UQUAL Loan Readiness

com.uqual由 uqual.com 發布官方發布者v1.0.0更新於 Nov 7, 2026

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

已驗證Streamable HTTP可網頁執行金融資料與分析

概覽

AI 產生的概覽

UQUAL Loan Readiness 提供房貸教育性計算工具，涵蓋 DTI、可負擔能力、FHA 與傳統貸款成本比較、頭期款補助和債務償還。

可以做什麼
  • 計算房貸 DTI 比率、學生貸款機構估算規則與最高允許月債務
  • 估算可負擔購屋價格、PITI 與 MIP/PMI/HOA 明細及交割所需現金
  • 比較 FHA 與傳統貸款的五年、十年總成本及信用分數交叉點
  • 查詢州住房金融機構頭期款補助資格與預估金額
  • 模擬雪崩法、雪球法與 DTI 優先的債務償還策略
  • 依四大支柱評估貸款準備度分數，並在使用者同意後轉交顧問審閱
適用情境
適合潛在購屋者在與貸款機構接觸前，了解信用分數、債務和頭期款如何影響房貸資格，或比較不同貸款方案與還款策略時使用。
執行需求
遠端 Streamable HTTP 端點；未宣告需要身分驗證、API 金鑰或環境變數。計算工具只需輸入數值情境資料。
安裝前請注意
輸出僅為教育性計算，不是信用查詢、貸款估算或核貸決定。審閱工具會將借款人聯絡資料傳送給 UQUAL，僅應在使用者明確同意後呼叫。結果帶有 UQUAL 署名與深層連結，伺服器要求保留。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 UQUAL Loan Readiness，將其新增到工作區。
  2. 為需要使用其工具的對話啟用該服務。

Web executable，透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式，或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南，先向你展示發布者、端點和登入方式，經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/com.uqual%2Floan-readiness/install.md，並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前，先告訴我它的發布者、端點和登入方式，等我確認。不要把 API 金鑰寫進命令或我會提交的檔案；問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。

{
  "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

來源：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.

輸入參數hoaOrMudDuespropertyTaxesautoLoanPaymentsotherMonthlyDebtestimatedPmiOrMipcreditCardMinimumsgrossMonthlyIncome必填studentLoanBalancedebtBalanceToPayOffhomeownersInsurancestudentLoanPlanTypeavailableLumpSumCash另有 7 個

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.

輸入參數dtiModemonthlyHoacreditScore必填liquidSavings必填loanTermYearsreserveMonthsclosingCostPctinterestRatePctselectedProgrammonthlyInsurancegrossMonthlyIncome必填propertyTaxRatePct另有 3 個

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.

輸入參數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).

輸入參數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.

輸入參數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.

輸入參數vaEligibletargetProgramliquidAssetsUsd必填targetHomePrice必填dpaAssistanceUsdemploymentMonthscreditMiddleScore必填usdaRuralEligiblegrossMonthlyIncome必填documentsReadyCountmonthlyNonHousingDebt必填plannedDownPaymentPct另有 5 個

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.

輸入參數nameemailphonestatedryRungoalSummarypillarScoresreadinessTierreadinessScoreprimaryBottleneckexplicitUserConsent必填

版本歷史

1
  1. v1.0.0最新Nov 7, 2026

評分

已滿足適用檢查項的 100%

該評分衡量此收錄條目的完整程度，依據註冊中心條目、端點與公開來源計算得出。它不是對伺服器本身的評價，也不表示伺服器安全或目前可用：可連通性是帶日期的檢查結果，評分也不包含安裝量或使用者評價。

  • 近 30 天內可連通必需25 分
  • 已宣告認證方式必需10 分
  • 已列出工具必需15 分
  • 描述必需15 分
  • 圖示10 分
  • 文件15 分
  • 授權條款10 分