AC fha-va-usda-mortgage-rate-watch
Daily FHA, VA, and USDA government-backed mortgage rate monitoring, comparison, and newsletter-style summaries. Use when the user asks about current FHA mortgage rates, VA loan rates, USDA home loan rates, government-backed mortgage rate trends, first-time homebuyer rate options, daily rate updates, refinance rates for FHA/VA/USDA, or wants a rate watch summary or newsletter. Also triggers on questions about FHA vs VA vs USDA loan differences, rate eligibility, or mortgage rate history for these programs.
As a process C 52/100 · Has gaps — weak spots: result and completion, inputs and preconditions, failures and branches
How to improve
- Your own cases (evals/evals.json, 4–6 real requests with expected answers): the full check would then run those instead of a model-drafted suite.
- A spec.yaml with trigger phrases and assertions — a behaviour contract for CI; `skilltest init` writes a template.
Guard findings · 0
✓ No critical or high findings
Files scanned: 8. Evidence is masked. Grey chips explain why severity was lowered.
Against the Agent Skills spec
✓ No remarks against the Agent Skills spec
Process rating: all ten parameters 52/100
- 0Result and completion. Does not say what the result is
- 0Inputs and preconditions. Does not say what the process needs to start
- 0Failures and branches. Linear process with no failure handling
- 0Progress reporting. Says nothing while it works
- 60Tools and files. Uses tools (web) that frontmatter does not declare
- 70When it triggers. States when to use, but not when not to
- 100Steps. 8 steps
- 100Consistency. Name and required fields are in place
- 100Execution cost. Instruction body is 1034 tokens
- 100Running it twice. No mutating operations
- medium Safety rules and hard prohibitions inside a skill: they belong in the system prompt, here they protect nothing
Everything here is measured from the skill text rather than judged by a model, so the numbers are checkable. A parameter weighs more when it is a more common reason for the process to stall.
Quality signals
- +5Description has no quoted example phrases that should trigger the skill
- +4Description does not say when NOT to use the skill (false activations)
- +3Output format is not stated: the model decides each time
- -31 of 2 scripts are never mentioned in SKILL.md
- +1No license
- +2Single-language instructions
- +3Description length 510: enough signal without eating the budget
- +4Structure: 12 headings
- +3Step-by-step instructions: 8 items
- +4Has examples (5 code blocks)
- +4Reference files are cited in the instructions (2 of 2)
Quality base 70; lint remarks subtract, signals add up to 100. Result: 85.