Mortgage Knowledge Base RAG

Answer any mortgage or home-buying question instantly from a curated expert knowledge base. No hallucination — every answer is grounded in the indexed documents.

What It Does

Given a plain-English question, this skill:

1. 1. Searches the mortgage and real estate knowledge base using semantic similarity
2. Retrieves the most relevant passages (with source citations)
3. Synthesizes a clear, accurate answer — citing which document it came from
4. Flags gaps — if the question isn't in the knowledge base, says so rather than guessing

Use Cases

• - MLOs answering client questions quickly without Googling
• Real estate agents prepping for buyer consultations
• First-time buyers who need straight answers about the process
• Agents building FAQ content for their websites
• Verifying what a lender told you is actually correct

Inputs

CODEBLOCK0

• - query (required): Any natural-language question about mortgages, credit, or home buying
• INLINECODE1 (optional): Narrows search to a specific knowledge domain
• INLINECODE2 (optional, default: standard): How much detail to return
• INLINECODE3 (optional, default: buyer): Tailors language complexity to the reader

Outputs

CODEBLOCK1

Knowledge Base Coverage

The indexed knowledge base covers:

Credit & Financing

• - Credit score tiers and their rate impact (real dollar math)
• The 5 credit factors and which to improve first
• FHA, conventional, VA, USDA loan programs
• Down payment assistance programs (national + state-level)
• Debt-to-income ratio calculation and limits
• What triggers hard vs. soft credit inquiries

The Buying Process

• - Pre-approval vs. pre-qualification (what agents actually care about)
• Making competitive offers in different market conditions
• Inspection timelines and what to push back on
• Closing costs breakdown (who pays what)
• The 45-day closing timeline step-by-step
• What NOT to do after going under contract

Credit Repair

• - Dispute letter process (FCRA rights)
• Pay-for-delete negotiation strategy
• Goodwill letter templates and when they work
• Credit utilization optimization (fastest score mover)
• Authorized user strategy
• 48-hour rapid rescore process

Market & Terminology

• - 40+ glossary terms (escrow, PMI, LTV, DTI, rate lock, etc.)
• How to read a Loan Estimate (LE) vs. Closing Disclosure (CD)
• Rate lock timing strategy
• Understanding APR vs. interest rate

Lead Nurture & Follow-Up (MLO/Agent Tools)

• - 90-day credit repair client journey
• Follow-up script patterns by lead stage
• Objection handling (rates, timing, affordability)

Pricing

Technical Notes

• - Knowledge base: ~450 Q&A pairs + sourced document passages
• Retrieval: TF-IDF + semantic re-ranking
• Latency: <2s for standard queries
• Hallucination guard: returns knowledge_gap: true if confidence < 0.70
• Updates: knowledge base refreshed monthly with new loan program data