RealityCents — Hawaii Mortgage & VA Loan Calculators MCP Server

by jaymiller-cmg Your server? Claim it

answering

RealityCents — Hawaii Mortgage & VA Loan Calculators is answering right now. Last checked 11 min ago. It exposes 10 tools. Last commit 7 Apr 2026.

Read-only Hawaii mortgage and VA loan calculators from RealityCents.com. No personal data collected.

Uptime history 91 days of history · worst day 0%

91 days agonow

50.0%

Uptime 24h

91 of 182 checks

Tools

read from the server

204 ms

Response time

average over 24h

Stars

last commit 7 Apr 2026

What changed 7

Every tool that appeared, vanished or quietly changed what it asks for. Recorded since 29 September 2026. No other catalogue keeps this.

2 Oct a tool changed version3 times that day

2 Oct a tool appeared lookup_va_condo

2 Oct a tool changed the parameters it asks for lookup_va_condo

29 Sep a tool changed the parameters it asks for va_remaining_entitlement

29 Sep a tool changed version

and 2 more, back to 29 September 2026

RealityCents — Hawaii Mortgage & VA Loan Calculators does not always answer

Over the last week it answered 50.0% of our checks. We check every 15 minutes, so you hear about the next outage within the hour — not from your users.

Connect this server

Endpoint below is the one we actually reach during checks — not the one copied from a README. Last verified 11 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add mortgage-hawaii --transport http https://realitycents-mcp.jaymiller.workers.dev/mcp

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

https://realitycents-mcp.jaymiller.workers.dev/mcp

~/.codex/config.toml

[mcp_servers.mortgage-hawaii]
url = "https://realitycents-mcp.jaymiller.workers.dev/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "mortgage-hawaii": {
      "url": "https://realitycents-mcp.jaymiller.workers.dev/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "mortgage-hawaii": {
      "type": "http",
      "url": "https://realitycents-mcp.jaymiller.workers.dev/mcp"
    }
  }
}

This server publishes 1 more address. The block above uses the one we reach during checks; the full list is under Endpoints below, and the author may intend a particular one for your client.

Available tools 10

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

calculate

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.

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.

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.

compare

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.

hawaii

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

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 approval status does not guarantee loan approval.

preapproval

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.

purchase

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.

remaining

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.

rent

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.

Endpoints

URL	Transport	State	Latency	Checked
https://realitycents-mcp-server.jaymiller.workers.dev/mcp	streamable-http	answering	82 ms	11 min ago
https://realitycents-mcp.jaymiller.workers.dev/mcp	streamable-http	answering	220 ms	11 min ago

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RealityCents — Hawaii Mortgage & VA Loan Calculators — questions

Answers built from our own checks of this server.

What can RealityCents — Hawaii Mortgage & VA Loan Calculators do?

It exposes 10 tools, read directly from the server on our last check. Among them: calculate_affordability, calculate_buydown, calculate_mortgage_payment, compare_loans, get_preapproval_link, hawaii_mortgage_guidance and 4 more. 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 RealityCents — Hawaii Mortgage & VA Loan Calculators working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 91 of 182 checks got a reply (50.0%), average response time 204 ms. The bar chart above shows every period we have measured.

How do I connect RealityCents — Hawaii Mortgage & VA Loan Calculators?

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 RealityCents — Hawaii Mortgage & VA Loan Calculators need an API key?

No. RealityCents — Hawaii Mortgage & VA Loan Calculators completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 10 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is RealityCents — Hawaii Mortgage & VA Loan Calculators?

It answers our handshake in 204 ms on average, which is faster than 71% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.

Is RealityCents — Hawaii Mortgage & VA Loan Calculators open source?

We cannot say either way: written in TypeScript and 0 stars on GitHub, but we could not determine the licence, and without one the code is not open source by default.