# RealityCents — Hawaii Mortgage & VA Loan Calculators (remote · realitycents-mcp.jaymiller.workers.dev)

Read-only Hawaii mortgage and VA loan calculators from RealityCents.com. No personal data collected.

- Trust score: 62/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-09-29

## Components

- remote · `realitycents-mcp.jaymiller.workers.dev`: 62/100 (this document), [markdown](https://verifymcp.io/servers/jaymiller-cmg-mortgage-hawaii/realitycents-mcp.md), [page](https://verifymcp.io/servers/jaymiller-cmg-mortgage-hawaii/realitycents-mcp)

## Channel facts

- Endpoint: `https://realitycents-mcp.jaymiller.workers.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `2.0.0`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-09-29.

- **Endpoint Security**: 63/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 52/100
  - AI-judged instruction clarity (good).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 3/100
  - Stability observed for 1 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 83/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 50% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 9 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 9 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### 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.

### Claude

```bash
claude mcp add --transport http jaymiller-cmg-mortgage-hawaii 'https://realitycents-mcp.jaymiller.workers.dev/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "jaymiller-cmg-mortgage-hawaii": {
      "url": "https://realitycents-mcp.jaymiller.workers.dev/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "jaymiller-cmg-mortgage-hawaii": {
      "type": "http",
      "url": "https://realitycents-mcp.jaymiller.workers.dev/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.jaymiller-cmg-mortgage-hawaii]
url = "https://realitycents-mcp.jaymiller.workers.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "jaymiller-cmg-mortgage-hawaii": {
      "type": "remote",
      "url": "https://realitycents-mcp.jaymiller.workers.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add jaymiller-cmg-mortgage-hawaii --url 'https://realitycents-mcp.jaymiller.workers.dev/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  jaymiller-cmg-mortgage-hawaii:
    url: "https://realitycents-mcp.jaymiller.workers.dev/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "jaymiller-cmg-mortgage-hawaii": {
      "Transport": "http",
      "Url": "https://realitycents-mcp.jaymiller.workers.dev/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add jaymiller-cmg-mortgage-hawaii -t streamable-http -u 'https://realitycents-mcp.jaymiller.workers.dev/mcp'
```

### Other

```json
{
  "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.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-09-29 (score 62, +1)

- [functional improvement] Stability: unverified → 0.03
- [functional] Server version: 1.0.0 → 2.0.0
- [cosmetic] “va_remaining_entitlement” reworded the description of “entitlementAlreadyInUse”

### 2026-09-28 (score 61)

First indexed and scored.

## MCP tools (9)

### `calculate_mortgage_payment` (~381 tokens)

Calculate mortgage payment

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.

Input parameters:

- `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, required): 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.

### `calculate_affordability` (~379 tokens)

Calculate affordability

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.

Input parameters:

- `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, required): 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.

### `va_purchase_power` (~262 tokens)

VA purchase power

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.

Input parameters:

- `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, required): 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)

### `va_remaining_entitlement` (~145 tokens)

VA remaining entitlement

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.

Input parameters:

- `county` (string, required): Hawaii county for the 2026 FHFA one-unit conforming limit.
- `entitlementAlreadyInUse` (number, required): 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, required)

### `compare_loans` (~133 tokens)

Compare loans

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.

Input parameters:

- `creditScore` (integer)
- `hoaMonthly` (number)
- `insuranceMonthly` (number)
- `monthlyTaxOverride` (number)
- `propertyTaxRatePercent` (number)
- `purchasePrice` (number, required)
- `scenarios` (array, required)
- `vaDisabilityExempt` (boolean)
- `vaFirstUse` (boolean)

### `calculate_buydown` (~145 tokens)

Calculate buydown

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.

Input parameters:

- `buydownType` (string, required)
- `loanAmount` (number, required)
- `noteRate` (number, required): 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)

### `rent_vs_buy` (~234 tokens)

Rent versus buy

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.

Input parameters:

- `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, required): Current monthly rent.
- `price` (number, required)
- `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)

### `hawaii_mortgage_guidance` (~78 tokens)

Hawaii mortgage guidance

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.

Input parameters:

- `topic` (string, required)

### `get_preapproval_link` (~35 tokens)

Get pre-approval link

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

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/jaymiller-cmg-mortgage-hawaii/realitycents-mcp#diagnostics

## Score history

- 2026-09-29: 62
- 2026-09-28: 61

## Common questions

### 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.

## Links

- Remote endpoint: https://realitycents-mcp.jaymiller.workers.dev/mcp
- Website: https://realitycents.com/
- Changelog RSS feed: https://verifymcp.io/servers/jaymiller-cmg-mortgage-hawaii/realitycents-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/jaymiller-cmg-mortgage-hawaii/realitycents-mcp.json
- HTML version of this page: https://verifymcp.io/servers/jaymiller-cmg-mortgage-hawaii/realitycents-mcp