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-rate-negotiation-anchoringWrote 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-rate-negotiation-anchoring)<a href="https://agentmods.dev/skills/deciqai/knowledge-skills/mortgage-rate-negotiation-anchoring"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/mortgage-rate-negotiation-anchoring/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-rate-negotiation-anchoring"><img src="https://agentmods.dev/badge/skills/deciqai/knowledge-skills/mortgage-rate-negotiation-anchoring.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 | $0.00082 | $0.00745 |
| Opus 5 | $0.00041 | $0.00373 |
| Sonnet 5 | $0.00016 | $0.00149 |
| Haiku 4.5 | $0.00008 | $0.00075 |
Grade A, and why
mortgage-rate-negotiation-anchoring 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 — 53 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Mortgage — Rate & Terms Anchoring (Defense + Framing)
Industry front door for anchoring. Adds domain triggers, example, packs only. Parent Process unchanged. Not legal advice. Follow fair-lending and LO-comp rules; do not use framing to steer for your own benefit.
Activate when: a borrower anchors on a headline/teaser rate they saw; presenting rate+points+APR trade-offs; competitor "lowball" quote; "why is your rate higher than the ad?" Do NOT activate when: simply disclosing final locked terms.
Why this variant
The parent anchoring shows a first number silently biases all judgment. Borrowers anchor on advertised rates that hide points/credit assumptions. The LO's job is to re-anchor on total cost/APR honestly and defend against a misleading competitor anchor.
Domain inputs → parent's Process
- Detect the anchor: is the borrower's reference rate net of discount points / specific scenario?
- Re-anchor on the apples-to-apples basis: same points, same lock, APR + total cost over expected tenure.
- Defend: quantify what the teaser omits (points cost, credit assumptions, PMI).
- Never counter-anchor with a number you can't deliver (bait-and-switch = compliance + trust failure).
Worked example
Borrower: "Bank X advertised 0.5% lower." → Re-anchor: that quote assumes 2 discount points and a 45-day lock. On equal points and lock, compare APR and 5-year total cost. Honest re-framing wins without a misleading counter-anchor.
Compliance anchors
- Truthful advertising (Reg N/MAP Rule); fair-lending consistency; LO compensation rule (don't vary comp by terms).
Packs
- Solo LO: apples-to-apples comparison sheet (points/lock normalized).
- Brokerage: competitor-quote decode guide.
Red flags
- Countering with a rate you can't lock (bait-and-switch).
- Comparing rate without normalizing points/lock.
- Framing that steers to higher-comp terms.
Verification
- Borrower's anchor decomposed (points/lock/assumptions)
- Re-anchored on APR + total cost, equal terms
- No undeliverable counter-anchor used
- Fair-lending / LO-comp consistency held
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 · 53 lines · 82 tokens per session scan A 0b0ec930d9ad
mortgage-rate-negotiation-anchoring is a skill published in the GitHub repository deciqAI/knowledge-skills (10 stars, last pushed 10d ago), licensed MIT. It adds 82 tokens to every session and 745 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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