io.github.jaymiller-cmg/mortgage-hawaii · v2.0.0 · finance-and-payments
RealityCents — Hawaii Mortgage & VA Loan Calculators is healthy: it completed an MCP handshake in 1100 ms and exposes 10 tools.
Read-only Hawaii mortgage and VA loan calculators from RealityCents.com. No personal data collected.
Endpoint: https://realitycents-mcp.jaymiller.workers.dev/mcp (streamable-http)
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| Users (last 30 days) | 0 |
| Handshake | Healthy |
| Auth needed | None |
| Tool count | 10 |
| Latency | 1100 ms |
| Last checked (UTC) | 2026-10-16T08:30:43.850Z |
| Checked (UTC) | Status | Latency | Error |
|---|---|---|---|
| 2026-10-16T08:30:43.850Z | Healthy | 1100 | |
| 2026-10-15T04:20:44.892Z | Healthy | 2376 |
calculate_mortgage_payment | 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. |
calculate_affordability | 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. |
va_purchase_power | 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. |
va_remaining_entitlement | 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. |
compare_loans | 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. |
calculate_buydown | 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. |
rent_vs_buy | 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. |
hawaii_mortgage_guidance | 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. |
lookup_va_condo | 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 ap |
get_preapproval_link | Return Jay Miller's public CMG Home Loans application link and published business contact. Does not ask for or store personal information. |