Serveur MCP
Clara Mortgage Assistant
io.github.clara-finance/clara-mortgage-assistant
Ce que fait ce MCP
Performs deterministic Canadian mortgage calculations for debt-service ratios, qualification stress tests, loan-to-value, scenario payments, and prepayment penalties.
Capacités
Outils
6
outils
calculate_debt_service
Calculate GDS and TDS
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_qualification when the monthly payment is already supplied. 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, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['effectiveDate', 'grossAnnualIncome', 'monthlyPayment'], 'properties': {'housing': {'type': 'object', 'properties': {'monthlyHeat': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Monthly heating cost in Canadian dollars.'}, 'monthlyCondoFees': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Monthly condominium fees in Canadian dollars.'}, 'monthlyPropertyTax': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Monthly property-tax amount in Canadian dollars.'}}, 'additionalProperties': False}, 'tolerances': {'type': 'object', 'required': ['gdsMax', 'tdsMax'], 'properties': {'label': {'type': 'string', 'maxLength': 80, 'minLength': 1}, 'gdsMax': {'type': 'number', 'maximum': 1, 'description': 'Maximum GDS ratio as a decimal; for example, 39% is 0.39.', 'exclusiveMinimum': 0}, 'tdsMax': {'type': 'number', 'maximum': 1, 'description': 'Maximum TDS ratio as a decimal; for example, 44% is 0.44.', 'exclusiveMinimum': 0}}, 'additionalProperties': False}, 'jurisdiction': {'type': 'string', 'const': 'CA', 'default': 'CA', 'description': 'Canadian calculations only.'}, 'effectiveDate': {'type': 'string', 'pattern': '^\\d{4}-\\d{2}-\\d{2}$', 'description': 'Date the supplied rates and policy assumptions were confirmed.'}, 'monthlyPayment': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Monthly mortgage principal-and-interest payment in Canadian dollars.', 'exclusiveMinimum': 0}, 'grossAnnualIncome': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Gross annual household income in Canadian dollars.', 'exclusiveMinimum': 0}, 'otherMonthlyDebts': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Total other monthly debt obligations in Canadian dollars.'}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['tool', 'jurisdiction', 'currency', 'effectiveDate', 'calculationVersion', 'calculation', 'disclaimer'], 'properties': {'tool': {'type': 'string', 'const': 'calculate_debt_service'}, 'currency': {'type': 'string', 'const': 'CAD'}, 'disclaimer': {'type': 'string'}, 'calculation': {'type': 'object', 'required': ['calcId', 'calcVersion', 'inputsEcho', 'result', 'explanation', 'issues'], 'properties': {'calcId': {'type': 'string'}, 'issues': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'label', 'severity', 'category', 'description', 'nextAction'], 'properties': {'code': {'type': 'string'}, 'label': {'type': 'string'}, 'source': {'type': ['string', 'null']}, 'category': {'enum': ['intake', 'documents', 'math', 'suitability', 'compliance', 'fraud_title_aml', 'routing', 'human_review'], 'type': 'string'}, 'hardFail': {'type': 'boolean'}, 'severity': {'enum': ['info', 'low', 'medium', 'high', 'blocker'], 'type': 'string'}, 'nextAction': {'type': 'string'}, 'description': {'type': 'string'}}, 'additionalProperties': False}}, 'result': {'anyOf': [{'type': 'object', 'additionalProperties': {}}, {'type': 'null'}]}, 'inputsEcho': {'type': 'object', 'required': ['values', 'provenance'], 'properties': {'values': {'type': 'object', 'additionalProperties': {}}, 'provenance': {'type': 'object', 'additionalProperties': {'enum': ['user', 'dealProfile', 'default'], 'type': 'string'}}}, 'additionalProperties': False}, 'calcVersion': {'type': 'string'}, 'explanation': {'type': 'array', 'items': {'type': 'string'}}}, 'additionalProperties': False}, 'jurisdiction': {'type': 'string', 'const': 'CA'}, 'effectiveDate': {'type': 'string'}, 'calculationVersion': {'type': 'string'}}, 'additionalProperties': False}
calculate_ltv
Calculate LTV and CLTV
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, underwrite, recommend, select a lender or product, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['effectiveDate', 'loanAmount'], 'properties': {'storedLtv': {'type': 'number', 'maximum': 5, 'minimum': 0, 'description': 'Optional previously stored LTV ratio as a decimal; for example, 75% is 0.75.'}, 'loanAmount': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'New mortgage or loan amount in Canadian dollars.', 'exclusiveMinimum': 0}, 'valueBasis': {'enum': ['lesser_of', 'appraised', 'purchase'], 'type': 'string'}, 'jurisdiction': {'type': 'string', 'const': 'CA', 'default': 'CA', 'description': 'Canadian calculations only.'}, 'effectiveDate': {'type': 'string', 'pattern': '^\\d{4}-\\d{2}-\\d{2}$', 'description': 'Date the supplied rates and policy assumptions were confirmed.'}, 'purchasePrice': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Property purchase price in Canadian dollars.', 'exclusiveMinimum': 0}, 'appraisedValue': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Property appraised value in Canadian dollars.', 'exclusiveMinimum': 0}, 'otherSecuredPositions': {'type': 'array', 'items': {'type': 'object', 'required': ['amount'], 'properties': {'label': {'type': 'string', 'maxLength': 80, 'minLength': 1}, 'amount': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Balance of this other secured position in Canadian dollars.'}}, 'additionalProperties': False}, 'maxItems': 20}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['tool', 'jurisdiction', 'currency', 'effectiveDate', 'calculationVersion', 'calculation', 'disclaimer'], 'properties': {'tool': {'type': 'string', 'const': 'calculate_ltv'}, 'currency': {'type': 'string', 'const': 'CAD'}, 'disclaimer': {'type': 'string'}, 'calculation': {'type': 'object', 'required': ['calcId', 'calcVersion', 'inputsEcho', 'result', 'explanation', 'issues'], 'properties': {'calcId': {'type': 'string'}, 'issues': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'label', 'severity', 'category', 'description', 'nextAction'], 'properties': {'code': {'type': 'string'}, 'label': {'type': 'string'}, 'source': {'type': ['string', 'null']}, 'category': {'enum': ['intake', 'documents', 'math', 'suitability', 'compliance', 'fraud_title_aml', 'routing', 'human_review'], 'type': 'string'}, 'hardFail': {'type': 'boolean'}, 'severity': {'enum': ['info', 'low', 'medium', 'high', 'blocker'], 'type': 'string'}, 'nextAction': {'type': 'string'}, 'description': {'type': 'string'}}, 'additionalProperties': False}}, 'result': {'anyOf': [{'type': 'object', 'additionalProperties': {}}, {'type': 'null'}]}, 'inputsEcho': {'type': 'object', 'required': ['values', 'provenance'], 'properties': {'values': {'type': 'object', 'additionalProperties': {}}, 'provenance': {'type': 'object', 'additionalProperties': {'enum': ['user', 'dealProfile', 'default'], 'type': 'string'}}}, 'additionalProperties': False}, 'calcVersion': {'type': 'string'}, 'explanation': {'type': 'array', 'items': {'type': 'string'}}}, 'additionalProperties': False}, 'jurisdiction': {'type': 'string', 'const': 'CA'}, 'effectiveDate': {'type': 'string'}, 'calculationVersion': {'type': 'string'}}, 'additionalProperties': False}
calculate_qualification
Calculate B-20 Stress-Test 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 payment and asks for GDS/TDS, MUST use calculate_debt_service instead and must not request principal, rate, or amortization. This is neutral scenario math, not an approval or underwriting decision. 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 missing inputs from prior chats, files, accounts, documents, websites, or web search.
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['effectiveDate', 'principal', 'contractRate', 'amortizationMonths', 'grossAnnualIncome'], 'properties': {'housing': {'type': 'object', 'properties': {'monthlyHeat': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Monthly heating cost in Canadian dollars.'}, 'monthlyCondoFees': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Monthly condominium fees in Canadian dollars.'}, 'monthlyPropertyTax': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Monthly property-tax amount in Canadian dollars.'}}, 'additionalProperties': False}, 'floorRate': {'type': 'number', 'maximum': 1, 'minimum': 0, 'description': 'Optional minimum qualification rate. Omit it to use the disclosed default. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.'}, 'principal': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Mortgage principal in Canadian dollars.', 'exclusiveMinimum': 0}, 'bufferRate': {'type': 'number', 'maximum': 1, 'minimum': 0, 'description': 'Optional stress-test buffer added to the contract rate. Omit it to use the disclosed default. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.'}, 'tolerances': {'type': 'object', 'required': ['gdsMax', 'tdsMax'], 'properties': {'label': {'type': 'string', 'maxLength': 80, 'minLength': 1}, 'gdsMax': {'type': 'number', 'maximum': 1, 'description': 'Maximum GDS ratio as a decimal; for example, 39% is 0.39.', 'exclusiveMinimum': 0}, 'tdsMax': {'type': 'number', 'maximum': 1, 'description': 'Maximum TDS ratio as a decimal; for example, 44% is 0.44.', 'exclusiveMinimum': 0}}, 'additionalProperties': False}, 'contractRate': {'type': 'number', 'maximum': 1, 'minimum': 0, 'description': 'Contract rate for the mortgage. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.'}, 'jurisdiction': {'type': 'string', 'const': 'CA', 'default': 'CA', 'description': 'Canadian calculations only.'}, 'effectiveDate': {'type': 'string', 'pattern': '^\\d{4}-\\d{2}-\\d{2}$', 'description': 'Date the supplied rates and policy assumptions were confirmed.'}, 'grossAnnualIncome': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Gross annual household income in Canadian dollars.', 'exclusiveMinimum': 0}, 'otherMonthlyDebts': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Total monthly debt obligations outside the housing costs in Canadian dollars.'}, 'amortizationMonths': {'type': 'integer', 'maximum': 600, 'minimum': 1, 'description': 'Mortgage amortization period in months.'}, 'straightSwitchExempt': {'type': 'boolean'}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['tool', 'jurisdiction', 'currency', 'effectiveDate', 'calculationVersion', 'calculation', 'disclaimer'], 'properties': {'tool': {'type': 'string', 'const': 'calculate_qualification'}, 'currency': {'type': 'string', 'const': 'CAD'}, 'disclaimer': {'type': 'string'}, 'calculation': {'type': 'object', 'required': ['calcId', 'calcVersion', 'inputsEcho', 'result', 'explanation', 'issues'], 'properties': {'calcId': {'type': 'string'}, 'issues': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'label', 'severity', 'category', 'description', 'nextAction'], 'properties': {'code': {'type': 'string'}, 'label': {'type': 'string'}, 'source': {'type': ['string', 'null']}, 'category': {'enum': ['intake', 'documents', 'math', 'suitability', 'compliance', 'fraud_title_aml', 'routing', 'human_review'], 'type': 'string'}, 'hardFail': {'type': 'boolean'}, 'severity': {'enum': ['info', 'low', 'medium', 'high', 'blocker'], 'type': 'string'}, 'nextAction': {'type': 'string'}, 'description': {'type': 'string'}}, 'additionalProperties': False}}, 'result': {'anyOf': [{'type': 'object', 'additionalProperties': {}}, {'type': 'null'}]}, 'inputsEcho': {'type': 'object', 'required': ['values', 'provenance'], 'properties': {'values': {'type': 'object', 'additionalProperties': {}}, 'provenance': {'type': 'object', 'additionalProperties': {'enum': ['user', 'dealProfile', 'default'], 'type': 'string'}}}, 'additionalProperties': False}, 'calcVersion': {'type': 'string'}, 'explanation': {'type': 'array', 'items': {'type': 'string'}}}, 'additionalProperties': False}, 'jurisdiction': {'type': 'string', 'const': 'CA'}, 'effectiveDate': {'type': 'string'}, 'calculationVersion': {'type': 'string'}}, 'additionalProperties': False}
compare_mortgage_scenarios
Compare Canadian 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 missing inputs from prior chats, files, accounts, documents, websites, or web search.
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['effectiveDate', 'scenarios'], 'properties': {'scenarios': {'type': 'array', 'items': {'type': 'object', 'required': ['name', 'principal', 'annualRate', 'amortizationMonths', 'paymentFrequency'], 'properties': {'name': {'type': 'string', 'maxLength': 80, 'minLength': 1}, 'principal': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Mortgage principal in Canadian dollars.', 'exclusiveMinimum': 0}, 'annualRate': {'type': 'number', 'maximum': 1, 'minimum': 0, 'description': 'Contract rate for this mortgage scenario. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.'}, 'termMonths': {'type': 'integer', 'maximum': 600, 'minimum': 1, 'description': 'Mortgage term in months.'}, 'paymentFrequency': {'enum': ['monthly', 'semi_monthly', 'biweekly', 'weekly', 'accelerated_biweekly', 'accelerated_weekly'], 'type': 'string'}, 'amortizationMonths': {'type': 'integer', 'maximum': 600, 'minimum': 1, 'description': 'Mortgage amortization period in months.'}, 'propertyTaxPerPayment': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Optional property-tax amount in Canadian dollars for each payment period.'}, 'comparisonPrincipalAndInterestPayment': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Optional principal-and-interest payment in Canadian dollars for the same payment period, used only as a comparison value.'}}, 'additionalProperties': False}, 'maxItems': 6, 'minItems': 1}, 'jurisdiction': {'type': 'string', 'const': 'CA', 'default': 'CA', 'description': 'Canadian calculations only.'}, 'effectiveDate': {'type': 'string', 'pattern': '^\\d{4}-\\d{2}-\\d{2}$', 'description': 'Date the supplied rates and policy assumptions were confirmed.'}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['tool', 'jurisdiction', 'currency', 'effectiveDate', 'calculationVersion', 'scenarios', 'disclaimer'], 'properties': {'tool': {'type': 'string', 'const': 'compare_mortgage_scenarios'}, 'currency': {'type': 'string', 'const': 'CAD'}, 'scenarios': {'type': 'array', 'items': {'type': 'object', 'required': ['name', 'calculation'], 'properties': {'name': {'type': 'string'}, 'calculation': {'type': 'object', 'required': ['calcId', 'calcVersion', 'inputsEcho', 'result', 'explanation', 'issues'], 'properties': {'calcId': {'type': 'string'}, 'issues': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'label', 'severity', 'category', 'description', 'nextAction'], 'properties': {'code': {'type': 'string'}, 'label': {'type': 'string'}, 'source': {'type': ['string', 'null']}, 'category': {'enum': ['intake', 'documents', 'math', 'suitability', 'compliance', 'fraud_title_aml', 'routing', 'human_review'], 'type': 'string'}, 'hardFail': {'type': 'boolean'}, 'severity': {'enum': ['info', 'low', 'medium', 'high', 'blocker'], 'type': 'string'}, 'nextAction': {'type': 'string'}, 'description': {'type': 'string'}}, 'additionalProperties': False}}, 'result': {'anyOf': [{'type': 'object', 'additionalProperties': {}}, {'type': 'null'}]}, 'inputsEcho': {'type': 'object', 'required': ['values', 'provenance'], 'properties': {'values': {'type': 'object', 'additionalProperties': {}}, 'provenance': {'type': 'object', 'additionalProperties': {'enum': ['user', 'dealProfile', 'default'], 'type': 'string'}}}, 'additionalProperties': False}, 'calcVersion': {'type': 'string'}, 'explanation': {'type': 'array', 'items': {'type': 'string'}}}, 'additionalProperties': False}}, 'additionalProperties': False}}, 'disclaimer': {'type': 'string'}, 'jurisdiction': {'type': 'string', 'const': 'CA'}, 'effectiveDate': {'type': 'string'}, 'calculationVersion': {'type': 'string'}}, 'additionalProperties': False}
estimate_prepayment_penalty
Estimate a Mortgage 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, or fill missing inputs from prior chats, files, accounts, documents, websites, or web search.
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['effectiveDate', 'principal', 'annualRate', 'remainingTermMonths'], 'properties': {'method': {'enum': ['greater_of_3mo_interest_ird', 'three_months_interest', 'interest_rate_differential'], 'type': 'string'}, 'principal': {'type': 'number', 'maximum': 100000000, 'minimum': 0, 'description': 'Outstanding mortgage balance in Canadian dollars.', 'exclusiveMinimum': 0}, 'annualRate': {'type': 'number', 'maximum': 1, 'minimum': 0, 'description': 'Current annual mortgage rate. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.'}, 'jurisdiction': {'type': 'string', 'const': 'CA', 'default': 'CA', 'description': 'Canadian calculations only.'}, 'effectiveDate': {'type': 'string', 'pattern': '^\\d{4}-\\d{2}-\\d{2}$', 'description': 'Date the supplied rates and policy assumptions were confirmed.'}, 'comparisonRate': {'type': 'number', 'maximum': 1, 'minimum': 0, 'description': 'Annual comparison or reference rate used for the simplified interest-rate-differential estimate. Supply the annual rate as a decimal; for example, 5.25% is 0.0525.'}, 'remainingTermMonths': {'type': 'integer', 'maximum': 600, 'minimum': 1, 'description': 'Number of months remaining in the mortgage term.'}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['tool', 'jurisdiction', 'currency', 'effectiveDate', 'calculationVersion', 'calculation', 'disclaimer'], 'properties': {'tool': {'type': 'string', 'const': 'estimate_prepayment_penalty'}, 'currency': {'type': 'string', 'const': 'CAD'}, 'disclaimer': {'type': 'string'}, 'calculation': {'type': 'object', 'required': ['calcId', 'calcVersion', 'inputsEcho', 'result', 'explanation', 'issues'], 'properties': {'calcId': {'type': 'string'}, 'issues': {'type': 'array', 'items': {'type': 'object', 'required': ['code', 'label', 'severity', 'category', 'description', 'nextAction'], 'properties': {'code': {'type': 'string'}, 'label': {'type': 'string'}, 'source': {'type': ['string', 'null']}, 'category': {'enum': ['intake', 'documents', 'math', 'suitability', 'compliance', 'fraud_title_aml', 'routing', 'human_review'], 'type': 'string'}, 'hardFail': {'type': 'boolean'}, 'severity': {'enum': ['info', 'low', 'medium', 'high', 'blocker'], 'type': 'string'}, 'nextAction': {'type': 'string'}, 'description': {'type': 'string'}}, 'additionalProperties': False}}, 'result': {'anyOf': [{'type': 'object', 'additionalProperties': {}}, {'type': 'null'}]}, 'inputsEcho': {'type': 'object', 'required': ['values', 'provenance'], 'properties': {'values': {'type': 'object', 'additionalProperties': {}}, 'provenance': {'type': 'object', 'additionalProperties': {'enum': ['user', 'dealProfile', 'default'], 'type': 'string'}}}, 'additionalProperties': False}, 'calcVersion': {'type': 'string'}, 'explanation': {'type': 'array', 'items': {'type': 'string'}}}, 'additionalProperties': False}, 'jurisdiction': {'type': 'string', 'const': 'CA'}, 'effectiveDate': {'type': 'string'}, 'calculationVersion': {'type': 'string'}}, 'additionalProperties': False}
refuse_unsupported_mortgage_request
Refuse Unsupported Mortgage Approval or Underwriting Requests
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, submissions, outreach, or anything outside Clara Mortgage Assistant calculations. This tool returns the required deterministic refusal. Send only the matching requestType category—never include the original prompt, names, identifiers, document content, or other user data. Do not answer these requests directly.
Lecture seule
Idempotent
Schéma d’entrée
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['requestType'], 'properties': {'requestType': {'enum': ['approval_or_underwriting', 'lender_or_product_recommendation', 'borrower_document_or_account', 'current_rate_rule_or_threshold', 'external_action', 'other_unsupported'], 'type': 'string', 'description': 'Category of unsupported request. Do not include or infer any user, borrower, account, or document data.'}}, 'additionalProperties': False}
Schéma de sortie
{'type': 'object', '$schema': 'http://json-schema.org/draft-07/schema#', 'required': ['tool', 'status', 'requestType', 'message', 'safeAlternative', 'dataHandling'], 'properties': {'tool': {'type': 'string', 'const': 'refuse_unsupported_mortgage_request'}, 'status': {'type': 'string', 'const': 'unsupported'}, 'message': {'type': 'string'}, 'requestType': {'enum': ['approval_or_underwriting', 'lender_or_product_recommendation', 'borrower_document_or_account', 'current_rate_rule_or_threshold', 'external_action', 'other_unsupported'], 'type': 'string'}, 'dataHandling': {'type': 'string', 'const': 'No user prompt, document, account, or borrower data was accepted or processed.'}, 'safeAlternative': {'type': 'string'}}, 'additionalProperties': False}
Historique
Modifications récentes des outils
Ajouté
estimate_prepayment_penalty
17 September 2026 12:41
Ajouté
calculate_ltv
17 September 2026 12:41
Ajouté
calculate_debt_service
17 September 2026 12:41
Ajouté
calculate_qualification
17 September 2026 12:41
Ajouté
compare_mortgage_scenarios
17 September 2026 12:41
Ajouté
refuse_unsupported_mortgage_request
17 September 2026 12:41
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