RealityCents — Hawaii Mortgage & VA Loan Calculators

by jaymiller-cmg · remote · no sign-in to list tools · v2.0.0 · published by GitHub user jaymiller-cmg

Read-only Hawaii mortgage and VA loan calculators from RealityCents.com. No personal data collected.

Final · 2Changes · 4

Compare Registry entry

10 tools: 2 do something that can't be undone, 4 change things and 4 only read.

Scanned Oct 21, 2026

Deletes or cancels0Claude Code: deny
Can't be undone2Claude Code: ask: see these tools
Changes things4Claude Code: ask: see these tools
Only reads4Claude Code: allow: see these tools

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-hawaii https://realitycents-mcp.jaymiller.workers.dev/mcp

Findings

Matches of fixed checks, with the text they matched.

2 warn

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

10 tools

Can't be undone 2Sends, pays, publishes or merges: once done, it cannot be taken back.Claude Code: ask

calculate_mortgage_paymentEstimate PITI for a Hawaii purchase: principal and interest, property tax, insurance, HOA, and PMI, FHA MIP, or a financed VA funding fee.1 finding
Why it is in this group
- The name "calculate_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 "calculate_mortgage_payment" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "calculate_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
Estimate PITI for a Hawaii purchase: principal and interest, property tax, insurance, HOA, and PMI, FHA MIP, or a financed VA funding fee. Read-only. Do not send a name, email, phone, SSN, or street address. Rates are examples, not quotes.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
va_purchase_powerEstimate Honolulu County military income (base pay, BAH, BAS, COLA) and a VA purchase price from pay grade, years of service, and dependents.1 finding
Why it is in this group
- The name "va_purchase_power" says "purchase": 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 "va_purchase_power" read-only (readOnlyHint: true), and its own name, description or input give the class "irreversible".
  Matched text
  annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The name "va_purchase_power" says "purchase": a word that usually means money moves, which cannot be taken back.
  What this check looks for
Description, as the server wrote it
Estimate Honolulu County military income (base pay, BAH, BAS, COLA) and a VA purchase price from pay grade, years of service, and dependents. Uses the RealityCents 2026 pay tables. Read-only. Do not send a name or SSN.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false

Changes things 4Creates or changes something that can be changed back.Claude Code: ask

calculate_affordabilityEstimate a maximum purchase price from gross monthly income, monthly debts, and a DTI target (default 45 for VA and FHA, 41 for conventional and jumbo).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
Estimate a maximum purchase price from gross monthly income, monthly debts, and a DTI target (default 45 for VA and FHA, 41 for conventional and jumbo). Returns the payment at that price. Read-only. No personal identifiers.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
calculate_buydownYear-by-year principal-and-interest and subsidy cost for a 2-1, 1-0, or 3-2-1 temporary buydown, or the upfront cost of permanent discount points.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
Year-by-year principal-and-interest and subsidy cost for a 2-1, 1-0, or 3-2-1 temporary buydown, or the upfront cost of permanent discount points. Read-only. The note rate is an example, not a quote.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
hawaii_mortgage_guidanceConcise factual notes on Hawaii property tax, VA loans, leasehold versus fee simple, VA condo approval, 2026 loan limits, BAH/COLA, closing costs, or pre-approval steps.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
Concise factual notes on Hawaii property tax, VA loans, leasehold versus fee simple, VA condo approval, 2026 loan limits, BAH/COLA, closing costs, or pre-approval steps. Drawn from RealityCents articles. No rate quotes. Read-only.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
va_remaining_entitlementFor a Hawaii county, compute remaining VA entitlement, the max $0-down loan, and the 25% down payment on any amount above that.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
For a Hawaii county, compute remaining VA entitlement, the max $0-down loan, and the 25% down payment on any amount above that. $0 already in use is treated as full entitlement (no county cap). Read-only.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false

Only reads 4Looks things up and changes nothing.Claude Code: allow

compare_loansCompare 2 to 4 loan scenarios (type, rate, down payment, term, discount points) on one purchase price.No findings
Why it is in this group
- The name "compare_loans" says "compare": a word for reading.
Description, as the server wrote it
Compare 2 to 4 loan scenarios (type, rate, down payment, term, discount points) on one purchase price. Returns payment, an illustrative cash-to-close, and total interest. Read-only. Rates are examples.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_preapproval_linkReturn Jay Miller's public CMG Home Loans application link and published business contact.No findings
Why it is in this group
- The name "get_preapproval_link" says "get": a word for reading.
Description, as the server wrote it
Return Jay Miller's public CMG Home Loans application link and published business contact. Does not ask for or store personal information.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
lookup_va_condoCheck whether an Oahu condo project is on the VA's accepted condo list, by project name (fuzzy), building address, or VA condo ID.No findings
Why it is in this group
- The name "lookup_va_condo" says "lookup": a word for reading.
Description, as the server wrote it
Check whether an Oahu condo project is on the VA's accepted condo list, by project name (fuzzy), building address, or VA condo ID. Returns status, VA ID, the data date, and the VA's official lookup link to verify. Oahu only for now. Read-only. Do not send a unit number or personal information. VA approval status does not guarantee loan approval.
Annotations the server declares
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
rent_vs_buyCompare cumulative rent with the net cost of buying over a holding period, using Honolulu's 0.35% tax default unless you override it.No findings
Why it is in this group
- The description's first verb is "compare": a word for reading.
Description, as the server wrote it
Compare cumulative rent with the net cost of buying over a holding period, using Honolulu's 0.35% tax default unless you override it. Read-only. Not a price or rent forecast.
Annotations the server declares
- 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 2.0.0. Values in angle brackets are yours to fill in.

claude mcp add --transport http mortgage-hawaii https://realitycents-mcp.jaymiller.workers.dev/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__mortgage-hawaii__compare_loans",
      "mcp__mortgage-hawaii__rent_vs_buy",
      "mcp__mortgage-hawaii__lookup_va_condo",
      "mcp__mortgage-hawaii__get_preapproval_link"
    ],
    "ask": [
      "mcp__mortgage-hawaii__calculate_mortgage_payment",
      "mcp__mortgage-hawaii__calculate_affordability",
      "mcp__mortgage-hawaii__va_purchase_power",
      "mcp__mortgage-hawaii__va_remaining_entitlement",
      "mcp__mortgage-hawaii__calculate_buydown",
      "mcp__mortgage-hawaii__hawaii_mortgage_guidance"
    ],
    "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-hawaii. 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/io.github.jaymiller-cmg/mortgage-hawaii/changes.xml

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Anlyon alternative

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

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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. Synced Oct 21, 2026, 18:36 UTC.

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