UQUAL Loan Readiness

com.uqual由 uqual.com 发布官方发布者v1.0.0更新于 Nov 7, 2026

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

已验证Streamable HTTP可网页运行金融数据与分析

概览

AI 生成的概览

UQUAL Loan Readiness 提供房贷教育性计算工具，涵盖 DTI、可负担能力、FHA 与常规贷款成本对比、首付援助和债务偿还。

可以做什么
  • 计算房贷 DTI 比率、学生贷款机构估算规则与最高允许月债务
  • 估算可负担购房价格、PITI 与 MIP/PMI/HOA 明细及交割所需现金
  • 比较 FHA 与常规贷款的五年、十年总成本及信用分临界点
  • 查询州住房金融机构首付援助资格与预估金额
  • 模拟雪崩法、雪球法与 DTI 优先的债务偿还策略
  • 按四大支柱评估贷款准备度评分，并在用户同意后转交顾问审核
适用场景
适合潜在购房者在与贷款机构接触前，了解信用分、债务和首付如何影响房贷资格，或比较不同贷款项目与还款策略时使用。
运行要求
远程 Streamable HTTP 端点；未声明需要身份验证、API 密钥或环境变量。计算工具只需输入数值场景数据。
安装前请注意
输出仅为教育性计算，不是信用查询、贷款估算或承保决定。审核工具会把借款人联系方式发送给 UQUAL，仅在用户明确同意后调用。结果带有 UQUAL 署名和深度链接，服务器要求保留。

安装

在 SourceWeft 中

  1. 打开 控制台中的 UQUAL Loan Readiness，将其添加到工作区。
  2. 为需要使用其工具的对话启用该服务。

Web executable，通过 Streamable HTTP。 远程服务在工作区中配置后即可从网页运行时运行。

交给智能体安装

把这段提示词粘贴到 Claude Code、Codex、Cursor 等智能体，或 SourceWeft 对话中。智能体会读取该服务器的安装指南，先向你展示发布者、端点和登录方式，经你同意后再把它添加到你的客户端。密钥不会写进任何命令。

阅读 https://sourceweft.com/mcp/com.uqual%2Floan-readiness/install.md，并按其中说明把这个 MCP 服务器接入我的客户端。修改任何配置之前，先告诉我它的发布者、端点和登录方式，等我确认。不要把 API 密钥写进命令或我会提交的文件；问我密钥应从哪里获取。

查看智能体所依据的安装指南

其他 MCP 客户端

把它添加到你客户端的 mcpServers 配置中。

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

README

UQUAL Loan Readiness Plugin (Universal 2026 Package)

UQUAL is a loan readiness platform that helps prospective homebuyers optimize credit, debt-to-income (DTI), and down payment readiness. UQUAL is not a traditional credit repair company and is not a licensed mortgage lender.

Educational loan readiness calculation only. This output does not pull credit, is not a credit repair service, and is not a mortgage loan commitment, Loan Estimate, or lender underwriting approval.

Included Capabilities (Zero Authentication Required)

  • Calculate Mortgage DTI & Agency Limits (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...
  • Calculate Mortgage Affordability & Purchasing Power (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.
  • Compare FHA vs Conventional Mortgage Cost & Crossover (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.
  • Check State HFA Down Payment Assistance Eligibility (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).
  • Simulate Debt Payoff (Avalanche vs Snowball vs DTI-First) (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.
  • Evaluate 4-Pillar Loan Readiness Score 2.0 (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 1-on-1 Loan Readiness Coach Review (Opt-In) (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.

Supported Marketplaces & Transports

  • OpenAI ChatGPT Plugin Directory (Finance): Agent Plugins 1.0.0 plugin.json + remote Streamable HTTP MCP (https://uqual.com/mcp).
  • Anthropic Claude Directory (Finance): .claude-plugin/plugin.json + .mcp.json (https://uqual.com/mcp).
  • xAI Grok Marketplace (finance): plugin.json + .grok-plugin/marketplace-entry.json.
  • Google Gemini CLI Extensions: gemini extensions install https://github.com/drewTuzson/uqual-loan-readiness (gemini-extension.json + GEMINI.md + skills/uqual-loan-readiness/SKILL.md).
  • Official MCP Registry: com.uqual/loan-readiness (https://uqual.com/mcp Streamable HTTP).
  • Interactive Developer Playground: https://uqual.com/plugins/playground

Privacy & Consent Policy

  • Six of the seven tools are strictly read-only deterministic calculators (readOnlyHint: true, openWorldHint: false) that process numeric scenarios without collecting personal identifiers.
  • request_uqual_loan_readiness_review (readOnlyHint: false, openWorldHint: true) requires explicitUserConsent: true and valid borrower contact details before sending a consultation request to UQUAL.
  • Privacy Policy: https://uqual.com/privacy
  • Terms of Service: https://uqual.com/terms
  • Support: https://uqual.com/contact

来源：README.md，提交 0b27a56

工具

7

calculate_mortgage_dti

Calculate Mortgage DTI & Agency Limits

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.

输入参数hoaOrMudDuespropertyTaxesautoLoanPaymentsotherMonthlyDebtestimatedPmiOrMipcreditCardMinimumsgrossMonthlyIncome必填studentLoanBalancedebtBalanceToPayOffhomeownersInsurancestudentLoanPlanTypeavailableLumpSumCash另有 7 个

calculate_mortgage_affordability

Calculate Mortgage Affordability & Purchasing Power

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.

输入参数dtiModemonthlyHoacreditScore必填liquidSavings必填loanTermYearsreserveMonthsclosingCostPctinterestRatePctselectedProgrammonthlyInsurancegrossMonthlyIncome必填propertyTaxRatePct另有 3 个

compare_fha_vs_conventional

Compare FHA vs Conventional Mortgage Cost & Crossover

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.

输入参数homePrice必填monthlyHoacreditScore必填fhaBaseRatePctconvBaseRatePctdownPaymentModeisFirstTimeBuyermonthlyInsurancegrossMonthlyIncomepropertyTaxRatePctholdingHorizonYearsmonthlyNonHousingDebt

check_down_payment_assistance

Check State HFA Down Payment Assistance Eligibility

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).

输入参数state必填homePrice必填buyerStatuscreditScore必填grossMonthlyIncome必填liquidCashAvailablesecondLienStructurefirstMortgageProgrammonthlyNonHousingDebt

simulate_debt_payoff_and_readiness

Simulate Debt Payoff (Avalanche vs Snowball vs DTI-First)

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.

输入参数debts必填agencyRulegrossMonthlyIncomeextraMonthlyPaymentlumpSumCashAvailableproposedHousingPayment

evaluate_loan_readiness_score

Evaluate 4-Pillar Loan Readiness Score 2.0

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.

输入参数vaEligibletargetProgramliquidAssetsUsd必填targetHomePrice必填dpaAssistanceUsdemploymentMonthscreditMiddleScore必填usdaRuralEligiblegrossMonthlyIncome必填documentsReadyCountmonthlyNonHousingDebt必填plannedDownPaymentPct另有 5 个

request_uqual_loan_readiness_review

Request UQUAL 1-on-1 Loan Readiness Coach Review (Opt-In)

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.

输入参数nameemailphonestatedryRungoalSummarypillarScoresreadinessTierreadinessScoreprimaryBottleneckexplicitUserConsent必填

版本历史

1
  1. v1.0.0最新Nov 7, 2026

评分

已满足适用检查项的 100%

该评分衡量此收录条目的完整程度，依据注册中心条目、端点与公开来源计算得出。它不是对服务器本身的评价，也不表示服务器安全或当前可用：可连通性是带日期的检查结果，评分也不包含安装量或用户评价。

  • 近 30 天内可连通必需25 分
  • 已声明认证方式必需10 分
  • 已列出工具必需15 分
  • 描述必需15 分
  • 图标10 分
  • 文档15 分
  • 许可证10 分