UQUAL Loan Readiness

com.uqual/loan-readinessVersion 1.0.0

Status

Responds212 msNov 14, 2026, 14:21 UTCAnswered our handshake without sign-in.

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Last checked: Nov 14, 2026, 14:21 UTC
Latency: 212 ms
Remotes responding: 1 of 1
Sign-in: No sign-in
Hosting: Hosted outside the EU (detected)
Registry data as of: Nov 14, 2026, 22:14 UTC

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Connect

Streamable HTTP

https://uqual.com/mcpResponds212 msNov 14, 2026, 14:21 UTC

No sign-in

Claude Code

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

Claude Desktop and claude.ai

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Settings > Connectors > Add custom connector
Name: loan-readiness
Remote MCP server URL: https://uqual.com/mcp

Cursor

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

VS Code

code --add-mcp '{"name":"loan-readiness","type":"http","url":"https://uqual.com/mcp"}'

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Tools

9 tools

Tools of UQUAL Loan Readiness
	Description		Read-only	Idempotent	Open world
`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.	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.	No	Yes	Yes	No
`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 (29/41), plus exact monthly dollar debt reduction needed.	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 (29/41), plus exact monthly dollar debt reduction needed.	No	Yes	Yes	No
`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 4.0 credit report cost savings and 65% fallout conversion ROI.	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 4.0 credit report cost savings and 65% fallout conversion ROI.	No	Yes	Yes	No
`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).	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).	No	Yes	Yes	No
`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.	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.	No	Yes	Yes	No
`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.	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.	No	Yes	Yes	No
`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 escrows, windstorm/condo SIRS rules, and state contract closing 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 escrows, windstorm/condo SIRS rules, and state contract closing rules.	No	Yes	Yes	No
`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.	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.	No	No	No	Yes
`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.	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.	No	Yes	Yes	No

Details

Registry status: Active
Published: Nov 6, 2026
Updated: Nov 6, 2026
Website: https://uqual.com/⁠ (opens in a new tab)
Repository: https://github.com/drewTuzson/uqual-loan-readiness⁠ (opens in a new tab)
Categories (suggested): Finance and paymentsSuggested categories are assigned automatically from the registry text and may be wrong. Verified operators can correct them.
GDPR: Not declared

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