UQUAL Loan Readiness

UQUAL Loan Readiness Plugin (Universal 2026 Package)

UQUAL is a loan readiness platform that helps prospective homebuyers optimize credit, debt-to-income (DTI), and down payment readiness. UQUAL is not a traditional credit repair company and is not a licensed mortgage lender.

Educational loan readiness calculation only. This output does not pull credit, is not a credit repair service, and is not a mortgage loan commitment, Loan Estimate, or lender underwriting approval.

Included Capabilities (Zero Authentication Required)

• Calculate Mortgage DTI & Agency Limits (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...
• Calculate Mortgage Affordability & Purchasing Power (calculate_mortgage_affordability): 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.
• Compare FHA vs Conventional Mortgage Cost & Crossover (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.
• Check State HFA Down Payment Assistance Eligibility (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).
• Simulate Debt Payoff (Avalanche vs Snowball vs DTI-First) (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.
• Evaluate 4-Pillar Loan Readiness Score 2.0 (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.
• Request UQUAL 1-on-1 Loan Readiness Coach Review (Opt-In) (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.

Supported Marketplaces & Transports

• OpenAI ChatGPT Plugin Directory (Finance): Agent Plugins 1.0.0 plugin.json + remote Streamable HTTP MCP (https://uqual.com/mcp).
• Anthropic Claude Directory (Finance): .claude-plugin/plugin.json + .mcp.json (https://uqual.com/mcp).
• xAI Grok Marketplace (finance): plugin.json + .grok-plugin/marketplace-entry.json.
• Google Gemini CLI Extensions: gemini extensions install https://github.com/drewTuzson/uqual-loan-readiness (gemini-extension.json + GEMINI.md + skills/uqual-loan-readiness/SKILL.md).
• Official MCP Registry: com.uqual/loan-readiness (https://uqual.com/mcp Streamable HTTP).
• Interactive Developer Playground: https://uqual.com/plugins/playground

Privacy & Consent Policy

• Six of the seven tools are strictly read-only deterministic calculators (readOnlyHint: true, openWorldHint: false) that process numeric scenarios without collecting personal identifiers.
• request_uqual_loan_readiness_review (readOnlyHint: false, openWorldHint: true) requires explicitUserConsent: true and valid borrower contact details before sending a consultation request to UQUAL.
• Privacy Policy: https://uqual.com/privacy
• Terms of Service: https://uqual.com/terms
• Support: https://uqual.com/contact