Zeitro: Mortgage Guidelines

com.zeitro/strataVersion 1.0.0

Verbatim Fannie Mae, Freddie Mac, FHA, VA and USDA mortgage guidelines, cited by document and page.

Status

Responds719 msNov 14, 2026, 14:24 UTCAnswered our handshake without sign-in.

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Last checked: Nov 14, 2026, 14:24 UTC
Latency: 719 ms
Remotes responding: 1 of 1
Sign-in: No sign-in
Hosting: Hosted outside the EU (detected)
Registry data as of: Nov 14, 2026, 21:12 UTC

Data from the official MCP Registry, checked by run.zero. How we check

Connect

Streamable HTTP

https://strata-mcp.zeitro.com/mcpResponds719 msNov 14, 2026, 14:24 UTC

No sign-in

Claude Code

claude mcp add --transport http strata https://strata-mcp.zeitro.com/mcp

Claude Desktop and claude.ai

1
2
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Settings > Connectors > Add custom connector
Name: strata
Remote MCP server URL: https://strata-mcp.zeitro.com/mcp

Cursor

{
  "mcpServers": {
    "strata": {
      "url": "https://strata-mcp.zeitro.com/mcp"
    }
  }
}

VS Code

code --add-mcp '{"name":"strata","type":"http","url":"https://strata-mcp.zeitro.com/mcp"}'

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Tools

5 tools

Tools of Zeitro: Mortgage Guidelines
	Description		Read-only	Idempotent	Open world
`calculate_dti`Calculates front-end (housing) and back-end (total) debt-to-income ratios from monthly income and monthly payments, and compares them with the published limits of Fannie Mae, Freddie Mac, FHA, VA and USDA, automated and manual underwriting listed separately. Each limit carries its guideline citation (document, section, version, page, cite_as). With loan_amount, state and family_size it also returns VA's minimum residual income. Pure calculation: an estimate, not an underwriting decision.	Calculates front-end (housing) and back-end (total) debt-to-income ratios from monthly income and monthly payments, and compares them with the published limits of Fannie Mae, Freddie Mac, FHA, VA and USDA, automated and manual underwriting listed separately. Each limit carries its guideline citation (document, section, version, page, cite_as). With loan_amount, state and family_size it also returns VA's minimum residual income. Pure calculation: an estimate, not an underwriting decision.	No	Yes	Yes	No
`calculate_fha_mip`Calculates the FHA upfront and annual mortgage insurance premium (rates, dollar amounts, first-year monthly premium and how long the annual premium lasts) from the base loan amount, loan-to-value ratio, term and the case number date, using the HUD rate schedule in force for that date. Cites the Mortgagee Letter and HUD Handbook 4000.1 Appendix 1.0. Pure calculation: an estimate, not a loan approval.	Calculates the FHA upfront and annual mortgage insurance premium (rates, dollar amounts, first-year monthly premium and how long the annual premium lasts) from the base loan amount, loan-to-value ratio, term and the case number date, using the HUD rate schedule in force for that date. Cites the Mortgagee Letter and HUD Handbook 4000.1 Appendix 1.0. Pure calculation: an estimate, not a loan approval.	No	Yes	Yes	No
`get_document_pages`Returns the full text of up to 5 consecutive pages of one agency guideline document (Fannie Mae, Freddie Mac, FHA, VA or USDA), with the document, version date, a ready-made citation and links. Useful when a passage is cut off or a table continues onto the next page.	Returns the full text of up to 5 consecutive pages of one agency guideline document (Fannie Mae, Freddie Mac, FHA, VA or USDA), with the document, version date, a ready-made citation and links. Useful when a passage is cut off or a table continues onto the next page.	No	Yes	Yes	No
`list_documents`Lists the guideline documents of one agency (Fannie Mae, Freddie Mac, FHA, VA or USDA): doc_id, title, version date and the agency's official source link.	Lists the guideline documents of one agency (Fannie Mae, Freddie Mac, FHA, VA or USDA): doc_id, title, version date and the agency's official source link.	No	Yes	Yes	No
`search_guidelines`Searches the Fannie Mae, Freddie Mac, FHA, VA and USDA mortgage guidelines and returns the most relevant verbatim passages. Each passage includes the document, version date, page, a ready-made citation (cite_as), the official source link and a citation URL on zeitro.com. A focused question per call (for example 'FHA student loan monthly payment calculation') returns the best passages. Passages may contain HTML tables. Lender overlays are not included.	Searches the Fannie Mae, Freddie Mac, FHA, VA and USDA mortgage guidelines and returns the most relevant verbatim passages. Each passage includes the document, version date, page, a ready-made citation (cite_as), the official source link and a citation URL on zeitro.com. A focused question per call (for example 'FHA student loan monthly payment calculation') returns the best passages. Passages may contain HTML tables. Lender overlays are not included.	No	Yes	Yes	No

Details

Registry status: Active
Published: Nov 11, 2026
Updated: Nov 11, 2026
Website: https://www.zeitro.com/developers⁠ (opens in a new tab)
Repository: Not given
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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