UQUAL Loan Readiness MCP Server

by uqual Your server? Claim it

answering

UQUAL Loan Readiness is answering right now. Last checked 12 min ago. It exposes 7 tools. Last commit 6 Nov 2026.

Uptime history 41 hours of history · worst hour 0%

41 hours agonow

17.6%

Uptime 24h

16 of 91 checks

Tools

read from the server

264 ms

Response time

average over 24h

Stars

last commit 6 Nov 2026

UQUAL Loan Readiness does not always answer

Over the last week it answered 45.0% 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 12 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add loan-readiness --transport http https://uqual.com/mcp

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

https://uqual.com/mcp

~/.codex/config.toml

[mcp_servers.loan-readiness]
url = "https://uqual.com/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "loan-readiness": {
      "url": "https://uqual.com/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "loan-readiness": {
      "type": "http",
      "url": "https://uqual.com/mcp"
    }
  }
}

Available tools 7

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

calculate

calculate_mortgage_affordability

Computes maximum affordable home purchase price across FHA, Conventional, VA, and USDA, full PITI + MIP/PMI + HOA breakdown, required cash-to-close, and how +20/+40/+60 credit score gains or monthly debt reduction expand purchasing power.

calculate_mortgage_dti

Computes front-end and back-end mortgage debt-to-income (DTI) ratios, student loan agency imputations (Fannie Mae, Freddie Mac, FHA, VA), maximum allowable monthly debt across FHA (31/43 standard, 46.99/56.99 AUS), Conventional (28/36 to 45/50 AUS), VA (41% benchmark), and USDA (29/41), plus exact monthly dollar debt reduction needed.

compare

compare_fha_vs_conventional

Compares FHA (3.5% down at 580+, 1.75% UFMIP + annual MIP) against Conventional (3% first-time buyer / 5% standard down at 620+, credit-tiered PMI with 80%/78% LTV cancellation), returning 5-year and 10-year total cost and the exact credit score crossover point.

down

check_down_payment_assistance

Evaluates eligibility and estimated assistance amounts for state HFA programs (TX TSAHC/TDHCA, FL Florida Housing/Hometown Heroes, CO CHFA, GA Georgia Dream, NC NCHFA NC Home Advantage and $15,000 NC 1st Home Advantage, plus national baseline FTHB rules).

evaluate

evaluate_loan_readiness_score

Computes UQUAL's 4-Pillar Loan Readiness Score (0 to 100) across Credit Middle Score, DTI, Down Payment/Reserves, and Credit Hygiene/Seasoning with compensability cap diagnostics, multi-program alignment, and prioritized counterfactual action steps.

request

request_uqual_loan_readiness_review

Opt-in lead handoff tool invoked ONLY when the user explicitly consents to share contact details for a personalized UQUAL Loan Readiness Coach review via uqual.com/api/seo-leads.

simulate

simulate_debt_payoff_and_readiness

Simulates Avalanche vs Snowball vs UQUAL Mortgage-Readiness DTI-First payoff, targeting installment debts near <=10 remaining payments per Fannie/Freddie/FHA exclusion rules and revolving credit cards above 30% and 10% utilization thresholds.

Endpoints

URL	Transport	State	Latency	Checked
https://uqual.com/mcp	streamable-http	answering	228 ms	12 min ago

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UQUAL Loan Readiness — questions

Answers built from our own checks of this server.

What can UQUAL Loan Readiness do?

It exposes 7 tools, read directly from the server on our last check. Among them: calculate_mortgage_affordability, calculate_mortgage_dti, check_down_payment_assistance, compare_fha_vs_conventional, evaluate_loan_readiness_score, request_uqual_loan_readiness_review and 1 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 UQUAL Loan Readiness working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 16 of 91 checks got a reply (17.6%), average response time 264 ms. The bar chart above shows every period we have measured.

How do I connect UQUAL Loan Readiness?

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 UQUAL Loan Readiness need an API key?

No. UQUAL Loan Readiness completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 7 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is UQUAL Loan Readiness?

It answers our handshake in 264 ms on average, which is faster than 51% of all working MCP servers we measure. The comparison comes from our own checks across the whole registry, every 15 minutes.

Is UQUAL Loan Readiness open source?

The code is open source: it is published under the MIT licence and 1 stars on GitHub. The licence covers the code in the repository, not the hosted service at uqual.com, which runs on its operator's own terms.