kolmo-mcp-server

Home-improvement financing

get_financing_options

Read-onlyIdempotent

Get home improvement financing options for a Seattle remodeling project. Returns loan types, estimated monthly payments, typical terms, and eligibility notes. Helps homeowners understand how to pay for a remodel — HELOC, home improvement loans, cash-out refinance, and contractor payment plans.

Tool call template

Replace each placeholder with a value matching the input schema. Only required parameters are included; add optional parameters as needed.

{
  "id": 1,
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "arguments": {
      "projectBudget": "<projectBudget>"
    },
    "name": "get_financing_options"
  }
}

Input Schema

Name	Required	Description	Default
`creditProfile`	No	Approximate credit profile: excellent (750+), good (680-749), fair (620-679). Default: good
`projectBudget`	Yes	Estimated project cost in USD

Output Schema

Name	Required	Description	Default
`options`	No
`getQuote`	Yes
`disclaimer`	Yes
`attribution`	Yes
`creditProfile`	No
`projectBudget`	No

Schema Changelog

Changes observed during successful MCP inspections.

Changed3 schema fields changedOct 23, 2026

changedOutput schema / properties / attribution / properties / citeAs / description

Previous value: -"Ready-made citation line. Use verbatim."New value: +"Citation line; use verbatim."

changedOutput schema / properties / attribution / properties / primarySource / description

Previous value: -"Present when Kolmo verified but does not author the fact — cite both."New value: +"Kolmo verified, did not author: cite both."

changedOutput schema / properties / attribution / properties / sourceUrl / description

Previous value: -"The specific page these facts render on. Link this, not the site root."New value: +"The page to link, not the site root."

Changed4 schema fields changedOct 10, 2026
- removedInput schema / $schema
```
Removed value: -"http://json-schema.org/draft-07/schema#"
```
- removedOutput schema / $schema
```
Removed value: -"http://json-schema.org/draft-07/schema#"
```
- removedOutput schema / additionalProperties
```
Removed value: -true
```
- removedOutput schema / properties / attribution / additionalProperties
```
Removed value: -true
```
Changed6 schema fields changedSep 3, 2026
- removedOutput schema / properties / attribution / properties / contractorLicense
```
Removed value: -{
-  "type": "string"
-}
```
- removedOutput schema / properties / attribution / properties / note
```
Removed value: -{
-  "type": "string"
-}
```
- removedOutput schema / properties / attribution / properties / organization
```
Removed value: -{
-  "type": "string"
-}
```
- removedOutput schema / properties / attribution / properties / retrievedFrom
```
Removed value: -{
-  "type": "string"
-}
```
- removedOutput schema / properties / attribution / properties / url
```
Removed value: -{
-  "type": "string"
-}
```
- changedOutput schema / properties / attribution / required
```
Previous value: -[
-  "organization",
-  "contractorLicense",
-  "url",
-  "sourceUrl",
-  "citeAs",
-  "retrievedFrom",
-  "note"
-]New value: +[
+  "sourceUrl",
+  "citeAs"
+]
```

Changed1 schema field changedAug 31, 2026

changedOutput schema / (root)

Previous value: -nullNew value: +{
+  "$schema": "http://json-schema.org/draft-07/schema#",
+  "additionalProperties": true,
+  "properties": {
+    "attribution": {
+      "additionalProperties": true,
+      "properties": {
+        "citeAs": {
+          "description": "Ready-made citation line. Use verbatim.",
+          "type": "string"
+        },
+        "contractorLicense": {
+          "type": "string"
+        },
+        "note": {
+          "type": "string"
+        },
+        "organization": {
+          "type": "string"
+        },
+        "primarySource": {
+          "description": "Present when Kolmo verified but does not author the fact — cite both.",
+          "type": "string"
+        },
+        "retrievedFrom": {
+          "type": "string"
+        },
+        "sourceUrl": {
+          "description": "The specific page these facts render on. Link this, not the site root.",
+          "type": "string"
+        },
+        "url": {
+          "type": "string"
+        }
+      },
+      "required": [
+        "organization",
+        "contractorLicense",
+        "url",
+        "sourceUrl",
+        "citeAs",
+        "retrievedFrom",
+        "note"
+      ],
+      "type": "object"
+    },
+    "creditProfile": {},
+    "disclaimer": {
+      "type": "string"
+    },
+    "getQuote": {
+      "type": "string"
+    },
+    "options": {},
+    "projectBudget": {}
+  },
+  "required": [
+    "disclaimer",
+    "getQuote",
+    "attribution"
+  ],
+  "type": "object"
+}

First observedApr 14, 2026

TDQS

A3.8/5.0

Behavior3/5

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

Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so the safety profile is fully covered before the description is read. The description adds that figures are 'estimated' monthly payments and includes 'eligibility notes', which is modestly useful behavioral context, but the rest of the return summary duplicates the output schema and says nothing about rate freshness or whether results are static.

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?

Two sentences, purpose front-loaded in the first. There is mild redundancy: 'Returns loan types...' is immediately restated by the HELOC/loan/refinance/payment-plan list, which costs a few words without adding information.

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

Completeness5/5

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

With only two parameters, full schema coverage, an output schema, and rich annotations, the description covers everything the agent still needs: what the tool produces, the geographic scope, and the financing domain. Nothing essential for correct invocation is missing.

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?

Schema coverage is 100% and both parameters (projectBudget, creditProfile with its enum) are fully documented in the schema, so the baseline is 3. The description never references either parameter — it does not say that creditProfile defaults to 'good' or how budget drives the options — so it adds no meaning beyond the schema.

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 (get home improvement financing options) with an explicit scope (a Seattle remodeling project) and enumerates the concrete instruments returned: HELOC, home improvement loans, cash-out refinance, contractor payment plans. That enumeration cleanly separates it from siblings like find_rebates, get_estimate, and get_project_roi.

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

Usage Guidelines3/5

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

The phrase "Helps homeowners understand how to pay for a remodel" implies the usage context, but there is no explicit when-to-use guidance, no exclusion, and no pointer to the adjacent tools (find_rebates for incentives, get_estimate for pricing) that an agent might confuse this with. Usage is inferable rather than stated.

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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