Loan Amount: $LOAN_AMOUNT

Interest Rate: INTEREST_RATE%

Loan Term: LOAN_TERM years

Annual Income: $ANNUAL_INCOME

(Calculate monthly payment, total interest paid, and total cost of the loan)

(Provide debt-to-income ratio analysis)

(Suggest optimal loan term based on financial profile)

(Compare with average mortgage rates in the area)

(Offer tips for improving mortgage terms)