# UQUAL Loan Readiness

> Powered by UQUAL loan readiness tools, educational calculations and agency references.

- name: com.uqual/loan-readiness
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 96/100
- quality: 91/100 (strong)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/com.uqual%2Floan-readiness
- tools: https://api.protogrid.dev/v1/servers/com.uqual%2Floan-readiness/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

```json
{
  "mcpServers": {
    "loan-readiness": {
      "type": "http",
      "url": "https://uqual.com/mcp"
    }
  }
}
```


## Trust

- hygiene: 100
- liveness: 100
- freshness: 100
- provenance: 85
- drivers: +repository +dns-namespace +website +reachable +uptime-100% +updated-7d-ago
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 91/100 (strong)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 100 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 9 of 9 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 6,402 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump
- pass `tools.hidden_text`: no hidden text in tool names, descriptions, schemas or annotations

### stability: 100 (weight 15)

- pass `stability.changes`: 2 tool changes in 30 days
- pass `stability.rug_pull`: no tool changed its meaning under the same name
- pass `stability.new_links`: no tool change named a new site

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 9, about 6,402 tokens to load them all
- tool set hash: 789a74ad1510e80f704508ca5058ee27
- tools last changed: 2026-11-12T22:34:56.260Z
- badge: [![protogrid quality](https://protogrid.dev/badge/com.uqual/loan-readiness.svg)](https://protogrid.dev/servers/com.uqual/loan-readiness)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-11-12 `get_state_mortgage_readiness_rules` added
  - Retrieves verified 2026 state mortgage readiness rulebooks for Texas (TX), Florida (FL), Colorado (CO), Georgia (GA), and North Carolina (NC), including HFA down payment assistance programs, 620-640 FICO and 43%-50% DTI overlays, MUD/Metro District/Save Our Homes property tax escrows, windstorm/condo SIRS rules, and state contract closing rules.
- 2026-11-12 `calculate_vantagescore_4_impact` added
  - Models 2026 Homebuyer VantageScore 4.0 vs Classic FICO 2/4/5 and consumer app VantageScore 3.0 (24-month trended utilization, medical/paid collection exclusions, 1-month thin-file scoring, 14-day inquiry window, and State HFA overlays) plus Loan Officer 45% Equifax VantageScore 4.0 credit report cost savings and 65% fallout conversion ROI.

Full history: https://api.protogrid.dev/v1/servers/com.uqual%2Floan-readiness/changes

## Remotes

- https://uqual.com/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (9)

- `calculate_mortgage_affordability`: Computes maximum affordable home purchase price across FHA, Conventional, VA, and USDA, full PITI + MIP/PMI + HOA breakdown, required cash-to-close, and how +20/+40/+60 credit score gains or monthly debt reduction expand purchasing power.
- `calculate_mortgage_dti`: Computes front-end and back-end mortgage debt-to-income (DTI) ratios, student loan agency imputations (Fannie Mae, Freddie Mac, FHA, VA), maximum allowable monthly debt across FHA (31/43 standard, 46.99/56.99 AUS), Conventional (28/36 to 45/50 AUS), VA (41% benchmark), and USDA (29/41), plus exact monthly dollar debt reduction needed.
- `calculate_vantagescore_4_impact`: Models 2026 Homebuyer VantageScore 4.0 vs Classic FICO 2/4/5 and consumer app VantageScore 3.0 (24-month trended utilization, medical/paid collection exclusions, 1-month thin-file scoring, 14-day inquiry window, and State HFA overlays) plus Loan Officer 45% Equifax VantageScore 4.0 credit report cost savings and 65% fallout conversion ROI.
- `check_down_payment_assistance`: Evaluates eligibility and estimated assistance amounts for state HFA programs (TX TSAHC/TDHCA, FL Florida Housing/Hometown Heroes, CO CHFA, GA Georgia Dream, NC NCHFA NC Home Advantage and $15,000 NC 1st Home Advantage, plus national baseline FTHB rules).
- `compare_fha_vs_conventional`: Compares FHA (3.5% down at 580+, 1.75% UFMIP + annual MIP) against Conventional (3% first-time buyer / 5% standard down at 620+, credit-tiered PMI with 80%/78% LTV cancellation), returning 5-year and 10-year total cost and the exact credit score crossover point.
- `evaluate_loan_readiness_score`: Computes UQUAL's 4-Pillar Loan Readiness Score (0 to 100) across Credit Middle Score, DTI, Down Payment/Reserves, and Credit Hygiene/Seasoning with compensability cap diagnostics, multi-program alignment, and prioritized counterfactual action steps.
- `get_state_mortgage_readiness_rules`: Retrieves verified 2026 state mortgage readiness rulebooks for Texas (TX), Florida (FL), Colorado (CO), Georgia (GA), and North Carolina (NC), including HFA down payment assistance programs, 620-640 FICO and 43%-50% DTI overlays, MUD/Metro District/Save Our Homes property tax escrows, windstorm/condo SIRS rules, and state contract closing rules.
- `request_uqual_loan_readiness_review`: Opt-in lead handoff tool invoked ONLY when the user explicitly consents to share contact details for a personalized UQUAL Loan Readiness Coach review via uqual.com/api/seo-leads.
- `simulate_debt_payoff_and_readiness`: Simulates Avalanche vs Snowball vs UQUAL Mortgage-Readiness DTI-First payoff, targeting installment debts near <=10 remaining payments per Fannie/Freddie/FHA exclusion rules and revolving credit cards above 30% and 10% utilization thresholds.