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JoelLewis
JoelLewisCOMMUNITY
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lending

Analyze lending products and calculate payments, amortization, and qualification.

164|33|Updated Feb 15, 2026
Search Tags:#mortgage#lending#loan#amortization#APR#HELOC
One-click install
npx skills add https://github.com/JoelLewis/finance_skills --skill lending-joellewis
Or copy as Structured Prompt for Agent▼
Please help me install this Agent Skill.
Skill: lending
Source: https://github.com/JoelLewis/finance_skills/tree/main/plugins/wealth-management/skills/lending
Command: npx skills add https://github.com/JoelLewis/finance_skills --skill lending-joellewis

SYSTEM DOCUMENTATION & REQUIREMENTS

💡 This Skill requires numpy, and includes scripts (resource) and references (resource) components.

What problem does it solve?

This Skill helps users understand and compare various lending products, including mortgages, HELOCs, and personal loans, by providing detailed analysis of payments, interest, and qualification criteria.

Core Features & Use Cases

  • Loan Comparison: Analyze fixed vs. ARM rates, 15-year vs. 30-year mortgages.
  • Payment & Amortization: Calculate monthly payments, total interest, and generate amortization schedules.
  • Qualification & HELOCs: Assess loan qualification factors and HELOC specifics.
  • Use Case: Compare two mortgage offers by inputting their details to see which has a lower total cost and faster equity build-up.

Quick Start

Calculate the monthly payment for a $300,000 loan at 6.5% APR over 30 years.

Frequently Asked Questions about lending

High-intent search queries and answers about installing and using this skill.

FAQPage Schema
How do I calculate monthly mortgage payments and generate an amortization schedule?▼

To calculate mortgage payments and generate an amortization schedule, input the loan amount, APR, and term. The tool computes monthly payments and total interest for fixed-rate and adjustable-rate mortgages.

Can I compare a 15-year vs 30-year mortgage to see which builds equity faster?▼

Yes, you can compare 15-year vs 30-year mortgages or fixed vs ARM rates. Inputting loan details reveals total cost differences and equity build-up speed to identify the better offer.

How does making extra payments impact my loan's total interest and payoff timeline?▼

Extra payment impact analysis shows how additional principal payments reduce total interest and shorten the loan term. Input your regular payment amount to calculate the adjusted amortization schedule.

What's the best way to calculate the breakeven point for paying mortgage points?▼

Points breakeven calculations determine when upfront mortgage points pay off. Compare the cost of points against the monthly savings to find the exact month your investment breaks even.

Can I assess my qualification factors for a HELOC or personal loan?▼

Yes, the tool assesses HELOC and personal loan qualification factors. Input your financial details to evaluate qualification criteria and calculate specific HELOC borrowing scenarios.

Does this mortgage analysis tool require any specific dependencies to run?▼

Yes, this mortgage analysis tool requires numpy to run. It uses numpy to handle the mathematical computations for APR calculations, amortization schedules, and loan comparisons.

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