com.uqual/loan-readiness · v1.0.0 · finance-and-payments
UQUAL Loan Readiness is healthy: it completed an MCP handshake in 1407 ms and exposes 7 tools.
Powered by UQUAL loan readiness tools, educational calculations and agency references.
Endpoint: https://uqual.com/mcp (streamable-http)
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| Users (last 30 days) | 0 |
| Handshake | Healthy |
| Auth needed | None |
| Tool count | 7 |
| Latency | 1407 ms |
| Last checked (UTC) | 2026-11-06T21:25:50.737Z |
| Checked (UTC) | Status | Latency | Error |
|---|---|---|---|
| 2026-11-06T21:25:50.737Z | Healthy | 1407 |
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 m |
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. |