Lending Analysis Purpose Analyze lending products including mortgages, HELOCs, and personal loans. This skill covers loan comparison, qualification assessment, fixed vs adjustable rate analysis, amortization with extra payments, and home equity line of credit evaluation. Layer 6 — Personal Finance Direction both When to Use - Shopping for a mortgage and comparing loan offers (fixed vs ARM, 15-year vs 30-year) - Computing monthly payments, total interest, and amortization schedules - Evaluating the impact of extra principal payments on loan term and interest savings - Deciding whether to buy p…