UQUAL Loan Readiness

Connect Remote server

claude mcp add --transport http loan-readiness https://uqual.com/mcp

{
  "mcpServers": {
    "loan-readiness": {
      "url": "https://uqual.com/mcp"
    }
  }
}

{
  "servers": {
    "loan-readiness": {
      "type": "http",
      "url": "https://uqual.com/mcp"
    }
  }
}

Settings > Connectors > Add custom connector
URL: https://uqual.com/mcp

Tools 9 found in our last check

• 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), maximum allowable monthly debt across FHA (31/43 standard, 46.99/56.99 AUS), Conventional (28/36 to 45/50 AUS), VA (41% benchmark), and USDA…

• calculate_mortgage_affordability

  Computes maximum affordable home purchase price across FHA, Conventional, VA, and USDA, full PITI + MIP/PMI + HOA breakdown, required cash-to-close, and how +20/+40/+60 credit score gains or monthly debt reduction expand purchasing power.

• 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-tiered PMI with 80%/78% LTV cancellation), returning 5-year and 10-year total cost and the exact credit score crossover point.

• check_down_payment_assistance

  Evaluates eligibility and estimated assistance amounts for state HFA programs (TX TSAHC/TDHCA, FL Florida Housing/Hometown Heroes, CO CHFA, GA Georgia Dream, NC NCHFA NC Home Advantage and $15,000 NC 1st Home Advantage, plus national baseline FTHB rules).

• simulate_debt_payoff_and_readiness

  Simulates Avalanche vs Snowball vs UQUAL Mortgage-Readiness DTI-First payoff, targeting installment debts near <=10 remaining payments per Fannie/Freddie/FHA exclusion rules and revolving credit cards above 30% and 10% utilization thresholds.

• 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/Seasoning with compensability cap diagnostics, multi-program alignment, and prioritized counterfactual action steps.

• 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 Coach review via uqual.com/api/seo-leads.

• 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 collection exclusions, 1-month thin-file scoring, 14-day inquiry window, and State HFA overlays) plus Loan Officer 45% Equifax VantageScore…

• 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), including HFA down payment assistance programs, 620-640 FICO and 43%-50% DTI overlays, MUD/Metro District/Save Our Homes property tax es…

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