Mortgage

面向购房者的按揭流程辅助 Skill，提供可负担性估算、按揭类型对比说明、申请文件清单生成和申请里程碑跟踪，数据仅保存在本地工作区，声明不调用外部接口、不连接贷款机构系统，也不提供按揭建议或推荐具体贷款机构。

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热度 58.72

最近更新 2026-05-11 17:29:28

分类：生活依赖：代码执行 / 读写文件应用场景：财务 / 个人理财 / 任务管理

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.