Individual skill

mortgage-comparison

Compares mortgage options by computing total cost of borrowing, monthly payment, break-even point for paying points, and fixed vs. adjustable rate risk factors. All calculations use terms the user provides from their actual loan offers. Produces a side-by-side comparison with total cost analysis. Use when the user asks about comparing mortgage offers, fixed vs. ARM loans, whether to pay points, or wants to see the total cost of different mortgage options. Do NOT use for the overall home buying process (use home-buying-checklist), general major purchase decisions (use major-purchase-decision), or investment account types (use investment-account-types).

src/process/resources/skills-library/bodies/skills/personal-finance/mortgage-comparison/SKILL.md

Source commit 4c030c7b01c241df7b6e3535635a970f10d781af

What was checked

Matches the observed repository HEAD

Yes

Scanner rules are current

No

Repository scan complete

No

Skill scan complete

Yes

Observed behavior

Not checked yet

Last checked

Nov 4, 2026

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