# Clara Mortgage Assistant Muse connector

From musedirectory.ai, the independent directory of Meta Muse connectors. Not affiliated with Meta.

## Clara Mortgage Assistant

Calculate Canadian mortgage payments, qualification ratios, and prepayment penalties

- Record: https://musedirectory.ai/connector/clara-mortgage-assistant
- Category: Finance & Bills
- Developer: Clara Finance (https://www.claratech.ai/mortgage-assistant)
- Muse status: Extra setup. Not in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
- Health: Working, 1271ms, checked 2026-09-28T09:01:19Z
- Endpoint: https://mcp.claratech.ai/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-09-25T06:02:35Z)
- Source: Found in the official MCP Registry (io.github.clara-finance/clara-mortgage-assistant) https://registry.modelcontextprotocol.io/v0/servers?search=io.github.clara-finance%2Fclara-mortgage-assistant

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.

Example request: "Show me how my monthly payment and income affect my debt service ratio for a mortgage scenario"

How to connect: Not 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.

Tools:
- refuse_unsupported_mortgage_request: MUST 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, submis
- compare_mortgage_scenarios: Compare 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 mi
- calculate_qualification: Calculate 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 p
- calculate_debt_service: MUST 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_qualificatio
- calculate_ltv: Calculate 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, 
- estimate_prepayment_penalty: Estimate 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,

Screening checks:
- MCP handshake: pass (Answered in 467ms)
- Domain against threat feeds (Cloudflare security DNS): pass (mcp.claratech.ai, www.claratech.ai not flagged)
- Published packages against the OSV malicious-package database: n/a (No npm or PyPI package published)
- Hidden instructions or invisible characters in tool text: pass (6 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (No redirects off the domain)
- AI review of purpose and tool behavior: pass (No concerns)