AgentSkillsCN

guideline-lookup

查阅房利美关于收入、资产、信用或抵押品核查的承保指引。当问题涉及 DTI、收入证明、资产要求、信用标准，或任何 B3/B4 指引的引用时，可调用此技能。系统会从配置文件或指引文件中动态读取相关指南，绝不硬编码内容。

SKILL.md
--- frontmatter
name: guideline-lookup
description: Look up Fannie Mae underwriting guidelines for income, assets, credit, or collateral verification. Use when questions involve DTI, income documentation, asset requirements, credit standards, or any B3/B4 guideline references. Reads guidelines dynamically from configs/guidelines/ - never hardcodes content.
allowed-tools:
  - Read
  - Glob
  - Grep
  - Bash

Fannie Mae Guideline Lookup

Purpose

Query Fannie Mae Selling Guide sections for underwriting requirements without hardcoding guideline content.

Instructions

Step 1: Check if guidelines exist

bash
ls configs/guidelines/

If the directory is empty or missing, instruct the developer:

bash
make fetch-guidelines

Step 2: Identify the relevant section

Guidelines are organized by domain:

SectionDirectoryGuideline IDs
Incomeconfigs/guidelines/income/B3-3.1-01 through B3-3.2-02
Assetsconfigs/guidelines/assets/B3-4.1-01 through B3-4.3-03
Creditconfigs/guidelines/credit/B3-5.1-01 through B3-5.4-03
Collateralconfigs/guidelines/collateral/B4-1.1-01 through B4-1.3-02

Step 3: Read the relevant guideline file

bash
# List available guidelines in a section
ls configs/guidelines/income/

# Read a specific guideline
cat configs/guidelines/income/b3-3.1-01.md

Step 4: Quote directly from the file

  • •Always quote the exact text from the markdown file
  • •Include the guideline ID (e.g., B3-3.1-01) in your response
  • •Note the effective date if present

Common Topics by Guideline

Income (B3-3.1 through B3-3.2)

  • •B3-3.1-01: General income information
  • •B3-3.1-02: Employment documentation standards
  • •B3-3.1-03: Base pay, salary, hourly, bonus, overtime
  • •B3-3.1-04: Commission income
  • •B3-3.1-05: Secondary/seasonal employment
  • •B3-3.1-06: IRS Form 4506-C requirements
  • •B3-3.1-07: Verbal verification of employment
  • •B3-3.1-08: Rental income
  • •B3-3.1-09: Other income sources
  • •B3-3.2-01: Self-employed borrower underwriting
  • •B3-3.2-02: Business structures

Assets (B3-4.1 through B3-4.3)

  • •Asset documentation requirements
  • •Gift fund guidelines
  • •Reserves requirements

Credit (B3-5.1 through B3-5.4)

  • •Credit score requirements
  • •Credit history evaluation
  • •Debt-to-income calculations

Collateral (B4-1.1 through B4-1.3)

  • •Appraisal requirements
  • •Property eligibility
  • •Title requirements

Important

  • •NEVER hardcode guideline content in responses
  • •ALWAYS read from configs/guidelines/ files
  • •Guidelines may be updated - always read the current file
  • •Reference internal/guidelines/fetcher.go:SectionConfig for URL mappings