---
esco_uri: http://data.europa.eu/esco/skill/a727b46f-880a-4acb-9138-b7531b9d4121
esco_label: "mortgage loans"
relation: optional
onet_soc: 13-2052.00
source: model-knowledge
confidence: high
qa_count: 0
generator: gemma3:27b (prompt-designed and spot-checked by Claude)
generated: 2026-07-10
---

# mortgage loans — Financial Advisor

As a Financial Advisor, 'Mortgage Loans' competence isn’t about *originating* mortgages – it’s about integrating them into holistic financial plans. Daily work involves analyzing client debt-to-income ratios to assess affordability *before* they fall in love with a property, and modeling the impact of different mortgage types (fixed vs. adjustable, conventional vs. FHA/VA) on long-term cash flow, retirement savings, and overall net worth. You'll frequently use amortization schedules, online mortgage calculators (like those from Bankrate or NerdWallet), and potentially collaborate with dedicated mortgage brokers to find the best rates for clients – but your role is advisory, not sales.

## Weitere Anreicherung

Stage-2 source for future practitioner grounding: EconStor (open-access economics/finance literature).
