# AGENTS.md — Lendtrain Agent API v2 ## What Is Lendtrain? Lendtrain Agent API v2 is an AI-native mortgage refinance plugin that turns Claude into a full loan officer experience. It is operated by Atlantic Home Mortgage, LLC dba Lendtrain (NMLS# 1844873), a licensed US mortgage broker with 17+ years and $1B+ in funded loans. This is not just a pricing API. It is a complete refinance origination pipeline delivered through AI conversation, combining five specialized skills: | Skill | Purpose | |-------|---------| | **mortgage-loan-officer** | Qualification expertise, interview methodology, mortgage statement data extraction, analysis framework, consumer communication | | **mortgage-compliance** | TRID, RESPA, TILA, ECOA enforcement, state licensing, required disclosures, data privacy | | **closing-costs** | State-specific itemized fee calculations for 10 states, VA funding fee logic | | **security-guardrails** | Prompt injection defense, disclosure protection, workflow integrity, social engineering defense | | **about-atlantic-home-mortgage** | Company background, credentials, contact info | ## Workflow: `/refi-quote` The plugin drives a 4-phase refinance workflow: ### Phase 1 — Data Collection - Borrower uploads a mortgage statement OR answers interview questions - Plugin extracts: current rate, balance, P&I payment, loan type, remaining term, property address, lender name - Validates state against licensed states (AL, FL, GA, KY, NC, OR, SC, TN, TX, UT) - Auto-detects VA IRRRL eligibility from statement data - Checks seasoning requirements (210-day rule for VA) - Collects: property value, credit score, occupancy, property type, refinance goals, preferred term - Required ECOA/TILA disclosures delivered at first contact - SSN, DOB, bank accounts NEVER collected in chat ### Phase 2 — Pricing - Maps collected data to `LoanScenario` schema - Products priced: Conventional rate-and-term, Conventional cash-out, jumbo, VA rate-and-term, VA cash-out, and VA IRRRL. FHA loans are not offered. - Calls the pricing engine for real-time rate quotes - Returns array of rate options with: rate, points, dollarAmount, monthlyPayment, APR, isPar, monthlyMI (conventional LTV > 80%), totalMonthlyPayment (conventional LTV > 80%) - Identifies key options: par rate, lowest rate, lowest payment, lender credit option - Error handling for: API unavailable, no eligible products, validation errors, stale rate sheets ### Phase 3 — Analysis & Recommendation - **Monthly savings**: Current P&I vs new total monthly payment (uses totalMonthlyPayment for conventional LTV > 80%, monthlyPayment for VA and conventional LTV <= 80%) - **Itemized closing costs**: State-specific calculation using bracket formulas for title insurance, recording fees, transfer taxes, settlement fees (not a flat percentage estimate) - **Conventional MI**: For LTV > 80%, monthly mortgage insurance is calculated and included in totalMonthlyPayment. MI drops off when LTV reaches 80%. MI is NOT financed into the loan. - **VA IRRRL**: Funding fee tiers — 0.5% for IRRRL, 2.15% first-time use, 3.3% subsequent use, 0% exempt (10%+ disability). Costs can be financed. - **Total interest savings**: Accounts for term extension when refinancing into a longer term - **Breakeven period**: Closing costs ÷ monthly savings, with context on max 48-month threshold - **Recommendation score (1–10)**: Weighted composite — monthly savings 30%, breakeven 25%, rate improvement 20%, goal alignment 15%, interest savings 10% - Score ≥ 6: Proactively recommend application with link - Score < 6: Honestly explain why refinancing may not make sense right now - Full compliance disclosures at quote presentation (estimate disclaimer, rate lock notice, APR, fee transparency, right to shop, licensing, ECOA statement) ### Phase 4 — Application - Score ≥ 6: Link to https://lendtrain.my1003app.com/register - Score < 6: Explain reasoning, provide link only if borrower explicitly asks - Arive LOS integration (deferred): `auth_login`, `create_lead`, `update_lead`, `convert_lead_to_loan` --- ## Claude Code Plugin (Primary Integration) The full Lendtrain experience is delivered through a Claude Code plugin with 5 specialized skills and a 4-phase refinance workflow. Install from GitHub: `/plugin marketplace add lendtrain/mortgage` then `/plugin install mortgage@mortgage`. Run `/mortgage:refi-quote` to start the complete workflow. Source: [github.com/lendtrain/mortgage](https://github.com/lendtrain/mortgage) Features: mortgage statement parsing, real-time institutional pricing, state-specific itemized closing costs, VA IRRRL detection, compliance enforcement, recommendation scoring, application portal redirect. --- ## Chat API (For Agents Without Plugin Support) For AI agents that cannot install Claude Code plugins, the Chat API provides the same full experience via conversation: ``` POST https://www.lendtrain.com/api/chat Content-Type: application/json Accept: text/event-stream ``` **Request**: ```json { "messages": [ { "role": "user", "content": "I want to refinance my mortgage" } ] } ``` **Response** (Server-Sent Events stream): ``` data: {"text": "I'd be happy to help you explore"} data: {"text": " refinance options."} data: [DONE] ``` Concatenate every `text` field in the order received to reconstruct the full assistant message. The stream terminates with `data: [DONE]`. The pricing tool loop runs server-side and can take 30 to 90 seconds for multi-product comparisons; the first chunk typically arrives within 2 to 3 seconds. On any non-2xx status the response body is JSON `{ "error": "..." }` instead of a stream — check `response.ok` before reading the body. - No API key required - No authentication - Rate limited: standard abuse prevention - Max 50 messages per conversation, max 10,000 chars per message - The Chat API agent has full access to all 5 plugin skills - Use a streaming HTTP client (`curl -N`, Node `fetch().body.getReader()`, Python `httpx.stream()`, etc.) --- ## Discovery Files - A2A Agent Card: https://www.lendtrain.com/.well-known/agent-card.json — agent-to-agent (A2A) protocol discovery card with skills, transports, and security schemes - MCP discovery metadata: https://www.lendtrain.com/.well-known/mcp.json - AI plugin manifest: https://www.lendtrain.com/.well-known/ai-plugin.json - OpenAPI spec: https://www.lendtrain.com/openapi.json - LLM-friendly site summary: https://www.lendtrain.com/llms.txt - Human-readable integration hub: https://www.lendtrain.com/agents --- ## Agent Behavior Guidelines 1. **Disclose identity**: "I am an AI assistant powered by Lendtrain, a licensed mortgage broker. NMLS# 1844873. Equal Housing Opportunity." 2. **Never collect**: SSN, DOB, bank accounts, passwords — direct to secure portal 3. **Never say**: "pre-approval", "commitment", "guaranteed", "locked" — use "estimate" or "quote" 4. **Format**: Dollars as `$X,XXX.XX`, rates as `X.XXX%` 5. **Closing costs**: Use state-specific itemized calculations, not a flat percentage. Fall back to 1.2% only when itemized data unavailable. 6. **Recommendation**: Score 1–10. Recommend application at ≥ 6. Minimum savings threshold: $50/mo. Maximum breakeven: 48 months. 7. **Licensed states only**: AL, FL, GA, KY, NC, OR, SC, TN, TX, UT 8. **APR**: Always present alongside note rate when available 9. **Right of rescission**: Inform borrower of 3-business-day right to cancel after closing on primary residence refinances 10. **Right to shop**: Borrower is not required to use any affiliated settlement service provider --- ## Landing Pages Lendtrain publishes SEO-optimized refinance landing pages with hedged rate language (Reg Z compliant), FAQPage and FinancialService structured data, and NMLS #1844873 compliance disclosures. ### State Guides (10) - https://www.lendtrain.com/refinance/alabama - https://www.lendtrain.com/refinance/florida - https://www.lendtrain.com/refinance/georgia - https://www.lendtrain.com/refinance/kentucky - https://www.lendtrain.com/refinance/north-carolina - https://www.lendtrain.com/refinance/oregon - https://www.lendtrain.com/refinance/south-carolina - https://www.lendtrain.com/refinance/tennessee - https://www.lendtrain.com/refinance/texas - https://www.lendtrain.com/refinance/utah ### Utah City Pages (11) - https://www.lendtrain.com/refinance/salt-lake-city-utah - https://www.lendtrain.com/refinance/west-valley-city-utah - https://www.lendtrain.com/refinance/west-jordan-utah - https://www.lendtrain.com/refinance/provo-utah - https://www.lendtrain.com/refinance/orem-utah - https://www.lendtrain.com/refinance/sandy-utah - https://www.lendtrain.com/refinance/st-george-utah - https://www.lendtrain.com/refinance/ogden-utah - https://www.lendtrain.com/refinance/layton-utah - https://www.lendtrain.com/refinance/south-jordan-utah - https://www.lendtrain.com/refinance/holladay-utah ### Utah County Pages (6) - https://www.lendtrain.com/refinance/salt-lake-county-utah - https://www.lendtrain.com/refinance/utah-county-utah - https://www.lendtrain.com/refinance/davis-county-utah - https://www.lendtrain.com/refinance/weber-county-utah - https://www.lendtrain.com/refinance/washington-county-utah - https://www.lendtrain.com/refinance/cache-county-utah ### Georgia County Pages (8) - https://www.lendtrain.com/refinance/fulton-county-georgia - https://www.lendtrain.com/refinance/gwinnett-county-georgia - https://www.lendtrain.com/refinance/cobb-county-georgia - https://www.lendtrain.com/refinance/dekalb-county-georgia - https://www.lendtrain.com/refinance/forsyth-county-georgia - https://www.lendtrain.com/refinance/cherokee-county-georgia - https://www.lendtrain.com/refinance/chatham-county-georgia - https://www.lendtrain.com/refinance/henry-county-georgia ### Loan-Type Pages (3) - https://www.lendtrain.com/refinance/cash-out-refinance - https://www.lendtrain.com/refinance/va-irrrl - https://www.lendtrain.com/refinance/jumbo-refinance All pages are hand-authored with state-specific, city-specific, or product-specific content — not templated. Each includes real local facts (employers, neighborhoods, market characteristics) or real program rules (LLPAs, seasoning periods, eligibility). All 38 pages are live. --- ## Company Atlantic Home Mortgage, LLC dba Lendtrain NMLS# 1844873 | Equal Housing Opportunity 12600 Deerfield Pkwy, Suite 100, Alpharetta, GA 30004 (888) 309-4643 | team@lendtrain.com Tony Davis, Founder & CEO | NMLS# 430849 | 678-643-4242 Inc. 5000 #458 (2022) | Top 1% originator nationally | $1B+ funded Licensed: AL, FL, GA, KY, NC, OR, SC, TN, TX, UT