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UQUAL Loan Readiness

MCP serverVerified domain · uqual.comRemote● LiveFree to try

Powered by UQUAL loan readiness tools, educational calculations and agency references.

Install

Remote server: your requests and data go to uqual.com. Claude Code: claude mcp add --transport http uqual-loan-readiness https://uqual.com/mcp · Claude app: Settings → Connectors → Add custom connector.

What it can do

The tools this server listed when we connected to it, in its own words.

  • calculate_mortgage_dti — Computes front-end and back-end mortgage debt-to-income (DTI) ratios, student loan agency imputations (Fannie Mae, Freddie Mac, FHA, VA), ma
  • calculate_mortgage_affordability — Computes maximum affordable home purchase price across FHA, Conventional, VA, and USDA, full PITI + MIP/PMI + HOA breakdown, required cash-t
  • compare_fha_vs_conventional — Compares FHA (3.5% down at 580+, 1.75% UFMIP + annual MIP) against Conventional (3% first-time buyer / 5% standard down at 620+, credit-tier
  • check_down_payment_assistance — Evaluates eligibility and estimated assistance amounts for state HFA programs (TX TSAHC/TDHCA, FL Florida Housing/Hometown Heroes, CO CHFA,
  • simulate_debt_payoff_and_readiness — Simulates Avalanche vs Snowball vs UQUAL Mortgage-Readiness DTI-First payoff, targeting installment debts near <=10 remaining payments per F
  • evaluate_loan_readiness_score — Computes UQUAL's 4-Pillar Loan Readiness Score (0 to 100) across Credit Middle Score, DTI, Down Payment/Reserves, and Credit Hygiene/Seasoni
  • request_uqual_loan_readiness_review — Opt-in lead handoff tool invoked ONLY when the user explicitly consents to share contact details for a personalized UQUAL Loan Readiness Coa
  • calculate_vantagescore_4_impact — Models 2026 Homebuyer VantageScore 4.0 vs Classic FICO 2/4/5 and consumer app VantageScore 3.0 (24-month trended utilization, medical/paid c
  • get_state_mortgage_readiness_rules — Retrieves verified 2026 state mortgage readiness rulebooks for Texas (TX), Florida (FL), Colorado (CO), Georgia (GA), and North Carolina (NC

KitScout test notes

Not tested by KitScout yet. When our harness runs it, pros, cons and the tasks we tried appear here, with the date and evidence.

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