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.
memory/mortgage/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.
Mortgage data stored in your local workspace:
memory/mortgage/affordability.json - Affordability calculationsmemory/mortgage/scenarios.json - Comparison scenariosmemory/mortgage/documents.json - Application documentsmemory/mortgage/applications.json - Application trackingmemory/mortgage/lenders.json - Lender comparison notesUse provided scripts in scripts/ for all data operations.
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
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
User: "What documents do I need for mortgage application?"
→ Use scripts/prep_documents.py --type "conventional" --employment "w2"
→ Generate complete document checklist
User: "Track my mortgage application"
→ Use scripts/track_application.py --application-id "APP-123"
→ Show current stage and next steps
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
For detailed implementation:
| 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 |
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.