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-program-matchingWrote 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-program-matching)<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/mortgage-loan-program-matching"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/mortgage-loan-program-matching/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-program-matching"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/mortgage-loan-program-matching.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 | $0.00085 | $0.00713 |
| Opus 5 | $0.00043 | $0.00357 |
| Sonnet 5 | $0.00017 | $0.00143 |
| Haiku 4.5 | $0.00009 | $0.00071 |
Grade A, and why
mortgage-loan-program-matching 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 — 54 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Mortgage — Loan Program Matching
Industry front door for decision-tree. Adds domain triggers, example, packs only. Parent Process unchanged. Not lending advice. Program rules change; verify current agency/investor guidelines.
Activate when: matching a borrower to Conventional/FHA/VA/USDA/Jumbo/Non-QM; deciding fixed vs ARM; "which program fits this borrower?"; borderline DTI/LTV/credit. Do NOT activate when: borrower is pre-committed to one specific product with no alternative.
Why this variant
The parent decision-tree maps branching choices to outcomes. Program selection is a decision tree over borrower attributes (credit, DTI, LTV, down payment, property type, VA eligibility) → eligible programs → net cost/fit.
Domain inputs → parent's Process
Branch on gating attributes and roll back to best fit:
- Credit + DTI + LTV + reserves → which agencies qualify.
- Down payment / MI: FHA (MIP) vs Conventional (PMI removable) vs VA (0% + funding fee).
- Property/occupancy and loan size (conforming vs jumbo).
- Compare total cost + approval probability, not just rate.
Worked example
680 credit, 3.5% down, moderate DTI, first-time buyer. → Tree: FHA qualifies now but carries lifetime MIP; Conventional 97 may work with removable PMI. Compare 5-yr total cost + approval odds; recommend on net fit, documented. Present options fairly (ECOA).
Compliance anchors
- Present options without steering to your own benefit; fair-lending (ECOA/Reg B); ATR/QM feasibility.
Packs
- Solo LO: program-fit matrix by borrower profile.
- Brokerage: investor-overlay quick reference.
Red flags
- Matching on rate alone, ignoring MI/total cost.
- Steering toward higher-comp product (fair-lending + LO-comp risk).
- Ignoring ATR/QM feasibility.
Verification
- Eligible programs derived from borrower attributes
- Total cost + approval odds compared (not just rate)
- Options presented fairly; rationale documented
- ATR/QM feasibility checked
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 · 54 lines · 85 tokens per session scan A 034b15ca870e
mortgage-loan-program-matching is a skill published in the GitHub repository deciqAI/knowledge-skills (10 stars, last pushed 10d ago), licensed MIT. It adds 85 tokens to every session and 713 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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