Clara Mortgage Assistant
Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.
| Endpoint | https://mcp.claratech.ai/mcp (streamable-http) |
|---|---|
| Registry version | 0.1.1 |
| Now | 6 tools · grade A (90) · pin ts_2e818258720ac763c1f880b16db71ee9 · protocol 2025-06-18 |
| First / last listed | 2026-10-30 01:46 UTC / 2026-10-30 01:46 UTC |
| Grade over time | 2026-10-30: A (90), 6 tools |
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Tools: refuse_unsupported_mortgage_request compare_mortgage_scenarios calculate_qualification calculate_debt_service calculate_ltv estimate_prepayment_penalty
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 submitting applications or contacting anyone, and other unsupported requests. Takes only the category; it params: requestType* |
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 values looked up from chats, files, accounts, documents, or the web. params: effectiveDate*, jurisdiction, scenarios* |
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 explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwrit params: effectiveDate*, jurisdiction, principal*, contractRate*, amortizationMonths*, grossAnnualIncome*, housing, otherMonthlyDebts, floorRate, bufferRate, tolerances, straightSwitchExempt |
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, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or s params: effectiveDate*, jurisdiction, grossAnnualIncome*, monthlyPayment*, housing, otherMonthlyDebts, tolerances |
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 only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and n params: effectiveDate*, jurisdiction, loanAmount*, otherSecuredPositions, purchasePrice, appraisedValue, valueBasis, storedLtv |
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 lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the params: effectiveDate*, jurisdiction, principal*, annualRate*, remainingTermMonths*, comparisonRate, method |
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