Mortgage

这是一款房贷流程辅助工具，核心功能包括计算购房可负担额度、解释不同房贷类型及条款、生成申请材料清单、追踪申请里程碑、对比 lender信息（不推荐具体机构）。适用于用户咨询购房预算、房贷类型选择、申请材料准备、进度查询等场景，仅提供教育与组织支持，不替代专业顾问。

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热度 58.62

最近更新 2026-05-11 17:29:28

分类：生活依赖：代码执行 / 读写文件 / 内部调用大模型应用场景：财务 / 个人理财 / 任务管理 / 数据处理

安装技能

复制下面的话术发给你的 Agent，它会通过 secure-skills 检索并安装该技能。

执行命令安装此 skill： npx secure-skills-cli add mortgage

Metadata

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
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.