Clara Mortgage Assistant

Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.

CommunityOnlineNo sign-inGlobalFreeRead-only

What it can do

    What data it sees

    Do you need an account

    No: the server works without sign-in

    Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.

    How to connect

    How to connect Clara Mortgage Assistant to Claude

    The server address to paste into Claude settings:

    https://mcp.claratech.ai/mcp

    1. Open Claude (claude.ai or the desktop app).
    2. Go to Settings → Connectors.
    3. Click Add custom connector.
    4. Paste the server address copied below into Remote MCP server URL and click Add.
    5. In a chat, click + → Connectors and switch the new connector on.

    Custom connectors are available on Free, Pro, Max, Team and Enterprise plans (Free is limited to one). On Team and Enterprise an organization Owner adds the connector first under Organization settings → Connectors.

    Authorization

    After you click Add, a sign-in window for the service opens. Sign in with your own account and approve access. Claude never sees your password.

    How to connect Clara Mortgage Assistant to ChatGPT

    The server address to paste into ChatGPT settings:

    https://mcp.claratech.ai/mcp

    1. Open ChatGPT in a browser (chatgpt.com). A Plus, Pro, Business, Enterprise or Edu plan is required.
    2. Turn on developer mode once: Settings → Apps → Advanced settings → Developer mode.
    3. Open Settings → Connectors and click Create.
    4. Fill in the form: Name (anything), Description (one line about what the service does), MCP server URL (copy it below).
    5. Under Authentication choose OAuth if the service requires sign-in, otherwise None. Click Create.
    6. In a new chat open + → Apps/Connectors and enable the connector.

    OpenAI has renamed this section before (Connectors → Apps/Plugins). If the label differs, search settings for "developer mode". On Business/Enterprise workspaces an admin must allow custom connectors first.

    Authorization

    On first use ChatGPT opens the service's sign-in window. Sign in and approve access.

    How to connect Clara Mortgage Assistant to Cursor

    The server address to paste into Cursor settings:

    https://mcp.claratech.ai/mcp

    Fastest: click Open in Cursor below and confirm the prompt.

    Manually:

    1. In Cursor open Settings → Cursor Settings → MCP and click Add new global MCP server.
    2. Paste the JSON copied below into ~/.cursor/mcp.json (per project: .cursor/mcp.json in the repo root).
    3. Save the file. The server appears in the MCP list; authorize it there if asked.

    Authorization

    If the service needs sign-in, an authorize button appears next to the server in the MCP list.

    Server tool list (6)

    Raw names from tools/list. Only developers need these.

    refuse_unsupported_mortgage_requestMUST be called whenever the user asks whether a borrower should be approved, denied, pre-approved, conditionally approved, underwritten, or assessed for suitability. Also call it for lender or product recommendations, borrower documents or accounts, current rates or rules, submissions, outreach, or anything outside Clara Mortgage Assistant calculations. This tool returns the required deterministic refusal. Send only the matching requestType category—never include the original prompt, names, identifiers, document content, or other user data. Do not answer these requests directly.
    compare_mortgage_scenariosCompare up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
    calculate_qualificationCalculate the B-20 qualifying rate, qualifying payment, and resulting GDS/TDS from a supplied principal, contract rate, amortization, and income. Use this tool only when the qualifying payment must be calculated from those inputs. If the user already supplies a monthly mortgage payment and asks for GDS/TDS, MUST use calculate_debt_service instead and must not request principal, rate, or amortization. This is neutral scenario math, not an approval or underwriting decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
    calculate_debt_serviceMUST use this tool when the user supplies a monthly mortgage payment and asks for Canadian GDS or TDS. Calculate the ratios directly from that payment, income, and monthly obligations. Do not request principal, contract rate, or amortization, and do not use calculate_qualification when the monthly payment is already supplied. Ratios are not an approval or suitability decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
    calculate_ltvCalculate Canadian loan-to-value and combined loan-to-value using purchase price, appraisal, and secured positions. Ratios are not an approval or suitability decision. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
    estimate_prepayment_penaltyEstimate three-months-interest and simple IRD prepayment penalties; lender discharge statements remain authoritative. Use only with explicit, non-identifying numeric inputs. Calculation only: never use this tool to approve, deny, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.