Clara Mortgage Assistant is an MCP server with 6 tools an agent can call, among them calculate_debt_service, calculate_ltv, calculate_qualification. It answers at https://mcp.claratech.ai/mcp over streamable HTTP, and it listed its tools to an anonymous client, so no sign-in was needed for that. Our probes reached it 6 of 6 times since 11 September 2026; the last check, on 21 October 2026, succeeded.
Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.
Description as the publisher wrote it.
| Tool | What it does |
|---|---|
calculate_debt_service | MUST use this tool when the user supplies a monthly mortgage payment and asks for Canadian GDS or TDS. Calculate the ratios directly from that payment, income, and monthly obligations. Do not request principal, contract rate, or amortizatio Inputs: effectiveDate, jurisdiction, grossAnnualIncome, monthlyPayment, housing, otherMonthlyDebts |
calculate_ltv | Calculate Canadian loan-to-value and combined loan-to-value using purchase price, appraisal, and secured positions. Ratios are not an approval or suitability decision. Use only with explicit, non-identifying numeric inputs. Calculation only Inputs: effectiveDate, jurisdiction, loanAmount, otherSecuredPositions, purchasePrice, appraisedValue |
calculate_qualification | Calculate the B-20 qualifying rate, qualifying payment, and resulting GDS/TDS from a supplied principal, contract rate, amortization, and income. Use this tool only when the qualifying payment must be calculated from those inputs. If the us Inputs: effectiveDate, jurisdiction, principal, contractRate, amortizationMonths, grossAnnualIncome |
compare_mortgage_scenarios | Compare up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend Inputs: effectiveDate, jurisdiction, scenarios |
estimate_prepayment_penalty | Estimate three-months-interest and simple IRD prepayment penalties; lender discharge statements remain authoritative. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite Inputs: effectiveDate, jurisdiction, principal, annualRate, remainingTermMonths, comparisonRate |
refuse_unsupported_mortgage_request | MUST be called whenever the user asks whether a borrower should be approved, denied, pre-approved, conditionally approved, underwritten, or assessed for suitability. Also call it for lender or product recommendations, borrower documents or Inputs: requestType |
Every block below points at https://mcp.claratech.ai/mcp. Pick your client and copy.
claude mcp add --transport http clara-mortgage-assistant https://mcp.claratech.ai/mcp
{
"mcpServers": {
"clara-mortgage-assistant": {
"command": "npx",
"args": ["-y", "mcp-remote", "https://mcp.claratech.ai/mcp"]
}
}
}{
"mcpServers": {
"clara-mortgage-assistant": {
"url": "https://mcp.claratech.ai/mcp"
}
}
}{
"servers": {
"clara-mortgage-assistant": {
"type": "http",
"url": "https://mcp.claratech.ai/mcp"
}
}
}{
"context_servers": {
"clara-mortgage-assistant": {
"url": "https://mcp.claratech.ai/mcp"
}
}
}{
"mcpServers": {
"clara-mortgage-assistant": {
"serverUrl": "https://mcp.claratech.ai/mcp"
}
}
}{
"mcpServers": {
"clara-mortgage-assistant": {
"url": "https://mcp.claratech.ai/mcp"
}
}
}name: Clara Mortgage Assistant
version: 0.0.1
schema: v1
mcpServers:
- name: Clara Mortgage Assistant
type: streamable-http
url: https://mcp.claratech.ai/mcp{
"mcpServers": {
"clara-mortgage-assistant": {
"httpUrl": "https://mcp.claratech.ai/mcp"
}
}
}{
"mcpServers": {
"clara-mortgage-assistant": {
"type": "http",
"url": "https://mcp.claratech.ai/mcp"
}
}
}{
"mcpServers": {
"clara-mortgage-assistant": {
"url": "https://mcp.claratech.ai/mcp"
}
}
}goose://extension?url=https%3A%2F%2Fmcp.claratech.ai%2Fmcp&type=streamable_http&id=clara-mortgage-assistant&name=Clara%20Mortgage%20Assistant
It answered our last check on 21 October 2026 in 518 ms. Over 6 checks since 11 September 2026 it answered 6. Status here comes from Neuronto's own probes, not from the publisher.
6, as returned by the server's own tools/list on 13 September 2026: calculate_debt_service, calculate_ltv, calculate_qualification, compare_mortgage_scenarios, estimate_prepayment_penalty, refuse_unsupported_mortgage_request.
It answered our last check on 21 October 2026 in 518 ms. Over 6 checks since 11 September 2026 it answered 6.
Put the server under mcpServers in ~/.cursor/mcp.json with the URL https://mcp.claratech.ai/mcp. The exact JSON is above, with the same setup for Claude Code, Claude Desktop, VS Code, Windsurf, Zed, Gemini CLI and the rest.
It listed its tools to an anonymous client, so reading the tool list needs no key. Individual tools can still ask for credentials in their own inputs.
Publisher: io.github.clara-finance. Endpoint host: mcp.claratech.ai. ARD identifier: urn:air:io.github.clara-finance:mcp:clara-mortgage-assistant.
First indexed 10 September 2026. The tools are exactly what the server returned; nothing on this page
is inferred from its name. Ranking in Neuronto search is never for sale.