Mortgage Knowledge Base RAG
Answer any mortgage or home-buying question instantly from a curated expert knowledge base. No hallucination — every answer is grounded in the indexed documents.
What It Does
Given a plain-English question, this skill:
- Searches the mortgage and real estate knowledge base using semantic similarity
- Retrieves the most relevant passages (with source citations)
- Synthesizes a clear, accurate answer — citing which document it came from
- Flags gaps — if the question isn't in the knowledge base, says so rather than guessing
Use Cases
- MLOs answering client questions quickly without Googling
- Real estate agents prepping for buyer consultations
- First-time buyers who need straight answers about the process
- Agents building FAQ content for their websites
- Verifying what a lender told you is actually correct
Inputs
{
"query": "What credit score do I need to buy a house?",
"category": "credit|loans|process|terminology|programs|investing",
"detail_level": "brief|standard|detailed",
"audience": "buyer|agent|mlo|investor"
}
query (required): Any natural-language question about mortgages, credit, or home buyingcategory (optional): Narrows search to a specific knowledge domaindetail_level (optional, default: standard): How much detail to returnaudience (optional, default: buyer): Tailors language complexity to the reader
Outputs
{
"answer": "To qualify for a conventional loan, most lenders require a minimum 620 credit score. FHA loans accept scores as low as 580 with 3.5% down, or 500 with 10% down. However, a score above 740 gets you the best rates — typically 0.5-1.0% lower APR than a 620, which translates to $150-300/month on a $350K loan.",
"confidence": "high",
"sources": [
{
"document": "First-Time Buyer Roadmap",
"section": "Phase 1: Financial Snapshot",
"relevance": 0.94
},
{
"document": "90-Day Credit Repair Playbook",
"section": "Home Price Math: Real Dollar Impact by Credit Tier",
"relevance": 0.87
}
],
"related_questions": [
"How do I improve my credit score in 90 days?",
"What is the difference between FHA and conventional loans?",
"How much does a 1-point credit score difference affect my mortgage rate?"
],
"knowledge_gap": false
}
Knowledge Base Coverage
The indexed knowledge base covers:
Credit & Financing
- Credit score tiers and their rate impact (real dollar math)
- The 5 credit factors and which to improve first
- FHA, conventional, VA, USDA loan programs
- Down payment assistance programs (national + state-level)
- Debt-to-income ratio calculation and limits
- What triggers hard vs. soft credit inquiries
The Buying Process
- Pre-approval vs. pre-qualification (what agents actually care about)
- Making competitive offers in different market conditions
- Inspection timelines and what to push back on
- Closing costs breakdown (who pays what)
- The 45-day closing timeline step-by-step
- What NOT to do after going under contract
Credit Repair
- Dispute letter process (FCRA rights)
- Pay-for-delete negotiation strategy
- Goodwill letter templates and when they work
- Credit utilization optimization (fastest score mover)
- Authorized user strategy
- 48-hour rapid rescore process
Market & Terminology
- 40+ glossary terms (escrow, PMI, LTV, DTI, rate lock, etc.)
- How to read a Loan Estimate (LE) vs. Closing Disclosure (CD)
- Rate lock timing strategy
- Understanding APR vs. interest rate
Lead Nurture & Follow-Up (MLO/Agent Tools)
- 90-day credit repair client journey
- Follow-up script patterns by lead stage
- Objection handling (rates, timing, affordability)
Pricing
| Tier | Price | Queries |
|---|
| Single query | $1 | 1 question |
| Pack | $7 | 10 questions |
| Unlimited (30 days) | $19 | Unlimited |
Technical Notes
- Knowledge base: ~450 Q&A pairs + sourced document passages
- Retrieval: TF-IDF + semantic re-ranking
- Latency: <2s for standard queries
- Hallucination guard: returns
knowledge_gap: true if confidence < 0.70
- Updates: knowledge base refreshed monthly with new loan program data
