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RealityCents — Hawaii Mortgage & VA Loan Calculators

io.github.jaymiller-cmg/mortgage-hawaii · v2.0.0

Measured by MCP Station

Last check	Reachable
Checked at	—
Check success 7 / 30 days	—
First-try success 30 days	—
Median response	—
Lookups 30 days	—
Authentication	No auth
MCP version	2025-06-18
Rank score	—
Declared risk	Read-only (all tools declare readOnlyHint)
Capabilities declared	tools
Tool definitions	10 tools · with description 100% · input schema is an object 100% · read/destructive hints 100%

Description written by the publisher, not verified

Read-only Hawaii mortgage and VA loan calculators from RealityCents.com. No personal data collected.

Connect

streamable-http · https://realitycents-mcp.jaymiller.workers.dev/mcp

claude mcp add --transport http mortgage-hawaii https://realitycents-mcp.jaymiller.workers.dev/mcp

{
  "mcpServers": {
    "mortgage-hawaii": {
      "url": "https://realitycents-mcp.jaymiller.workers.dev/mcp"
    }
  }
}

Tools as reported by the server

calculate_mortgage_payment
Estimate PITI for a Hawaii purchase: principal and interest, property tax, insurance, HOA, and PMI, FHA MIP, or a financed VA funding fee. Read-only. Do not send a name, email, phone, SSN, or street address. Rates are examples, not quotes.
calculate_affordability
Estimate a maximum purchase price from gross monthly income, monthly debts, and a DTI target (default 45 for VA and FHA, 41 for conventional and jumbo). Returns the payment at that price. Read-only. No personal identifiers.
va_purchase_power
Estimate Honolulu County military income (base pay, BAH, BAS, COLA) and a VA purchase price from pay grade, years of service, and dependents. Uses the RealityCents 2026 pay tables. Read-only. Do not send a name or SSN.
va_remaining_entitlement
For a Hawaii county, compute remaining VA entitlement, the max $0-down loan, and the 25% down payment on any amount above that. $0 already in use is treated as full entitlement (no county cap). Read-only.
compare_loans
Compare 2 to 4 loan scenarios (type, rate, down payment, term, discount points) on one purchase price. Returns payment, an illustrative cash-to-close, and total interest. Read-only. Rates are examples.
calculate_buydown
Year-by-year principal-and-interest and subsidy cost for a 2-1, 1-0, or 3-2-1 temporary buydown, or the upfront cost of permanent discount points. Read-only. The note rate is an example, not a quote.
rent_vs_buy
Compare cumulative rent with the net cost of buying over a holding period, using Honolulu's 0.35% tax default unless you override it. Read-only. Not a price or rent forecast.
hawaii_mortgage_guidance
Concise factual notes on Hawaii property tax, VA loans, leasehold versus fee simple, VA condo approval, 2026 loan limits, BAH/COLA, closing costs, or pre-approval steps. Drawn from RealityCents articles. No rate quotes. Read-only.
lookup_va_condo
Check whether an Oahu condo project is on the VA's accepted condo list, by project name (fuzzy), building address, or VA condo ID. Returns status, VA ID, the data date, and the VA's official lookup link to verify. Oahu only for now. Read-only. Do not send a unit number or personal information. VA ap
get_preapproval_link
Return Jay Miller's public CMG Home Loans application link and published business contact. Does not ask for or store personal information.

Website · JSON · Text for agents · Registry updated 2026-09-28