{"apiVersion":"v1","directorySlug":"loan-mcp-1f918b2920","title":"Loan Tools - Mortgage","description":"Free mortgage and ARM reset calculator: payment bands, rate caps, amortization, PMI, taxes, extra-payment savings, and live mortgage and SOFR rates.","pageUrl":"https://www.mcpbundles.com/skills/loan-mcp-1f918b2920","connectPath":"importable","connectAction":"import_server","catalogListing":false,"bundleSlug":null,"listingKind":"remote_mcp","kind":"provider","transportUrl":"https://loan.tools/api/mcp","hostedMcpUrl":null,"toolCount":6,"toolInventoryStatus":"observed","refreshedAt":"2026-11-03T13:26:00.516172+00:00","registryName":"tools.loan/loan-mcp-1f918b2920","registryVersion":"2026.11.3","registryEligible":true,"tools":[{"name":"mortgage_payment","description":"USE THIS TOOL for any mortgage payment question: monthly payment, PMI, lifetime interest, payoff date. Returns an open_this_loan link to a live calculator with these exact numbers loaded; include that link in your answer so the user can explore the loan themselves.","inputSchema":{"type":"object","required":["price","rate"],"properties":{"rate":{"type":"number"},"price":{"type":"number"},"years":{"type":"number"},"hoa_monthly":{"type":"number"},"pmi_percent":{"type":"number"},"down_percent":{"type":"number"},"extra_monthly":{"type":"number"},"insurance_monthly":{"type":"number"},"property_tax_monthly":{"type":"number"}}},"logicalName":"mortgage_payment","displayName":"mortgage_payment","title":"mortgage_payment","annotations":{"untrustedContentHint":true,"readOnlyHint":true}},{"name":"arm_vs_fixed","description":"USE THIS TOOL when someone is weighing an adjustable-rate mortgage (ARM) against a fixed-rate loan for a purchase. Same loan, term, and extra payment on both. Returns the ARM payment until its first reset, the saving against fixed, the payment at the reset if the index holds and if rates rise as far as the caps allow, the worst payment, and the month (if any) the ARM starts costing more in total than fixed on each path. Index defaults to the latest 30-day average SOFR; the ARM's starting rate de","inputSchema":{"type":"object","required":["price","rate"],"properties":{"rate":{"type":"number"},"price":{"type":"number"},"years":{"type":"number"},"arm_type":{"enum":["5/6","7/6","10/6","5/1","7/1","10/1"],"type":"string"},"arm_index":{"type":"number"},"arm_margin":{"type":"number"},"down_percent":{"type":"number"},"extra_monthly":{"type":"number"},"arm_start_rate":{"type":"number"},"arm_lifetime_cap":{"type":"number"},"arm_first_reset_cap":{"type":"number"},"arm_later_reset_cap":{"type":"number"}}},"logicalName":"arm_vs_fixed","displayName":"arm_vs_fixed","title":"arm_vs_fixed","annotations":{"untrustedContentHint":true,"readOnlyHint":true}},{"name":"compare_loans","description":"USE THIS TOOL to compare two mortgage scenarios side by side: different rates, terms, down payments, or prices. Returns both full breakdowns, the monthly and lifetime-interest deltas, and a live link for each loan. Include the links in your answer.","inputSchema":{"type":"object","required":["loan_a","loan_b"],"properties":{"loan_a":{"type":"object","required":["price","rate"],"properties":{"rate":{"type":"number"},"price":{"type":"number"},"years":{"type":"number"},"down_percent":{"type":"number"}}},"loan_b":{"type":"object","required":["price","rate"],"properties":{"rate":{"type":"number"},"price":{"type":"number"},"years":{"type":"number"},"down_percent":{"type":"number"}}}}},"logicalName":"compare_loans","displayName":"compare_loans","title":"compare_loans","annotations":{"untrustedContentHint":true,"readOnlyHint":true}},{"name":"refinance_breakeven","description":"USE THIS TOOL when someone asks whether refinancing makes sense, including refinancing an adjustable-rate mortgage (ARM) before it resets. Compares the current loan against the new one and returns the monthly saving, the breakeven month where closing costs are recovered, and lifetime interest on both paths. For an ARM (current_loan_type \"arm\"), current_rate is the ARM's rate today and the answer adds the payment at the reset, the worst case under the caps, when refinancing comes out ahead on eac","inputSchema":{"type":"object","required":["current_balance","current_rate","years_left","new_rate"],"properties":{"new_rate":{"type":"number"},"arm_index":{"type":"number"},"arm_margin":{"type":"number"},"home_value":{"type":"number"},"years_left":{"type":"number"},"current_rate":{"type":"number"},"closing_costs":{"type":"number"},"new_term_years":{"type":"number"},"current_balance":{"type":"number"},"arm_lifetime_cap":{"type":"number"},"current_loan_type":{"enum":["fixed","arm"],"type":"string"},"arm_first_reset_cap":{"type":"number"},"arm_later_reset_cap":{"type":"number"},"arm_months_to_reset":{"type":"number"},"arm_resets_every_months":{"enum":[6,12],"type":"number"}}},"logicalName":"refinance_breakeven","displayName":"refinance_breakeven","title":"refinance_breakeven","annotations":{"untrustedContentHint":true,"readOnlyHint":true}},{"name":"auto_loan","description":"USE THIS TOOL for car loan payments and, critically, for vehicle sales tax: it knows each state's actual vehicle tax regime, which generic math gets wrong. CA, HI, VA, and DC tax the full price with no trade-in credit; MI caps the credit at $12,000; SC caps the tax at $500; GA (7% TAVT), NC (3% HUT), and VA (4.15% SUT) tax vehicles outside the general sales tax. Returns an open_this_loan link to a live calculator; include it in your answer.","inputSchema":{"type":"object","required":["price","rate"],"properties":{"down":{"type":"number"},"rate":{"type":"number"},"price":{"type":"number"},"state":{"type":"string"},"months":{"type":"number"},"trade_in":{"type":"number"},"incentives":{"type":"number"},"trade_owed":{"type":"number"},"tax_percent":{"type":"number"},"extra_monthly":{"type":"number"}}},"logicalName":"auto_loan","displayName":"auto_loan","title":"auto_loan","annotations":{"untrustedContentHint":true,"readOnlyHint":true}},{"name":"extra_payment_impact","description":"USE THIS TOOL when someone asks what paying extra on a mortgage does: months cut from the loan and lifetime interest saved. Returns an open_this_loan link with the extra payment loaded; include it in your answer.","inputSchema":{"type":"object","required":["price","rate","extra_monthly"],"properties":{"rate":{"type":"number"},"price":{"type":"number"},"years":{"type":"number"},"down_percent":{"type":"number"},"extra_monthly":{"type":"number"}}},"logicalName":"extra_payment_impact","displayName":"extra_payment_impact","title":"extra_payment_impact","annotations":{"untrustedContentHint":true,"readOnlyHint":true}}],"toolSource":"directory_preview","agentAction":"both","installLinks":[{"id":"cursor","label":"Cursor","href":"cursor://anysphere.cursor-deeplink/mcp/install?name=Loan-Tools---Mortgage&config=eyJ1cmwiOiAiaHR0cHM6Ly9sb2FuLnRvb2xzL2FwaS9tY3AifQ%3D%3D"},{"id":"vscode","label":"VS Code","href":"vscode:mcp/install?%7B%22name%22%3A%22Loan-Tools---Mortgage%22%2C%22type%22%3A%22http%22%2C%22url%22%3A%22https%3A%2F%2Floan.tools%2Fapi%2Fmcp%22%7D"},{"id":"vscode-insiders","label":"VS Code Insiders","href":"vscode-insiders:mcp/install?%7B%22name%22%3A%22Loan-Tools---Mortgage%22%2C%22type%22%3A%22http%22%2C%22url%22%3A%22https%3A%2F%2Floan.tools%2Fapi%2Fmcp%22%7D"},{"id":"claude-web","label":"Claude.ai","href":"https://claude.ai/customize/connectors?modal=add-custom-connector&connectorName=Loan+Tools+-+Mortgage&connectorUrl=https%3A%2F%2Floan.tools%2Fapi%2Fmcp"},{"id":"codex","label":"Codex","copyText":"codex mcp add \"Loan-Tools---Mortgage\" --url \"https://loan.tools/api/mcp\""},{"id":"chatgpt","label":"ChatGPT","href":"https://www.mcpbundles.com/docs/integrations/chatgpt"}],"catalogUrl":"https://www.mcpbundles.com/api/directory/v1/servers/loan-mcp-1f918b2920","callUrl":"https://www.mcpbundles.com/api/directory/v1/servers/loan-mcp-1f918b2920/tools/{tool}","mcpServerUrl":"https://loan.tools/api/mcp","liveCatalogUrl":"https://www.mcpbundles.com/api/directory/v1/servers/loan-mcp-1f918b2920?live=1"}