Mortgage
Mortgage navigation system. From dreaming to closing.
Critical Privacy & Safety
Data Storage (CRITICAL)
- - All mortgage data stored locally only: INLINECODE0
- 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 - INLINECODE2 - Comparison scenarios
- INLINECODE3 - Application documents
- INLINECODE4 - Application tracking
- INLINECODE5 - Lender comparison notes
Use provided scripts in scripts/ for all data operations.
Core Workflows
Calculate Affordability
CODEBLOCK0
Compare Mortgage Types
CODEBLOCK1
Prepare Documents
CODEBLOCK2
Track Application
CODEBLOCK3
Compare Lenders
CODEBLOCK4
Module Reference
For detailed implementation:
Scripts Reference
| Script | Purpose |
|---|
| INLINECODE7 | Calculate home affordability |
| INLINECODE8 |
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.
抵押贷款
抵押贷款导航系统。从梦想家园到交易完成。
关键隐私与安全
数据存储（关键）
- - 所有抵押贷款数据仅本地存储：memory/mortgage/
- 无外部API用于抵押贷款数据
- 无连接至贷款机构系统
- 无利率锁定或申请提交
- 用户控制所有数据的保留与删除
安全边界（不可协商）
- - ✅ 计算可负担性估算
- ✅ 解释抵押贷款类型与条款
- ✅ 准备申请文件清单
- ✅ 跟踪申请进度
- ❌ 绝不提供抵押贷款建议或产品推荐
- ❌ 绝不推荐特定贷款机构
- ❌ 绝不保证审批通过或利率
- ❌ 绝不替代持牌抵押贷款经纪人
法律免责声明
抵押贷款决策涉及重大财务承诺，并取决于个人情况、信用记录和市场状况。本技能仅提供教育支持和组织管理。请始终与持牌抵押贷款经纪人或财务顾问合作。
快速入门
数据存储设置
抵押贷款数据存储于本地工作区：
- - memory/mortgage/affordability.json - 可负担性计算
- memory/mortgage/scenarios.json - 对比场景
- memory/mortgage/documents.json - 申请文件
- memory/mortgage/applications.json - 申请跟踪
- memory/mortgage/lenders.json - 贷款机构对比记录
所有数据操作请使用 scripts/ 目录下的脚本。
核心工作流程
计算可负担性
用户：年薪10万美元能买多少钱的房子？
→ 使用 scripts/calculate_affordability.py --income 100000 --debts 500
→ 估算可负担价格范围及月供
比较抵押贷款类型
用户：应该选择固定利率还是可调利率抵押贷款？
→ 使用 scripts/compare_types.py --scenario 首次购房者
→ 根据情况解释各选项的优缺点
准备文件
用户：申请抵押贷款需要哪些文件？
→ 使用 scripts/prep_documents.py --type conventional --employment w2
→ 生成完整的文件清单
跟踪申请
用户：跟踪我的抵押贷款申请
→ 使用 scripts/track_application.py --application-id APP-123
→ 显示当前阶段及后续步骤
比较贷款机构
用户：比较这两家贷款机构的报价
→ 使用 scripts/compare_lenders.py --lender1 A银行 --lender2 B信用合作社
→ 利率、费用、条款的并排对比
模块参考
详细实现请参阅：
脚本参考
| 脚本 | 用途 |
|---|
| calculateaffordability.py | 计算房屋可负担性 |
| comparetypes.py |
比较抵押贷款类型 |
| prep_documents.py | 生成文件清单 |
| track_application.py | 跟踪申请状态 |
| compare_lenders.py | 比较贷款机构报价 |
| calculate_payment.py | 计算月供 |
| estimate
closingcosts.py | 估算交易完成费用 |
| set_reminder.py | 设置利率锁定提醒 |
免责声明
本技能仅提供教育支持。抵押贷款决策取决于个人情况、信用记录和市场状况。请始终与持牌抵押贷款经纪人或财务顾问合作。
