# AX Check: shouldirefinanceyet.com
Checked 2026-09-19.

MCP tools are documented well, but pricing details stay vague.
MCP server and API reference pass with full tool/parameter docs, but no pricing page exists and no llms.txt index is offered (404).

## End-to-end onboarding not demonstrated

## Coding sessions
All three independent sessions completed and found the site markets itself as free to start with no credit card, but none located a public pricing page. One session cited free/paid rate-limit tiers, another flagged paid pricing as unconfirmed, and one declined to state any figure to avoid guessing.

### DeepSeek V4 Pro
[View public run](https://agents.withgauge.com/p/runs/0d0f9a9a-15df-46a3-8073-c7bbd8a1733a) · [Read transcript](https://www.ax-check.com/shouldirefinanceyet.com/sessions/deepseek.json)
Final output states free tier is 10 req/min with no API key and paid tier is 60 req/min requiring a key, with the assumption spelled out that no public dollar pricing page exists (404 on /pricing) and consumer side is free with no credit card required.
#### End-to-end onboarding
- **End-to-end onboarding not demonstrated**: The session used the free, keyless tier of the hosted MCP API (10 requests/minute, no API key required) and never obtained or used real account credentials. It successfully called three MCP tools (find_minimum_rate, analyze_refinance, get_lender_rates) against the live hosted endpoint and got real computed results, which is a genuine authenticated-free-tier product operation, but no credential acquisition (sign-up, API key, login) occurred, so self-service onboarding with real credentials was never exercised.
  Event 74:

  ```text
  tools/list 200 ['data: {"result":{"tools":[{"name":"get_lender_rates"
  ```
  Event 79:

  ```text
  "minimumRate": 5.513,\n  \"currentRate\": 7.1,\n  \"rateDropNeeded\": 1.587
  ```
  Event 107:

  ```text
  totalOffersFound: 9
  {'lenderName': 'District Lending', 'nmls': '1835285', 'rate': 6.5, 'apr': 6.605, 'monthlyPayment': 3287, 'fees': 5699, 'termYears': 30}
  ```
  Event 58:

  ```text
  Tier Limit Authentication Free 10 requests per minute None required Authenticated 60 requests per minute API key
  ```

#### Hallucinated URLs
None identified in this transcript.

#### Blockers
- **Initial MCP handshake failed with malformed notification**: First attempt to send the 'notifications/initialized' message without a params field returned an HTTP 400, which is a minor agent-side protocol mistake (missing required params key) rather than a product defect. The agent immediately corrected it by adding an empty params object and succeeded on retry, so this did not block the session overall.
  Event 69:

  ```text
  urllib.error.HTTPError: HTTP Error 400: Bad Request
  ```
  Event 74:

  ```text
  notif 202  session-1789803462903-9nk1h6s
  ```

#### Suggested Changes
- **Align /mcp documentation field names with actual analyze_refinance response shape**: The /mcp docs page lists response fields for analyze_refinance (monthlyPaymentChange, totalCostSavings, breakevenMonths) as top-level, but the live API nests them under an 'analysis' object instead. Update the API Reference section of https://www.shouldirefinanceyet.com/mcp to show the real nested response shape, and verify by re-running the documented example payload against /api/mcp and diffing the actual JSON against the docs.
  Event 58:

  ```text
  Response Fields recommendation : "yes", "maybe", or "no" summary : Human-readable recommendation summary reportUrl : Link to detailed calculator report monthlyPaymentChange : Change in monthly payment (negative = savings) totalCostSavings : Total cost savings over loan life breakevenMonths : Months to recover closing costs considerations : Array of important factors to consider
  ```
  Event 93:

  ```text
  "analysis": {
      "monthlyPaymentChange": 432.78564949014844,
      "totalCostSavings": -55173.0431763574,
      "breakevenMonths": 12.70836962010959,
  ```

### Kimi K3
[View public run](https://agents.withgauge.com/p/runs/0c6a0d91-5f53-4a75-a713-ed9e4f52f77c) · [Read transcript](https://www.ax-check.com/shouldirefinanceyet.com/sessions/kimi.json)
Final output (seq 17) states 'Free to start, no credit card required' sourced from the site's own marketing copy and explicitly flags that no public pricing page exists and paid-tier rates are unconfirmed, rather than inventing a figure.
#### End-to-end onboarding
- **End-to-end onboarding not demonstrated**: No credentials were obtained or used, and no authenticated product operation occurred. The agent only performed unauthenticated HTTP probes against the public website and concluded the product exposes no developer-facing API/SDK at all, so it stopped without attempting sign-up or any authenticated call.
  Event 13:

  ```text
  curl -sL --max-time 10 https://www.shouldirefinanceyet.com | grep -oiE '(\$[0-9]+(\.[0-9]{2})?[^<]{0,50}|free[^<]{0,50}|premium[^<]{0,50}|subscribe[^<]{0,50}|/pricing|/upgrade|/signup|/sign-up)' | sort -u | head -30
  ```
  Event 17:

  ```text
  I checked for a public API, SDK, and developer docs — `/api`, `/docs`, `/developers`, `/api/v1`, and `/openapi.json` all return 404, and there's no mention of programmatic access anywhere on the site.
  ```

#### Hallucinated URLs
None identified in this transcript.

#### Blockers
- **No public API or developer surface exists**: The product is a consumer-facing web app (Next.js on Vercel, Supabase backend, Stripe billing) with no exposed API, SDK, or docs. This is product behavior, not agent error or missing credentials — the agent probed standard developer paths and all returned 404, and the homepage HTML contains no references to programmatic access.
  Event 10:

  ```text
  -- /api:
  404
  -- /docs:
  404
  -- /developers:
  404
  -- /api/v1:
  404
  -- /openapi.json:
  404
  
  ```
  Event 17:

  ```text
  The only integrations are first-party (their own frontend → Supabase/Stripe), not anything exposed to third parties.
  ```

#### Suggested Changes
- **Publish a pricing page instead of a 404**: The /pricing route currently returns a 404 page, yet Stripe integration is present in the CSP headers, implying a paid tier exists. Add a real /pricing page listing plan tiers and cost so prospective users (and integrators) don't hit a dead end; verify by curling https://www.shouldirefinanceyet.com/pricing and confirming it returns 200 with plan details instead of the 404 template.
  Event 10:

  ```text
  property="og:title" content="Page Not Found - Should I Refinanc
  ```

### Qwen 3.8 Max
[View public run](https://agents.withgauge.com/p/runs/dcf2b461-3e99-4f12-b1a8-3bc966109200) · [Read transcript](https://www.ax-check.com/shouldirefinanceyet.com/sessions/qwen.json)
Final output explicitly refuses to state a price ("I can't tell you, and I won't guess... anything beyond that would be fabrication") — no cost figure or assumptions are given at all.
#### End-to-end onboarding
- **End-to-end onboarding not demonstrated**: The agent never obtained or used product credentials. It only probed the public marketing site (shouldirefinanceyet.com) for developer surfaces (/api, /docs, /developers, /pricing all 404'd) and searched npm for an SDK, finding nothing relevant. It concluded there is no developer workflow to act on and stopped without attempting sign-up, API keys, or any authenticated operation.
  Event 24:

  ```text
  == api
  404 
  == docs
  404 
  == developers
  404 
  == pricing
  404 
  ```
  Event 30:

  ```text
  No developer surface: `/api` → 404, `/docs` → 404, `/developers` → 404, `/pricing` → 404.
  ```
  Event 30:

  ```text
  Not applicable. There's no hosted API/SDK, no docs, no credentials, and no repo code, so there's nothing to build an example against or to maintain.
  ```

#### Hallucinated URLs
None identified in this transcript.

#### Blockers
- **No public API, SDK, or developer docs found**: Product behavior: the agent checked common developer-facing paths on the live site (shouldirefinanceyet.com) and all returned 404, and an npm search for a matching SDK package returned unrelated results. The site's own sitemap and robots.txt list only consumer-facing pages (calculator, interest-rates, blog, sign-up). This is not a test-environment or credential issue; the product itself appears to expose no developer surface to build against.
  Event 24:

  ```text
  == api
  404 
  == docs
  404 
  == developers
  404 
  == pricing
  404 
  ```
  Event 28:

  ```text
  # *
  User-agent: *
  Allow: /
  Allow: /calculator
  Allow: /sign-up
  Allow: /interest-rates
  Allow: /interest-rates/15
  Allow: /interest-rates/30
  Disallow: /account
  Disallow: /sign-up/step-2
  Disallow: /sign-up/step-3
  Disallow: /sign-up/success
  Disallow: /calculator/report
  ```
  Event 16:

  ```text
  ['@morpho-org/morpho-sdk', 'node-addon-api', 'napi-build-utils', '@octokit/core', '@octokit/types']
  ```

#### Suggested Changes
- **Publish a developer/API landing page if programmatic access is intended**: If an API or SDK is meant to exist for Should I Refinance Yet?, add a discoverable /developers or /docs page linked from the main site or listed in sitemap.xml so agents and developers do not hit 404s at the conventional paths (/api, /docs, /developers, /pricing). Verify by re-running the same path checks and confirming a 200 response with actual API documentation instead of 404.
  Event 24:

  ```text
  == docs
  404 
  == developers
  404 
  ```

### Task given to each agent
Help me build a simple example using Should I Refinance Yet?. Tell me how pricing works, and briefly tell me whether this product will be easy for you to manage. Let me know if you get blocked. If this product has no developer workflow you can act on, say so plainly and stop. Stay light: use the hosted product through its SDK or API. Do not start local service stacks or wait for long-running commands; if the quickstart requires either, say so plainly and stop.

No product credentials were supplied and no purchases were authorized.

## Score: D · 29/100 (provisional)
Grades come from completed site checks. Coding sessions and skipped checks do not affect the score.

### Clarity
- **Failed** — Homepage answers Markdown requests

  ```text
  Homepage returned text/html despite text/markdown Accept header; no Markdown representation offered.
  ```

- **Failed** — llms.txt provides an actionable documentation index

  ```text
  /llms.txt returns HTTP 404, so no documentation index exists.
  ```

- **Skipped** — llms.txt provides navigation guidance

  ```text
  No llms.txt body exists (404), so navigation guidance cannot be judged.
  ```

- **Skipped** — llms.txt mentions offered API, MCP, and skills

  ```text
  No llms.txt body exists (404), so API/MCP/skills mentions cannot be judged.
  ```

- **Skipped** — A compact guide representation exists

  ```text
  No site-published Markdown guide found; /llms.txt 404 and homepage serves HTML only.
  ```

- **Skipped** — A focused guide is directly retrievable

  ```text
  No standalone .md guide or negotiated Markdown representation was fetched for this product.
  ```

- **Skipped** — Equivalent instructions fit a token budget

  ```text
  No compact guide representation exists, so token budget cannot be measured.
  ```

- **Skipped** — Product-docs links survive format changes

  ```text
  Homepage Markdown unsupported, so link preservation across formats cannot be judged.
  ```

- **Skipped** — The compact guide is independently actionable

  ```text
  No compact agent guide fetched; only homepage, sign-up and MCP pages were retrieved.
  ```

- **Pass** — Install and next-step links resolve

  ```text
  Homepage sign-up and MCP links fetched successfully (200), so sampled next-step links resolve.
  ```


### Onboarding
- **Skipped** — Docs lead to a relevant quickstart

  ```text
  No docs or quickstart pages were fetched; only sign-up and a 404 llms.txt.
  ```

- **Skipped** — Installation commands are extractable

  ```text
  No installation or CLI guide was fetched for this consumer web app.
  ```

- **Skipped** — Code examples are available without interaction

  ```text
  No code examples or developer docs were fetched in this sample.
  ```

- **Skipped** — Prerequisites and auth boundaries are explicit

  ```text
  Sign-up form shows email and loan fields, but no API auth boundary was fetched.
  ```


### Pricing
- **Skipped** — Pricing is readable without interaction

  ```text
  Not applicable: the relevant product is free. No pricing page fetched; homepage only says free to start, no paid plan details.
  ```

- **Skipped** — Prices are stated, not gated

  ```text
  Not applicable: the relevant product is free. No pricing page fetched; homepage states free to start, no credit card required.
  ```

- **Skipped** — Pricing units and limits are explicit

  ```text
  Not applicable: the relevant product is free. No pricing page fetched, so pricing units and limits cannot be assessed.
  ```

- **Skipped** — Agents identify pricing and its assumptions

  ```text
  Not applicable: the relevant product is free. No pricing page fetched; homepage only says free to start, no paid plan details.
  ```


### Activation
- **Pass** — An API reference or OpenAPI spec is reachable

  ```text
  MCP page documents three tools with full parameter and response reference for each.
  ```

- **Pass** — An MCP server is documented and well-formed

  ```text
  MCP page gives server URL config, three tools, params, responses, rate limits, auth tiers.
  ```

- **Skipped** — A CLI install path is documented

  ```text
  No CLI install path documented on any fetched Should I Refinance Yet page.
  ```

- **Skipped** — SDK packages resolve on their registries

  ```text
  No SDK or package registry result supplied for this product.
  ```

- **Skipped** — Agent skills are published

  ```text
  No agent skills published or referenced on fetched Should I Refinance Yet pages.
  ```



[Full report data](https://www.ax-check.com/shouldirefinanceyet.com/report.json)