If you have ever tried to build a “mortgage rates today” feature, you have probably landed on the same fork in the road I did. Consumer finance sites publish attractive numbers, but those pages are editorial HTML, not APIs. Layout changes break scrapers, terms of use are unclear, and it is hard to explain what statistic you are actually showing. For a developer project meant to be forked on GitHub, that path is a dead end.
I wanted something smaller and more honest: national 30-year and 15-year fixed benchmarks from a source economists already cite, plus a separate surface where first-time buyers could ask basic questions without handing over sensitive data. The result is US Homes Mortgage Agent, an open-source FastAPI application with two clear jobs. One page shows macro rates and a chart. Another page hosts a conversational assistant that is grounded in the same data and in plain Python math.
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