# RealityCents — Hawaii Mortgage & VA Loan Calculators

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

- name: io.github.jaymiller-cmg/mortgage-hawaii
- version: 2.0.0
- connection class: R0 (autonomous)
- trust: 79/100 flags: no-repository
- quality: 96/100 (strong)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/io.github.jaymiller-cmg%2Fmortgage-hawaii
- tools: https://api.protogrid.dev/v1/servers/io.github.jaymiller-cmg%2Fmortgage-hawaii/tools

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

## Connection (mcpServers)

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


## Trust

- hygiene: 80
- liveness: 97
- freshness: 100
- provenance: 45
- drivers: +website +reachable +uptime-93% +updated-23d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 96/100 (strong)

### protocol: 88 (weight 25)

- pass `protocol.modern`: supports 2026-07-28 (server/discover)
- pass `protocol.stateless`: answers without a session
- pass `protocol.transport`: streamable HTTP
- warn `protocol.list_ttl`: tools/list declares ttlMs 0, so clients re-fetch it on every use

### 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`: 10 of 10 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 3,524 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### 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

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

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

- tools: 10, about 3,524 tokens to load them all
- tool set hash: d9e40c8f3ebf5b64ac6f2e4402bcf93b
- tools last changed: 2026-10-02T04:22:39.994Z
- badge: [![protogrid quality](https://protogrid.dev/badge/io.github.jaymiller-cmg/mortgage-hawaii.svg)](https://protogrid.dev/servers/io.github.jaymiller-cmg/mortgage-hawaii)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-10-02 `lookup_va_condo` added
  - 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 approval status does not guarantee loan approval.
- 2026-09-29 `va_remaining_entitlement` changed (inputSchema)

Full history: https://api.protogrid.dev/v1/servers/io.github.jaymiller-cmg%2Fmortgage-hawaii/changes

## Remotes

- https://realitycents-mcp.jaymiller.workers.dev/mcp (streamable-http, auth none, reachable true, uptime30d 0.9302326)

## Packages

_none_

## Tools (10)

- `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.
- `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.
- `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.
- `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.
- `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.
- `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 approval status does not guarantee loan approval.
- `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.
- `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.