# UQUAL Loan Readiness Muse connector

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

## UQUAL Loan Readiness

Check mortgage readiness, compare loan programs, and estimate down payment help.

- Record: https://musedirectory.ai/connector/uqual-loan-readiness
- Category: Finance & Bills
- Developer: UQUAL (https://uqual.com)
- 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, 747ms, checked 2026-11-07T02:16:02Z
- Endpoint: https://uqual.com/mcp
- Auth: No account needed; Pricing: unknown
- Screening: Screened, no issues found (2026-11-06T20:56:12Z)
- Source: Found in the official MCP Registry (com.uqual/loan-readiness) https://registry.modelcontextprotocol.io/v0/servers?search=com.uqual%2Floan-readiness

Connects to UQUAL's loan readiness calculators. Muse can compute debt-to-income ratios, compare FHA and conventional loans, estimate affordable home prices, check state down payment assistance, simulate debt payoff, and score mortgage readiness.

Example request: "Am I ready to buy a $375,000 house with my income and credit score?"

How to connect: Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use UQUAL Loan Readiness to help me. It is a free service with an MCP server at https://uqual.com/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:
- calculate_mortgage_dti: Computes front-end and back-end mortgage debt-to-income (DTI) ratios, student loan agency imputations (Fannie Mae, Freddie Mac, FHA, VA), maximum allowable monthly debt across FHA (31/43 standard, 46.99/56.99 AUS), Conventional (28/36 to 45/50 AUS), VA (41% benchmark), and USDA (
- calculate_mortgage_affordability: Computes maximum affordable home purchase price across FHA, Conventional, VA, and USDA, full PITI + MIP/PMI + HOA breakdown, required cash-to-close, and how +20/+40/+60 credit score gains or monthly debt reduction expand purchasing power.
- compare_fha_vs_conventional: Compares FHA (3.5% down at 580+, 1.75% UFMIP + annual MIP) against Conventional (3% first-time buyer / 5% standard down at 620+, credit-tiered PMI with 80%/78% LTV cancellation), returning 5-year and 10-year total cost and the exact credit score crossover point.
- check_down_payment_assistance: Evaluates eligibility and estimated assistance amounts for state HFA programs (TX TSAHC/TDHCA, FL Florida Housing/Hometown Heroes, CO CHFA, GA Georgia Dream, NC NCHFA NC Home Advantage and $15,000 NC 1st Home Advantage, plus national baseline FTHB rules).
- simulate_debt_payoff_and_readiness: Simulates Avalanche vs Snowball vs UQUAL Mortgage-Readiness DTI-First payoff, targeting installment debts near <=10 remaining payments per Fannie/Freddie/FHA exclusion rules and revolving credit cards above 30% and 10% utilization thresholds.
- evaluate_loan_readiness_score: Computes UQUAL's 4-Pillar Loan Readiness Score (0 to 100) across Credit Middle Score, DTI, Down Payment/Reserves, and Credit Hygiene/Seasoning with compensability cap diagnostics, multi-program alignment, and prioritized counterfactual action steps.
- request_uqual_loan_readiness_review: Opt-in lead handoff tool invoked ONLY when the user explicitly consents to share contact details for a personalized UQUAL Loan Readiness Coach review via uqual.com/api/seo-leads.

Screening checks:
- MCP handshake: pass (Answered in 264ms)
- Domain against threat feeds (Cloudflare security DNS): pass (uqual.com 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 (7 tools read, nothing found)
- Inputs asking for passwords, card numbers or seed phrases: pass (None found)
- Domain and redirects: pass (Domain registered 7765 days ago)
- AI review of purpose and tool behavior: pass (No concerns)