Clara Mortgage Assistant MCP Server

by clara-finance Your server? Claim it

answering

Clara Mortgage Assistant is answering right now. Last checked 2 min ago. It exposes 6 tools.

Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.

Uptime history 74 days of history · worst day 99%

74 days agonow

100.0%

Uptime 24h

92 of 92 checks

Tools

read from the server

487 ms

Response time

average over 24h

open, no key

Access

streamable-http

What changed 8

Every tool that appeared, vanished or quietly changed what it asks for. Recorded since 20 October 2026. No other catalogue keeps this.

20 Oct 6 tool descriptions were rewritten calculate_debt_service, calculate_ltv, calculate_qualification and 3 more

20 Oct a tool changed the parameters it asks for refuse_unsupported_mortgage_request

20 Oct a tool changed version

Nothing serious here today

Today is the operative word: we check Clara Mortgage Assistant every 15 minutes and re-read its code on every release. Watch it and you find out the day that stops being true.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 2 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add clara-mortgage-assistant --transport http https://mcp.claratech.ai/mcp

Settings → Connectors → Add custom connector, then paste this address

https://mcp.claratech.ai/mcp

~/.codex/config.toml

[mcp_servers.clara-mortgage-assistant]
url = "https://mcp.claratech.ai/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "clara-mortgage-assistant": {
      "url": "https://mcp.claratech.ai/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "clara-mortgage-assistant": {
      "type": "http",
      "url": "https://mcp.claratech.ai/mcp"
    }
  }
}

Available tools 6

Read directly from the server with tools/list, grouped by what they act on. If a tool disappears, we record the date.

calculate

calculate_debt_service

Calculates Canadian GDS and TDS ratios from a monthly mortgage payment that is already known, plus income, housing costs, and other monthly debts. It takes the payment as given and needs no principal, rate, or amortization. Ratios are not an approval or suitability decision. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

calculate_ltv

Calculates Canadian loan-to-value and combined loan-to-value from the loan amount, other secured positions, and a purchase price, an appraised value, or both. Ratios are not an approval or suitability decision. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

calculate_qualification

Calculates the B-20 qualifying rate, the qualifying payment, and the resulting GDS/TDS from a principal, contract rate, amortization, and income. It computes the payment itself, so it needs those loan terms. Results are neutral scenario math, not an approval or underwriting decision. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

compare

compare_mortgage_scenarios

Compares up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

estimate

estimate_prepayment_penalty

Estimates three-months-interest and simplified interest-rate-differential prepayment penalties. Lender discharge statements remain authoritative. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

refuse

refuse_unsupported_mortgage_request

Returns a fixed explanation that a request is outside this calculator's scope, with a calculation it can do instead. Categories: approval or underwriting decisions, lender or product recommendations, borrower documents or accounts, current rates, rules, or thresholds, external actions such as submitting applications or contacting anyone, and other unsupported requests. Takes only the category; it accepts no request text, names, identifiers, or document content.

Endpoints

URL	Transport	State	Latency	Checked
https://mcp.claratech.ai/mcp	streamable-http	answering	534 ms	2 min ago

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Clara Mortgage Assistant — questions

Answers built from our own checks of this server.

What can Clara Mortgage Assistant do?

It exposes 6 tools, read directly from the server on our last check. Among them: calculate_debt_service, calculate_ltv, calculate_qualification, compare_mortgage_scenarios, estimate_prepayment_penalty, refuse_unsupported_mortgage_request. The full list with descriptions is on this page — we take it from the server itself via tools/list, not from a README. How MCP servers expose tools in the first place →

Is Clara Mortgage Assistant working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 92 of 92 checks got a reply (100.0%), average response time 487 ms. The bar chart above shows every period we have measured.

How do I connect Clara Mortgage Assistant?

Copy the ready config from this page. We generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each in the form that client actually reads. It is a remote server, so there is nothing to install — the client connects to the address.

Does Clara Mortgage Assistant need an API key?

No. Clara Mortgage Assistant completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 6 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is Clara Mortgage Assistant?

It answers our handshake in 487 ms on average, which is faster than 24% of all working MCP servers we measure. That is on the slow side — worth knowing if the tool sits inside an interactive loop. The comparison comes from our own checks across the whole registry, every 15 minutes.