How does it help with mortgage points calculations?

The skill calculates the 'breakeven point' by comparing the upfront cost of points against monthly interest savings to determine if buying down the rate is financially beneficial.

Can I use this to see how much house I can afford?

Absolutely. By analyzing your income, existing debt (DTI), and available down payment (LTV), the skill provides a realistic assessment of loan qualification and affordability.

Can this skill compare 15-year and 30-year mortgages?

Yes, it provides detailed comparisons including monthly payment differences, total interest costs, and the speed of equity accumulation for both terms.

Does the skill handle HELOC and home equity analysis?

Yes, it evaluates Home Equity Lines of Credit, including Combined Loan-to-Value (CLTV) ratios and the transition from draw periods to repayment periods.

Lending & Mortgage Analysis

Name: Lending & Mortgage Analysis
Author: JoelLewis

byJoelLewis

•

Ciencia de Datos y ML

Analyzes lending products and mortgage options with advanced amortization schedules and qualification assessments.

The Lending Analysis skill enables Claude to perform sophisticated financial modeling for mortgages, HELOCs, and personal loans. It provides deep technical insights into loan comparisons—such as 15-year vs. 30-year fixed or ARMs—and calculates the mathematical breakeven for buying discount points. By evaluating key metrics like Debt-to-Income (DTI) and Loan-to-Value (LTV) ratios, the skill helps users assess loan qualification and model the long-term impact of extra principal payments on interest savings and loan duration.

Características Principales

01Comprehensive mortgage and HELOC comparison modeling

02PMI cost evaluation and strategic removal planning

03Dynamic amortization schedules with extra payment impact analysis

0418 GitHub stars

05Loan qualification assessment (DTI, LTV, and FICO requirements)

06Interest rate vs. APR transparency and points breakeven calculation

Casos de Uso

01Modeling how specific extra monthly payments accelerate equity building and reduce total interest.

02Evaluating the financial trade-offs between fixed-rate and adjustable-rate mortgages based on market outlook.

03Comparing multiple mortgage offers to determine the true cost of borrowing including fees and points.

What are Skills?·How to Install

Install with 🐟 Skill.Fish

npx skillfish add joellewis/finance_skills lending

For use in Claude.ai and ChatGPT

Download Skill