Zeitro: Mortgage Guidelines MCP Server

by zeitro Your server? Claim it

answering

Zeitro: Mortgage Guidelines is answering right now. Last checked 15 min ago. It exposes 5 tools.

Verbatim Fannie Mae, Freddie Mac, FHA, VA and USDA mortgage guidelines, cited by document and page.

Uptime history 32 hours of history

32 hours agonow

100.0%

Uptime 24h

90 of 90 checks

Tools

read from the server

759 ms

Response time

average over 24h

open, no key

Access

streamable-http

Nothing serious here today

Today is the operative word: we check Zeitro: Mortgage Guidelines 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 15 min ago.

Claude Code Claude Desktop Codex Cursor VS Code

run in your terminal

claude mcp add strata --transport http https://strata-mcp.zeitro.com/mcp

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

https://strata-mcp.zeitro.com/mcp

~/.codex/config.toml

[mcp_servers.strata]
url = "https://strata-mcp.zeitro.com/mcp"

.cursor/mcp.json

{
  "mcpServers": {
    "strata": {
      "url": "https://strata-mcp.zeitro.com/mcp"
    }
  }
}

.vscode/mcp.json

{
  "servers": {
    "strata": {
      "type": "http",
      "url": "https://strata-mcp.zeitro.com/mcp"
    }
  }
}

Available tools 5

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

calculate

calculate_dti

Calculates front-end (housing) and back-end (total) debt-to-income ratios from monthly income and monthly payments, and compares them with the published limits of Fannie Mae, Freddie Mac, FHA, VA and USDA, automated and manual underwriting listed separately. Each limit carries its guideline citation (document, section, version, page, cite_as). With loan_amount, state and family_size it also returns VA's minimum residual income. Pure calculation: an estimate, not an underwriting decision.

calculate_fha_mip

Calculates the FHA upfront and annual mortgage insurance premium (rates, dollar amounts, first-year monthly premium and how long the annual premium lasts) from the base loan amount, loan-to-value ratio, term and the case number date, using the HUD rate schedule in force for that date. Cites the Mortgagee Letter and HUD Handbook 4000.1 Appendix 1.0. Pure calculation: an estimate, not a loan approval.

document

get_document_pages

Returns the full text of up to 5 consecutive pages of one agency guideline document (Fannie Mae, Freddie Mac, FHA, VA or USDA), with the document, version date, a ready-made citation and links. Useful when a passage is cut off or a table continues onto the next page.

documents

list_documents

Lists the guideline documents of one agency (Fannie Mae, Freddie Mac, FHA, VA or USDA): doc_id, title, version date and the agency's official source link.

guidelines

search_guidelines

Searches the Fannie Mae, Freddie Mac, FHA, VA and USDA mortgage guidelines and returns the most relevant verbatim passages. Each passage includes the document, version date, page, a ready-made citation (cite_as), the official source link and a citation URL on zeitro.com. A focused question per call (for example 'FHA student loan monthly payment calculation') returns the best passages. Passages may contain HTML tables. Lender overlays are not included.

Endpoints

URL	Transport	State	Latency	Checked
https://strata-mcp.zeitro.com/mcp	streamable-http	answering	731 ms	15 min ago

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Zeitro: Mortgage Guidelines — questions

Answers built from our own checks of this server.

What can Zeitro: Mortgage Guidelines do?

It exposes 5 tools, read directly from the server on our last check. Among them: calculate_dti, calculate_fha_mip, get_document_pages, list_documents, search_guidelines. 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 Zeitro: Mortgage Guidelines working right now?

We send a real MCP handshake every 15 minutes. Over the last 24 hours 90 of 90 checks got a reply (100.0%), average response time 759 ms. The bar chart above shows every period we have measured.

How do I connect Zeitro: Mortgage Guidelines?

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 Zeitro: Mortgage Guidelines need an API key?

No. Zeitro: Mortgage Guidelines completed a full MCP handshake with us as an anonymous client and listed its tools without asking for anything. All 5 of them are readable on this page. This is what we observed, not what the docs claim.

How fast is Zeitro: Mortgage Guidelines?

It answers our handshake in 759 ms on average, which is faster than 13% 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.