{"service":"loan-amortization-api","version":"1.0.0","description":"Loan & mortgage math: amortization schedules, monthly payment, true APR with fees, extra-payment savings, refinance break-even, affordability. Deterministic & zero-dependency.","endpoints":["POST /payment","POST /schedule","POST /apr","POST /extra-payment","POST /refinance","POST /affordability","GET /health","GET /version","GET /openapi.json"],"example":{"url":"https://api.lazy-mac.com/loan-amortization-api/payment","body":{"principal":300000,"annual_rate":6.5,"term_years":30}},"pricing":{"free":"200 req/min/IP","pro":"$9/mo unlimited"}}