RealityCents — Hawaii Mortgage & VA Loan Calculators
REMOTE · REALITYCENTS-MCP.JAYMILLER.WORKERS.DEV · SCANNED SEP 29
Read-only Hawaii mortgage and VA loan calculators from RealityCents.com. No personal data collected.
Available components
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security63
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement. View diagnostics → Unverified
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability52
- AI-judged instruction clarity (good).Pass
- Context-footprint check failed: tool/resource definitions use about 1792 tokens (~199/item across 9 items; 9 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management3
- Stability observed for 1 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage83
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 50% of tool parameters carry a description.Partial
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 9 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 9 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
How do I install the RealityCents — Hawaii Mortgage & VA Loan Calculators MCP server?
RealityCents — Hawaii Mortgage & VA Loan Calculators is a hosted endpoint at https://realitycents-mcp.jaymiller.workers.dev/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · realitycents-mcp.jaymiller.workers.dev
claude mcp add --transport http jaymiller-cmg-mortgage-hawaii 'https://realitycents-mcp.jaymiller.workers.dev/mcp'
{
"mcpServers": {
"jaymiller-cmg-mortgage-hawaii": {
"url": "https://realitycents-mcp.jaymiller.workers.dev/mcp"
}
}
} {
"servers": {
"jaymiller-cmg-mortgage-hawaii": {
"type": "http",
"url": "https://realitycents-mcp.jaymiller.workers.dev/mcp"
}
}
} [mcp_servers.jaymiller-cmg-mortgage-hawaii] url = "https://realitycents-mcp.jaymiller.workers.dev/mcp"
{
"$schema": "https://opencode.ai/config.json",
"mcp": {
"jaymiller-cmg-mortgage-hawaii": {
"type": "remote",
"url": "https://realitycents-mcp.jaymiller.workers.dev/mcp",
"enabled": true
}
}
} openclaw mcp add jaymiller-cmg-mortgage-hawaii --url 'https://realitycents-mcp.jaymiller.workers.dev/mcp' --transport streamable-http
mcp_servers:
jaymiller-cmg-mortgage-hawaii:
url: "https://realitycents-mcp.jaymiller.workers.dev/mcp" {
"McpServers": {
"jaymiller-cmg-mortgage-hawaii": {
"Transport": "http",
"Url": "https://realitycents-mcp.jaymiller.workers.dev/mcp"
}
}
} assistant mcp add jaymiller-cmg-mortgage-hawaii -t streamable-http -u 'https://realitycents-mcp.jaymiller.workers.dev/mcp'
{
"mcpServers": {
"jaymiller-cmg-mortgage-hawaii": {
"type": "http",
"url": "https://realitycents-mcp.jaymiller.workers.dev/mcp"
}
}
} The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 29 Sept 26 +1
- Stability: unverified → 0.03 ▲ functional
- Server version: 1.0.0 → 2.0.0 functional
- “va_remaining_entitlement” reworded the description of “entitlementAlreadyInUse” cosmetic
- 28 Sept 26 61
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 29 Sept 2026 · Probed https://realitycents-mcp.jaymiller.workers.dev/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=jaymiller.workers.dev | CN=YE2,O=Let's Encrypt,C=US | 3 Aug 2026 | 1 Nov 2026 | ECDSA 256 | ECDSA-SHA384 | 61898816c0da621b9ebeaa0d01451738338 |
| SANs: *.jaymiller.workers.dev, jaymiller.workers.dev | ||||||
| CN=YE2,O=Let's Encrypt,C=US (CA) | CN=Root YE,O=ISRG,C=US | 3 Sept 2025 | 2 Sept 2028 | ECDSA 384 | ECDSA-SHA384 | 4df3b15dd6c0784c507cd37b58e6f115 |
| CN=Root YE,O=ISRG,C=US (CA) | CN=ISRG Root X2,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | ECDSA 384 | ECDSA-SHA384 | 872165fc34b6e5fba8add5b3705fb53a |
| CN=ISRG Root X2,O=Internet Security Research Group,C=US (CA) | CN=ISRG Root X1,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | ECDSA 384 | SHA256-RSA | 6c8f1dc727c7117f7baf853ac980f9cd |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of realitycents-mcp.jaymiller.workers.dev. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| dev. | present | 60074 | 8 | Verified |
| workers.dev. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://realitycents-mcp.jaymiller.workers.dev/mcp | Verified | 200 | |
| http (plaintext) | http://realitycents-mcp.jaymiller.workers.dev/mcp | Inconclusive | 405 |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
calculate_affordability Calculate affordability ~379
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.
| Name | Type | Req | Description |
|---|---|---|---|
| creditScore | integer | – | Optional FICO for conventional PMI. Omit it to use LTV-only PMI tiers. Do not send a name or SSN. |
| downPayment | number | – | – |
| downPaymentUnit | string | – | – |
| dtiTarget | number | – | Housing-plus-debts DTI cap as a percent. Defaults to 45 for VA and FHA, 41 for conventional and jumbo. |
| grossMonthlyIncome | number | yes | Gross monthly income in dollars. Do not send a name or employer. |
| hoaMonthly | number | – | HOA or maintenance fee in dollars per month. |
| insuranceMonthly | number | – | Homeowner's insurance in dollars per month. Default $150 is a planning placeholder, not a quote. |
| loanType | string | – | – |
| monthlyDebts | number | – | Monthly debt payments already owed (car, cards, student loans). |
| monthlyTaxOverride | number | – | Monthly property tax in dollars. A value above 0 replaces the tax-rate calculation. |
| propertyTaxRatePercent | number | – | Annual property tax as a percent of price. Default 0.35 is Honolulu County residential. |
| rate | number | – | Annual note rate as a percent. Default 6.5 is an example, not a quote. |
| termYears | integer | – | Amortizing term in years. |
| vaDisabilityExempt | boolean | – | True if the borrower is exempt from the VA funding fee. |
| vaFirstUse | boolean | – | VA funding fee: true = first use. Ignored for other loan types. |
No output schema declared.
No examples provided.
calculate_buydown Calculate buydown ~145
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.
| Name | Type | Req | Description |
|---|---|---|---|
| buydownType | string | yes | – |
| loanAmount | number | yes | – |
| noteRate | number | yes | Note rate as a percent. Example only, not a quote. |
| points | number | – | For permanent-points only: number of discount points. 1 point = 1% of the loan amount. Defaults to 1. |
| termYears | integer | – | – |
No output schema declared.
No examples provided.
calculate_mortgage_payment Calculate mortgage payment ~381
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.
| Name | Type | Req | Description |
|---|---|---|---|
| creditScore | integer | – | Optional FICO for conventional PMI. Omit it to use LTV-only PMI tiers. Do not send a name or SSN. |
| downPayment | number | – | Down payment. Defaults: VA 0%, FHA 3.5%, conventional 5%, jumbo 10% when downPaymentUnit is percent. |
| downPaymentUnit | string | – | – |
| hoaMonthly | number | – | HOA or maintenance fee in dollars per month. |
| insuranceMonthly | number | – | Homeowner's insurance in dollars per month. Default $150 is a planning placeholder, not a quote. |
| loanType | string | – | – |
| monthlyTaxOverride | number | – | Monthly property tax in dollars. A value above 0 replaces the tax-rate calculation. |
| pointsPercent | number | – | Discount points as a percent of the total loan. Affects cash to close, not the note rate. |
| price | number | yes | Purchase price in dollars. |
| propertyTaxRatePercent | number | – | Annual property tax as a percent of price. Default 0.35 is Honolulu County residential. |
| rate | number | – | Annual note rate as a percent. Default 6.5 is an example, not a quote. |
| termYears | integer | – | Amortizing term in years. |
| vaDisabilityExempt | boolean | – | True if the borrower is exempt from the VA funding fee. |
| vaFirstUse | boolean | – | VA funding fee: true = first use. Ignored for other loan types. |
No output schema declared.
No examples provided.
compare_loans Compare loans ~133
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.
| Name | Type | Req | Description |
|---|---|---|---|
| creditScore | integer | – | – |
| hoaMonthly | number | – | – |
| insuranceMonthly | number | – | – |
| monthlyTaxOverride | number | – | – |
| propertyTaxRatePercent | number | – | – |
| purchasePrice | number | yes | – |
| scenarios | array | yes | – |
| vaDisabilityExempt | boolean | – | – |
| vaFirstUse | boolean | – | – |
No output schema declared.
No examples provided.
get_preapproval_link Get pre-approval link ~35
Return Jay Miller's public CMG Home Loans application link and published business contact. Does not ask for or store personal information.
Input schema present but exposes no named parameters.
No output schema declared.
No examples provided.
hawaii_mortgage_guidance Hawaii mortgage guidance ~78
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.
| Name | Type | Req | Description |
|---|---|---|---|
| topic | string | yes | – |
No output schema declared.
No examples provided.
rent_vs_buy Rent versus buy ~234
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.
| Name | Type | Req | Description |
|---|---|---|---|
| appreciationPercent | number | – | Annual home appreciation, percent. |
| creditScore | integer | – | – |
| downPayment | number | – | – |
| downPaymentUnit | string | – | – |
| hoaMonthly | number | – | – |
| insuranceMonthly | number | – | – |
| loanType | string | – | – |
| maintenanceMonthly | number | – | Owner maintenance in dollars per month, held flat. |
| monthlyRent | number | yes | Current monthly rent. |
| price | number | yes | – |
| propertyTaxRatePercent | number | – | – |
| rate | number | – | – |
| rentGrowthPercent | number | – | Annual rent growth, percent. |
| sellingCostPercent | number | – | Percent of the ending value treated as a selling cost. Default 0. |
| termYears | integer | – | – |
| vaDisabilityExempt | boolean | – | – |
| vaFirstUse | boolean | – | – |
| years | integer | – | – |
No output schema declared.
No examples provided.
va_purchase_power VA purchase power ~262
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.
| Name | Type | Req | Description |
|---|---|---|---|
| dependents | integer | – | Dependent count. More than zero uses the with-dependents BAH rate. COLA uses this count. |
| downPayment | number | – | Down payment in dollars. Default $0. |
| hoaMonthly | number | – | – |
| insuranceMonthly | number | – | – |
| maxDti | number | – | Planning DTI used by the RealityCents Military Buying Power calculator. Not a VA approval cap. |
| monthlyTaxOverride | number | – | – |
| otherDebts | number | – | Other monthly debt payments. |
| payGrade | string | yes | Military pay grade. BAH is Honolulu County (HI408) 2026. |
| propertyTaxRatePercent | number | – | – |
| rate | number | – | Example annual rate passed into the site purchase-power solver. Not a quote. |
| vaDisabilityExempt | boolean | – | – |
| vaFirstUse | boolean | – | – |
| yearsOfService | number | – | – |
No output schema declared.
No examples provided.
va_remaining_entitlement VA remaining entitlement ~145
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.
| Name | Type | Req | Description |
|---|---|---|---|
| county | string | yes | Hawaii county for the 2026 FHFA one-unit conforming limit. |
| entitlementAlreadyInUse | number | yes | 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 as… |
| purchasePrice | number | yes | – |
No output schema declared.
No examples provided.
What is the RealityCents — Hawaii Mortgage & VA Loan Calculators MCP server?
RealityCents — Hawaii Mortgage & VA Loan Calculators is an MCP server listed in the public MCP registry as io.github.jaymiller-cmg/mortgage-hawaii. Read-only Hawaii mortgage and VA loan calculators from RealityCents.com. No personal data collected. This page covers its hosted endpoint (https://realitycents-mcp.jaymiller.workers.dev/mcp).
Is the RealityCents — Hawaii Mortgage & VA Loan Calculators MCP server safe to use?
RealityCents — Hawaii Mortgage & VA Loan Calculators scores 62 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the RealityCents — Hawaii Mortgage & VA Loan Calculators MCP server expose?
RealityCents — Hawaii Mortgage & VA Loan Calculators exposes 9 tools: calculate_mortgage_payment, calculate_affordability, va_purchase_power, va_remaining_entitlement, compare_loans, and 4 more. Their descriptions and schemas cost roughly 1,792 tokens of context every time the server is loaded.
Does the RealityCents — Hawaii Mortgage & VA Loan Calculators MCP server require authentication?
No. We connected to RealityCents — Hawaii Mortgage & VA Loan Calculators without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the RealityCents — Hawaii Mortgage & VA Loan Calculators MCP server still maintained?
RealityCents — Hawaii Mortgage & VA Loan Calculators is still listed as active in the MCP registry. We last reached this channel on 29 September 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.