All servers · Payments & accounting

Clara Mortgage Assistant

io.github.clara-finance/clara-mortgage-assistant · v0.1.1

Measured by MCP Station

Description written by the publisher, not verified

Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.

Connect

claude mcp add --transport http clara-mortgage-assistant https://mcp.claratech.ai/mcp

{
  "mcpServers": {
    "clara-mortgage-assistant": {
      "url": "https://mcp.claratech.ai/mcp"
    }
  }
}

Tools as reported by the server

• refuse_unsupported_mortgage_request
  Returns a fixed explanation that a request is outside this calculator's scope, with a calculation it can do instead. Categories: approval or underwriting decisions, lender or product recommendations, borrower documents or accounts, current rates, rules, or thresholds, external actions such as submit
• compare_mortgage_scenarios
  Compares up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no v
• calculate_qualification
  Calculates the B-20 qualifying rate, the qualifying payment, and the resulting GDS/TDS from a principal, contract rate, amortization, and income. It computes the payment itself, so it needs those loan terms. Results are neutral scenario math, not an approval or underwriting decision. Works only from
• calculate_debt_service
  Calculates Canadian GDS and TDS ratios from a monthly mortgage payment that is already known, plus income, housing costs, and other monthly debts. It takes the payment as given and needs no principal, rate, or amortization. Ratios are not an approval or suitability decision. Works only from explicit
• calculate_ltv
  Calculates Canadian loan-to-value and combined loan-to-value from the loan amount, other secured positions, and a purchase price, an appraised value, or both. Ratios are not an approval or suitability decision. Works only from explicit, non-identifying numbers in the request. Returns calculations on
• estimate_prepayment_penalty
  Estimates three-months-interest and simplified interest-rate-differential prepayment penalties. Lender discharge statements remain authoritative. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lende

Tool changes

• 2026-10-21: refuse_unsupported_mortgage_request, compare_mortgage_scenarios, calculate_qualification, calculate_debt_service, calculate_ltv, estimate_prepayment_penalty
• 2026-10-16: refuse_unsupported_mortgage_request, compare_mortgage_scenarios, calculate_qualification, calculate_debt_service, calculate_ltv, estimate_prepayment_penalty

Website · JSON · Text for agents · Registry updated 2026-08-19