mortgage
Mortgage Payment Calculator — Monthly principal+interest, PMI, taxes, insurance and full amortization for a home loan.
This record as markdown: /tools/com-wingmanprotocol-agent-gateway/mortgage.md
What mortgage does on Gateway
AI agents call mortgage to retrieve information from Gateway without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
| Parameter | Type | Required | Description |
|---|---|---|---|
down | number | — | Alias for down_payment (USD) |
rate | number | — | Alias for annual_rate (DECIMAL, 0.07 = 7%) |
term | number | — | Alias for term_years |
price | number | — | Alias for home_price |
years | number | — | Alias for term_years |
down_pct | number | — | Down payment as a PERCENT of home_price (e.g. 20) |
pmi_rate | number | — | Annual PMI rate as a decimal |
home_price | number | Yes | Purchase price in USD |
term_years | number | — | Loan term in years (default 30) |
annual_rate | number | Yes | Interest rate as a DECIMAL (0.07 = 7%), not a percent |
monthly_hoa | number | — | Monthly HOA dues in USD |
annual_taxes | number | — | Annual property tax in USD |
Parameters from the server's own tool schema.
Why mortgage is rated Low
This is a calculation tool that computes and returns mortgage payment information based on input parameters. It performs mathematical operations on provided data and outputs results without modifying external state, creating financial obligations, or executing operations with side effects. Despite the financial context, the tool only reads inputs and returns computed outputs—characteristic of Read category.
From the tool's definition Tool name 'mortgage' and description 'Mortgage Payment Calculator — Monthly principal+interest, PMI, taxes, insurance and full amortization for a home loan' indicate pure calculation and display of financial information.
Risk signalsHigh parameter count (17 properties)
Attacks that exploit this kind of access
The rule that runs mortgage safely
PolicyLayer is an MCP gateway: it sits between your AI agents and Gateway, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For mortgage, this is the rule to start with:
mortgage is read-only, so it stays allowed. Everything else on the server is denied unless you say otherwise.
The button opens the PolicyLayer dashboard: create your workspace, connect Gateway, apply this rule, and every mortgage call is checked against it from then on.
Questions about mortgage
Mortgage Payment Calculator — Monthly principal+interest, PMI, taxes, insurance and full amortization for a home loan. It is categorised as a Read tool in the Gateway MCP Server, which means it retrieves data without modifying state.
mortgage accepts 12 parameters: down, rate, term, price, years, down_pct, pmi_rate, home_price, term_years, annual_rate, monthly_hoa, annual_taxes. Required: home_price, annual_rate. The full parameter table on this page comes from the server's own tool schema.
Register the Gateway MCP server in PolicyLayer and add a rule for mortgage: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches Gateway. Nothing to install.
mortgage is a Read tool with low risk. Read-only tools are generally safe to allow by default.
Yes. Add a rate_limit block to the mortgage rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.
Set action: deny in the PolicyLayer policy for mortgage. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.
mortgage is provided by the Gateway MCP server (https://wingmanprotocol.com/mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
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