compare_business_mortgages
Compare commercial real estate financing options for business properties
Input Schema
TableJSON Schema
| Name | Required | Description | Default |
|---|---|---|---|
No arguments | |||
SecureLend Market
Schema Changelog
Changes observed during successful MCP inspections.
Changed5 schema fields changed
- removed
Input schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#" - added
Input schema / additionalPropertiesAdded value: +true - removed
Input schema / propertiesRemoved value: -{ - "creditScore": { - "description": "The applicant's estimated credit score (500-850).", - "maximum": 850, - "minimum": 500, - "type": "number" - }, - "downPayment": { - "description": "The amount of the down payment in USD.", - "minimum": 0, - "type": "number" - }, - "homePrice": { - "description": "The purchase price of the home in USD.", - "maximum": 5000000, - "minimum": 50000, - "type": "number" - }, - "loanAmount": { - "description": "The desired mortgage loan amount in USD.", - "maximum": 2000000, - "minimum": 50000, - "type": "number" - }, - "loanType": { - "description": "The type of mortgage loan.", - "enum": [ - "conventional", - "fha", - "va", - "jumbo", - "refinance" - ], - "type": "string" - }, - "propertyType": { - "description": "The intended use of the property.", - "enum": [ - "primary", - "secondary", - "investment" - ], - "type": "string" - }, - "state": { - "description": "The state where the property is located (2-letter code).", - "type": "string" - } -} - removed
Input schema / requiredRemoved value: -[ - "loanAmount", - "loanType" -] - changed
Output schema / (root)Previous value: -{ - "$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: +null
- First observed
TDQS
B3.1/5.0
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations exist, so the description carries the full burden. It only says 'Compare' and does not disclose what behavior to expect, such as whether it fetches live rates, displays a table, or has side effects. The absence of output or format details leaves the agent guessing about the tool's behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness4/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single sentence that leads with the action verb. It is concise and has no filler, though 'commercial real estate' and 'business properties' are somewhat redundant and the phrase 'financing options' is generic.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness3/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a zero-parameter tool with no annotations and no output schema, this is minimally viable but thin. It does not explain what the comparison output looks like, what criteria are used, or how this tool fits among the many compare_* siblings. An agent could call it correctly based on intent, but not with full confidence.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters4/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The tool has zero parameters and an empty schema, so there are no parameter semantics for the description to supplement. The baseline for a parameterless tool is 4, and the description does not need to explain inputs that do not exist.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose4/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description states a specific action, 'Compare', and a clear resource: 'commercial real estate financing options for business properties'. It clearly distinguishes this from calculation and payment siblings, though it does not explicitly distinguish it from compare_business_loans or compare_personal_mortgages.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines2/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
There is no guidance on when to use this tool versus siblings like compare_business_loans, compare_personal_mortgages, or calculate_mortgage_payment. The verb 'Compare' implies a comparison use case, but no conditions, exclusions, or alternative-selection criteria are provided.
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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