Getting it into your agent
It runs from inside its repository, so the clone comes first — what it calls does not travel with the file alone.
git clone --depth 1 https://github.com/deciqAI/knowledge-skillsnpx agentmods add skills/deciqai/knowledge-skills/mortgage-loan-fallout-premortemWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/deciqai/knowledge-skills/mortgage-loan-fallout-premortem)<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/mortgage-loan-fallout-premortem"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/mortgage-loan-fallout-premortem/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/mortgage-loan-fallout-premortem"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/mortgage-loan-fallout-premortem.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00074 | $0.00726 |
| Opus 5 | $0.00037 | $0.00363 |
| Sonnet 5 | $0.00015 | $0.00145 |
| Haiku 4.5 | $0.00007 | $0.00073 |
Grade A, and why
mortgage-loan-fallout-premortem scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 9d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 56 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Mortgage — Loan Fallout Premortem
Industry front door for premortem. Adds domain triggers, example, packs only. Parent Process unchanged. Guidance, not professional advice. No legal, tax, financial or regulatory advice; verify anything jurisdiction- or rate-dependent against current authority. The professional who acts owns the decision.
Activate when: a file is submitted or in underwriting; rate lock is ticking; "what could kill this loan before closing?"; thin-file or borderline borrower. Do NOT activate when: clear-to-close with no open conditions.
Why this variant
The parent premortem imagines the failure and works backward. Loan fallout (denied/withdrawn after lock) wastes the borrower's rate, the LO's pipeline, and risks a lock extension cost. Premortem surfaces the killers while there's still time to cure.
Domain inputs → parent's Process
Imagine the loan died at underwriting — why?
- Income/employment: VVOE fails, gap, variable-income miscalc.
- Assets: large deposits unsourced, insufficient reserves.
- Credit: new inquiry/tradeline mid-process changes DTI.
- Appraisal: comes in low; property/condition issues.
- Title/insurance/HOA: liens, uninsurable, HOA litigation. For each likely killer, cure or condition now, before the lock burns.
Worked example
Self-employed borrower, lock expires in 21 days. → Premortem flags: unsourced $20k deposit + P&L not yet CPA-reviewed. Cure now (paper trail + statement) so it doesn't detonate on day 18 forcing a costly extension.
Compliance anchors
- If denial results, ECOA adverse-action notice within required timing; document the reason.
Packs
- Solo LO: top-10 fallout-cause pre-submission scrub.
- Brokerage: condition-clearing SLA tied to lock timeline.
Red flags
- Large deposits / new credit not addressed early.
- Variable income taken at face value.
- Appraisal risk ignored on unique properties.
Verification
- Likely fallout causes enumerated
- Each cured or conditioned before lock burns
- Lock timeline vs condition SLA reconciled
- Adverse-action path ready if denied
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 9d ago First seen · 56 lines · 74 tokens per session scan A 72072a627811
mortgage-loan-fallout-premortem is a skill published in the GitHub repository deciqAI/knowledge-skills (10 stars, last pushed 11d ago), licensed MIT. It adds 74 tokens to every session and 726 once invoked, about $0.0004 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-03.
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