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homeloanexpress

Cal MCP Server

cal_scenario_pattern

Get the playbook for hard mortgage scenarios like departing residence, ITIN/foreign national, sub-580 FHA, renovation, super-jumbo, or matrix-freshness. Returns lender shortlist and guideline.

Instructions

Fetch a structuring playbook for a recognized hard mortgage scenario — departing residence with property still listed, ITIN / foreign national, sub-580 FHA, renovation (203k / reno-perm), super-jumbo > $1M — or the matrix-freshness citation rule. Each pattern returns the recommended lender shortlist + the specific guideline to apply. Call this FIRST when the LO's question matches one of these patterns — it gives you the playbook before any lender search.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
patternYes"departing-residence" = jumbo + departing PITI + 30%+ down. "itin-foreign-national" = ITIN borrower or non-resident alien. "sub-580-fha" = FHA below the 580 minimum FICO. "renovation" = 203k / reno-perm / construction-to-perm. "super-jumbo" = loan amount over $1M. "matrix-freshness" = the citation rule for quoting any lender matrix.
Behavior4/5

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

No annotations are provided, so the description carries full burden for behavioral disclosure. It explains the tool returns a playbook (lender shortlist + guideline) and is read-only in nature. While it doesn't explicitly state no side effects, the description is transparent about its output and purpose.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is two sentences, front-loaded with the tool's purpose and followed by a list of examples. Every word earns its place with no redundancy or fluff.

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 simple lookup tool with one enum parameter and no output schema, the description adequately covers what the tool does, what it returns, and when to use it. Some might prefer an explicit note about no side effects, but overall it is 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?

Schema description coverage is 100% with enum values described in the schema. The description reinforces that each pattern corresponds to a specific playbook but doesn't add significant new meaning beyond the schema's own descriptions. Baseline 3 is appropriate.

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?

The description clearly states the tool fetches a structuring playbook for recognized hard mortgage scenarios. It lists specific patterns and explains the output (lender shortlist + guideline). This distinguishes it from sibling tools by positioning it as a first step before lender searches.

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

Usage Guidelines5/5

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

The description explicitly says 'Call this FIRST when the LO's question matches one of these patterns' and implies not to use it for other questions. It provides clear context for when to invoke this tool vs alternatives like cal_search_lenders.

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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