Mortgage Tools by Jenny is answering right now. Last checked 5 min ago. It exposes 6 tools.
Canadian mortgage calculators: renewal offers, extra payments, break-or-stay, debt consolidation.
Uptime history
19 days of history · worst day 98%
19 days agonow
100.0%
Uptime 24h
92 of 92 checks
6
Tools
read from the server
431 ms
Response time
average over 24h
open, no key
Access
streamable-http
Nothing serious here today
Today is the operative word: we check Mortgage Tools by Jenny 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 5 min ago.
run in your terminal
claude mcp add jenny-mortgage-tools --transport http https://mcp.jenny.mortgage/mcpSettings → Connectors → Add custom connector, then paste this address
https://mcp.jenny.mortgage/mcp~/.codex/config.toml
[mcp_servers.jenny-mortgage-tools]
url = "https://mcp.jenny.mortgage/mcp".cursor/mcp.json
{
"mcpServers": {
"jenny-mortgage-tools": {
"url": "https://mcp.jenny.mortgage/mcp"
}
}
}.vscode/mcp.json
{
"servers": {
"jenny-mortgage-tools": {
"type": "http",
"url": "https://mcp.jenny.mortgage/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.
compare
compare_break_or_stay
Use this when a user is partway through a Canadian mortgage term and asks whether to break the mortgage early (to refinance the same debt, switch lender or take a lower rate) or stay until the term ends. Compares keeping it with a user-supplied replacement offer, counting the lender-quoted penalty, such as an interest rate differential (IRD) or three months' interest. Shows cashflow payback separately from borrowing-cost crossover. Do not use to calculate or estimate a penalty: the lender must quote it, and an unknown penalty prevents an unconditional ranking. No cash-out or rate search.
compare_debt_consolidation
Use this when a user asks about rolling other debts into a Canadian mortgage (debt consolidation), for example credit-card, car-loan or existing line-of-credit or HELOC balances, each entered with a fixed monthly payment or as interest-only. Compares three scenarios over a common horizon: keep the mortgage and debts, consolidate at the new minimum payment, and consolidate while keeping the same monthly repayment budget. Shows interest, debt left, fees and limits. Monthly mortgage payments only; 1 to 10 debts. Do not use for a new HELOC, additional cash-out or qualification: none is modeled.
compare_renewal_offers
Use this when a user has two or three Canadian mortgage offers for the same balance, such as a renewal letter from the current lender and a quote to switch lender at renewal, and wants them compared. Compares the user-supplied rates, terms, amortizations, cashback and switching costs over a common horizon. Returns payments, interest, debt left, modeled borrowing cost and missing facts. Do not use for leaving a mortgage before the term ends (use compare_break_or_stay). Does not search or predict rates, confirm qualification or recommend a lender. An unknown cost is never treated as zero.
diagnose
diagnose_mortgage_comparison
Use this first when a user wants a Canadian mortgage renewal, extra-payment, break-or-stay or debt-consolidation comparison but has not yet given the key figures. From the facts already supplied, returns the missing ones in priority order and up to three questions to ask (balance, rate, remaining amortization, term, switching costs, lender-quoted penalty). Flags a request to borrow additional cash (cash-out refinance) as unsupported. Do not use when the figures are already supplied: call the matching calculator. Does not calculate, rank, check qualification or search rates.
mortgage
get_mortgage_guide
Use this when a user asks how to prepare for or understand a supported Canadian mortgage topic and is not asking for a calculation: renewal, switching costs, unequal terms, payment versus cost, renewal checklist, prepayments, break or stay, debt consolidation, or the calculation method. Returns one short, dated preparation guide written for Ontario and reviewed by an Ontario mortgage agent, with its public source, review status and follow-up questions. Do not use for general financial, legal or tax advice, current rates, arbitrary URLs or live web search.
plan
plan_mortgage_prepayments
Use this when a user asks what paying extra on one Canadian mortgage would do: a higher regular payment, recurring extra payments, or up to 50 lump sums. Compares the supplied mortgage with and without the extras: interest, debt left and modeled payoff period. Checks the extras against prepayment-privilege limits only when the user supplies them; otherwise reports the limits as not checked. Do not use to find a prepayment penalty or the cost of breaking a mortgage: no tool calculates a penalty, the lender quotes it. Results beyond the term need explicit monthly continuation assumptions.
Endpoints
| URL | Transport | State | Latency | Checked |
|---|---|---|---|---|
| https://mcp.jenny.mortgage/mcp | streamable-http | answering | 454 ms | 5 min ago |
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Mortgage Tools by Jenny — questions
Answers built from our own checks of this server.
What can Mortgage Tools by Jenny do?
It exposes 6 tools, read directly from the server on our last check. Among them: compare_break_or_stay, compare_debt_consolidation, compare_renewal_offers, diagnose_mortgage_comparison, get_mortgage_guide, plan_mortgage_prepayments. 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 Mortgage Tools by Jenny 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 431 ms. The bar chart above shows every period we have measured.
How do I connect Mortgage Tools by Jenny?
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 Mortgage Tools by Jenny need an API key?
No. Mortgage Tools by Jenny 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 Mortgage Tools by Jenny?
It answers our handshake in 431 ms on average, which is faster than 29% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.