For MLS Organizations

Give your members a new way to search for homes:
by how they can be financed.

Your MLS already knows the property's story — price, location, features, history. Special Financing Intelligence lets it tell members the financing story too, inside the platform they already use. Nothing to replace, nothing to migrate.

Find more buyers

Expose FHA condo, VA, USDA, CRA and assumable-financing opportunities that are invisible in price, beds and baths — and keep low-down-payment buyers in the pool.

Reduce financing surprises

Surface property-specific eligibility at listing entry and in search — so deals stop dying in week three when underwriting finally checks HUD's condo list.

Add member value

Turn financing intelligence into MLS search filters, listing badges and detail panels — a visible member benefit your board can point to.

Financing intelligence moves to the front of the transaction.

Don't wait until underwriting to discover whether a property presents a financing opportunity — or an obstacle.

Today Listing→ Search→ Showing→ Offer→ Contract→ Financing discovered late

With RatePlug Listing→ Financing identified→ Search→ Offer→ Close

See the Special Financing opportunities in your market Give us 30 minutes and one county in your footprint — we'll show you the financing opportunities hiding inside your own inventory.

The condo financing blind spot

FHA buyers are locked out of condos nobody flagged.

Condos are the most affordable inventory in most markets, and FHA's 3.5%-down program is how first-time buyers reach them. But FHA financing on a condo depends on the project's HUD approval status — a fact almost no listing surfaces today.

Deals die in week three
The buyer is under contract before anyone checks HUD's condo list. If the project isn't approved, the FHA loan — and the deal — falls apart late.
Agents steer around the risk
Unsure which projects qualify, listing agents quietly discourage FHA offers — shrinking the buyer pool on the very listings that need it most.
The data lives in the wrong place
Approval status, owner-occupancy and FHA concentration sit in HUD systems and lender checklists — not in the MLS, where the decision actually gets made.

Who can buy this condo listing?

Illustrative — a typical entry-level condo

All active buyers in the market100%

Status unknown — FHA offers discouragedconventional & cash only

Flagged “FHA Condo Eligible” up frontfull buyer pool

Over 80% of FHA purchase loans go to first‑time buyers. When a listing shows its FHA status up front, those buyers — and their agents — stay in the deal.

Flagship data set

FHA Condo Eligibility — project-level truth,
unit-level answers.

RatePlug continuously tracks every HUD-approved condominium project in the country — approvals, expirations, owner-occupancy and FHA concentration — and resolves any condo address to a clear, display-ready eligibility status.

Primary offering

What comes back with every condo address

A single API field answers the question every buyer's lender will eventually ask — before the offer is written, not after.

Unit-level eligibility status
HUD project name & Condo ID
Project approval status
Approval expiration date
Owner-occupancy % & violations
FHA concentration % & violations
Total units in project
Last-updated date on every record

Five statuses. Zero ambiguity.

Every condo resolves to one display-ready value:

Eligible

Project approved — market the listing to FHA buyers with confidence.

Caution

Approved, but an occupancy or concentration violation could block the loan.

New Construction

Approved — verify presale criteria with the developer first.

Eligible For Review

Not yet approved — may still qualify via FHA Single Unit Approval.

Ineligible

Not approved and not eligible — save everyone three weeks of pain.

How FHA Condo Eligibility works

From condo address to confident answer, in five steps.

The workflow behind the badge — continuously refreshed against HUD condominium project data, so your members never market yesterday's approval.

A condo listing appears

An address with a unit number enters your system — a new listing, a search result, or a nightly feed record.

RatePlug matches the project

The address is standardized and resolved to its HUD condominium project — name, Condo ID and approval record.

The eligibility engine scores it

Approval status, expiration, 35% owner-occupancy rule and FHA concentration caps are evaluated for the unit.

A clear status comes back

Eligible, Caution, New Construction, Eligible For Review or Ineligible — plus the project detail behind it.

Eligible

Agents & buyers see it everywhere

Badges on search results, listing detail and listing-entry screens — before the offer is written.

“Not approved” isn't a dead end — it's a lead.

Units flagged Eligible For Review sit in projects that may qualify through HUD's Single Unit Approval process. RatePlug's data — backed by a national network of FHA condo approval specialists — identifies exactly those opportunities, so agents can keep FHA buyers in the deal instead of walking away.

Also in the same response

Five more special-financing signals, one API call.

Every lookup also returns the full special-financing profile of the property — no extra calls, no extra integrations.

Assumable Mortgage Detail

Flags properties with assumable FHA/VA/USDA loans, with an add-on option for the full picture: estimated balance, interest rate, monthly payment, remaining term and the equity gap a buyer must cover.

est. 3.25% · $1,401/mo

CRA Tract Eligibility

Census-tract income level and demographics that unlock Community Reinvestment Act lending programs — grants, below-market rates and reduced-cost mortgages many buyers never hear about.

Tract income: Low / Moderate / Middle / Upper

USDA Area Eligibility

Identifies properties inside USDA-designated rural areas where qualified buyers can finance with 0% down — a game-changer often hiding at the edge of your market.

0% down

VA Eligibility

Confirms the address and property type qualify for VA financing — 0% down for the veterans and service members in your buyer pool.

0% down

FHA Loan Limit Eligibility

Every county's current FHA loan limit, plus a per-property flag confirming the price and property type fit — so “3.5% down” can be promoted accurately.

County limits, always current

Property Valuation (AVM)

An automated valuation with high/low range, confidence score and valuation date rides along with every record — context for affordability displays and assumable equity math.

Value + confidence score

In your system

What this looks like in front of agents and buyers.

Three drop-in patterns MLSs, broker sites and property-search platforms use to turn RatePlug data into member value. All screens below are illustrative, with sample data.

1 Property search · results page

Special financing becomes a search filter.

Eligibility flags become facets and badges — buyers filter for what they can actually finance, and eligible listings get discovered by a bigger pool.

yourpropertysearch.com/san-diego?special-financing=fha-condo

San Diego, CA Price ▾ Beds ▾ FHA Condo Eligible × 0% Down ▾

128 homes with special financing options

FHA CONDO ELIGIBLE

$429,000

2 bd · 2 ba · 1,140 sqft · Condo

4287 Harbor Pointe Dr #12B, San Diego

3.5% Down FHA Assumable 3.25%

VA 0% DOWN

$515,000

4 bd · 2.5 ba · 2,210 sqft · Single family

1732 Kettner Ridge Ct, San Diego

VA Eligible CRA programs may apply

USDA 0% DOWN

$342,500

3 bd · 2 ba · 1,680 sqft · Single family

9410 Valley Oak Ln, Ramona

USDA 0% Down FHA within limits

Illustrative interface with sample data — your brand, your design system, RatePlug data underneath.

2 Listing detail page

A “Special Financing” panel on every listing.

The listing detail page is where buyers decide to act. A financing panel — FHA condo status first — turns “can we even afford this?” into “here's how.”

yourmls.com/listing/4287-harbor-pointe-dr-unit-12b

FHA CONDO ELIGIBLE

$429,000 Special financing available

4287 Harbor Pointe Dr, Unit 12B · San Diego, CA 92106

2Beds

2Baths

1,140Sq Ft

$410HOA/mo

CondoType

Special Financing Powered by RatePlug

FHA Condo Eligible

Harbor Pointe Condominiums is an FHA-approved project — buyers can finance this unit with as little as 3.5% down.

HUD ID S011234 Owner-occ 68.5% Approved thru Jan 2027

Assumable loan est. 3.25% fixed

A qualified buyer may assume the seller's FHA loan — est. balance $285,400, est. P&I $1,401/mo.

VA financing 0% down

Address and property type qualify for VA financing. County FHA limit: $1,149,825.

See payment scenarios

Sample data. The featured FHA condo block appears automatically for attached-residential listings.

3 MLS listing entry · real-time check

The moment an agent adds a listing, the MLS already knows.

Your listing-maintenance screen calls the API as soon as the agent enters the address. A unit number plus an attached-residential class signals a condo — and FHA Condo Eligibility comes back first, before the listing is even saved.

mls.yourmarket.com/listings/new

Add New Listing

Residential Attached · Draft — not yet published

MLS # Auto-assigned on save

Property Class * Residential Attached / Condo

Street Address * 4287 Harbor Pointe Dr

Unit # 12B

City San Diego

State CA

ZIP 92106

Address verified · special financing check complete

List Price * $429,000

Beds / Baths 2 / 2

HOA Dues $410 / month

Year Built 2004

Special Financing Check LIVE · 0.4s

GET /v1/special-financing?fips=06073&address=4287+harbor+pointe+dr+12b

FHA Condo Eligibility ELIGIBLE

Condo detected — matched to Harbor Pointe Condominiums (HUD ID S011234)

Owner-occ 68.5% (req. ≥35%) FHA concentration 22.1% Approval expires 01/31/2027

Assumable FHA loan · est. 3.25% · est. bal. $285,400 Yes

VA 0% down for qualified buyers Eligible

FHA limit $1,149,825 county limit · within limit OK

CRA tract Middle income · lender programs may apply Middle

USDA Not in a USDA-designated rural area N/A

Show “FHA Condo Eligible” badge on this listing

Include assumable loan details for buyer agents

Add VA / financing remarks to public detail

Sample data. One API call at address entry — the agent publishes a listing that's already marketing itself to more buyers.

Under the hood

One request. Every special-financing answer.

A simple, secure REST exchange between your platform and RatePlug — fast enough for real-time listing entry, simple enough to ship in a sprint.

Your Platform — MLS · Broker · Portal

RatePlug Special Financing API

1 A listing event fires

An agent saves a new listing, a buyer opens a property page, or your nightly enrichment job runs.

Listing entry Detail page view Batch refresh

Request — HTTPS GET /v1/special-financing?fips=06073&address=4287+harbor+pointe+dr+12b
X-Api-Key: rp_live_•••••••• // lookup by address, APN, or property ID

2 RatePlug resolves & scores

Standardize & match the address to a RatePlug Property ID

Evaluate FHA loan limits, VA, USDA areas & CRA tract data

Condo? Resolve HUD project → FHA Condo Eligibility status

Attach assumable-loan detail & AVM per your data options

Response — 200 OK · JSON · sub-second { "FHACondoEligible": true, "FHACondoEligibility": {…}, "Assumable": true,
"VAEligible": true, "USDAAreaEligible": false, "CRAEligible": "Middle", "FHALoanLimit": 1149825 }

3 You store & map

Key records by RatePlugPropertyID, map the eligibility fields to your listing schema, and re-check on edit or on your refresh schedule.

4 The MLS displays it to members

The data goes to work where members work — financing badges on search results, a Special Financing panel on listing detail, and live eligibility checks the moment an agent enters a new listing.

Search-result badges Listing-detail panels Listing-entry checks

Real-time at listing entry

Call on address save; show agents the financing profile before the listing publishes.

On-display enrichment

Enrich search results and detail pages on render, cached by property ID.

Bulk by county

Query by FIPS code without an address to pull eligible records county-wide for batch loads.

For your developers

Documentation your engineers will actually enjoy.

Everything needed to scope and ship the integration lives at api.rateplug.com/doc:

One REST endpoint — GET /v1/special-financing with lookups by FIPS + address, APN, or RatePlug Property ID
Simple auth — per-partner API keys via the X-Api-Key header, managed in the Partner Portal
Complete data dictionary — every field's name, type, size and meaning, for the standard package and both add-on data options
Worked examples — sample requests and full JSON responses, FIPS county-code lookup, error codes and rate limits

Read the API Documentation

# Try it with your sandbox key
curl "https://api.rateplug.com/v1/special-financing?fips=06073&address=4287+harbor+pointe+dr+12b" \
  -H "X-Api-Key: rp_live_your_api_key_here"

# Response (excerpt)
{
  "status": "success",
  "data": {
    "RatePlugPropertyID": 284710593,
    "FinalValue": 425000.00,
    "FHAEligible": true,
    "FHALoanLimit": 1149825.00,
    "FHACondoEligible": true,
    "VAEligible": true,
    "USDAAreaEligible": false,
    "CRAEligible": "Middle",
    "Assumable": true,
    "FHACondoEligibility": { "EligibilityStatus": "Eligible", … },
    "AssumableMortgage": { "EstimatedInterestRate": 3.25, … }
  }
}

Every listing has a financing story.
Now your MLS can tell it.

Give your members a new way to search for homes:
by how they can be financed.

Find more buyers

Reduce financing surprises

Add member value

FHA buyers are locked out of condos nobody flagged.

FHA Condo Eligibility — project-level truth,
unit-level answers.

What comes back with every condo address

Five statuses. Zero ambiguity.

From condo address to confident answer, in five steps.

A condo listing appears

RatePlug matches the project

The eligibility engine scores it

A clear status comes back

Agents & buyers see it everywhere

Five more special-financing signals, one API call.

Assumable Mortgage Detail

CRA Tract Eligibility

USDA Area Eligibility

VA Eligibility

FHA Loan Limit Eligibility

Property Valuation (AVM)

What this looks like in front of agents and buyers.

Special financing becomes a search filter.

A “Special Financing” panel on every listing.

The moment an agent adds a listing, the MLS already knows.

Add New Listing

One request. Every special-financing answer.

1 A listing event fires

2 RatePlug resolves & scores

3 You store & map

4 The MLS displays it to members

Documentation your engineers will actually enjoy.

See the financing stories hiding in your own inventory.

Give your members a new way to search for homes:by how they can be financed.

Find more buyers

Reduce financing surprises

Add member value

FHA buyers are locked out of condos nobody flagged.

FHA Condo Eligibility — project-level truth,unit-level answers.

What comes back with every condo address

Five statuses. Zero ambiguity.

From condo address to confident answer, in five steps.

A condo listing appears

RatePlug matches the project

The eligibility engine scores it

A clear status comes back

Agents & buyers see it everywhere

Five more special-financing signals, one API call.

Assumable Mortgage Detail

CRA Tract Eligibility

USDA Area Eligibility

VA Eligibility

FHA Loan Limit Eligibility

Property Valuation (AVM)

What this looks like in front of agents and buyers.

Special financing becomes a search filter.

A “Special Financing” panel on every listing.

The moment an agent adds a listing, the MLS already knows.

Add New Listing

One request. Every special-financing answer.

1 A listing event fires

2 RatePlug resolves & scores

3 You store & map

4 The MLS displays it to members

Documentation your engineers will actually enjoy.

See the financing stories hiding in your own inventory.

Give your members a new way to search for homes:
by how they can be financed.

FHA Condo Eligibility — project-level truth,
unit-level answers.