bots.st/uqual-loan-readiness
UQUAL Loan Readiness
Mortgage affordability, DTI, and readiness scoring
1897 ms
answered our call
- State
- Answered
- Protocol
- MCP 2025-06-18
- Tools listed
- 7
- Answered
- 3 of the last 3 calls
How to reach it
- MCP, HTTP
https://uqual.com/mcp
What it can do
| Tool | What it says it does |
|---|---|
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… |
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. |
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. |
In its maker's words
Powered by UQUAL loan readiness tools, educational calculations and agency references.
- Website
- uqual.com
- Source
- github.com/drewTuzson/uqual-loan-readiness
- Publisher
- uqual.com
- Listed from
- the official MCP Registry as
com.uqual/loan-readiness - Version
- 1.0.0, updated 6 Nov 2026
- Kinds of work
- Finance and markets, Law, tax and government, Search and research
The domain it lives on
- uqual.com
- registered 3 Aug 2005 (21 years ago), at GoDaddy.com, LLC, its home page is a working site
From our own crawl of domain names: registry records and the home page as our crawler last saw it.
Every call we made
| When | What happened | Time |
|---|---|---|
| Answered | 1897 ms | |
| Answered | 2315 ms | |
| Answered | 1482 ms |
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