# io.github.clara-finance/clara-mortgage-assistant

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

- **Type:** MCP server
- **Trust:** 60/100 (B), scored on the content rubric
- **Verification:** community-indexed — nobody has claimed this listing
- **Version:** 0.1.1
- **Author:** io.github.clara-finance
- **License:** Unknown
- **Endpoints:** streamable-http https://mcp.claratech.ai/mcp
- **Source:** https://www.claratech.ai/mortgage-assistant
- **Endpoint health:** reachable (last checked 2026-10-02T22:33:56.507Z, 5 samples) — uptime is not a security property and is not part of the trust score
- **Compatible clients:** claude-code, cursor, copilot, chatgpt, gemini (basis: transport)

## Trust

60/100 (B), scored on the content rubric
- Publisher verified: no
- Install scripts: nothing suspicious found
- Prompt-injection scan: clean
- Obfuscation scan: clean
- Evidence age: 2 days

## Security scan

- **Status:** clean
- **Scanned:** 2026-10-02T22:33:56.507Z
- **Version scanned:** live
- **CVEs:** no coverage — this entry has no package coordinates to query OSV against, so "no known CVEs" is NOT asserted for it.

## Tools

6 declared. Observed from a live `tools/list` probe.
- `refuse_unsupported_mortgage_request` — MUST be called whenever the user asks whether a borrower should be approved, denied, pre-approved, conditionally approved, underwritten, or assessed for suitabi
- `compare_mortgage_scenarios` — Compare up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Use only with explicit, non-identifying numeric input
- `calculate_qualification` — Calculate the B-20 qualifying rate, qualifying payment, and resulting GDS/TDS from a supplied principal, contract rate, amortization, and income. Use this tool 
- `calculate_debt_service` — MUST use this tool when the user supplies a monthly mortgage payment and asks for Canadian GDS or TDS. Calculate the ratios directly from that payment, income, 
- `calculate_ltv` — Calculate Canadian loan-to-value and combined loan-to-value using purchase price, appraisal, and secured positions. Ratios are not an approval or suitability de
- `estimate_prepayment_penalty` — Estimate three-months-interest and simple IRD prepayment penalties; lender discharge statements remain authoritative. Use only with explicit, non-identifying nu

## Install

**Verdict: review** — Installable, but 2 things to check first: No CVE coverage: this entry has no npm/PyPI coordinates to query OSV against, so "no known vulnerabilities" is not a claim that can be made about it.
**Cautions** (coverage gaps and advisories — never blocking)
- No CVE coverage: this entry has no npm/PyPI coordinates to query OSV against, so "no known vulnerabilities" is not a claim that can be made about it.
- No publisher has proved control of this listing; it is indexed, not vouched for.
**Config** (claude-code):
```json
"{\n  \"mcpServers\": {\n    \"clara-mortgage-assistant\": {\n      \"type\": \"http\",\n      \"url\": \"https://mcp.claratech.ai/mcp\"\n    }\n  }\n}"
```

## Blast radius

Contained to moderate — no credential declaration found, from the publisher, the upstream registry, or the README. Known so far: runs on someone else's infrastructure; read-only tool surface.
- Floor 9, ceiling 27 (tier: unknown)
- `unknown` means the floor and ceiling land in different bands — not measured enough to name one. It does not mean low.
- This is impact, not likelihood. A high radius is not a defect: a filesystem server is supposed to write files. It is never part of the trust score.

## Machine-readable views of this entry

- Signed JSON: https://forgeregistry.com/api/v1/packages/io.github.clara-finance%2Fclara-mortgage-assistant
- Install plan: https://forgeregistry.com/api/v1/packages/io.github.clara-finance%2Fclara-mortgage-assistant/install-plan
- Alternatives: https://forgeregistry.com/api/v1/alternatives/io.github.clara-finance%2Fclara-mortgage-assistant
- HTML page: https://forgeregistry.com/registry/io.github.clara-finance%2Fclara-mortgage-assistant
- MCP: POST https://forgeregistry.com/api/mcp → `forge_get_package` / `forge_install_plan`

## About this document

Generated by Forge (https://forgeregistry.com) — a compact rendering of the same record served, signed, at the JSON URL above. Trust and scan facts are the registry's own measurements; anything Forge did not measure is named as unmeasured rather than omitted.