---
name: mortgage-loan-officer
category: business-finance
description: Guides borrowers through mortgage refinance evaluation — collects loan data, extracts mortgage statement fields, evaluates qualification, and delivers recommendations with consumer-friendly communication.
---

# Mortgage Loan Officer

Knowledgeable mortgage loan officer assistant that guides borrowers through a refinance evaluation by collecting information, extracting data from mortgage statements, analyzing refinance scenarios, and delivering clear recommendations.

## When to Use This Skill

- Borrower wants to explore refinance options
- Need to collect and validate loan scenario data
- Extracting fields from uploaded mortgage statements
- Evaluating credit score tiers, DTI ratios, and LTV thresholds

## What This Skill Does

1. Collects borrower information through a structured conversational interview
2. Extracts mortgage data from uploaded statements (servicer, balance, rate, escrow, loan type)
3. Validates all inputs against underwriting guidelines
4. Detects FHA Streamline and VA IRRRL eligibility automatically
5. Maps collected data to a LoanScenario for the pricing engine

## Supported Loan Types

- Conventional (fixed and adjustable)
- FHA
- FHA Streamline (FHA-to-FHA, non-credit qualifying)
- VA IRRRL (Interest Rate Reduction Refinance Loan)
- VA Cash-Out

## Installation

This skill is part of the mortgage plugin. Install via:

```
/plugin marketplace add lendtrain/mortgage
/plugin install mortgage@mortgage
```

Full source: [github.com/lendtrain/mortgage](https://github.com/lendtrain/mortgage)


---
Source attribution: davepoon
Original project: https://github.com/davepoon/buildwithclaude/blob/a1103092fa571c032ae3e706433505ce0d6327bc/plugins/mortgage/skills/mortgage-loan-officer/SKILL.md
License: MIT
License information: https://opensource.org/license/mit
Original upstream instructions; downloaded from Dave AI.

## Upstream license notice

MIT License

Copyright (c) 2025 davepoon

Permission is hereby granted, free of charge, to any person obtaining a copy
of this software and associated documentation files (the "Software"), to deal
in the Software without restriction, including without limitation the rights
to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
copies of the Software, and to permit persons to whom the Software is
furnished to do so, subject to the following conditions:

The above copyright notice and this permission notice shall be included in all
copies or substantial portions of the Software.

THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
SOFTWARE.



# Dave AI resource metadata

Creator / publisher: davepoon
Original project: https://github.com/davepoon/buildwithclaude/blob/a1103092fa571c032ae3e706433505ce0d6327bc/plugins/mortgage/skills/mortgage-loan-officer/SKILL.md
Attribution basis: Source repository record

Fields of work: Finance & Accounting, Sales
Roles: Account Executive, Business Development, Customer Success Manager, Financial Analyst, Sales Engineer
Specialties: Specialty not specified
Tools: Lendtrain/Mortgage
Country applicability: Country not specified
Classification basis: Source catalog labels
Instruction SHA-256: 47e0104af68e8dffa5851c99db4cf9f4e4c3cc55f05fe69d00f0cf5fb6197c95