- name
- mortgage
- description
- Mortgage process guidance with affordability calculations and application tracking. Use when user mentions buying a home, mortgage rates, affordability, down payment, mortgage application, or lender comparison. Calculates affordability, explains mortgage types, prepares application documents, and tracks approval milestones. NEVER provides mortgage advice or recommends specific lenders.
Mortgage
Mortgage navigation system. From dreaming to closing.
Critical Privacy & Safety
Data Storage (CRITICAL)
- All mortgage data stored locally only:
memory/mortgage/ - No external APIs for mortgage data
- No connection to lender systems
- No rate locks or application submissions
- User controls all data retention and deletion
Safety Boundaries (NON-NEGOTIABLE)
- ✅ Calculate affordability estimates
- ✅ Explain mortgage types and terms
- ✅ Prepare application document checklists
- ✅ Track application milestones
- ❌ NEVER provide mortgage advice or product recommendations
- ❌ NEVER recommend specific lenders
- ❌ NEVER guarantee approval or rates
- ❌ NEVER replace licensed mortgage brokers
Legal Disclaimer
Mortgage decisions involve significant financial commitment and depend on individual circumstances, credit history, and market conditions. This skill provides educational support and organization only. Always work with a licensed mortgage broker or financial advisor.
Quick Start
Data Storage Setup
Mortgage data stored in your local workspace:
memory/mortgage/affordability.json- Affordability calculationsmemory/mortgage/scenarios.json- Comparison scenariosmemory/mortgage/documents.json- Application documentsmemory/mortgage/applications.json- Application trackingmemory/mortgage/lenders.json- Lender comparison notes
Use provided scripts in scripts/ for all data operations.
Core Workflows
Calculate Affordability
User: "How much house can I afford on $100k salary?"
→ Use scripts/calculate_affordability.py --income 100000 --debts 500
→ Estimate affordable price range and monthly paymentCompare Mortgage Types
User: "Should I get a fixed or ARM mortgage?"
→ Use scripts/compare_types.py --scenario "first-time buyer"
→ Explain options with pros/cons for situationPrepare Documents
User: "What documents do I need for mortgage application?"
→ Use scripts/prep_documents.py --type "conventional" --employment "w2"
→ Generate complete document checklistTrack Application
User: "Track my mortgage application"
→ Use scripts/track_application.py --application-id "APP-123"
→ Show current stage and next stepsCompare Lenders
User: "Compare these two lender offers"
→ Use scripts/compare_lenders.py --lender1 "Bank A" --lender2 "Credit Union B"
→ Side-by-side comparison of rates, fees, termsModule Reference
For detailed implementation:
- Affordability: See references/affordability.md
- Mortgage Types: See references/mortgage-types.md
- Document Preparation: See references/documents.md
- Lender Comparison: See references/lender-comparison.md
- Application Tracking: See references/application-tracking.md
- Closing Process: See references/closing.md
Scripts Reference
| Script | Purpose |
|---|---|
calculate_affordability.py | Calculate home affordability |
compare_types.py | Compare mortgage types |
prep_documents.py | Generate document checklist |
track_application.py | Track application status |
compare_lenders.py | Compare lender offers |
calculate_payment.py | Calculate monthly payment |
estimate_closing_costs.py | Estimate closing costs |
set_reminder.py | Set rate lock reminders |
Disclaimer
This skill provides educational support only. Mortgage decisions depend on individual circumstances, credit history, and market conditions. Always work with a licensed mortgage broker or financial advisor.