# Mortgage Tools by Jenny Muse connector

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

## Mortgage Tools by Jenny

Canadian mortgage calculators for renewals, extra payments, break-or-stay decisions, and debt consolidation.

- Record: https://musedirectory.ai/connector/mortgage-tools-by-jenny
- Category: Finance & Bills
- Developer: Jenny Mortgage (https://jenny.mortgage/mortgage-tools/)
- 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: Having trouble, 5198ms, checked 2026-10-29T09:45:56Z
- Endpoint: https://mcp.jenny.mortgage/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-10-29T06:11:16Z)
- Source: Found in the official MCP Registry (mortgage.jenny/jenny-mortgage-tools) https://registry.modelcontextprotocol.io/v0/servers?search=mortgage.jenny%2Fjenny-mortgage-tools

Compares Canadian mortgage renewal offers, calculates the impact of extra payments, evaluates breaking a mortgage early versus staying, and models debt consolidation scenarios. Requires user-supplied figures and lender quotes; does not search rates or estimate penalties.

Example request: "Should I break my mortgage early to switch to a lower rate, and what will the penalty cost me?"

How to connect: Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use Mortgage Tools by Jenny to help me. It is a free service with an MCP server at https://mcp.jenny.mortgage/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:
- diagnose_mortgage_comparison: Use this first when a user wants a Canadian mortgage renewal, extra-payment, break-or-stay or debt-consolidation comparison but has not yet given the key figures. From the facts already supplied, returns the missing ones in priority order and up to three questions to ask (balance
- compare_renewal_offers: Use this when a user has two or three Canadian mortgage offers for the same balance, such as a renewal letter from the current lender and a quote to switch lender at renewal, and wants them compared. Compares the user-supplied rates, terms, amortizations, cashback and switching c
- plan_mortgage_prepayments: Use this when a user asks what paying extra on one Canadian mortgage would do: a higher regular payment, recurring extra payments, or up to 50 lump sums. Compares the supplied mortgage with and without the extras: interest, debt left and modeled payoff period. Checks the extras a
- compare_break_or_stay: Use this when a user is partway through a Canadian mortgage term and asks whether to break the mortgage early (to refinance the same debt, switch lender or take a lower rate) or stay until the term ends. Compares keeping it with a user-supplied replacement offer, counting the len
- compare_debt_consolidation: Use this when a user asks about rolling other debts into a Canadian mortgage (debt consolidation), for example credit-card, car-loan or existing line-of-credit or HELOC balances, each entered with a fixed monthly payment or as interest-only. Compares three scenarios over a common
- get_mortgage_guide: Use this when a user asks how to prepare for or understand a supported Canadian mortgage topic and is not asking for a calculation: renewal, switching costs, unequal terms, payment versus cost, renewal checklist, prepayments, break or stay, debt consolidation, or the calculation 

Screening checks:
- MCP handshake: pass (Answered in 1452ms)
- Domain against threat feeds (Cloudflare security DNS): pass (mcp.jenny.mortgage, jenny.mortgage 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)