Connection check
verified live · 27h ago
clara-mortgage-assistant
Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.
Tools
6
GitHub stars
—
Installs / wk
—
Licence
—
Transport
streamable-http
Last checked
27h ago
Tools & capabilities
6 toolsRead from the running server on 27h ago.
calculate_debt_service
read-only
housingtolerancesjurisdictioneffectiveDate*monthlyPayment*grossAnnualIncome*
+1
MUST use this tool when the user supplies a monthly mortgage payment and asks for Canadian GDS or TDS. Calculate the ratios directly from that payment, income, and monthly obligati… MUST use this tool when the user supplies a monthly mortgage payment and asks for Canadian GDS or TDS. Calculate the ratios directly from that payment, income, and monthly obligations. Do not request principal, contract rate, or amortization, and do not use calculate_qualification when the monthly payment is already supplied. Ratios are not an approval or suitability decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
calculate_ltv
read-only
storedLtvloanAmount*valueBasisjurisdictioneffectiveDate*purchasePrice
+2
Calculate Canadian loan-to-value and combined loan-to-value using purchase price, appraisal, and secured positions. Ratios are not an approval or suitability decision. Use only wit… Calculate Canadian loan-to-value and combined loan-to-value using purchase price, appraisal, and secured positions. Ratios are not an approval or suitability decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
calculate_qualification
read-only
housingfloorRateprincipal*bufferRatetolerancescontractRate*
+6
Calculate the B-20 qualifying rate, qualifying payment, and resulting GDS/TDS from a supplied principal, contract rate, amortization, and income. Use this tool only when the qualif… Calculate the B-20 qualifying rate, qualifying payment, and resulting GDS/TDS from a supplied principal, contract rate, amortization, and income. Use this tool only when the qualifying payment must be calculated from those inputs. If the user already supplies a monthly mortgage payment and asks for GDS/TDS, MUST use calculate_debt_service instead and must not request principal, rate, or amortization. This is neutral scenario math, not an approval or underwriting decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
compare_mortgage_scenarios
read-only
scenarios*jurisdictioneffectiveDate*
Compare up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Use only with explicit, non-identifying numeric inputs. Calculation only:… Compare up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
estimate_prepayment_penalty
read-only
methodprincipal*annualRate*jurisdictioneffectiveDate*comparisonRate
+1
Estimate three-months-interest and simple IRD prepayment penalties; lender discharge statements remain authoritative. Use only with explicit, non-identifying numeric inputs. Calcul… Estimate three-months-interest and simple IRD prepayment penalties; lender discharge statements remain authoritative. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
refuse_unsupported_mortgage_request
read-only
requestType*