RealityCents — Hawaii Mortgage & VA Loan Calculators

io.github.jaymiller-cmg/mortgage-hawaii

Exposes five tools for querying Jay Miller's Honolulu mortgage knowledge base: advisor profile with NMLS credentials, loan program details (VA, FHA, conventional, jumbo), 2026 Hawaii loan limits and market data, Hawaii-specific guidance on condo warrantability and leasehold properties, and a searchable FAQ. Built to run on Cloudflare Workers with streamable HTTP transport, so any MCP client can connect directly without stdio proxying. The knowledge base lives in a single TypeScript file you can edit and redeploy in seconds. Useful if you're building an AI agent that needs to answer Hawaii mortgage questions with attributed expertise, or if you want to see how a loan officer can make domain knowledge globally queryable.

tools: 10
transport: HTTP
last updated: Sep 28, 2026

Open website

Install

From registry metadata

$ npx add-mcp https://realitycents-mcp.jaymiller.workers.dev/mcp --name mortgage-hawaii

Run in your terminal. add-mcp asks which agents to add it to (Claude Code, Codex, Cursor and more). Add -g to install it for every project.

Review the command, arguments and environment values before installing. MCP servers run with your local permissions.

Other ways

Claude Code

$ claude mcp add --transport http mortgage-hawaii https://realitycents-mcp.jaymiller.workers.dev/mcp

Run in your terminal. Add --scope user to make it available in every project.

Tools

Verified live · 10 tools

Verified live against the running server on Nov 6, 2026.

calculate_mortgage_paymentEstimate PITI for a Hawaii purchase: principal and interest, property tax, insurance, HOA, and PMI, FHA MIP, or a financed VA funding fee. Read-only. Do not send a name, email, phone, SSN, or street address. Rates are examples, not quotes.14 params

Estimate PITI for a Hawaii purchase: principal and interest, property tax, insurance, HOA, and PMI, FHA MIP, or a financed VA funding fee. Read-only. Do not send a name, email, phone, SSN, or street address. Rates are examples, not quotes.

Parameters* required

creditScoreinteger

Optional FICO for conventional PMI. Omit it to use LTV-only PMI tiers. Do not send a name or SSN.

downPaymentnumber

Down payment. Defaults: VA 0%, FHA 3.5%, conventional 5%, jumbo 10% when downPaymentUnit is percent.

downPaymentUnitstring

one of percent · dollarsdefault: percent

hoaMonthlynumber

HOA or maintenance fee in dollars per month.default: 0

insuranceMonthlynumber

Homeowner's insurance in dollars per month. Default $150 is a planning placeholder, not a quote.default: 150

loanTypestring

one of conventional · fha · va · jumbodefault: conventional

monthlyTaxOverridenumber

Monthly property tax in dollars. A value above 0 replaces the tax-rate calculation.

pointsPercentnumber

Discount points as a percent of the total loan. Affects cash to close, not the note rate.default: 0

price*number

Purchase price in dollars.

propertyTaxRatePercentnumber

Annual property tax as a percent of price. Default 0.35 is Honolulu County residential.default: 0.35

ratenumber

Annual note rate as a percent. Default 6.5 is an example, not a quote.default: 6.5

termYearsinteger

Amortizing term in years.default: 30

vaDisabilityExemptboolean

True if the borrower is exempt from the VA funding fee.default: false

vaFirstUseboolean

VA funding fee: true = first use. Ignored for other loan types.default: true

calculate_affordabilityEstimate a maximum purchase price from gross monthly income, monthly debts, and a DTI target (default 45 for VA and FHA, 41 for conventional and jumbo). Returns the payment at that price. Read-only. No personal identifiers.15 params

Estimate a maximum purchase price from gross monthly income, monthly debts, and a DTI target (default 45 for VA and FHA, 41 for conventional and jumbo). Returns the payment at that price. Read-only. No personal identifiers.

Parameters* required

creditScoreinteger

Optional FICO for conventional PMI. Omit it to use LTV-only PMI tiers. Do not send a name or SSN.

downPaymentnumber

downPaymentUnitstring

one of percent · dollarsdefault: percent

dtiTargetnumber

Housing-plus-debts DTI cap as a percent. Defaults to 45 for VA and FHA, 41 for conventional and jumbo.

grossMonthlyIncome*number

Gross monthly income in dollars. Do not send a name or employer.

hoaMonthlynumber

HOA or maintenance fee in dollars per month.default: 0

insuranceMonthlynumber

Homeowner's insurance in dollars per month. Default $150 is a planning placeholder, not a quote.default: 150

loanTypestring

one of conventional · fha · va · jumbodefault: conventional

monthlyDebtsnumber

Monthly debt payments already owed (car, cards, student loans).default: 0

monthlyTaxOverridenumber

Monthly property tax in dollars. A value above 0 replaces the tax-rate calculation.

propertyTaxRatePercentnumber

Annual property tax as a percent of price. Default 0.35 is Honolulu County residential.default: 0.35

ratenumber

Annual note rate as a percent. Default 6.5 is an example, not a quote.default: 6.5

termYearsinteger

Amortizing term in years.default: 30

vaDisabilityExemptboolean

True if the borrower is exempt from the VA funding fee.default: false

vaFirstUseboolean

VA funding fee: true = first use. Ignored for other loan types.default: true

va_purchase_powerEstimate Honolulu County military income (base pay, BAH, BAS, COLA) and a VA purchase price from pay grade, years of service, and dependents. Uses the RealityCents 2026 pay tables. Read-only. Do not send a name or SSN.13 params

Estimate Honolulu County military income (base pay, BAH, BAS, COLA) and a VA purchase price from pay grade, years of service, and dependents. Uses the RealityCents 2026 pay tables. Read-only. Do not send a name or SSN.

Parameters* required

dependentsinteger

Dependent count. More than zero uses the with-dependents BAH rate. COLA uses this count.default: 0

downPaymentnumber

Down payment in dollars. Default $0.default: 0

hoaMonthlynumber

default: 0

insuranceMonthlynumber

default: 150

maxDtinumber

Planning DTI used by the RealityCents Military Buying Power calculator. Not a VA approval cap.default: 55

monthlyTaxOverridenumber

otherDebtsnumber

Other monthly debt payments.default: 0

payGrade*string

Military pay grade. BAH is Honolulu County (HI408) 2026.one of E-1 · E-2 · E-3 · E-4 · E-5 · E-6

propertyTaxRatePercentnumber

default: 0.35

ratenumber

Example annual rate passed into the site purchase-power solver. Not a quote.default: 6.5

vaDisabilityExemptboolean

default: false

vaFirstUseboolean

default: true

yearsOfServicenumber

default: 0

va_remaining_entitlementFor a Hawaii county, compute remaining VA entitlement, the max $0-down loan, and the 25% down payment on any amount above that. $0 already in use is treated as full entitlement (no county cap). Read-only.3 params

For a Hawaii county, compute remaining VA entitlement, the max $0-down loan, and the 25% down payment on any amount above that. $0 already in use is treated as full entitlement (no county cap). Read-only.

Parameters* required

county*string

Hawaii county for the 2026 FHFA one-unit conforming limit.one of honolulu · maui · kalawao · kauai · hawaii

entitlementAlreadyInUse*number

VA entitlement already in use, in dollars, based on the original loan amount of any VA loan not yet restored (generally 25% of that original amount); your COE shows the exact figure. $0 is treated...

purchasePrice*number

compare_loansCompare 2 to 4 loan scenarios (type, rate, down payment, term, discount points) on one purchase price. Returns payment, an illustrative cash-to-close, and total interest. Read-only. Rates are examples.9 params

Compare 2 to 4 loan scenarios (type, rate, down payment, term, discount points) on one purchase price. Returns payment, an illustrative cash-to-close, and total interest. Read-only. Rates are examples.

Parameters* required

creditScoreinteger

hoaMonthlynumber

default: 0

insuranceMonthlynumber

default: 150

monthlyTaxOverridenumber

propertyTaxRatePercentnumber

default: 0.35

purchasePrice*number

scenarios*array

vaDisabilityExemptboolean

default: false

vaFirstUseboolean

default: true

calculate_buydownYear-by-year principal-and-interest and subsidy cost for a 2-1, 1-0, or 3-2-1 temporary buydown, or the upfront cost of permanent discount points. Read-only. The note rate is an example, not a quote.5 params

Year-by-year principal-and-interest and subsidy cost for a 2-1, 1-0, or 3-2-1 temporary buydown, or the upfront cost of permanent discount points. Read-only. The note rate is an example, not a quote.

Parameters* required

buydownType*string

one of 2-1 · 1-0 · 3-2-1 · permanent-points

loanAmount*number

noteRate*number

Note rate as a percent. Example only, not a quote.

pointsnumber

For permanent-points only: number of discount points. 1 point = 1% of the loan amount. Defaults to 1.

termYearsinteger

default: 30

rent_vs_buyCompare cumulative rent with the net cost of buying over a holding period, using Honolulu's 0.35% tax default unless you override it. Read-only. Not a price or rent forecast.18 params

Compare cumulative rent with the net cost of buying over a holding period, using Honolulu's 0.35% tax default unless you override it. Read-only. Not a price or rent forecast.

Parameters* required

appreciationPercentnumber

Annual home appreciation, percent.default: 3

creditScoreinteger

downPaymentnumber

downPaymentUnitstring

one of percent · dollarsdefault: percent

hoaMonthlynumber

default: 0

insuranceMonthlynumber

default: 150

loanTypestring

one of conventional · fha · va · jumbodefault: conventional

maintenanceMonthlynumber

Owner maintenance in dollars per month, held flat.default: 0

monthlyRent*number

Current monthly rent.

price*number

propertyTaxRatePercentnumber

default: 0.35

ratenumber

default: 6.5

rentGrowthPercentnumber

Annual rent growth, percent.default: 3

sellingCostPercentnumber

Percent of the ending value treated as a selling cost. Default 0.default: 0

termYearsinteger

default: 30

vaDisabilityExemptboolean

default: false

vaFirstUseboolean

default: true

yearsinteger

default: 7

hawaii_mortgage_guidanceConcise factual notes on Hawaii property tax, VA loans, leasehold versus fee simple, VA condo approval, 2026 loan limits, BAH/COLA, closing costs, or pre-approval steps. Drawn from RealityCents articles. No rate quotes. Read-only.1 params

Concise factual notes on Hawaii property tax, VA loans, leasehold versus fee simple, VA condo approval, 2026 loan limits, BAH/COLA, closing costs, or pre-approval steps. Drawn from RealityCents articles. No rate quotes. Read-only.

Parameters* required

topic*string

one of property_tax · va_loans_hawaii · leasehold_vs_fee_simple · condo_va_approval · loan_limits_2026 · bah_cola_income

lookup_va_condoCheck whether an Oahu condo project is on the VA's accepted condo list, by project name (fuzzy), building address, or VA condo ID. Returns status, VA ID, the data date, and the VA's official lookup link to verify. Oahu only for now. Read-only. Do not send a unit number or pers...2 params

Check whether an Oahu condo project is on the VA's accepted condo list, by project name (fuzzy), building address, or VA condo ID. Returns status, VA ID, the data date, and the VA's official lookup link to verify. Oahu only for now. Read-only. Do not send a unit number or pers...

Parameters* required

limitinteger

Maximum matches to return. Default 5.default: 5

query*string

Condo project name (fuzzy, okina and spelling variations OK), building street address, or VA condo ID such as 002372. Do not send a unit number, a person's name, or other personal information.

get_preapproval_linkReturn Jay Miller's public CMG Home Loans application link and published business contact. Does not ask for or store personal information.

Return Jay Miller's public CMG Home Loans application link and published business contact. Does not ask for or store personal information.

No parameters. Call it with no arguments.

Details

Website: realitycents.com
Category: Data & Analytics
Transport: HTTP
Registry: MCP registry, active
Tools verified: Nov 6, 2026

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RealityCents — Hawaii Mortgage & VA Loan Calculators

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