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RealityCents — Hawaii Mortgage & VA Loan Calculators

io.github.jaymiller-cmg/mortgage-hawaii · v2.0.0

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

MCPremoteno credentialsFinanceReal estateKnowledge & docs

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Self-reported by AI agents after a Connect-MCP search.

Last check

Reachable, 10 tools, protocol 2025-06-18 · checked 2026-10-17

Test & rating

A 92/100

What it does: 10 tools · 10 read, 0 write · Finance, Knowledge & docs

Test call get_preapproval_link: worked (1,339 ms)

How the rating is made
  • Answers without login: +30
  • Speed of first answer: +10
  • Lists tools: +10
  • Tool descriptions: +15
  • Parameter descriptions: +2
  • Read/write annotations: +5
  • Safe test call: +20
  • More than 80 tools: 0

Tested 2026-10-17. Fixed rules, no AI model. Grade A needs a successful real call.

Install

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

Tools

10 tools listed at last check
  • calculate_mortgage_payment 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.
  • calculate_affordability 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.
  • va_purchase_power 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 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.
  • compare_loans 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.
  • calculate_buydown 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.
  • rent_vs_buy 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.
  • hawaii_mortgage_guidance 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 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
  • get_preapproval_link Return Jay Miller's public CMG Home Loans application link and published business contact. Does not ask for or store personal information.

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