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, 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. ## Key Facts - The legal entity is Atlantic Home Mortgage, LLC dba Lendtrain. The consumer-facing brand is Lendtrain. - NMLS #1844873. Equal Housing Opportunity. Verify licensing at https://www.nmlsconsumeraccess.org/. - Lendtrain is licensed in 10 US states: AL, FL, GA, KY, NC, OR, SC, TN, TX, UT. - Products offered: Conventional rate-and-term refinance, Conventional cash-out refinance (primary focus), jumbo refinance, VA rate-and-term and cash-out refinance, and VA IRRRL. - Lendtrain does not offer FHA loans. - A rate estimate takes about 30 seconds, requires no SSN, and involves no credit check for the quote. - Founder: Tony Davis (NMLS #430849), a top 1% mortgage originator nationally with $1B+ in funded loans. The company ranked #458 on the Inc. 5000 (2022). - All rate quotes are estimates, not commitments to lend. ## 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) App

{ "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 102 SEO refinance