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Clara Mortgage Assistant

by clara-finance · remote · no sign-in to list tools · v0.1.1 · published by GitHub user clara-finance

Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.

Changes · 5
CompareRegistry entry

6 tools: 5 change things and 1 only read.

Scanned Oct 21, 2026

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

claude mcp add --transport http clara-mortgage-assistant https://mcp.claratech.ai/mcp

Findings

Matches of fixed checks, with the text they matched.

1 warn
  • Warnrefuse_unsupported_mortgage_request

    The server marks "refuse_unsupported_mortgage_request" read-only (readOnlyHint: true), and its own name, description or input give the class "write".

    Matched text

    annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "refuse_unsupported_mortgage_request" says "request": 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.

6 tools

Changes things 5Claude Code: ask
  • calculate_debt_serviceCalculates Canadian GDS and TDS ratios from a monthly mortgage payment that is already known, plus income, housing costs, and other monthly debts.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
    Calculates Canadian GDS and TDS ratios from a monthly mortgage payment that is already known, plus income, housing costs, and other monthly debts. It takes the payment as given and needs no principal, rate, or amortization. Ratios are not an approval or suitability decision. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

    Annotations the server declares

    • title: Calculate GDS and TDS
    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • openWorldHint: false
  • calculate_ltvCalculates Canadian loan-to-value and combined loan-to-value from the loan amount, other secured positions, and a purchase price, an appraised value, or both.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
    Calculates Canadian loan-to-value and combined loan-to-value from the loan amount, other secured positions, and a purchase price, an appraised value, or both. Ratios are not an approval or suitability decision. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

    Annotations the server declares

    • title: Calculate LTV and CLTV
    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • openWorldHint: false
  • calculate_qualificationCalculates the B-20 qualifying rate, the qualifying payment, and the resulting GDS/TDS from a principal, contract rate, amortization, and income.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
    Calculates the B-20 qualifying rate, the qualifying payment, and the resulting GDS/TDS from a principal, contract rate, amortization, and income. It computes the payment itself, so it needs those loan terms. Results are neutral scenario math, not an approval or underwriting decision. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

    Annotations the server declares

    • title: Calculate B-20 Stress-Test Qualification
    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • openWorldHint: false
  • estimate_prepayment_penaltyEstimates three-months-interest and simplified interest-rate-differential prepayment penalties.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
    Estimates three-months-interest and simplified interest-rate-differential prepayment penalties. Lender discharge statements remain authoritative. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

    Annotations the server declares

    • title: Estimate a Mortgage Prepayment Penalty
    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • openWorldHint: false
  • refuse_unsupported_mortgage_requestReturns a fixed explanation that a request is outside this calculator's scope, with a calculation it can do instead.1 finding

    Why it is in this group

    • The name "refuse_unsupported_mortgage_request" says "request": 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 "refuse_unsupported_mortgage_request" read-only (readOnlyHint: true), and its own name, description or input give the class "write".

      Matched text

      annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "refuse_unsupported_mortgage_request" says "request": a word for a change.

      What this check looks for
    Description, as the server wrote it
    Returns a fixed explanation that a request is outside this calculator's scope, with a calculation it can do instead. Categories: approval or underwriting decisions, lender or product recommendations, borrower documents or accounts, current rates, rules, or thresholds, external actions such as submitting applications or contacting anyone, and other unsupported requests. Takes only the category; it accepts no request text, names, identifiers, or document content.

    Annotations the server declares

    • title: Refuse Unsupported Mortgage Approval or Underwriting Requests
    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • openWorldHint: false
Only reads 1Claude Code: allow
  • compare_mortgage_scenariosCompares up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations.No findings

    Why it is in this group

    • The name "compare_mortgage_scenarios" says "compare": a word for reading.
    Description, as the server wrote it
    Compares up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recommendations, and no values looked up from chats, files, accounts, documents, or the web.

    Annotations the server declares

    • title: Compare Canadian Mortgage Scenarios
    • readOnlyHint: true
    • destructiveHint: false
    • idempotentHint: true
    • 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 0.1.1. Values in angle brackets are yours to fill in.

claude mcp add --transport http clara-mortgage-assistant https://mcp.claratech.ai/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": [
      "mcp__clara-mortgage-assistant__compare_mortgage_scenarios"
    ],
    "ask": [
      "mcp__clara-mortgage-assistant__refuse_unsupported_mortgage_request",
      "mcp__clara-mortgage-assistant__calculate_qualification",
      "mcp__clara-mortgage-assistant__calculate_debt_service",
      "mcp__clara-mortgage-assistant__calculate_ltv",
      "mcp__clara-mortgage-assistant__estimate_prepayment_penalty"
    ],
    "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 clara-mortgage-assistant. Review it before you use it.