Calculate Canadian mortgage payments, qualification ratios, and prepayment penalties
Performs deterministic calculations for Canadian mortgages: qualification ratios (GDS/TDS), payment scenarios, loan-to-value, and prepayment penalties. Does not make lending decisions or recommend products. Requires explicit numeric inputs.
Try asking Muse: "Show me how my monthly payment and income affect my debt service ratio for a mortgage scenario"
Source: Found in the official MCP Registry (io.github.clara-finance/clara-mortgage-assistant) · First listed September 25, 2026
Each bar is one check, every 15 minutes. Green means it answered. Last checked 2 h ago.
What Muse can see: It does not ask you to sign in, so it cannot see your accounts. It only sees what Muse sends it from your request.
Before it acts: Read what Muse plans to do before you approve it, and remove the app from Muse when you stop using it.
musedirectory.ai is not part of Meta. More about how Muse handles your information
Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
https://mcp.claratech.ai/mcpNot in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
Clara Mortgage Assistant is a remote MCP server, so any assistant that can add a custom connector by link can use it. Same link, same tools.
In ChatGPT, open Settings, then Connectors (called Apps & Connectors on some accounts).
Under Advanced settings, switch on Developer mode. That is what lets you add a connector by link.
Choose Create, give it a name, paste the link as the MCP server URL, and save. If it needs a sign-in, ChatGPT asks for it here.
Start a chat, open the tools menu, pick the connector, and ask. ChatGPT asks before it runs a tool the first time.
Custom connectors need a paid ChatGPT plan, and on Team, Enterprise and Edu accounts only an admin can add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in ChatGPT
In Claude, open Settings, then Connectors.
Choose Add custom connector, give it a name, and paste the link.
If it needs a sign-in, Claude sends you to it. Then turn the connector on in a chat from the tools menu and ask.
Custom connectors are available on paid Claude plans; on Team and Enterprise accounts an admin may need to add them. Our "Working" label means the server answered us; it cannot tell whether your plan lets you add it. All connectors that work in Claude
https://mcp.claratech.ai/mcpResponse time at the last check: 277ms. Worked in 99.5% of checks over 30 days.
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
refuse_unsupported_mortgage_requestReturns a fixed explanation that a request is outside this calculator's scope, with a calculation it can do instead. Categories: approval or underwriting decisions, lender or product recommendations, borrower documents or accounts, current rates, rules, or thresholds, external accompare_mortgage_scenariosCompares up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitability decisions, no lender or product recomcalculate_qualificationCalculates the B-20 qualifying rate, the qualifying payment, and the resulting GDS/TDS from a principal, contract rate, amortization, and income. It computes the payment itself, so it needs those loan terms. Results are neutral scenario math, not an approval or underwriting deciscalculate_debt_serviceCalculates Canadian GDS and TDS ratios from a monthly mortgage payment that is already known, plus income, housing costs, and other monthly debts. It takes the payment as given and needs no principal, rate, or amortization. Ratios are not an approval or suitability decision. Workcalculate_ltvCalculates Canadian loan-to-value and combined loan-to-value from the loan amount, other secured positions, and a purchase price, an appraised value, or both. Ratios are not an approval or suitability decision. Works only from explicit, non-identifying numbers in the request. Retestimate_prepayment_penaltyEstimates three-months-interest and simplified interest-rate-differential prepayment penalties. Lender discharge statements remain authoritative. Works only from explicit, non-identifying numbers in the request. Returns calculations only: no approval, underwriting, or suitabilityhttps://mcp.claratech.ai/mcpNot in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use Clara Mortgage Assistant to help me. It is a free service with an MCP server at https://mcp.claratech.ai/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
At the last check (November 13, 2026, 17:16 UTC) the endpoint was working, answering in 277ms. Over the last 7 days it answered 100% of health checks. It is checked every 15 minutes.
It was screened on September 25, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
It exposes 6 tools, including refuse_unsupported_mortgage_request, compare_mortgage_scenarios, calculate_qualification, calculate_debt_service. For example, you could ask Muse: "Show me how my monthly payment and income affect my debt service ratio for a mortgage scenario"
This listing was added from public sources (Found in the official MCP Registry (io.github.clara-finance/clara-mortgage-assistant)). If you build Clara Mortgage Assistant, claim it to correct the details and get your badge.
Paste this on your site or README. It always shows the latest check.
<a href="https://musedirectory.ai/connector/clara-mortgage-assistant"><img src="https://musedirectory.ai/badge/clara-mortgage-assistant.svg" alt="Clara Mortgage Assistant on musedirectory.ai" width="236" height="40"></a>