RealityCents — Hawaii Mortgage & VA Loan Calculators

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How to call it

Add it to any MCP client that supports remote servers.

{
  "mcpServers": {
    "realitycents-hawaii-mortgage-va-loan-calculators": {
      "type": "http",
      "url": "https://realitycents-mcp.jaymiller.workers.dev/mcp"
    }
  }
}

10 tools

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• rent_vs_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.

• 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.

• lookup_va_condo

  Check whether an Oahu condo project is on the VA's accepted condo list, by project name (fuzzy), building address, or VA condo ID. Returns status, VA ID, the data date, and the VA's official lookup link to verify. Oahu only for now. Read-only. Do not send a unit number or persona

• get_preapproval_link

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

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