Mortgage

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 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

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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

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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

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User: "What documents do I need for mortgage application?"
→ Use scripts/prep_documents.py --type "conventional" --employment "w2"
→ Generate complete document checklist

Track Application

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User: "Track my mortgage application"
→ Use scripts/track_application.py --application-id "APP-123"
→ Show current stage and next steps

Compare Lenders

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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
• 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.