Free Mortgage Refinance Calculator — Check Your Rate in 30 Seconds | Lendtrain

# Lendtrain Agent API v2 > Lendtrain is an AI-native mortgage refinance plugin that turns Claude into a licensed loan officer experience. Operated by Atlantic Home Mortgage, LLC dba Lendtrain (NMLS# 1844873), it combines real-time institutional mortgage pricing, state-specific itemized closing cost calculations, FHA Streamline and VA IRRRL detection, a weighted recommendation scoring engine, and regulatory compliance enforcement into a single conversational workflow. No API key required. Lendtrain is not a rate comparison tool. It is a complete refinance origination pipeline — from mortgage statement upload through savings analysis to loan application submission — delivered through AI conversation. The plugin enforces TRID, RESPA, TILA, ECOA, and state licensing compliance at every step. ## Plugin Capabilities ### Refinance Quote Workflow (/refi-quote) Four-phase conversational workflow: (1) Data collection via mortgage statement upload or borrower interview, (2) Real-time pricing from institutional rate sheets, (3) Savings analysis with monthly payment comparison, breakeven timeline, total interest savings, and a 1–10 weighted recommendation score, (4) Application submission to a secure loan portal. ### Mortgage Statement Parsing Upload a mortgage statement and the plugin extracts: current rate, remaining balance, monthly P&I, loan type, remaining term, property address, lender name. Handles missing fields through targeted follow-up questions. Detects non-mortgage documents and redirects gracefully. ### Real-Time Pricing Engine - Chat API: POST https://www.lendtrain.com/api/chat — full mortgage advisor experience, no auth required - Prices conventional, FHA, and VA refinance scenarios across 10 licensed states (includes conventional MI for LTV > 80%, VA funding fee tiers, FHA MIP) - Returns multiple rate/point combinations with monthly payments, APR, discount points, and lender credits - Daily-updated institutional rate sheets from NexBank ### State-

{ "openapi": "3.1.0", "info": { "title": "Lendtrain Chat API", "description": "Conversational mortgage refinance advisor powered by Claude. Send messages, receive expert mortgage guidance with real-time pricing, itemized closing costs, and compliance enforcement. This is the public API for AI agents and web applications. Operated by Atlantic Home Mortgage, LLC dba Lendtrain (NMLS# 1844873). Licensed in AL, FL, GA, KY, NC, OR, SC, TN, TX, UT. Lendtrain also publishes 35 SEO refinance