Mortgage Kb Rag

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name: mortgage-kb-rag description: Instant answers to mortgage, credit, and home-buying questions from a curated knowledge base. Ask anything about the buying process, credit repair, loan programs, or terminology — get accurate, sourced answers in seconds. version: 1.0.2 author: drivenautoplex1

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Mortgage Knowledge Base RAG

Answer any mortgage or home-buying question instantly from a curated expert knowledge base. No hallucination — every answer is grounded in the indexed documents.

What It Does

Given a plain-English question, this skill:

1. Searches the mortgage and real estate knowledge base using semantic similarity 2. Retrieves the most relevant passages (with source citations) 3. Synthesizes a clear, accurate answer — citing which document it came from 4. Flags gaps — if the question isn't in the knowledge base, says so rather than guessing

Use Cases

MLOs answering client questions quickly without Googling

Real estate agents prepping for buyer consultations

First-time buyers who need straight answers about the process

Agents building FAQ content for their websites

Verifying what a lender told you is actually correct

Inputs

{
  "query": "What credit score do I need to buy a house?",
  "category": "credit|loans|process|terminology|programs|investing",
  "detail_level": "brief|standard|detailed",
  "audience": "buyer|agent|mlo|investor"
}

query (required): Any natural-language question about mortgages, credit, or home buying

category (optional): Narrows search to a specific knowledge domain

detail_level (optional, default: standard): How much detail to return

audience (optional, default: buyer): Tailors language complexity to the reader

Outputs

{
  "answer": "To qualify for a conventional loan, most lenders require a minimum 620 credit score. FHA loans accept scores as low as 580 with 3.5% down, or 500 with 10% down. However, a score above 740 gets you the best rates — typically 0.5-1.0% lower APR than a 620, which translates to $150-300/month on a $350K loan.",
  "confidence": "high",
  "sources": [
    {
      "document": "First-Time Buyer Roadmap",
      "section": "Phase 1: Financial Snapshot",
      "relevance": 0.94
    },
    {
      "document": "90-Day Credit Repair Playbook",
      "section": "Home Price Math: Real Dollar Impact by Credit Tier",
      "relevance": 0.87
    }
  ],
  "related_questions": [
    "How do I improve my credit score in 90 days?",
    "What is the difference between FHA and conventional loans?",
    "How much does a 1-point credit score difference affect my mortgage rate?"
  ],
  "knowledge_gap": false
}

Knowledge Base Coverage

The indexed knowledge base covers:

Credit & Financing

Credit score tiers and their rate impact (real dollar math)

The 5 credit factors and which to improve first

FHA, conventional, VA, USDA loan programs

Down payment assistance programs (national + state-level)

Debt-to-income ratio calculation and limits

What triggers hard vs. soft credit inquiries

The Buying Process

Pre-approval vs. pre-qualification (what agents actually care about)

Making competitive offers in different market conditions

Inspection timelines and what to push back on

Closing costs breakdown (who pays what)

The 45-day closing timeline step-by-step

What NOT to do after going under contract

Credit Repair

Dispute letter process (FCRA rights)

Pay-for-delete negotiation strategy

Goodwill letter templates and when they work

Credit utilization optimization (fastest score mover)

Authorized user strategy

48-hour rapid rescore process

Market & Terminology

40+ glossary terms (escrow, PMI, LTV, DTI, rate lock, etc.)

How to read a Loan Estimate (LE) vs. Closing Disclosure (CD)

Rate lock timing strategy

Understanding APR vs. interest rate

Lead Nurture & Follow-Up (MLO/Agent Tools)

90-day credit repair client journey

Follow-up script patterns by lead stage

Objection handling (rates, timing, affordability)

Pricing

| Tier | Price | Queries | |------|-------|---------| | Single query | $1 | 1 question | | Pack | $7 | 10 questions | | Unlimited (30 days) | $19 | Unlimited |

Technical Notes

Knowledge base: ~450 Q&A pairs + sourced document passages

Retrieval: TF-IDF + semantic re-ranking

Latency: <2s for standard queries

Hallucination guard: returns knowledge_gap: true if confidence < 0.70

Updates: knowledge base refreshed monthly with new loan program data