Mortgage

Mortgage process guidance with affordability calculations and application tracking. Use when user mentions buying a home, mortgage rates, affordability, down...

Security Scan

The skill's description promises multiple mortgage features, but the package only includes a single affordability script and several referenced scripts/docs are missing, which is an incoherence that warrants caution before installing.

Purpose & Capability

The SKILL.md describes many capabilities (compare_types.py, prep_documents.py, track_application.py, compare_lenders.py, references/*.md, etc.) but the bundle contains only scripts/calculate_affordability.py and no reference documents. That mismatch means the declared capabilities are not actually present in the package.

Instruction Scope

Runtime instructions reference multiple scripts and local storage under memory/mortgage/; only calculate_affordability.py exists. The provided script prints estimates and does not read or write the declared JSON files, so the SKILL.md and the actual runtime behavior diverge. The instructions also assume agent use of several non-existent scripts, which could cause the agent to attempt fetching or executing missing components.

Install Mechanism

No install spec (instruction-only + one small script). Nothing is downloaded or installed automatically and there are no external URLs or archives in the package.

Credentials

No environment variables or credentials are requested, which is appropriate. The script will create and use a local directory (~/.openclaw/workspace/memory/mortgage) for storage if other code follows the README — users should note that the skill will create files under the user's home directory if additional scripts are added.

Persistence & Privilege

always is false and the skill does not request elevated privileges. Its only filesystem action in included code is to create a directory under the user's home; that is normal for a local-agent utility.

What to consider before installing

This package is incomplete: SKILL.md promises many scripts and reference files that are not included. Before installing or enabling the skill, ask the publisher for the complete source or a homepage, or request that they bundle the missing scripts and docs. If you still try it, inspect any additional files the skill writes (it may create ~/.openclaw/workspace/memory/mortgage) and run in a restricted/sandbox environment. Because the agent may attempt to run non-existent scripts, watch for attempts to fetch code from external sources or unexpected network activity. If you need only affordability calculations, consider running the single provided script directly and not enabling the full skill until the package is clarified.

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
• 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.