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US federal home-buying guides

federal_guide_us
Read-onlyIdempotent

UNITED STATES. Finds Payotte’s federal guides (rules that apply in every state): FHA, VA, USDA and conventional loans, PMI, down payment, credit score, debt-to-income, escrow, earnest money, closing costs, 1031 exchange, capital gains on a home sale, mortgage interest deduction, flood insurance, refinancing… Empty query = full list.

Input Schema

NameRequiredDescriptionDefault
queryNoTopic, e.g. "FHA loan requirements", "PMI".

Schema Changelog

Changes observed during successful MCP inspections.

  1. Added

TDQS

A3.9/5.0
Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare the safety profile (readOnly, idempotent, non-destructive, closed-world), so the description's remaining burden is lighter. It usefully adds that an empty query returns the full list, but says nothing about return format, result count, or ranking that an agent might need.

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?

Front-loaded with the country scope and the core action, and the trailing topic list, while long, is functional keyword surface for query matching. Slightly list-heavy, but nothing is redundant with the title or schema.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a read-only, closed-world search tool with one optional parameter, no output schema, and safety fully covered by annotations, the description supplies the topic vocabulary and empty-query behavior needed to call it correctly. Only the omission of any alternative-tool routing keeps it from being complete.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

With 100% schema coverage on a single optional 'query' parameter, the schema already documents the argument. The topic list in the description reinforces what kinds of values match, but adds no syntax or format guidance beyond the schema's own example.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

States a specific verb and resource ('Finds Payotte's federal guides') and scopes it precisely as rules that apply in every state, immediately distinguishing it from state_overview_us and the country-specific guide_au/in/uk siblings. An agent can identify the tool's remit without opening the schema.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The topic enumeration plus the 'federal (rules that apply in every state)' scoping gives clear context for when this tool applies, and 'Empty query = full list' specifies the no-argument behavior. However, it never names an alternative (e.g. state_overview_us for state-specific rules), so routing is left partially to inference.

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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