accueil / serveurs / Finance & Paiement / io.github.jaymiller-cmg/mortgage-hawaii
io.github.jaymiller-cmg/mortgage-hawaii
serveur MCP (Model Context Protocol) · realitycents-mcp 2.1.2
Référencé dans l'annuaire. Seul le pentest comportemental fait foi, et il n'a pas encore été exécuté sur ce serveur.
Est-ce que io.github.jaymiller-cmg/mortgage-hawaii est sûr ?
Au dernier audit MCP Hub, le serveur MCP « io.github.jaymiller-cmg/mortgage-hawaii » est classé « Non encore testé ». Référencé dans l'annuaire. Seul le pentest comportemental fait foi, et il n'a pas encore été exécuté sur ce serveur. Le verdict est réévalué en continu ; consultez la fiche pour l'état à jour.
Méthode : MCP Hub analyse la description de chaque outil (couche 1) et, pour le verdict fort, exécute le serveur dans une micro-VM isolée avec leurres et réseau bloqué (couche 2). On publie des noms et des compteurs, jamais le contenu brut renvoyé par un outil.
Les 10 outils
- calculate_affordability≈ 675 tokens
Estimate a maximum purchase price from gross monthly income, monthly debts, and a DTI target (default 45 for VA and FHA, 41 for conventional and jumbo). Returns the payment at that price. Read-only. No personal identifiers.
Paramètres, retour & exemple (15)
Paramètresrate· number · optionnel
Annual note rate as a percent. Default 6.5 is an example, not a quote.loanType· string · optionnel · conventional | fha | va | jumbodtiTarget· number · optionnel
Housing-plus-debts DTI cap as a percent. Defaults to 45 for VA and FHA, 41 for conventional and jumbo.termYears· integer · optionnel
Amortizing term in years.hoaMonthly· number · optionnel
HOA or maintenance fee in dollars per month.vaFirstUse· boolean · optionnel
VA funding fee: true = first use. Ignored for other loan types.creditScore· integer · optionnel
Optional FICO for conventional PMI. Omit it to use LTV-only PMI tiers. Do not send a name or SSN.downPayment· number · optionnelmonthlyDebts· number · optionnel
Monthly debt payments already owed (car, cards, student loans).downPaymentUnit· string · optionnel · percent | dollarsinsuranceMonthly· number · optionnel
Homeowner's insurance in dollars per month. Default $150 is a planning placeholder, not a quote.grossMonthlyIncome· number · requis
Gross monthly income in dollars. Do not send a name or employer.monthlyTaxOverride· number · optionnel
Monthly property tax in dollars. A value above 0 replaces the tax-rate calculation.vaDisabilityExempt· boolean · optionnel
True if the borrower is exempt from the VA funding fee.propertyTaxRatePercent· number · optionnel
Annual property tax as a percent of price. Default 0.35 is Honolulu County residential.
Exemple d'appel{"name": "calculate_affordability", "arguments": {"grossMonthlyIncome": 1}}Exemple de retour{"content": [{"type": "text", "text": "…"}]} - calculate_buydown≈ 277 tokens
Year-by-year principal-and-interest and subsidy cost for a 2-1, 1-0, or 3-2-1 temporary buydown, or the upfront cost of permanent discount points. Read-only. The note rate is an example, not a quote.
Paramètres, retour & exemple (5)
Paramètrespoints· number · optionnel
For permanent-points only: number of discount points. 1 point = 1% of the loan amount. Defaults to 1.noteRate· number · requis
Note rate as a percent. Example only, not a quote.termYears· integer · optionnelloanAmount· number · requisbuydownType· string · requis · 2-1 | 1-0 | 3-2-1 | permanent-points
Exemple d'appel{"name": "calculate_buydown", "arguments": {"noteRate": 1, "loanAmount": 1, "buydownType": "2-1"}}Exemple de retour{"content": [{"type": "text", "text": "…"}]} - calculate_mortgage_payment≈ 664 tokens
Estimate PITI for a Hawaii purchase: principal and interest, property tax, insurance, HOA, and PMI, FHA MIP, or a financed VA funding fee. Read-only. Do not send a name, email, phone, SSN, or street address. Rates are examples, not quotes.
Paramètres, retour & exemple (14)
Paramètresrate· number · optionnel
Annual note rate as a percent. Default 6.5 is an example, not a quote.price· number · requis
Purchase price in dollars.loanType· string · optionnel · conventional | fha | va | jumbotermYears· integer · optionnel
Amortizing term in years.hoaMonthly· number · optionnel
HOA or maintenance fee in dollars per month.vaFirstUse· boolean · optionnel
VA funding fee: true = first use. Ignored for other loan types.creditScore· integer · optionnel
Optional FICO for conventional PMI. Omit it to use LTV-only PMI tiers. Do not send a name or SSN.downPayment· number · optionnel
Down payment. Defaults: VA 0%, FHA 3.5%, conventional 5%, jumbo 10% when downPaymentUnit is percent.pointsPercent· number · optionnel
Discount points as a percent of the total loan. Affects cash to close, not the note rate.downPaymentUnit· string · optionnel · percent | dollarsinsuranceMonthly· number · optionnel
Homeowner's insurance in dollars per month. Default $150 is a planning placeholder, not a quote.monthlyTaxOverride· number · optionnel
Monthly property tax in dollars. A value above 0 replaces the tax-rate calculation.vaDisabilityExempt· boolean · optionnel
True if the borrower is exempt from the VA funding fee.propertyTaxRatePercent· number · optionnel
Annual property tax as a percent of price. Default 0.35 is Honolulu County residential.
Exemple d'appel{"name": "calculate_mortgage_payment", "arguments": {"price": 1}}Exemple de retour{"content": [{"type": "text", "text": "…"}]} - compare_loans≈ 464 tokens
Compare 2 to 4 loan scenarios (type, rate, down payment, term, discount points) on one purchase price. Returns payment, an illustrative cash-to-close, and total interest. Read-only. Rates are examples.
Paramètres, retour & exemple (9)
Paramètresscenarios· array · requishoaMonthly· number · optionnelvaFirstUse· boolean · optionnelcreditScore· integer · optionnelpurchasePrice· number · requisinsuranceMonthly· number · optionnelmonthlyTaxOverride· number · optionnelvaDisabilityExempt· boolean · optionnelpropertyTaxRatePercent· number · optionnel
Exemple d'appel{"name": "compare_loans", "arguments": {"scenarios": [], "purchasePrice": 1}}Exemple de retour{"content": [{"type": "text", "text": "…"}]} - get_preapproval_link≈ 112 tokens
Return Jay Miller's public CMG Home Loans application link and published business contact. Does not ask for or store personal information.
Paramètres, retour & exemple (0)
Exemple d'appel{"name": "get_preapproval_link", "arguments": {}}Exemple de retour{"content": [{"type": "text", "text": "…"}]} - hawaii_mortgage_guidance≈ 192 tokens
Concise factual notes on Hawaii property tax, VA loans, leasehold versus fee simple, VA condo approval, 2026 loan limits, BAH/COLA, closing costs, or pre-approval steps. Drawn from RealityCents articles. No rate quotes. Read-only.
Paramètres, retour & exemple (1)
Paramètrestopic· string · requis · property_tax | va_loans_hawaii | leasehold_vs_fee_simple | condo_va_approval | loan_limits_2026 | bah_cola_income | closing_costs | pre_approval_steps
Exemple d'appel{"name": "hawaii_mortgage_guidance", "arguments": {"topic": "property_tax"}}Exemple de retour{"content": [{"type": "text", "text": "…"}]} - lookup_va_condo≈ 272 tokens
Check whether an Oahu condo project is on the VA's accepted condo list, by project name (fuzzy), building address, or VA condo ID. Returns status, VA ID, the data date, and the VA's official lookup link to verify. Oahu only for now. Read-only. Do not send a unit number or personal information. VA approval status does not guarantee loan approval.
Paramètres, retour & exemple (2)
Paramètreslimit· integer · optionnel
Maximum matches to return. Default 5.query· string · requis
Condo project name (fuzzy, okina and spelling variations OK), building street address, or VA condo ID such as 002372. Do not send a unit number, a person's name, or other personal information.
Exemple d'appel{"name": "lookup_va_condo", "arguments": {"query": "texte"}}Exemple de retour{"content": [{"type": "text", "text": "…"}]} - rent_vs_buy≈ 532 tokens
Compare cumulative rent with the net cost of buying over a holding period, using Honolulu's 0.35% tax default unless you override it. Read-only. Not a price or rent forecast.
Paramètres, retour & exemple (18)
Paramètresrate· number · optionnelprice· number · requisyears· integer · optionnelloanType· string · optionnel · conventional | fha | va | jumbotermYears· integer · optionnelhoaMonthly· number · optionnelvaFirstUse· boolean · optionnelcreditScore· integer · optionneldownPayment· number · optionnelmonthlyRent· number · requis
Current monthly rent.downPaymentUnit· string · optionnel · percent | dollarsinsuranceMonthly· number · optionnelrentGrowthPercent· number · optionnel
Annual rent growth, percent.maintenanceMonthly· number · optionnel
Owner maintenance in dollars per month, held flat.sellingCostPercent· number · optionnel
Percent of the ending value treated as a selling cost. Default 0.vaDisabilityExempt· boolean · optionnelappreciationPercent· number · optionnel
Annual home appreciation, percent.propertyTaxRatePercent· number · optionnel
Exemple d'appel{"name": "rent_vs_buy", "arguments": {"price": 1, "monthlyRent": 1}}Exemple de retour{"content": [{"type": "text", "text": "…"}]} - va_purchase_power≈ 524 tokens
Estimate Honolulu County military income (base pay, BAH, BAS, COLA) and a VA purchase price from pay grade, years of service, and dependents. Uses the RealityCents 2026 pay tables. Read-only. Do not send a name or SSN.
Paramètres, retour & exemple (13)
Paramètresrate· number · optionnel
Example annual rate passed into the site purchase-power solver. Not a quote.maxDti· number · optionnel
Planning DTI used by the RealityCents Military Buying Power calculator. Not a VA approval cap.payGrade· string · requis · E-1 | E-2 | E-3 | E-4 | E-5 | E-6 | E-7 | E-8
Military pay grade. BAH is Honolulu County (HI408) 2026.dependents· integer · optionnel
Dependent count. More than zero uses the with-dependents BAH rate. COLA uses this count.hoaMonthly· number · optionnelotherDebts· number · optionnel
Other monthly debt payments.vaFirstUse· boolean · optionneldownPayment· number · optionnel
Down payment in dollars. Default $0.yearsOfService· number · optionnelinsuranceMonthly· number · optionnelmonthlyTaxOverride· number · optionnelvaDisabilityExempt· boolean · optionnelpropertyTaxRatePercent· number · optionnel
Exemple d'appel{"name": "va_purchase_power", "arguments": {"payGrade": "E-1"}}Exemple de retour{"content": [{"type": "text", "text": "…"}]} - va_remaining_entitlement≈ 283 tokens
For a Hawaii county, compute remaining VA entitlement, the max $0-down loan, and the 25% down payment on any amount above that. $0 already in use is treated as full entitlement (no county cap). Read-only.
Paramètres, retour & exemple (3)
Paramètrescounty· string · requis · honolulu | maui | kalawao | kauai | hawaii
Hawaii county for the 2026 FHFA one-unit conforming limit.purchasePrice· number · requisentitlementAlreadyInUse· number · requis
VA entitlement already in use, in dollars, based on the original loan amount of any VA loan not yet restored (generally 25% of that original amount); your COE shows the exact figure. $0 is treated as full entitlement.
Exemple d'appel{"name": "va_remaining_entitlement", "arguments": {"county": "honolulu", "purchasePrice": 1, "entitlementAlreadyInUse": 1}}Exemple de retour{"content": [{"type": "text", "text": "…"}]}
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