mortgage

# 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 appli...