Security.IPricingAgentGuard for why that, rather than the request, is the scope boundary.

## Search mortgage pricing

> The agent must hold a currently valid licence in the subject property's state. If no eligible
> \
> products come back, call the ineligible-products endpoint with the same searchId to see why.

```json
{"openapi":"3.0.4","info":{"title":"HomeDashboard","version":"v1.2"},"tags":[{"name":"Pricing","description":"Mortgage pricing. Every call runs under an agent belonging to the calling application's company;\r\nsee Realfinity.Public.Api.Security.IPricingAgentGuard for why that, rather than the request, is the scope boundary."}],"servers":[{"url":"/homedashboard"}],"security":[{}],"paths":{"/pricing/search":{"post":{"tags":["Pricing"],"summary":"Search mortgage pricing","description":"The agent must hold a currently valid licence in the subject property's state. If no eligible\r\nproducts come back, call the ineligible-products endpoint with the same searchId to see why.","requestBody":{"content":{"application/json;odata.metadata=minimal;odata.streaming=true":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=minimal;odata.streaming=false":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=minimal":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=full;odata.streaming=true":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=full;odata.streaming=false":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=full":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=none;odata.streaming=true":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=none;odata.streaming=false":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=none":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.streaming=true":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.streaming=false":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=minimal;odata.streaming=true;IEEE754Compatible=false":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=minimal;odata.streaming=true;IEEE754Compatible=true":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=minimal;odata.streaming=false;IEEE754Compatible=false":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=minimal;odata.streaming=false;IEEE754Compatible=true":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=minimal;IEEE754Compatible=false":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=minimal;IEEE754Compatible=true":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=full;odata.streaming=true;IEEE754Compatible=false":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=full;odata.streaming=true;IEEE754Compatible=true":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=full;odata.streaming=false;IEEE754Compatible=false":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=full;odata.streaming=false;IEEE754Compatible=true":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=full;IEEE754Compatible=false":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=full;IEEE754Compatible=true":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=none;odata.streaming=true;IEEE754Compatible=false":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=none;odata.streaming=true;IEEE754Compatible=true":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=none;odata.streaming=false;IEEE754Compatible=true":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=none;odata.streaming=false;IEEE754Compatible=false":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest"}},"application/json;odata.metadata=none;IEEE754Compatible=false":{"schema":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing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pricing agent, or unrecognised property state"},"401":{"description":"Unauthorized"},"403":{"description":"The agent is not licensed in the property state"},"404":{"description":"The requested pricing agent was not found"},"422":{"description":"The pricing request was rejected"},"502":{"description":"The pricing engine is unavailable"}}}}},"components":{"schemas":{"Realfinity.Common.Models.Pricing.Requests.SearchPricingRequest":{"type":"object","properties":{"commissionTier":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.CommissionTier"},"useAgentObAccount":{"type":"boolean","description":"If true, price under the agent's own OptimalBlue account (their configured channel and originator) instead of a commission-tier account. Honored only for Realfinity.AI.Api-originated calls; takes precedence over commissionTier. Fails if the agent has no OptimalBlue account configured."},"userId":{"type":"string","description":"Realfinity user ID (GUID) of the pricing agent, from search_users or the loan's officer. 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mortgage lates, last 12 months.","format":"int32"},"mortgageLates120In13To24Months":{"type":"integer","description":"120-day mortgage lates, months 13-24.","format":"int32"}},"additionalProperties":false},"Realfinity.Common.Models.Pricing.OptimalBlue.ExpandedGuidelinesIncomeVerificationType":{"enum":["FullDoc","PersonalBankStmt1Mo","PersonalBankStmt6Mos","PersonalBankStmt12Mos","PersonalBankStmt18Mos","PersonalBankStmt24Mos","BusinessBankStmt1Mo","BusinessBankStmt6Mos","BusinessBankStmt12Mos","BusinessBankStmt18Mos","BusinessBankStmt24Mos","OneYearAltDoc","AssetRelated","InvestorDscr","RestrictedStock","InvestorNoRatio","PersonalBankStmt3Mos","BusinessBankStmt3Mos","TwoYearAltDoc","WrittenVOE","Stated","OneYear1099","TwoYear1099","PLOneYear","PLTwoYear","NoIncomeVerification"],"type":"string"},"Realfinity.Common.Models.Pricing.OptimalBlue.ExpandedGuidelinesHousingEventType":{"enum":["None","DeedInLieu","Foreclosure","Modification","ShortSale","Forbearance"],"type":"string"},"Realfinity.Common.Models.Pricing.OptimalBlue.ExpandedGuidelinesHousingEventSeasoning":{"enum":["NotApplicable","Last1To12Months","Last13To24Months","Last25To36Months","Last37To48Months","Last49To60Months","MoreThanFiveYearsAgo"],"type":"string"},"Realfinity.Common.Models.Pricing.OptimalBlue.ExpandedGuidelinesBankruptcyType":{"enum":["None","Chapter7","Chapter11","Chapter13"],"type":"string"},"Realfinity.Common.Models.Pricing.OptimalBlue.ExpandedGuidelinesBankruptcyOutcome":{"enum":["NotApplicable","Discharged","Dismissed","OpenOrPending"],"type":"string"},"Realfinity.Common.Models.Pricing.OptimalBlue.ExpandedGuidelinesBankruptcySeasoning":{"enum":["NotApplicable","Last1To12Months","Last13To24Months","Last25To36Months","Last37To48Months","Last49To60Months","MoreThanFiveYearsAgo"],"type":"string"},"Realfinity.Common.Models.Pricing.OptimalBlue.LoanPricingCriteriaFeesIn":{"enum":["No","Yes"],"type":"string"},"Realfinity.Common.Models.Pricing.Requests.SearchPricingQmInformation":{"type":"object","properties":{"refinancePrepaymentFeeAmount":{"type":"number","description":"Refinance 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an"},"feePercentageBasedOn":{"type":"string","nullable":true},"feeType":{"type":"string","nullable":true}},"additionalProperties":false},"Realfinity.Common.Models.Opportunity.OpportunityTypeModel":{"type":"object","properties":{"name":{"type":"string","nullable":true},"shortName":{"type":"string","nullable":true}},"additionalProperties":false},"Realfinity.Common.Models.Pricing.TotalLoanAmountDetails":{"type":"object","properties":{"totalLoanAmount":{"type":"number","format":"double"},"upfrontPmiMipFfGfPercent":{"type":"number","format":"double"},"upfrontPmiMipFfGfAmount":{"type":"number","format":"double"},"upfrontPmiMipFfGfPaidinCash":{"type":"number","format":"double"},"upfrontPmiMipFfGfFinancedAmount":{"type":"number","format":"double"}},"additionalProperties":false},"Realfinity.Common.Models.Pricing.Guideline":{"type":"object","properties":{"documentDescription":{"type":"string","nullable":true},"guidelineLink":{"$ref":"#/components/schemas/Realfinity.Common.Models.Pricing.Link"}},"additionalProperties":false},"Realfinity.Common.Models.Pricing.Link":{"type":"object","properties":{"href":{"type":"string","format":"uri","nullable":true},"action":{"type":"string","nullable":true},"fileExtension":{"type":"string","nullable":true},"types":{"type":"array","items":{"type":"string"},"nullable":true}},"additionalProperties":false},"Realfinity.Common.Models.Pricing.Message":{"type":"object","properties":{"code":{"type":"string","nullable":true},"messageText":{"type":"string","nullable":true}},"additionalProperties":false}}}}
```

## GET /pricing/searches/{searchId}/ineligible-products

> Ineligible products from a prior search

```json
{"openapi":"3.0.4","info":{"title":"HomeDashboard","version":"v1.2"},"tags":[{"name":"Pricing","description":"Mortgage pricing. 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```

## Product detail from a prior search

> searchId is a transient OptimalBlue session token from a prior search. If it has expired,
> \
> run the search again for a fresh one.

```json
{"openapi":"3.0.4","info":{"title":"HomeDashboard","version":"v1.2"},"tags":[{"name":"Pricing","description":"Mortgage pricing. Every call runs under an agent belonging to the calling application's company;\r\nsee Realfinity.Public.Api.Security.IPricingAgentGuard for why that, rather than the request, is the scope boundary."}],"servers":[{"url":"/homedashboard"}],"security":[{}],"paths":{"/pricing/searches/{searchId}/products/{productId}":{"get":{"tags":["Pricing"],"summary":"Product detail from a prior search","description":"searchId is a transient OptimalBlue session token from a prior search. 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```