_ registry / mcp http-sse · checked 5h ago

realitycents-mcp

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

Registry code: f478c8ccd990103a

api record

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

from a public catalogue that lists it, not from the operator

endpoint: https://realitycents-mcp.jaymiller.workers.dev/mcp
protocol: http-sse ·2025-06-18
authentication: none observed
public key: none — nobody has proven they own this listing
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live

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100%

90 days 100%· all time 100%

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priced tools

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_ answered our checks, 90 days 1 checks · signed record

2026-09-28 03:38 unknown → live

_ used through this hub 30 days

The one measurement on this page that an operator cannot produce by editing a file on its own server: somebody else chose it, and paid to. Read the accounts before the calls — volume from one account is one relationship, and calling yourself is the cheap half. Both are what the ranking is built from, printed so the order can be checked rather than taken on trust.

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calls served

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_ what it can do 9 tools

1 open 8 never probed 1 of 9 classified

Price is per tool, not per server. An agent whose handshake is open can hold tools that demand a key or a payment, and one figure for the whole agent sends callers into a wall.

get_preapproval_link open 5h ago
Return Jay Miller's public CMG Home Loans application link and published business contact. Does not ask for or store personal information.

mcp-tool
{ "type": "object", "$schema": "https://json-schema.org/draft/2020-12/schema", "properties": {} }
arguments 5 lines

calculate_mortgage_payment unknown never probed

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.

mcp-tool

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "price"
  ],
  "properties": {
    "rate": {
      "type": "number",
      "default": 6.5,
      "maximum": 25,
      "minimum": 0,
      "description": "Annual note rate as a percent. Default 6.5 is an example, not a quote."
    },
    "price": {
      "type": "number",
      "maximum": 50000000,
      "description": "Purchase price in dollars.",
      "exclusiveMinimum": 0
    },
    "loanType": {
      "enum": [
        "conventional",
        "fha",
        "va",
        "jumbo"
      ],
      "type": "string",
      "default": "conventional"
    },
    "termYears": {
      "type": "integer",
      "default": 30,
      "maximum": 40,
      "minimum": 1,
      "description": "Amortizing term in years."
    },
    "hoaMonthly": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "HOA or maintenance fee in dollars per month."
    },
    "vaFirstUse": {
      "type": "boolean",
      "default": true,
      "description": "VA funding fee: true = first use. Ignored for other loan types."
    },
    "creditScore": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300,
      "description": "Optional FICO for conventional PMI. Omit it to use LTV-only PMI tiers. Do not send a name or SSN."
    },
    "downPayment": {
      "type": "number",
      "minimum": 0,
      "description": "Down payment. Defaults: VA 0%, FHA 3.5%, conventional 5%, jumbo 10% when downPaymentUnit is percent."
    },
    "pointsPercent": {
      "type": "number",
      "default": 0,
      "maximum": 10,
      "minimum": 0,
      "description": "Discount points as a percent of the total loan. Affects cash to close, not the note rate."
    },
    "downPaymentUnit": {
      "enum": [
        "percent",
        "dollars"
      ],
      "type": "string",
      "default": "percent"
    },
    "insuranceMonthly": {
      "type": "number",
      "default": 150,
      "minimum": 0,
      "description": "Homeowner's insurance in dollars per month. Default $150 is a planning placeholder, not a quote."
    },
    "monthlyTaxOverride": {
      "type": "number",
      "minimum": 0,
      "description": "Monthly property tax in dollars. A value above 0 replaces the tax-rate calculation."
    },
    "vaDisabilityExempt": {
      "type": "boolean",
      "default": false,
      "description": "True if the borrower is exempt from the VA funding fee."
    },
    "propertyTaxRatePercent": {
      "type": "number",
      "default": 0.35,
      "maximum": 5,
      "minimum": 0,
      "description": "Annual property tax as a percent of price. Default 0.35 is Honolulu County residential."
    }
  }
}

arguments 99 lines

calculate_affordability unknown never probed

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.

mcp-tool

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "grossMonthlyIncome"
  ],
  "properties": {
    "rate": {
      "type": "number",
      "default": 6.5,
      "maximum": 25,
      "minimum": 0,
      "description": "Annual note rate as a percent. Default 6.5 is an example, not a quote."
    },
    "loanType": {
      "enum": [
        "conventional",
        "fha",
        "va",
        "jumbo"
      ],
      "type": "string",
      "default": "conventional"
    },
    "dtiTarget": {
      "type": "number",
      "maximum": 65,
      "minimum": 1,
      "description": "Housing-plus-debts DTI cap as a percent. Defaults to 45 for VA and FHA, 41 for conventional and jumbo."
    },
    "termYears": {
      "type": "integer",
      "default": 30,
      "maximum": 40,
      "minimum": 1,
      "description": "Amortizing term in years."
    },
    "hoaMonthly": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "HOA or maintenance fee in dollars per month."
    },
    "vaFirstUse": {
      "type": "boolean",
      "default": true,
      "description": "VA funding fee: true = first use. Ignored for other loan types."
    },
    "creditScore": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300,
      "description": "Optional FICO for conventional PMI. Omit it to use LTV-only PMI tiers. Do not send a name or SSN."
    },
    "downPayment": {
      "type": "number",
      "minimum": 0
    },
    "monthlyDebts": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Monthly debt payments already owed (car, cards, student loans)."
    },
    "downPaymentUnit": {
      "enum": [
        "percent",
        "dollars"
      ],
      "type": "string",
      "default": "percent"
    },
    "insuranceMonthly": {
      "type": "number",
      "default": 150,
      "minimum": 0,
      "description": "Homeowner's insurance in dollars per month. Default $150 is a planning placeholder, not a quote."
    },
    "grossMonthlyIncome": {
      "type": "number",
      "description": "Gross monthly income in dollars. Do not send a name or employer.",
      "exclusiveMinimum": 0
    },
    "monthlyTaxOverride": {
      "type": "number",
      "minimum": 0,
      "description": "Monthly property tax in dollars. A value above 0 replaces the tax-rate calculation."
    },
    "vaDisabilityExempt": {
      "type": "boolean",
      "default": false,
      "description": "True if the borrower is exempt from the VA funding fee."
    },
    "propertyTaxRatePercent": {
      "type": "number",
      "default": 0.35,
      "maximum": 5,
      "minimum": 0,
      "description": "Annual property tax as a percent of price. Default 0.35 is Honolulu County residential."
    }
  }
}

arguments 102 lines

va_purchase_power unknown never probed

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.

mcp-tool

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "payGrade"
  ],
  "properties": {
    "rate": {
      "type": "number",
      "default": 6.5,
      "maximum": 25,
      "minimum": 0,
      "description": "Example annual rate passed into the site purchase-power solver. Not a quote."
    },
    "maxDti": {
      "type": "number",
      "default": 55,
      "maximum": 65,
      "minimum": 1,
      "description": "Planning DTI used by the RealityCents Military Buying Power calculator. Not a VA approval cap."
    },
    "payGrade": {
      "enum": [
        "E-1",
        "E-2",
        "E-3",
        "E-4",
        "E-5",
        "E-6",
        "E-7",
        "E-8",
        "E-9",
        "W-1",
        "W-2",
        "W-3",
        "W-4",
        "W-5",
        "O-1E",
        "O-2E",
        "O-3E",
        "O-1",
        "O-2",
        "O-3",
        "O-4",
        "O-5",
        "O-6",
        "O-7",
        "O-8",
        "O-9",
        "O-10"
      ],
      "type": "string",
      "description": "Military pay grade. BAH is Honolulu County (HI408) 2026."
    },
    "dependents": {
      "type": "integer",
      "default": 0,
      "maximum": 12,
      "minimum": 0,
      "description": "Dependent count. More than zero uses the with-dependents BAH rate. COLA uses this count."
    },
    "hoaMonthly": {
      "type": "number",
      "default": 0,
      "minimum": 0
    },
    "otherDebts": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Other monthly debt payments."
    },
    "vaFirstUse": {
      "type": "boolean",
      "default": true
    },
    "downPayment": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Down payment in dollars. Default $0."
    },
    "yearsOfService": {
      "type": "number",
      "default": 0,
      "maximum": 40,
      "minimum": 0
    },
    "insuranceMonthly": {
      "type": "number",
      "default": 150,
      "minimum": 0
    },
    "monthlyTaxOverride": {
      "type": "number",
      "minimum": 0
    },
    "vaDisabilityExempt": {
      "type": "boolean",
      "default": false
    },
    "propertyTaxRatePercent": {
      "type": "number",
      "default": 0.35,
      "maximum": 5,
      "minimum": 0
    }
  }
}

arguments 109 lines

va_remaining_entitlement unknown never probed

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.

mcp-tool

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "county",
    "entitlementAlreadyInUse",
    "purchasePrice"
  ],
  "properties": {
    "county": {
      "enum": [
        "honolulu",
        "maui",
        "kalawao",
        "kauai",
        "hawaii"
      ],
      "type": "string",
      "description": "Hawaii county for the 2026 FHFA one-unit conforming limit."
    },
    "purchasePrice": {
      "type": "number",
      "maximum": 50000000,
      "exclusiveMinimum": 0
    },
    "entitlementAlreadyInUse": {
      "type": "number",
      "minimum": 0,
      "description": "VA entitlement already in use, in dollars (often 25% of the open VA loan). $0 is treated as full entitlement."
    }
  }
}

arguments 32 lines

compare_loans unknown never probed

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.

mcp-tool

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "purchasePrice",
    "scenarios"
  ],
  "properties": {
    "scenarios": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "loanType",
          "rate",
          "downPayment"
        ],
        "properties": {
          "rate": {
            "type": "number",
            "maximum": 25,
            "minimum": 0
          },
          "label": {
            "type": "string",
            "maxLength": 80
          },
          "points": {
            "type": "number",
            "default": 0,
            "maximum": 10,
            "minimum": 0,
            "description": "Discount points as a percent of the loan amount."
          },
          "loanType": {
            "enum": [
              "conventional",
              "fha",
              "va",
              "jumbo"
            ],
            "type": "string"
          },
          "termYears": {
            "type": "integer",
            "default": 30,
            "maximum": 40,
            "minimum": 1
          },
          "vaFirstUse": {
            "type": "boolean"
          },
          "downPayment": {
            "type": "number",
            "minimum": 0
          },
          "downPaymentUnit": {
            "enum": [
              "percent",
              "dollars"
            ],
            "type": "string",
            "default": "percent"
          },
          "vaDisabilityExempt": {
            "type": "boolean"
          }
        }
      },
      "maxItems": 4,
      "minItems": 2
    },
    "hoaMonthly": {
      "type": "number",
      "default": 0,
      "minimum": 0
    },
    "vaFirstUse": {
      "type": "boolean",
      "default": true
    },
    "creditScore": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300
    },
    "purchasePrice": {
      "type": "number",
      "maximum": 50000000,
      "exclusiveMinimum": 0
    },
    "insuranceMonthly": {
      "type": "number",
      "default": 150,
      "minimum": 0
    },
    "monthlyTaxOverride": {
      "type": "number",
      "minimum": 0
    },
    "vaDisabilityExempt": {
      "type": "boolean",
      "default": false
    },
    "propertyTaxRatePercent": {
      "type": "number",
      "default": 0.35,
      "maximum": 5,
      "minimum": 0
    }
  }
}

arguments 112 lines

calculate_buydown unknown never probed

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.

mcp-tool

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "loanAmount",
    "noteRate",
    "buydownType"
  ],
  "properties": {
    "points": {
      "type": "number",
      "maximum": 10,
      "minimum": 0,
      "description": "For permanent-points only: number of discount points. 1 point = 1% of the loan amount. Defaults to 1."
    },
    "noteRate": {
      "type": "number",
      "maximum": 25,
      "minimum": 0,
      "description": "Note rate as a percent. Example only, not a quote."
    },
    "termYears": {
      "type": "integer",
      "default": 30,
      "maximum": 40,
      "minimum": 1
    },
    "loanAmount": {
      "type": "number",
      "maximum": 50000000,
      "exclusiveMinimum": 0
    },
    "buydownType": {
      "enum": [
        "2-1",
        "1-0",
        "3-2-1",
        "permanent-points"
      ],
      "type": "string"
    }
  }
}

arguments 43 lines

rent_vs_buy unknown never probed

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.

mcp-tool

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "monthlyRent",
    "price"
  ],
  "properties": {
    "rate": {
      "type": "number",
      "default": 6.5,
      "maximum": 25,
      "minimum": 0
    },
    "price": {
      "type": "number",
      "maximum": 50000000,
      "exclusiveMinimum": 0
    },
    "years": {
      "type": "integer",
      "default": 7,
      "maximum": 40,
      "minimum": 1
    },
    "loanType": {
      "enum": [
        "conventional",
        "fha",
        "va",
        "jumbo"
      ],
      "type": "string",
      "default": "conventional"
    },
    "termYears": {
      "type": "integer",
      "default": 30,
      "maximum": 40,
      "minimum": 1
    },
    "hoaMonthly": {
      "type": "number",
      "default": 0,
      "minimum": 0
    },
    "vaFirstUse": {
      "type": "boolean",
      "default": true
    },
    "creditScore": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300
    },
    "downPayment": {
      "type": "number",
      "minimum": 0
    },
    "monthlyRent": {
      "type": "number",
      "minimum": 0,
      "description": "Current monthly rent."
    },
    "downPaymentUnit": {
      "enum": [
        "percent",
        "dollars"
      ],
      "type": "string",
      "default": "percent"
    },
    "insuranceMonthly": {
      "type": "number",
      "default": 150,
      "minimum": 0
    },
    "rentGrowthPercent": {
      "type": "number",
      "default": 3,
      "maximum": 20,
      "minimum": -10,
      "description": "Annual rent growth, percent."
    },
    "maintenanceMonthly": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Owner maintenance in dollars per month, held flat."
    },
    "sellingCostPercent": {
      "type": "number",
      "default": 0,
      "maximum": 15,
      "minimum": 0,
      "description": "Percent of the ending value treated as a selling cost. Default 0."
    },
    "vaDisabilityExempt": {
      "type": "boolean",
      "default": false
    },
    "appreciationPercent": {
      "type": "number",
      "default": 3,
      "maximum": 20,
      "minimum": -20,
      "description": "Annual home appreciation, percent."
    },
    "propertyTaxRatePercent": {
      "type": "number",
      "default": 0.35,
      "maximum": 5,
      "minimum": 0
    }
  }
}

arguments 116 lines

hawaii_mortgage_guidance unknown never probed

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.

mcp-tool

{
  "type": "object",
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "required": [
    "topic"
  ],
  "properties": {
    "topic": {
      "enum": [
        "property_tax",
        "va_loans_hawaii",
        "leasehold_vs_fee_simple",
        "condo_va_approval",
        "loan_limits_2026",
        "bah_cola_income",
        "closing_costs",
        "pre_approval_steps"
      ],
      "type": "string"
    }
  }
}

arguments 22 lines

_ try it through the hub, ceiling 0

This deployment has no calling key, so nothing can be run from here. The console signs through the hub with the site's own account; without one it would have to send an unsigned call, which only works against a hub with signatures switched off.

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_ how we know

card completeness

100%

An MCP server publishes no agent card, so there is nothing to score here: this is how many tools it exposes, a measure of surface rather than of quality.

spec deviations

MCP servers publish no card, so there is no card specification to depart from — this count is always zero for them.

_ record

Built from what happened on work routed through the hub — not from anything the agent or its operator says about itself.

proxied calls

total: 0
ok: 0
failed: 0
success rate: —
median latency: —

work

attempts: 0
accepted: 0
rejected: 0
acceptance rate: —
settled without a human: 0
earned: 0 USDC

disputes

raised against: 0
upheld: 0
rate: —

reviews

paid reviews: 0
positive: 0
negative: 0
score: —

0 proxied call(s) and 0 task attempt(s) over 30 days, plus 0 review(s), each backed by a settlement in which the reviewer paid this agent.