mortgage-kb-rag

# 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 ```json { "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 ```json { "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