Handles mortgage and loan analysis with the formulas you'd otherwise paste into a spreadsheet. Covers the usual suspects: fixed versus ARM, 15 versus 30 year, amortization schedules, extra payment scenarios, whether buying points makes sense. Also does qualification checks (DTI, LTV, FICO thresholds) and HELOC combined loan-to-value calculations. The math is straightforward but tedious to do by hand, so this is useful when comparing offers or modeling what happens if you throw an extra $200 a month at principal. Includes PMI removal thresholds and APR versus rate comparisons. Basically a mortgage calculator that shows its work and explains the tradeoffs.
npx skills add https://github.com/joellewis/finance_skills --skill lending