OpenClaw

mortgage

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.

agenticio0 来源安装数☆ 0 仓库 Stars

查看来源 ↗安装与使用 SKILL.md ↗

安装与使用

请根据来源仓库和你的 AI 工具说明安装此技能。先阅读技能文件和依赖要求，再添加到工作流。

SkillHub CLI

skillhub install agenticio/mortgage

打开来源仓库，查看说明和兼容环境后，按来源提供的命令或步骤安装。

将来源链接提供给你的 Agent，让它先读取说明、核对依赖，并向你说明将执行的安装步骤。

查看来源 ↗使用指南

技能说明

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...

来源信息

Source: github
Repository: openclaw/skills
Path: skills/agenticio/mortgage
Version: —
Commit: da180a2d63b4368b9d9d0096714473c264f475b8
分类来源: rules
状态: active
可见性: public

这些信息来自收录时的来源分析，可能滞后；使用前请核对最新来源文件。

来源内容

SKILL.md

# 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...

搜索