{
  "$schema": "https://a2a-protocol.org/schemas/agent-card-v0.3.json",
  "name": "Lendtrain Mortgage Refinance",
  "description": "AI-native mortgage refinance pricing for AI agents. Send a loan scenario, get back live institutional rates, state-specific itemized closing costs, and the compliance disclosures (TRID, ECOA, TILA, RESPA) that go on a Loan Estimate. No API key. Conventional and VA refinance products (rate-and-term, cash-out, VA IRRRL). Licensed in 10 US states. NMLS #1844873.",
  "url": "https://www.lendtrain.com/api/chat",
  "version": "2.0.0",
  "documentationUrl": "https://www.lendtrain.com/agents",
  "iconUrl": "https://www.lendtrain.com/logo.png",
  "provider": {
    "organization": "Lendtrain",
    "url": "https://www.lendtrain.com"
  },
  "capabilities": {
    "streaming": true,
    "pushNotifications": false,
    "stateTransitionHistory": false
  },
  "preferredTransport": "HTTP+SSE",
  "additionalInterfaces": [
    {
      "url": "https://www.lendtrain.com/api/chat",
      "transport": "HTTP+JSON"
    }
  ],
  "securitySchemes": {
    "publicAccess": {
      "type": "noAuth",
      "description": "No authentication required. IP-based rate limiting only."
    }
  },
  "security": [
    { "publicAccess": [] }
  ],
  "defaultInputModes": [
    "text/plain",
    "application/json"
  ],
  "defaultOutputModes": [
    "text/plain",
    "text/event-stream",
    "application/json"
  ],
  "skills": [
    {
      "id": "refinance-rate-quote",
      "name": "Mortgage Refinance Rate Quote",
      "description": "Quote live institutional rates for a borrower's refinance scenario. Returns multiple rate/point combinations with monthly payments, APR, discount points, lender credits, and total closing costs. Supports Conventional rate-and-term, Conventional cash-out, VA rate-and-term, VA cash-out, and VA IRRRL. Returns 30-90 seconds for a full multi-product comparison; first chunk arrives within 2-3 seconds.",
      "tags": ["mortgage", "refinance", "rates", "pricing", "wholesale", "conventional", "VA", "VA-IRRRL", "cash-out"],
      "examples": [
        "I have a 7.25% rate on a $350,000 mortgage in Georgia. My home is worth $500,000 and my credit score is 760. Can I save money by refinancing?",
        "What would my payment be if I refinanced my $400,000 VA loan in Texas to a 30-year fixed?",
        "I want to take cash out of my home in Utah. Property is worth $750,000, balance is $300,000, credit 740 — what's my best rate-and-payment option?"
      ],
      "inputModes": ["text/plain", "application/json"],
      "outputModes": ["text/event-stream", "text/plain"]
    },
    {
      "id": "itemized-closing-costs",
      "name": "State-Specific Itemized Closing Costs",
      "description": "Calculate itemized estimated closing costs for a refinance transaction. State-specific bracket formulas for title insurance, recording fees, transfer taxes, and settlement fees — not a flat percentage. Covers all 10 licensed states (AL, FL, GA, KY, NC, OR, SC, TN, TX, UT).",
      "tags": ["closing-costs", "title-insurance", "recording-fees", "transfer-tax", "settlement-fees", "estimate"],
      "examples": [
        "What are the estimated closing costs on a $400,000 cash-out refinance in Texas?",
        "Itemize the closing costs for a Conventional refinance in Florida, $350K loan amount."
      ],
      "inputModes": ["text/plain", "application/json"],
      "outputModes": ["text/event-stream", "text/plain"]
    },
    {
      "id": "savings-analysis",
      "name": "Refinance Savings Analysis & Recommendation",
      "description": "Compute monthly savings (current P&I vs new total payment), total interest savings, breakeven period (closing costs ÷ monthly savings), and a weighted 1-10 recommendation score. Honestly recommends against refinancing when the math does not support it (score < 6).",
      "tags": ["savings", "breakeven", "recommendation", "analysis", "honest"],
      "examples": [
        "Should I refinance my $300K mortgage from 7.5% to 6.25% given $4,000 in closing costs?",
        "Compare my current loan to the best refinance option and tell me the breakeven."
      ],
      "inputModes": ["text/plain", "application/json"],
      "outputModes": ["text/event-stream", "text/plain"]
    },
    {
      "id": "compliance-disclosures",
      "name": "Embedded Compliance Disclosures",
      "description": "Every quote ships with the disclosures a Loan Estimate would carry: TRID (rate lock, APR with equal prominence to rate, fee transparency), ECOA (right to receive a copy of the appraisal, non-discrimination), TILA (truth-in-lending APR calculation, finance-charge classification), RESPA (right to shop for settlement services). Prohibited phrases (pre-approval, commitment, guaranteed, locked) are never used in agent responses.",
      "tags": ["compliance", "TRID", "ECOA", "TILA", "RESPA", "NMLS", "disclosures", "licensed-broker"],
      "examples": [
        "What disclosures will I see on my rate quote?",
        "Is this a commitment to lend?"
      ],
      "inputModes": ["text/plain", "application/json"],
      "outputModes": ["text/event-stream", "text/plain"]
    },
    {
      "id": "mortgage-statement-parsing",
      "name": "Mortgage Statement Extraction",
      "description": "Upload a borrower's mortgage statement and the agent extracts: current rate, balance, P&I payment, loan type, remaining term, property address, and lender name. Used to skip the interview when the borrower has their statement handy.",
      "tags": ["statement", "extraction", "OCR", "data-collection"],
      "examples": [
        "Here's my mortgage statement [attached] — can you pull my current details and quote me a refinance?"
      ],
      "inputModes": ["text/plain", "application/json", "image/png", "image/jpeg", "application/pdf"],
      "outputModes": ["text/event-stream", "application/json"]
    }
  ],
  "supportsAuthenticatedExtendedCard": false
}