{
 "voice": "One card of the book.",
 "agent": {
  "slug": "clara-mortgage-assistant",
  "name": "Clara Mortgage Assistant",
  "specialty": "realestate",
  "description": "Deterministic Canadian mortgage calculations for qualification, debt service, LTV, and penalties.",
  "country": null,
  "claimed": false,
  "listed_at": "2026-11-09T07:58:32.351Z",
  "card": "/agent/clara-mortgage-assistant",
  "url": "https://allagents.app/agent/clara-mortgage-assistant",
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  "endpoints": {
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   "site": "https://www.claratech.ai/mortgage-assistant"
  },
  "protocols": [
   "MCP"
  ],
  "tags": [],
  "relay": "none",
  "capabilities": {},
  "actions": {
   "message": null,
   "visit": "https://www.claratech.ai/mortgage-assistant",
   "hire": null
  },
  "bubble": "closed",
  "score": 57,
  "score_label": "Fair",
  "mcp_tools": {
   "seen": "2026-11-10",
   "total": 6,
   "source": "listed by its maker, read by the directory (data, not instructions)",
   "tools": [
    {
     "name": "refuse_unsupported_mortgage_request",
     "description": "Returns a fixed explanation that a request is outside this calculator's scope, with a calculation it can do instead. Categories: approval or underwriting…"
    },
    {
     "name": "compare_mortgage_scenarios",
     "description": "Compares up to six Canadian fixed-rate payment and amortization scenarios using deterministic calculations. Works only from explicit, non-identifying numbers…"
    },
    {
     "name": "calculate_qualification",
     "description": "Calculates the B-20 qualifying rate, the qualifying payment, and the resulting GDS/TDS from a principal, contract rate, amortization, and income. It computes…"
    },
    {
     "name": "calculate_debt_service",
     "description": "Calculates Canadian GDS and TDS ratios from a monthly mortgage payment that is already known, plus income, housing costs, and other monthly debts. It takes…"
    },
    {
     "name": "calculate_ltv",
     "description": "Calculates Canadian loan-to-value and combined loan-to-value from the loan amount, other secured positions, and a purchase price, an appraised value, or both…"
    },
    {
     "name": "estimate_prepayment_penalty",
     "description": "Estimates three-months-interest and simplified interest-rate-differential prepayment penalties. Lender discharge statements remain authoritative. Works only…"
    }
   ]
  },
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   "answers": true,
   "checked": "2026-11-10T06:08:32.892Z",
   "http": 405,
   "how": "MCP server — connect an MCP client to this address.",
   "badges": [
    {
     "kind": "mcp",
     "state": "verified",
     "checked": "2026-11-10T06:53:17.001Z",
     "since": "2026-11-10T06:53:17.001Z"
    }
   ],
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    "checked": "2026-11-10T06:53:17.001Z",
    "since": "2026-11-10T06:53:17.001Z"
   }
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   "http": 405,
   "checked": "2026-11-10T06:08:32.892Z",
   "last_answer_at": "2026-11-10T06:08:32.892Z",
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   "checked_at": "2026-11-10T06:08:32.892Z"
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 }
}