{"$schema":"https://wellknown.network/schemas/agent-record-v1.json","schemaVersion":"1","id":"ag_44cqvyhqw7eh","handle":"us-mortgage-calculator","url":"https://wellknown.network/agents/us-mortgage-calculator","links":{"self":"https://wellknown.network/agents/us-mortgage-calculator/record.json","html":"https://wellknown.network/agents/us-mortgage-calculator","markdown":"https://wellknown.network/agents/us-mortgage-calculator/record.md","api":"https://wellknown.network/api/v1/agents/us-mortgage-calculator","status":"https://wellknown.network/api/v1/agents/us-mortgage-calculator/status","claim":"https://wellknown.network/agents/us-mortgage-calculator/claim","claimApi":"https://wellknown.network/api/v1/claims","badge":"https://wellknown.network/agents/us-mortgage-calculator/badge.svg","openapi":"https://wellknown.network/openapi.json"},"ard":{"identifier":"urn:air:www.usmortgagecalc.com:server:us-mortgage-calculator","type":"application/mcp-server-card+json"},"kind":"mcp_server","declared":{"name":"US Mortgage Calculator","summary":"US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data.","description":"US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data.","publisher":{"name":"com.usmortgagecalc","url":null},"homepage":"https://www.usmortgagecalc.com","repository":null,"version":"1.0.1","license":null,"protocols":["mcp"],"tags":[],"pricing":null,"endpoints":[{"url":"https://www.usmortgagecalc.com/mcp","type":"mcp_streamable_http","auth":null,"probeable":true}],"skills":null,"tools":null,"extra":{"updatedAt":"2026-08-14T10:36:59.65064Z","publishedAt":"2026-08-14T10:36:59.65064Z","registryName":"com.usmortgagecalc/mortgage"},"attribution":{"kind":"mcp_registry","name":"mcp_registry","summary":"mcp_registry","version":"mcp_registry","description":"mcp_registry","homepageUrl":"mcp_registry","publisherName":"mcp_registry"}},"derived":{"capabilities":[{"slug":"commerce.payments","name":"Payments","confidence":1,"provenance":"derived"},{"slug":"finance.accounting","name":"Accounting","confidence":1,"provenance":"derived"},{"slug":"commerce.pricing","name":"Pricing & Quotes","confidence":0.525,"provenance":"derived"}],"categories":["commerce","finance"]},"observed":{"status":"live","statusReason":"Responded 4h ago.","lastOkAt":"2026-09-06T00:27:32.843Z","lastProbedAt":"2026-09-06T00:27:32.843Z","statusComputedAt":"2026-09-06T00:28:16.264Z","reliability30d":{"probes":1,"successRate":1,"p50Ms":244},"latestObservations":[{"at":"2026-09-06T00:27:32.843Z","kind":"mcp_initialize","ok":true,"httpStatus":200,"latencyMs":244,"error":null,"detail":{"tools":[{"name":"calculate_mortgage","description":"Full monthly housing cost for a US mortgage: principal and interest, property tax, homeowners insurance, mortgage insurance and HOA dues, plus lifetime totals a"},{"name":"calculate_amortization","description":"Payment-by-payment breakdown of how a loan is repaid, showing the split between principal and interest and the falling balance. Use granularity 'monthly' for th"},{"name":"calculate_pmi","description":"Mortgage insurance for any US loan programme, including the upfront charges most calculators omit. Conventional: monthly PMI and the month it cancels at 80% and"},{"name":"calculate_property_tax","description":"Annual and monthly property tax for a home, using a state's average effective rate. Also returns how that state ranks nationally and how its rate compares with "},{"name":"calculate_affordability","description":"Maximum affordable home price from income, existing debt payments and available down payment, using the 28/36 qualifying ratios. Reports which of the two ratios"},{"name":"calculate_refinance","description":"Whether refinancing is worth it: the new payment, monthly saving, and how many months it takes to recover closing costs. Also compares lifetime interest, which "},{"name":"estimate_closing_costs","description":"Line-by-line buyer closing costs — lender fees, title, appraisal, transfer taxes, prepaid escrow — plus total cash needed at the table including the down paymen"},{"name":"calculate_rent_vs_buy","description":"Compares renting and buying on net wealth rather than on monthly payment, accounting for equity, appreciation, maintenance, selling costs, and the return a rent"},{"name":"compare_loans","description":"Compares two to five loan scenarios and reports which is cheapest by monthly payment and which by lifetime cost, separately, because they frequently are not the"},{"name":"get_state_mortgage_rules","description":"How property tax actually works in one state: how assessed value is derived, any statutory growth cap, the billing cycle, named exemptions such as homestead, th"},{"name":"list_states","description":"Every US state with its average effective property tax rate, median home value and estimated annual tax. Sortable, so it answers 'which states have the highest "}],"toolCount":11,"serverName":"usmortgagecalc","capabilities":["tools","resources","prompts"],"serverVersion":"1.0.0","protocolVersion":"2025-06-18"}}],"tools":[{"name":"calculate_mortgage","description":"Full monthly housing cost for a US mortgage: principal and interest, property tax, homeowners insurance, mortgage insurance and HOA dues, plus lifetime totals a"},{"name":"calculate_amortization","description":"Payment-by-payment breakdown of how a loan is repaid, showing the split between principal and interest and the falling balance. Use granularity 'monthly' for th"},{"name":"calculate_pmi","description":"Mortgage insurance for any US loan programme, including the upfront charges most calculators omit. Conventional: monthly PMI and the month it cancels at 80% and"},{"name":"calculate_property_tax","description":"Annual and monthly property tax for a home, using a state's average effective rate. Also returns how that state ranks nationally and how its rate compares with "},{"name":"calculate_affordability","description":"Maximum affordable home price from income, existing debt payments and available down payment, using the 28/36 qualifying ratios. Reports which of the two ratios"},{"name":"calculate_refinance","description":"Whether refinancing is worth it: the new payment, monthly saving, and how many months it takes to recover closing costs. Also compares lifetime interest, which "},{"name":"estimate_closing_costs","description":"Line-by-line buyer closing costs — lender fees, title, appraisal, transfer taxes, prepaid escrow — plus total cash needed at the table including the down paymen"},{"name":"calculate_rent_vs_buy","description":"Compares renting and buying on net wealth rather than on monthly payment, accounting for equity, appreciation, maintenance, selling costs, and the return a rent"},{"name":"compare_loans","description":"Compares two to five loan scenarios and reports which is cheapest by monthly payment and which by lifetime cost, separately, because they frequently are not the"},{"name":"get_state_mortgage_rules","description":"How property tax actually works in one state: how assessed value is derived, any statutory growth cap, the billing cycle, named exemptions such as homestead, th"},{"name":"list_states","description":"Every US state with its average effective property tax rate, median home value and estimated annual tax. Sortable, so it answers 'which states have the highest "}],"package":null},"verification":{"claimed":false,"claimedAt":null,"proofs":[]},"provenance":{"sources":[{"source":"mcp_registry","key":"com.usmortgagecalc/mortgage","url":"https://registry.modelcontextprotocol.io/v0/servers/com.usmortgagecalc%2Fmortgage","firstSeenAt":"2026-09-05T22:18:27.549Z","fetchedAt":"2026-09-05T22:18:27.549Z","normalizedAt":"2026-09-05T22:18:27.549Z"}]},"firstSeenAt":"2026-09-05T22:18:27.549Z","updatedAt":"2026-09-06T00:28:24.982Z"}