MCP server

Clara Mortgage Assistant

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

Checked 26 Oct 2026, 08:29 UTC · Connected to it and listed its tools

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

Website

At a glance

Type

MCP server

Publisher

Not verified

Status

Working at last check

Tools

6

Token cost

About 3,563 tokens per request

Sets up in

Claude Code, Claude Desktop, Codex, Gemini CLI, Cursor, VS Code, Antigravity, ChatGPT, OpenAI API, Grok

Last checked

26 Oct 2026, 08:29 UTC

Connect it to your agent

Add to CursorAdd to VS CodeVS Code Insiders

Opens the app, which shows the server and asks you to confirm. For other apps, copy the setup below.

Claude Code

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

Claude Desktop

Settings → Connectors → Add custom connector, and paste the URL.

Codex (config.toml)

[mcp_servers.clara-mortgage-assistant]
url = "https://mcp.claratech.ai/mcp"

Gemini CLI

{"mcpServers":{"clara-mortgage-assistant":{"httpUrl":"https://mcp.claratech.ai/mcp"}}}

Cursor

{"mcpServers":{"clara-mortgage-assistant":{"url":"https://mcp.claratech.ai/mcp"}}}

VS Code

{"servers":{"clara-mortgage-assistant":{"type":"http","url":"https://mcp.claratech.ai/mcp"}}}

Antigravity

agy mcp add clara-mortgage-assistant https://mcp.claratech.ai/mcp

ChatGPT

Settings → Apps & Connectors → Advanced settings: turn on Developer mode, then Create a connector and paste the URL. Which plans can do this varies.

OpenAI API (Responses tools)

{"type":"mcp","server_label":"clara-mortgage-assistant","server_url":"https://mcp.claratech.ai/mcp","require_approval":"always"}

Grok (xAI API tools)

{"type":"mcp","server_label":"clara-mortgage-assistant","server_url":"https://mcp.claratech.ai/mcp"}

Tools

• calculate_debt_service ~686 tokens
  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
• calculate_ltv ~555 tokens
  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 on
• calculate_qualification ~916 tokens
  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
• compare_mortgage_scenarios ~622 tokens
  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 v
• estimate_prepayment_penalty ~493 tokens
  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 lende
• refuse_unsupported_mortgage_request ~291 tokens
  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 submit

Browse

• GitHub tools
• Payments
• GitHub and code hosting
• Property

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