Skill: agenticio/mortgage (version 2.1.0)

--- 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 calculations - `memory/mortgage/scenarios.json` - Comparison scenarios - `memory/mortgage/documents.json` - Application documents - `memory/mortgage/applications.json` - Application tracking - `memory/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 payment ``` ### Compare 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 situation ``` ### Prepare Documents ``` User: "What documents do I need for mortgage application?" → Use scripts/prep_documents.py --type "conventional" --employment "w2" → Generate complete document checklist ``` ### Track Application ``` User: "Track my mortgage application" → Use scripts/track_application.py --application-id "APP-123" → Show current stage and next steps ``` ### Compare 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, terms ``` ## Module Reference For detailed implementation: - **Affordability**: See [references/affordability.md](references/affordability.md) - **Mortgage Types**: See [references/mortgage-types.md](references/mortgage-types.md) - **Document Preparation**: See [references/documents.md](references/documents.md) - **Lender Comparison**: See [references/lender-comparison.md](references/lender-comparison.md) - **Application Tracking**: See [references/application-tracking.md](references/application-tracking.md) - **Closing Process**: See [references/closing.md](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.


Security scan verdicts — ClawScan: clean | static analysis: clean | VirusTotal: clean | SkillSpector: suspicious (MEDIUM)