MCP server

RealityCents — Hawaii Mortgage & VA Loan Calculators

io.github.jaymiller-cmg/mortgage-hawaii

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

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

Working at last checkAbout 3,903 tokens per request once connected10 tools

Website

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

At a glance

Type: MCP server
Publisher: Not verified
Status: Working at last check
Tools: 10
Token cost: About 3,903 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 Cursor Add to VS Code VS 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 mortgage-hawaii https://realitycents-mcp.jaymiller.workers.dev/mcp

Claude Desktop

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

Codex (config.toml)

[mcp_servers.mortgage-hawaii]
url = "https://realitycents-mcp.jaymiller.workers.dev/mcp"

Gemini CLI

{"mcpServers":{"mortgage-hawaii":{"httpUrl":"https://realitycents-mcp.jaymiller.workers.dev/mcp"}}}

Cursor

{"mcpServers":{"mortgage-hawaii":{"url":"https://realitycents-mcp.jaymiller.workers.dev/mcp"}}}

VS Code

{"servers":{"mortgage-hawaii":{"type":"http","url":"https://realitycents-mcp.jaymiller.workers.dev/mcp"}}}

Antigravity

agy mcp add mortgage-hawaii https://realitycents-mcp.jaymiller.workers.dev/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":"mortgage-hawaii","server_url":"https://realitycents-mcp.jaymiller.workers.dev/mcp","require_approval":"always"}

Grok (xAI API tools)

{"type":"mcp","server_label":"mortgage-hawaii","server_url":"https://realitycents-mcp.jaymiller.workers.dev/mcp"}

Tools

calculate_affordability ~690 tokens
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.
calculate_buydown ~261 tokens
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.
calculate_mortgage_payment ~677 tokens
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.
compare_loans ~452 tokens
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.
get_preapproval_link ~84 tokens
Return Jay Miller's public CMG Home Loans application link and published business contact. Does not ask for or store personal information.
hawaii_mortgage_guidance ~171 tokens
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.
lookup_va_condo ~257 tokens
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 ap
rent_vs_buy Moves money · ~523 tokens
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.
va_purchase_power Moves money · ~518 tokens
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.
va_remaining_entitlement ~270 tokens
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.

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