UQUAL Loan Readiness

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      "isLatest": true,
      "updatedAt": "2026-11-06T20:46:58.37548Z",
      "publishedAt": "2026-11-06T20:46:58.37548Z",
      "statusChangedAt": "2026-11-06T20:46:58.37548Z"
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    "name": "com.uqual/loan-readiness",
    "_meta": {
      "io.modelcontextprotocol.registry/publisher-provided": {
        "tools": [
          {
            "name": "calculate_mortgage_dti",
            "title": "Calculate Mortgage DTI & Agency Limits",
            "readOnly": true
          },
          {
            "name": "calculate_mortgage_affordability",
            "title": "Calculate Mortgage Affordability & Purchasing Power",
            "readOnly": true
          },
          {
            "name": "compare_fha_vs_conventional",
            "title": "Compare FHA vs Conventional Mortgage Cost & Crossover",
            "readOnly": true
          },
          {
            "name": "check_down_payment_assistance",
            "title": "Check State HFA Down Payment Assistance Eligibility",
            "readOnly": true
          },
          {
            "name": "simulate_debt_payoff_and_readiness",
            "title": "Simulate Debt Payoff (Avalanche vs Snowball vs DTI-First)",
            "readOnly": true
          },
          {
            "name": "evaluate_loan_readiness_score",
            "title": "Evaluate 4-Pillar Loan Readiness Score 2.0",
            "readOnly": true
          },
          {
            "name": "request_uqual_loan_readiness_review",
            "title": "Request UQUAL 1-on-1 Loan Readiness Coach Review (Opt-In)",
            "readOnly": false
          }
        ],
        "prompts": [
          "mortgage-readiness-checkup",
          "dti-rescue-plan",
          "first-time-buyer-dpa-finder"
        ],
        "category": "finance",
        "resources": [
          "uqual://guides/mortgage-readiness-overview",
          "uqual://guides/state-dpa-programs",
          "uqual://guides/fha-vs-conventional"
        ],
        "playgroundUrl": "https://uqual.com/plugins/playground",
        "authentication": "none"
      }
    },
    "icons": [
      {
        "src": "https://uqual.com/uqual-logo-plate.png",
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    ],
    "title": "UQUAL Loan Readiness",
    "$schema": "https://static.modelcontextprotocol.io/schemas/2025-12-11/server.schema.json",
    "remotes": [
      {
        "url": "https://uqual.com/mcp",
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    "version": "1.0.0",
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      "url": "https://github.com/drewTuzson/uqual-loan-readiness",
      "source": "github"
    },
    "websiteUrl": "https://uqual.com",
    "description": "Powered by UQUAL loan readiness tools, educational calculations and agency references."
  }
}

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calculate_mortgage_affordability Read-only

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.

creditScoreinteger, required

Representative middle FICO mortgage credit score (300 to 850).

liquidSavingsnumber, required

Total verifiable liquid cash available for down payment, closing costs, and reserves in USD.

grossMonthlyIncomenumber, required

Gross pre-tax monthly household income in USD.

dtiModestring

Underwriting DTI ceiling posture: conservative 36%, standard 43%, or automated underwriting max 50%.

monthlyHoanumber

Estimated monthly HOA dues in USD.

loanTermYearsstring

Mortgage amortization term in years (15 or 30).

reserveMonthsstring

Post-closing PITI reserve months target (0, 1, 3, or 6).

closingCostPctnumber

Estimated buyer closing costs as percentage of purchase price.

interestRatePctnumber

Annual note interest rate percentage (for example 6.5).

selectedProgramstring

Primary mortgage program to highlight alongside the 4-program comparison.

monthlyInsurancenumber

Estimated monthly homeowners insurance premium in USD.

propertyTaxRatePctnumber

Annual property tax rate as percentage of purchase price (for example 1.25, or 2.1 for Texas).

customDownPaymentPctnumber

Optional custom down payment percentage override (for example 5 or 10).

monthlyNonHousingDebtnumber

Total recurring monthly non-housing debt payments in USD.

sellerConcessionsDollarsnumber

Anticipated seller closing cost credits in USD.

Try it

Call this server's tools from your browser. Nothing to install.

https://uqual.com/mcp

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Tool list from our last check. Connect live to refresh it.

calculate_mortgage_affordability Read-only

creditScoreinteger, required

Representative middle FICO mortgage credit score (300 to 850).

liquidSavingsnumber, required

Total verifiable liquid cash available for down payment, closing costs, and reserves in USD.

grossMonthlyIncomenumber, required

Gross pre-tax monthly household income in USD.

dtiModestring

Underwriting DTI ceiling posture: conservative 36%, standard 43%, or automated underwriting max 50%.

monthlyHoanumber

Estimated monthly HOA dues in USD.

loanTermYearsstring

Mortgage amortization term in years (15 or 30).

reserveMonthsstring

Post-closing PITI reserve months target (0, 1, 3, or 6).

closingCostPctnumber

Estimated buyer closing costs as percentage of purchase price.

interestRatePctnumber

Annual note interest rate percentage (for example 6.5).

selectedProgramstring

Primary mortgage program to highlight alongside the 4-program comparison.

monthlyInsurancenumber

Estimated monthly homeowners insurance premium in USD.

propertyTaxRatePctnumber

Annual property tax rate as percentage of purchase price (for example 1.25, or 2.1 for Texas).

customDownPaymentPctnumber

Optional custom down payment percentage override (for example 5 or 10).

monthlyNonHousingDebtnumber

Total recurring monthly non-housing debt payments in USD.

sellerConcessionsDollarsnumber

Anticipated seller closing cost credits in USD.

Tools (7)

calculate_mortgage_affordability

read-only

Argument	Type	Description
dtiMode	string	Underwriting DTI ceiling posture: conservative 36%, standard 43%, or automated underwriting max 50%.
monthlyHoa	number	Estimated monthly HOA dues in USD.
creditScore*	integer	Representative middle FICO mortgage credit score (300 to 850).
liquidSavings*	number	Total verifiable liquid cash available for down payment, closing costs, and reserves in USD.
loanTermYears	any	Mortgage amortization term in years (15 or 30).
reserveMonths	any	Post-closing PITI reserve months target (0, 1, 3, or 6).
closingCostPct	number	Estimated buyer closing costs as percentage of purchase price.
interestRatePct	number	Annual note interest rate percentage (for example 6.5).
selectedProgram	string	Primary mortgage program to highlight alongside the 4-program comparison.
monthlyInsurance	number	Estimated monthly homeowners insurance premium in USD.
grossMonthlyIncome*	number	Gross pre-tax monthly household income in USD.
propertyTaxRatePct	number	Annual property tax rate as percentage of purchase price (for example 1.25, or 2.1 for Texas).
customDownPaymentPct	number	Optional custom down payment percentage override (for example 5 or 10).
monthlyNonHousingDebt	number	Total recurring monthly non-housing debt payments in USD.
sellerConcessionsDollars	number	Anticipated seller closing cost credits in USD.

Input schema (JSON)

{
  "type": "object",
  "required": [
    "grossMonthlyIncome",
    "liquidSavings",
    "creditScore"
  ],
  "properties": {
    "dtiMode": {
      "enum": [
        "conservative_36",
        "standard_43",
        "aus_max_50"
      ],
      "type": "string",
      "default": "standard_43",
      "description": "Underwriting DTI ceiling posture: conservative 36%, standard 43%, or automated underwriting max 50%."
    },
    "monthlyHoa": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Estimated monthly HOA dues in USD."
    },
    "creditScore": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300,
      "description": "Representative middle FICO mortgage credit score (300 to 850)."
    },
    "liquidSavings": {
      "type": "number",
      "minimum": 0,
      "description": "Total verifiable liquid cash available for down payment, closing costs, and reserves in USD."
    },
    "loanTermYears": {
      "anyOf": [
        {
          "type": "number",
          "const": 15
        },
        {
          "type": "number",
          "const": 30
        }
      ],
      "default": 30,
      "description": "Mortgage amortization term in years (15 or 30)."
    },
    "reserveMonths": {
      "anyOf": [
        {
          "type": "number",
          "const": 0
        },
        {
          "type": "number",
          "const": 1
        },
        {
          "type": "number",
          "const": 3
        },
        {
          "type": "number",
          "const": 6
        }
      ],
      "default": 1,
      "description": "Post-closing PITI reserve months target (0, 1, 3, or 6)."
    },
    "closingCostPct": {
      "type": "number",
      "default": 3,
      "maximum": 10,
      "minimum": 0,
      "description": "Estimated buyer closing costs as percentage of purchase price."
    },
    "interestRatePct": {
      "type": "number",
      "default": 6.5,
      "maximum": 18,
      "minimum": 1,
      "description": "Annual note interest rate percentage (for example 6.5)."
    },
    "selectedProgram": {
      "enum": [
        "fha",
        "conventional",
        "va",
        "usda"
      ],
      "type": "string",
      "default": "fha",
      "description": "Primary mortgage program to highlight alongside the 4-program comparison."
    },
    "monthlyInsurance": {
      "type": "number",
      "default": 175,
      "minimum": 0,
      "description": "Estimated monthly homeowners insurance premium in USD."
    },
    "grossMonthlyIncome": {
      "type": "number",
      "description": "Gross pre-tax monthly household income in USD.",
      "exclusiveMinimum": 0
    },
    "propertyTaxRatePct": {
      "type": "number",
      "default": 1.25,
      "maximum": 6,
      "minimum": 0,
      "description": "Annual property tax rate as percentage of purchase price (for example 1.25, or 2.1 for Texas)."
    },
    "customDownPaymentPct": {
      "type": "number",
      "maximum": 80,
      "minimum": 0,
      "description": "Optional custom down payment percentage override (for example 5 or 10)."
    },
    "monthlyNonHousingDebt": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Total recurring monthly non-housing debt payments in USD."
    },
    "sellerConcessionsDollars": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Anticipated seller closing cost credits in USD."
    }
  },
  "description": "Inputs for maximum home purchase price, PITI + MIP/PMI + HOA breakdown, cash-to-close, and credit/debt purchasing power expansion."
}

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 (29/41), plus exact monthly dollar debt reduction needed.

read-only

Argument	Type	Description
hoaOrMudDues	number	Monthly HOA, condo, or MUD dues in USD.
propertyTaxes	number	Monthly property tax escrow amount in USD.
autoLoanPayments	number	Total monthly auto loan or lease payments in USD.
otherMonthlyDebt	number	Optional combined non-housing monthly debt payments (excluding student loans if studentLoanBalance is provided).
estimatedPmiOrMip	number	Monthly private mortgage insurance (PMI) or FHA/USDA annual fee in USD.
creditCardMinimums	number	Total monthly minimum payments across revolving credit cards in USD.
grossMonthlyIncome*	number	Gross pre-tax monthly qualifying household income in USD (for example 7500).

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).

read-only

Argument	Type	Description
state*	string	US state code or name (deep HFA rules for TX, FL, CO, GA, NC, plus national baseline for any other state).
homePrice*	number	Target home purchase price in USD (for example 360000).
buyerStatus	string	Buyer status: first_time (no homeownership in past 3 years), workforce_hero (veteran, educator, healthcare, first responder), or repeat_buyer.
creditScore*	integer	Representative middle credit score (300 to 850).
grossMonthlyIncome*	number	Gross monthly household income in USD.
liquidCashAvailable	number	Current liquid savings available for closing in USD.
secondLienStructure	string

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.

read-only

Argument	Type	Description
homePrice*	number	Target home purchase price in USD (for example 375000).
monthlyHoa	number	Monthly HOA dues in USD.
creditScore*	integer	Representative middle credit score (300 to 850).
fhaBaseRatePct	number	Base 30-year fixed FHA note rate percentage.
convBaseRatePct	number	Par 30-year fixed Conventional note rate percentage before credit-tier LLPA delta.
downPaymentMode	string	Down payment comparison mode: minimum required (3.5% FHA vs 3% FTHB / 5% repeat Conv) or matched LTV.
isFirstTimeBuyer	boolean	Whether buyer qualifies for 3% down first-time/HomeReady/Home Possible Conventional vs 5% standard repeat-buyer minimum.

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.

read-only

Argument	Type	Description
vaEligible	boolean	Whether borrower has eligible military/veteran service for VA home loan review.
targetProgram	string	Target loan program benchmark or best_fit auto-selection.
liquidAssetsUsd*	number	Total verifiable liquid savings/checking/reserve assets in USD.
targetHomePrice*	number	Target home purchase price in USD.
dpaAssistanceUsd	number	Optional estimated Down Payment Assistance (DPA) in USD applied toward cash-to-close.
employmentMonths	integer	Months of continuous verifiable W-2 or documented self-employed income history.
creditMiddleScore*	integer	Representative middle credit score (300 to 850).

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.

Argument	Type	Description
name	string	Borrower full name (required when explicitUserConsent is true; omit when false).
email	string	Borrower email address (required when explicitUserConsent is true; omit when false).
phone	string	Borrower 10+ digit phone number for coach follow-up (required when explicitUserConsent is true; omit when false).
state	string	Optional US state where the borrower plans to purchase.
dryRun	boolean	Set true for local testing or schema dry-runs so no live external request is sent to uqual.com/api/seo-leads.
goalSummary	string	Optional short summary of purchase timeline, target home price, or primary readiness blocker.
pillarScores	object	Optional map of normalized 0-100 pillar scores.
readinessTier	string	Optional readiness tier label from a prior calculation.

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.

read-only

Argument	Type	Description
debts*	array	List of consumer revolving and installment debts to optimize.
agencyRule	string	Underwriting rule set for <=10 remaining installment payment exclusions.
grossMonthlyIncome	number	Optional gross monthly income in USD to calculate exact back-end DTI improvement.
extraMonthlyPayment	number	Extra monthly dollar amount above minimum payments dedicated to debt paydown.
lumpSumCashAvailable	number	Optional one-time Month 1 lump sum available for rapid DTI/utilization paydown in USD.
proposedHousingPayment	number	Optional proposed monthly housing PITI payment in USD for back-end DTI tracking.

Input schema (JSON)

{
  "type": "object",
  "required": [
    "debts"
  ],
  "properties": {
    "debts": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "id",
          "name",
          "type",
          "balance",
          "apr",
          "minimumPayment"
        ],
        "properties": {
          "id": {
            "type": "string",
            "minLength": 1,
            "description": "Unique identifier for this tradeline."
          },
          "apr": {
            "type": "number",
            "maximum": 60,
            "minimum": 0,
            "description": "Annual percentage interest rate (for example 22.99)."
          },
          "name": {
            "type": "string",
            "minLength": 1,
            "description": "Display name of the debt (for example Chase Visa or Auto Loan)."
          },
          "type": {
            "enum": [
              "credit_card",
              "auto_loan",
              "student_loan",
              "personal_loan",
              "medical_other"
            ],
            "type": "string",
            "description": "Tradeline category (revolving credit_card vs installment debt)."
          },
          "balance": {
            "type": "number",
            "minimum": 0,
            "description": "Current unpaid balance in USD."
          },
          "creditLimit": {
            "type": "number",
            "description": "Credit limit in USD (required for revolving utilization calculations on credit_card accounts).",
            "exclusiveMinimum": 0
          },
          "minimumPayment": {
            "type": "number",
            "description": "Required minimum monthly payment in USD.",
            "exclusiveMinimum": 0
          },
          "remainingPaymentsMonths": {
            "type": "integer",
            "maximum": 600,
            "minimum": 1,
            "description": "Optional remaining monthly installment payments (inferred from balance/payment if omitted)."
          }
        }
      },
      "maxItems": 30,
      "minItems": 1,
      "description": "List of consumer revolving and installment debts to optimize."
    },
    "agencyRule": {
      "enum": [
        "fannie_freddie",
        "fha",
        "va"
      ],
      "type": "string",
      "default": "fannie_freddie",
      "description": "Underwriting rule set for <=10 remaining installment payment exclusions."
    },
    "grossMonthlyIncome": {
      "type": "number",
      "description": "Optional gross monthly income in USD to calculate exact back-end DTI improvement.",
      "exclusiveMinimum": 0
    },
    "extraMonthlyPayment": {
      "type": "number",
      "default": 200,
      "minimum": 0,
      "description": "Extra monthly dollar amount above minimum payments dedicated to debt paydown."
    },
    "lumpSumCashAvailable": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Optional one-time Month 1 lump sum available for rapid DTI/utilization paydown in USD."
    },
    "proposedHousingPayment": {
      "type": "number",
      "minimum": 0,
      "description": "Optional proposed monthly housing PITI payment in USD for back-end DTI tracking."
    }
  },
  "description": "Inputs for Avalanche vs Snowball vs Mortgage-Readiness DTI-First debt payoff and utilization simulation."
}

{ "type": "object", "required": [ "grossMonthlyIncome" ], "properties": { "hoaOrMudDues": { "type": "number", "minimum": 0, "description": "Monthly HOA, condo, or MUD dues in USD." }, "propertyTaxes": { "type": "number", "minimum": 0, "description": "Monthly property tax escrow amount in USD." }, "autoLoanPayments": { "type": "number", "minimum": 0, "description": "Total monthly auto loan or lease payments in USD." }, "otherMonthlyDebt": { "type": "number", "minimum": 0, "description": "Optional combined non-housing monthly debt payments (excluding student loans if studentLoanBalance is provided)." }, "estimatedPmiOrMip": { "type": "number", "minimum": 0, "description": "Monthly private mortgage insurance (PMI) or FHA/USDA annual fee in USD." }, "creditCardMinimums": { "type": "number", "minimum": 0, "description": "Total monthly minimum payments across revolving credit cards in USD." }, "grossMonthlyIncome": { "type": "number", "description": "Gross pre-tax monthly qualifying household income in USD (for example 7500).", "exclusiveMinimum": 0 }, "studentLoanBalance": { "type": "number", "default": 0, "minimum": 0, "description": "Total outstanding student loan balance in USD." }, "debtBalanceToPayOff": { "type": "number", "minimum": 0, "description": "Optional target debt balance to eliminate in lump-sum DTI tradeoff simulation in USD." }, "homeownersInsurance": { "type": "number", "minimum": 0, "description": "Monthly hazard/homeowners insurance amount in USD." }, "studentLoanPlanType": { "enum": [ "idr_zero", "idr_positive", "forbearance_deferment", "standard_amortizing" ], "type": "string", "default": "forbearance_deferment", "description": "Repayment status of federal or private student loans." }, "availableLumpSumCash": { "type": "number", "minimum": 0, "description": "Optional liquid cash available to test lump-sum debt paydown vs reserve retention in USD." }, "principalAndInterest": { "type": "number", "minimum": 0, "description": "Monthly mortgage principal and interest payment in USD." }, "proposedHousingPayment": { "type": "number", "minimum": 0, "description": "Optional total monthly proposed PITI + MIP/PMI + HOA housing payment in USD. Used when individual housing components are omitted." }, "alimonyChildSupportOther": { "type": "number", "minimum": 0, "description": "Monthly court-ordered support or other recurring credit-report obligations in USD." }, "monthlyPaymentEliminated": { "type": "number", "minimum": 0, "description": "Optional monthly payment eliminated if target debt is paid off in USD." }, "personalInstallmentLoans": { "type": "number", "minimum": 0, "description": "Total monthly personal or installment loan payments in USD." }, "selectedStudentLoanAgency": { "enum": [ "fannieMae", "freddieMac", "fha", "va" ], "type": "string", "default": "fha", "description": "Agency rule used to impute or accept monthly student loan payment." }, "reportedStudentLoanPayment": { "type": "number", "default": 0, "minimum": 0, "description": "Monthly student loan payment shown on credit report or servicer letter in USD." } }, "description": "Inputs for deterministic front-end and back-end mortgage DTI calculation across FHA, Conventional, VA, and USDA." }

{ "type": "object", "required": [ "state", "homePrice", "creditScore", "grossMonthlyIncome" ], "properties": { "state": { "type": "string", "maxLength": 40, "minLength": 2, "description": "US state code or name (deep HFA rules for TX, FL, CO, GA, NC, plus national baseline for any other state)." }, "homePrice": { "type": "number", "description": "Target home purchase price in USD (for example 360000).", "exclusiveMinimum": 0 }, "buyerStatus": { "enum": [ "first_time", "workforce_hero", "repeat_buyer" ], "type": "string", "default": "first_time", "description": "Buyer status: first_time (no homeownership in past 3 years), workforce_hero (veteran, educator, healthcare, first responder), or repeat_buyer." }, "creditScore": { "type": "integer", "maximum": 850, "minimum": 300, "description": "Representative middle credit score (300 to 850)." }, "grossMonthlyIncome": { "type": "number", "description": "Gross monthly household income in USD.", "exclusiveMinimum": 0 }, "liquidCashAvailable": { "type": "number", "default": 9500, "minimum": 0, "description": "Current liquid savings available for closing in USD." }, "secondLienStructure": { "enum": [ "deferred_silent", "forgivable_5yr", "amortizing_2nd", "outright_grant" ], "type": "string", "description": "Optional second-lien repayment structure override (defaults to the state HFA flagship structure)." }, "firstMortgageProgram": { "enum": [ "fha_35", "conv_3", "va_0", "usda_0" ], "type": "string", "default": "fha_35", "description": "Paired first-lien mortgage structure." }, "monthlyNonHousingDebt": { "type": "number", "default": 550, "minimum": 0, "description": "Monthly recurring non-housing debt payments in USD." } }, "description": "Inputs for state HFA down payment assistance eligibility and award estimation (TX TSAHC/TDHCA, FL Hometown Heroes/Florida Housing, CO CHFA, GA Georgia Dream, NC NCHFA, and national baseline)." }

{ "type": "object", "required": [ "homePrice", "creditScore" ], "properties": { "homePrice": { "type": "number", "description": "Target home purchase price in USD (for example 375000).", "exclusiveMinimum": 0 }, "monthlyHoa": { "type": "number", "default": 0, "minimum": 0, "description": "Monthly HOA dues in USD." }, "creditScore": { "type": "integer", "maximum": 850, "minimum": 300, "description": "Representative middle credit score (300 to 850)." }, "fhaBaseRatePct": { "type": "number", "default": 6.25, "maximum": 18, "minimum": 1, "description": "Base 30-year fixed FHA note rate percentage." }, "convBaseRatePct": { "type": "number", "default": 6.625, "maximum": 18, "minimum": 1, "description": "Par 30-year fixed Conventional note rate percentage before credit-tier LLPA delta." }, "downPaymentMode": { "enum": [ "min_required", "5_both", "10_both", "15_both", "20_both" ], "type": "string", "default": "min_required", "description": "Down payment comparison mode: minimum required (3.5% FHA vs 3% FTHB / 5% repeat Conv) or matched LTV." }, "isFirstTimeBuyer": { "type": "boolean", "default": true, "description": "Whether buyer qualifies for 3% down first-time/HomeReady/Home Possible Conventional vs 5% standard repeat-buyer minimum." }, "monthlyInsurance": { "type": "number", "default": 165, "minimum": 0, "description": "Monthly homeowners insurance premium in USD." }, "grossMonthlyIncome": { "type": "number", "default": 8500, "description": "Gross monthly household income in USD for DTI comparison.", "exclusiveMinimum": 0 }, "propertyTaxRatePct": { "type": "number", "default": 1.25, "maximum": 6, "minimum": 0, "description": "Annual property tax rate percentage." }, "holdingHorizonYears": { "anyOf": [ { "type": "number", "const": 5 }, { "type": "number", "const": 7 }, { "type": "number", "const": 10 }, { "type": "number", "const": 30 } ], "default": 7, "description": "Primary holding horizon in years (5, 7, 10, or 30); 5-year and 10-year totals are always included." }, "monthlyNonHousingDebt": { "type": "number", "default": 650, "minimum": 0, "description": "Recurring monthly non-housing debt obligations in USD." } }, "description": "Inputs for side-by-side FHA vs Conventional loan comparison, 5-year and 10-year total cost, PMI cancellation, and exact credit score crossover point." }

{ "type": "object", "required": [ "creditMiddleScore", "grossMonthlyIncome", "monthlyNonHousingDebt", "targetHomePrice", "liquidAssetsUsd" ], "properties": { "vaEligible": { "type": "boolean", "default": false, "description": "Whether borrower has eligible military/veteran service for VA home loan review." }, "targetProgram": { "enum": [ "best_fit", "fha-purchase", "conforming-purchase", "homeready", "home-possible", "va-purchase", "usda-purchase" ], "type": "string", "default": "best_fit", "description": "Target loan program benchmark or best_fit auto-selection." }, "liquidAssetsUsd": { "type": "number", "minimum": 0, "description": "Total verifiable liquid savings/checking/reserve assets in USD." }, "targetHomePrice": { "type": "number", "description": "Target home purchase price in USD.", "exclusiveMinimum": 0 }, "dpaAssistanceUsd": { "type": "number", "default": 0, "minimum": 0, "description": "Optional estimated Down Payment Assistance (DPA) in USD applied toward cash-to-close." }, "employmentMonths": { "type": "integer", "default": 24, "maximum": 600, "minimum": 0, "description": "Months of continuous verifiable W-2 or documented self-employed income history." }, "creditMiddleScore": { "type": "integer", "maximum": 850, "minimum": 300, "description": "Representative middle credit score (300 to 850)." }, "usdaRuralEligible": { "type": "boolean", "default": false, "description": "Whether target property area is eligible under USDA Rural Development guidelines." }, "grossMonthlyIncome": { "type": "number", "description": "Gross monthly qualifying income in USD.", "exclusiveMinimum": 0 }, "documentsReadyCount": { "type": "integer", "default": 3, "maximum": 4, "minimum": 0, "description": "Number of core underwriting document packets ready (0 to 4: 2yr tax returns, 2yr W-2/1099, 30d pay stubs, 2mo bank statements)." }, "monthlyNonHousingDebt": { "type": "number", "minimum": 0, "description": "Recurring monthly non-housing debt obligations in USD." }, "plannedDownPaymentPct": { "type": "number", "default": 3.5, "maximum": 80, "minimum": 0, "description": "Planned down payment percentage of purchase price (for example 3.5 for FHA or 5 for Conventional)." }, "proposedHousingPayment": { "type": "number", "minimum": 0, "description": "Optional proposed monthly PITI housing payment in USD (auto-calculated from targetHomePrice if omitted)." }, "hardInquiriesLast90Days": { "type": "integer", "default": 0, "maximum": 20, "minimum": 0, "description": "Non-mortgage hard credit inquiries in the last 90 days." }, "revolvingUtilizationPct": { "type": "number", "default": 25, "maximum": 150, "minimum": 0, "description": "Aggregate revolving credit card utilization percentage (0 to 150)." }, "latePaymentsLast12Months": { "type": "integer", "default": 0, "maximum": 24, "minimum": 0, "description": "Count of 30+ day late credit report payments in the past 12 months." }, "monthsSinceMajorDerogatory": { "anyOf": [ { "type": "integer", "maximum": 240, "minimum": 0 }, { "type": "null" } ], "default": null, "description": "Months elapsed since bankruptcy discharge, foreclosure, or short sale (null if none)." } }, "description": "Inputs for UQUAL 4-Pillar Loan Readiness Score 2.0 (0-100) across Credit Middle Score, DTI, Down Payment/Reserves, and Credit Hygiene/Seasoning." }

{ "type": "object", "required": [ "explicitUserConsent" ], "properties": { "name": { "type": "string", "maxLength": 120, "minLength": 2, "description": "Borrower full name (required when explicitUserConsent is true; omit when false)." }, "email": { "type": "string", "format": "email", "pattern": "^(?:[A-Za-z0-9_'+\\-]+\\.)*[A-Za-z0-9_'+\\-]*[A-Za-z0-9_+-]@(?:[A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$", "maxLength": 254, "description": "Borrower email address (required when explicitUserConsent is true; omit when false)." }, "phone": { "type": "string", "pattern": "^(?:\\D*\\d){10,}\\D*$", "maxLength": 40, "minLength": 10, "description": "Borrower 10+ digit phone number for coach follow-up (required when explicitUserConsent is true; omit when false)." }, "state": { "type": "string", "maxLength": 40, "description": "Optional US state where the borrower plans to purchase." }, "dryRun": { "type": "boolean", "default": false, "description": "Set true for local testing or schema dry-runs so no live external request is sent to uqual.com/api/seo-leads." }, "goalSummary": { "type": "string", "maxLength": 500, "description": "Optional short summary of purchase timeline, target home price, or primary readiness blocker." }, "pillarScores": { "type": "object", "description": "Optional map of normalized 0-100 pillar scores.", "propertyNames": { "type": "string" }, "additionalProperties": { "type": "number", "maximum": 100, "minimum": 0 } }, "readinessTier": { "type": "string", "maxLength": 120, "description": "Optional readiness tier label from a prior calculation." }, "readinessScore": { "type": "number", "maximum": 100, "minimum": 0, "description": "Optional 0-100 readiness score from a prior calculation in this conversation." }, "primaryBottleneck": { "type": "string", "maxLength": 120, "description": "Optional primary bottleneck summary." }, "explicitUserConsent": { "type": "boolean", "description": "MUST be true ONLY after the user explicitly asks or consents to share their contact information with a UQUAL Loan Readiness Coach." } }, "description": "Opt-in lead handoff tool to request a personalized 1-on-1 UQUAL Loan Readiness Coach review via uqual.com/api/seo-leads." }

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