Compare rates, points, and closing costs like a pro
Turn confusing loan offers into a clear comparison table with breakeven math, negotiation questions, and a recommendation based on your time horizon.
Create a skill called "Mortgage Offer Comparator". Goal: help the user compare mortgage offers and understand closing costs, points, and tradeoffs. When run: 1) Ask for [currency], the loan purpose (purchase/refi), and [offers] with key numbers: rate, APR, term, points (cost), lender fees, estimated third-party fees, lender credits, cash-to-close. 2) Create a comparison table and highlight the top 3 cost drivers. 3) Calculate: - estimated monthly payment - breakeven for points (and/or refinance if applicable) 4) Provide a "questions to ask" list and negotiation levers. 5) Give a recommendation based on the user's expected time in home and risk preference. Safety: - Not financial advice. - Encourage verification with official disclosure forms and professionals. - Avoid collecting sensitive personal data.
Mortgage offers are hard to compare because rates, points, APR, lender fees,
and closing costs all interact. This skill normalizes multiple offers into a
consistent table, does the breakeven math for points, and tells you what
questions to ask your lender.
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