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Zeitro: Mortgage Guidelines

by com.zeitro
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Server Details

Verbatim Fannie Mae, Freddie Mac, FHA, VA and USDA mortgage guidelines, cited by document and page.

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Status
Healthy
Uptime
100.0% over the last 24 hours
Last Tested
Transport
Streamable HTTP · MCP 2025-11-25
URL
ChatGPT
–
Claude
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TDQS

Score is being calculated.

Available Tools

5 tools
calculate_dtiCalculate debt-to-income ratios
Read-onlyIdempotent
Inspect

Calculates front-end (housing) and back-end (total) debt-to-income ratios from monthly income and monthly payments, and compares them with the published limits of Fannie Mae, Freddie Mac, FHA, VA and USDA, automated and manual underwriting listed separately. Each limit carries its guideline citation (document, section, version, page, cite_as). With loan_amount, state and family_size it also returns VA's minimum residual income. Pure calculation: an estimate, not an underwriting decision.

Inputs: monthly_income (required), housing_payment (required), state, auto_loans, +8 more. Returns: object

calculate_fha_mipCalculate FHA mortgage insurance premium
Read-onlyIdempotent
Inspect

Calculates the FHA upfront and annual mortgage insurance premium (rates, dollar amounts, first-year monthly premium and how long the annual premium lasts) from the base loan amount, loan-to-value ratio, term and the case number date, using the HUD rate schedule in force for that date. Cites the Mortgagee Letter and HUD Handbook 4000.1 Appendix 1.0. Pure calculation: an estimate, not a loan approval.

Inputs: ltv (required), base_loan_amount (required), term_months, interest_rate, +3 more. Returns: object

get_document_pagesRead agency guideline pages
Read-onlyIdempotent
Inspect

Returns the full text of up to 5 consecutive pages of one agency guideline document (Fannie Mae, Freddie Mac, FHA, VA or USDA), with the document, version date, a ready-made citation and links. Useful when a passage is cut off or a table continues onto the next page.

Inputs: doc_id (required), start_page (required), end_page. Returns: object

list_documentsList agency guideline documents
Read-onlyIdempotent
Inspect

Lists the guideline documents of one agency (Fannie Mae, Freddie Mac, FHA, VA or USDA): doc_id, title, version date and the agency's official source link.

Inputs: lender (required). Returns: object

search_guidelinesSearch agency mortgage guidelines
Read-onlyIdempotent
Inspect

Searches the Fannie Mae, Freddie Mac, FHA, VA and USDA mortgage guidelines and returns the most relevant verbatim passages. Each passage includes the document, version date, page, a ready-made citation (cite_as), the official source link and a citation URL on zeitro.com. A focused question per call (for example 'FHA student loan monthly payment calculation') returns the best passages. Passages may contain HTML tables. Lender overlays are not included.

Inputs: question (required), top_k, doc_ids, lenders. Returns: object

Tool Schema Changelog

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