compare_business_mortgagesCompare commercial real estate financing options for business properties
| Name | Required | Description | Default |
|---|---|---|---|
| state | No | US state. | |
| amount | No | Requested amount. | |
| purpose | No | What the amount is for. | |
| homePrice | No | Property value for a mortgage comparison. | |
| principal | No | Principal when loanAmount is omitted. | |
| loanAmount | No | Requested amount. | |
| creditScore | No | Credit score used to filter options. |
Changes observed during successful MCP inspections.
Input schema / additionalPropertiesPrevious value: -trueNew value: +falseInput schema / propertiesAdded value: +{
+ "amount": {
+ "description": "Requested amount.",
+ "type": "number"
+ },
+ "creditScore": {
+ "description": "Credit score used to filter options.",
+ "type": "number"
+ },
+ "homePrice": {
+ "description": "Property value for a mortgage comparison.",
+ "type": "number"
+ },
+ "loanAmount": {
+ "description": "Requested amount.",
+ "type": "number"
+ },
+ "principal": {
+ "description": "Principal when loanAmount is omitted.",
+ "type": "number"
+ },
+ "purpose": {
+ "description": "What the amount is for.",
+ "type": "string"
+ },
+ "state": {
+ "description": "US state.",
+ "type": "string"
+ }
+}Input schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "creditScore": {
- "description": "The applicant's estimated credit score (500-850).",
- "maximum": 850,
- "minimum": 500,
- "type": "number"
- },
- "downPayment": {
- "description": "The amount of the down payment in USD.",
- "minimum": 0,
- "type": "number"
- },
- "homePrice": {
- "description": "The purchase price of the home in USD.",
- "maximum": 5000000,
- "minimum": 50000,
- "type": "number"
- },
- "loanAmount": {
- "description": "The desired mortgage loan amount in USD.",
- "maximum": 2000000,
- "minimum": 50000,
- "type": "number"
- },
- "loanType": {
- "description": "The type of mortgage loan.",
- "enum": [
- "conventional",
- "fha",
- "va",
- "jumbo",
- "refinance"
- ],
- "type": "string"
- },
- "propertyType": {
- "description": "The intended use of the property.",
- "enum": [
- "primary",
- "secondary",
- "investment"
- ],
- "type": "string"
- },
- "state": {
- "description": "The state where the property is located (2-letter code).",
- "type": "string"
- }
-}Input schema / requiredRemoved value: -[
- "loanAmount",
- "loanType"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "metadata": {
- "additionalProperties": false,
- "properties": {
- "queryId": {
- "type": "string"
- },
- "sessionId": {
- "type": "string"
- },
- "timestamp": {
- "type": "string"
- }
- },
- "required": [
- "queryId",
- "timestamp"
- ],
- "type": "object"
- },
- "offers": {
- "items": {
- "additionalProperties": false,
- "properties": {
- "disclaimer": {
- "description": "A disclaimer message, e.g., if the offer is an estimate.",
- "type": "string"
- },
- "fees": {
- "additionalProperties": false,
- "description": "Any fees associated with the loan.",
- "properties": {
- "origination": {
- "additionalProperties": false,
- "description": "Fee charged by the lender for processing the loan.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The origination fee amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "percentage": {
- "description": "The origination fee as a percentage of the loan amount.",
- "type": "number"
- }
- },
- "required": [
- "amount"
- ],
- "type": "object"
- }
- },
- "type": "object"
- },
- "isEstimate": {
- "description": "Indicates if the offer terms are an estimate and not a firm quote.",
- "type": "boolean"
- },
- "isSecureLendTenant": {
- "description": "Indicates if the offer is from a SecureLend-managed tenant.",
- "type": "boolean"
- },
- "lender": {
- "additionalProperties": false,
- "description": "Details about the lender providing the offer.",
- "properties": {
- "id": {
- "description": "The unique identifier for the lender.",
- "type": "string"
- },
- "name": {
- "description": "The display name of the lender.",
- "type": "string"
- },
- "type": {
- "description": "The type of lending institution (e.g., 'Bank', 'Credit Union').",
- "type": "string"
- }
- },
- "required": [
- "id",
- "name",
- "type"
- ],
- "type": "object"
- },
- "matching": {
- "additionalProperties": false,
- "description": "Information about how the offer was matched.",
- "properties": {
- "matchReasons": {
- "description": "Reasons for the match score.",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "matchScore": {
- "description": "A score indicating how well the offer matches the search criteria.",
- "type": "number"
- }
- },
- "type": "object"
- },
- "offerId": {
- "description": "A unique identifier for this specific loan offer.",
- "type": "string"
- },
- "process": {
- "additionalProperties": false,
- "description": "Details about the application and funding process.",
- "properties": {
- "applicationMethod": {
- "description": "How to apply for the loan.",
- "enum": [
- "online",
- "phone",
- "in_person"
- ],
- "type": "string"
- },
- "applicationUrl": {
- "description": "The URL to the online application form.",
- "format": "uri",
- "type": "string"
- },
- "fundingSpeed": {
- "additionalProperties": false,
- "description": "Information on how quickly the loan is funded.",
- "properties": {
- "description": {
- "description": "Estimated time to receive funds.",
- "type": "string"
- }
- },
- "required": [
- "description"
- ],
- "type": "object"
- }
- },
- "required": [
- "applicationMethod"
- ],
- "type": "object"
- },
- "product": {
- "additionalProperties": false,
- "description": "Details about the financial product.",
- "properties": {
- "description": {
- "description": "A brief description of the product.",
- "type": "string"
- },
- "name": {
- "description": "The name of the financial product being offered.",
- "type": "string"
- },
- "type": {
- "description": "The category of the financial product.",
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- }
- },
- "required": [
- "name",
- "type"
- ],
- "type": "object"
- },
- "terms": {
- "additionalProperties": false,
- "description": "The terms and conditions of the loan offer.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The principal loan amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "interestRate": {
- "additionalProperties": false,
- "description": "Details about the interest rate.",
- "properties": {
- "apr": {
- "description": "The Annual Percentage Rate, including fees.",
- "type": "number"
- },
- "rate": {
- "description": "The nominal interest rate.",
- "type": "number"
- },
- "type": {
- "description": "The type of interest rate.",
- "enum": [
- "fixed",
- "variable"
- ],
- "type": "string"
- }
- },
- "required": [
- "type",
- "rate",
- "apr"
- ],
- "type": "object"
- },
- "payment": {
- "additionalProperties": false,
- "description": "Details about the repayment schedule.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The amount of each payment.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "frequency": {
- "const": "monthly",
- "description": "The frequency of payments.",
- "type": "string"
- }
- },
- "required": [
- "frequency",
- "amount"
- ],
- "type": "object"
- },
- "prepaymentPenalty": {
- "description": "Indicates if there is a penalty for early repayment.",
- "type": "boolean"
- },
- "repayment": {
- "additionalProperties": false,
- "description": "Summary of repayment details.",
- "properties": {
- "costOfFinancing": {
- "description": "The total cost of borrowing (interest and fees).",
- "type": "number"
- },
- "totalRepaymentAmount": {
- "description": "The total amount to be repaid over the life of the loan.",
- "type": "number"
- }
- },
- "required": [
- "totalRepaymentAmount",
- "costOfFinancing"
- ],
- "type": "object"
- },
- "termMonths": {
- "description": "The duration of the loan in months.",
- "type": "number"
- },
- "totalCost": {
- "additionalProperties": false,
- "description": "The total cost of the loan, including interest and fees.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- }
- },
- "required": [
- "amount",
- "interestRate",
- "termMonths"
- ],
- "type": "object"
- }
- },
- "required": [
- "offerId",
- "lender",
- "product",
- "terms",
- "process",
- "isSecureLendTenant"
- ],
- "type": "object"
- },
- "type": "array"
- },
- "summary": {
- "additionalProperties": false,
- "properties": {
- "bestRate": {
- "type": "number"
- },
- "fastestFunding": {
- "type": "string"
- },
- "totalOffers": {
- "type": "number"
- }
- },
- "required": [
- "totalOffers",
- "bestRate",
- "fastestFunding"
- ],
- "type": "object"
- }
- },
- "required": [
- "offers",
- "summary",
- "metadata"
- ],
- "type": "object"
-}New value: +nullDoes the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false and openWorldHint=false, so safety is covered. The description adds nothing beyond that: it does not say where the comparables come from, whether results are filtered by creditScore/state, or how many options are returned — leaving a seven-parameter search opaque.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
A single clean, front-loaded sentence with no filler, but it is sized more for a one-parameter lookup than a seven-parameter comparison with overlapping inputs. Conciseness here tips into under-specification rather than efficiency.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
With seven optional parameters, no required fields, mutually exclusive amount/loanAmount sourcing and no output schema, the description should clarify which inputs drive a valid comparison. It provides none of that, so an agent cannot confidently construct a correct call from the description alone.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 100%, so per calibration the baseline is 3. The description adds no guidance on the genuinely confusing overlap between amount, loanAmount, principal and homePrice (the schema itself repeats 'Requested amount.' for two fields and says principal applies 'when loanAmount is omitted'), so it neither helps nor hurts.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
States a specific verb (Compare) and resource (commercial real estate financing options) with a scope qualifier ('business properties'), which separates it from compare_personal_mortgages and generic lending tools. It never names compare_business_loans or explains the boundary, so differentiation is implied rather than explicit.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
There is no when-to-use guidance at all — nothing says when to pick this over compare_business_loans, compare_personal_mortgages, or calculate_mortgage_payment, nor what the user must supply first. The agent must infer usage purely from the name.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
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