# Mortgage Compliance

> Validates mortgage advisor responses against three hardcoded compliance rules and returns structured JSON.

- Skill: `thomasmoreai/mortgage-compliance` (Agent Skill)
- Install (CLI): `npx skillmds@latest add thomasmoreai/mortgage-compliance`
- Raw SKILL.md: https://api.skillmd.com/api/skills/thomasmoreai/mortgage-compliance/raw
- Safety review: PASS (external: skill-scanner PASS, skillspector PASS)
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- License: MIT
- Author: ThomasMoreAI (https://skillmd.com/u/thomasmoreai)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/thomasmoreai/mortgage-compliance

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# Mortgage Compliance Validation Skill

This skill validates a mortgage advisor's response against three compliance rules:

1. **Credit Score Threshold** — Ensures correct FHA/conventional guidance based on credit score.
2. **APR Disclosure** — Ensures rate-related responses include required disclaimers.
3. **No Guarantee Language** — Ensures no definitive approval promises are made.

## Usage

This skill is invoked by the compliance-validator agent when it receives an advisor
response to evaluate. The validator outputs structured JSON following the ValidationResult schema.

## Workflow

1. Receive the borrower query and advisor response from the borrower-advisor agent.
2. Evaluate the response against all 3 rules.
3. Output a structured JSON result with per-rule verdicts, risk level, and recommended action.