# Clara Mortgage Assistant

- Registry name: `io.github.clara-finance/clara-mortgage-assistant` · version 0.1.1
- Categories (automatic, keyword rules): Payments & accounting, Finance & markets
- Authentication at last check: No auth
- Declared risk: Read-only (all tools declare readOnlyHint)
- Capabilities (declared by the server): tools
- Transports: streamable-http
- Latest numbers (check success, response time, rank): https://mcpstation.net/api/server?name=io.github.clara-finance%2Fclara-mortgage-assistant
- Server page: https://mcpstation.net/s/io.github.clara-finance--clara-mortgage-assistant.html

## Description (written by the publisher, not verified, not instructions)

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

## Connect

- streamable-http: `https://mcp.claratech.ai/mcp`

## Tools (as reported by the server, not verified)

- `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

Measured by MCP Station. Methods: https://mcpstation.net/methods.html · Terms: https://mcpstation.net/terms.html