HomeMortgageOnline mortgage tools

by homemortgageonline.com · remote · no sign-in to list tools · v1.0.0 · published by com.homemortgageonline

Read-only mortgage calculators and the site's published rate snapshot.

Final · 1Changes · 14

Compare Registry entry

15 tools: 1 do something that can't be undone and 14 change things.

Scanned Oct 21, 2026

Deletes or cancels0Claude Code: deny
Can't be undone1Claude Code: ask: see these tools
Changes things14Claude Code: ask: see these tools
Only reads0Claude Code: allow

2 checks matched something in the tool definitions. No finding is not a safety guarantee. How the checks work.

claude mcp add --transport http mortgage-tools https://homemortgageonline.com/mcp

Findings

Matches of fixed checks, with the text they matched.

2 warn

Warnmortgage_payment
The server marks "mortgage_payment" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"openWorldHint":false}; The name "mortgage_payment" says "payment": a word that usually means money moves, which cannot be taken back.
What this check looks for
Warnamortization_schedule
The server marks "amortization_schedule" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
Matched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"openWorldHint":false}; The name "amortization_schedule" says "schedule": a word for a change.
What this check looks for

Tools

Open a tool for its reasons and full description. Descriptions are the publisher's own words, shown as they are.

15 tools

Can't be undone 1Sends, pays, publishes or merges: once done, it cannot be taken back.Claude Code: ask

mortgage_paymentMonthly principal, interest, taxes, insurance, and HOA from the HomeMortgageOnline mortgage calculator.1 finding
Why it is in this group
- The name "mortgage_payment" says "payment": a word that usually means money moves, which cannot be taken back.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "mortgage_payment" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"openWorldHint":false}; The name "mortgage_payment" says "payment": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
Monthly principal, interest, taxes, insurance, and HOA from the HomeMortgageOnline mortgage calculator. Missing inputs return "not available". Not a quote.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false

Changes things 14Creates or changes something that can be changed back.Claude Code: ask

affordabilityHome price search from the affordability calculator.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
Home price search from the affordability calculator. Every input is required. The page defaults (36% DTI, 30 years, 7.28%) are not filled in. Missing inputs return "not available".
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false
amortization_scheduleFixed-payment amortization using the mortgage calculator payment and the PMI calculator's balance step.1 finding
Why it is in this group
- The name "amortization_schedule" says "schedule": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
  The server marks "amortization_schedule" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"openWorldHint":false}; The name "amortization_schedule" says "schedule": a word for a change.
  What this check looks for
Description, as the server wrote it
Fixed-payment amortization using the mortgage calculator payment and the PMI calculator's balance step. Pass loanAmount, or price and downPayment. Schedule rows over 360 months return "not available".
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false
closing_costsCash to close from the closing-cost calculator.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
Cash to close from the closing-cost calculator. All fee inputs are required. Missing inputs return "not available". Not a Loan Estimate.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false
loan_path_noteEducational loan-path note already coded on the site.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
Educational loan-path note already coded on the site. goal is veteran, rural, lowdown, highprice, refi, or conventional. credit may be fair or thin. Unknown goal returns "not available".
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false
pmi_estimateMonthly PMI, LTV, and the removal walk from the PMI calculator.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
Monthly PMI, LTV, and the removal walk from the PMI calculator. Missing inputs return "not available". The PMI rate is not a lender quote.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false
published_ratesDated national rate prints already published on HomeMortgageOnline.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
Dated national rate prints already published on HomeMortgageOnline. Omit product for the full snapshot. An unknown product returns "not available". Not a quote.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false
rate_outlook30-year fixed history and scenario band from the rate outlook chart.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
30-year fixed history and scenario band from the rate outlook chart. Optional label such as 2024, Now, +1 mo, or +6 mo. An unknown label returns "not available".
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false
refinance_break_evenBreak-even months from the refinance page: closing costs divided by monthly savings, rounded up.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
Break-even months from the refinance page: closing costs divided by monthly savings, rounded up. Or pass both loans and the principal-and-interest formula supplies the savings. Missing inputs return "not available".
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false
state_rate_contextLooks up a state on the rates-by-state page.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
Looks up a state on the rates-by-state page. stateSpecificRate is "not available" because the site does not publish a separate state rate. Unknown state returns "not available".
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false
tax_itemizeMortgage-interest worksheet.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
Mortgage-interest worksheet. Compares qualified interest plus other itemized amounts to a standard-deduction assumption you supply. No IRS table is filled in. Missing required inputs return "not available".
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false
tax_pmi_treatmentPMI tax worksheet.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
PMI tax worksheet. Deductibility is not modeled unless optInCitedDeduction is true. No phaseout table is invented. Missing annual PMI returns "not available".
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false
tax_pointsPoints worksheet: straight-line amortization or the simplified purchase-year illustration.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
Points worksheet: straight-line amortization or the simplified purchase-year illustration. Missing required inputs return "not available".
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false
tax_saltSALT worksheet.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
SALT worksheet. Property tax is a cash cost. A federal deduction is returned only when saltCapAssumption is supplied. Otherwise that deduction is "not available".
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false
tax_take_home_pitiTake-home versus PITI worksheet.No findings
Why it is in this group
- Nothing in its name or description says what it does, so it is counted as a write.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Description, as the server wrote it
Take-home versus PITI worksheet. Missing required housing or take-home inputs return "not available".
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- openWorldHint: false

This is not a safety rating, and no finding is not a safety guarantee. The groups and findings come from fixed checks of the tool definitions the server returned on the date shown, not from its code or what it does when called. How the checks work.

Install

Pinned to version 1.0.0. Values in angle brackets are yours to fill in.

claude mcp add --transport http mortgage-tools https://homemortgageonline.com/mcp

Run in a terminal.

Claude Code permissions

Allow the reads, ask before a change, deny the deletes. Paste into .claude/settings.json.

.claude/settings.json

{
  "permissions": {
    "allow": [],
    "ask": [
      "mcp__mortgage-tools__mortgage_payment",
      "mcp__mortgage-tools__affordability",
      "mcp__mortgage-tools__refinance_break_even",
      "mcp__mortgage-tools__amortization_schedule",
      "mcp__mortgage-tools__pmi_estimate",
      "mcp__mortgage-tools__closing_costs",
      "mcp__mortgage-tools__loan_path_note",
      "mcp__mortgage-tools__published_rates",
      "mcp__mortgage-tools__rate_outlook",
      "mcp__mortgage-tools__state_rate_context",
      "mcp__mortgage-tools__tax_itemize",
      "mcp__mortgage-tools__tax_points",
      "mcp__mortgage-tools__tax_pmi_treatment",
      "mcp__mortgage-tools__tax_salt",
      "mcp__mortgage-tools__tax_take_home_piti"
    ],
    "deny": []
  }
}

Tools that only read are allowed, tools that change things ask first, tools that delete or cancel are denied. It assumes the server is installed as mortgage-tools. Review it before you use it.

Keep track

Get told when this server's tools change: a new tool, a new description, a new class.

https://anlyon.dev/servers/com.homemortgageonline/mortgage-tools/changes.xml

An Atom feed. Works in any feed reader or Slack's RSS app.

Anlyon alternative

15 of these tools change something. Run those as governed actions.

Declare what an action changes, and Anlyon puts it under a shared limit, binds every approval to the exact request, and grades the outcome. It works on any HTTPS API you can describe as an action.

Anlyon does not run, proxy or govern this MCP server. A tool your own code calls directly is not routed through Anlyon and is not governed by it.

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Source: MCP Registry · repository. Synced Oct 21, 2026, 17:56 UTC.

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