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:

• - 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
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.