mortgage

Mortgage Plugin for Claude Code

The first mortgage refinance pricing plugin for Claude Code. Get live rate quotes, savings analysis, and loan application submission — all within the chat interface.

Technology by Nexus Digital Group LLC. Mortgage origination by Atlantic Home Mortgage LLC dba Lendtrain (NMLS# 1844873).

Install

Install from GitHub:

/plugin marketplace add lendtrain/mortgage
/plugin install mortgage@mortgage

Coming soon — install from the Anthropic Plugin Directory:

/plugin install mortgage@anthropic

Then run:

/mortgage:refi-quote

What It Does

Upload your mortgage statement or answer a few questions, and the plugin:

• Prices your refinance using live wholesale rate data for Conventional, FHA, and VA loans
• Detects FHA Streamline and VA IRRRL eligibility automatically from your mortgage statement
• Calculates itemized closing costs specific to your state
• Runs a savings analysis with monthly payment comparison, breakeven timeline, and total interest savings
• Scores your refinance from 1-10 with a weighted recommendation based on savings, breakeven, rate improvement, and goal alignment
• Connects you to apply if the numbers make sense — or honestly tells you if they don't

Licensed States

Alabama, Florida, Georgia, Kentucky, North Carolina, Oregon, South Carolina, Tennessee, Texas, Utah

How It Works

The plugin bundles domain expertise as Claude Code skills:

Skill	What It Does
mortgage-loan-officer	Interview methodology, credit score tiers, DTI thresholds, field mappings
mortgage-compliance	TRID, RESPA, TILA, ECOA rules and required disclosures
closing-costs	Itemized state-specific fee schedules for all 10 licensed states
security-guardrails	Prompt injection defense and data collection boundaries
about-atlantic-home-mortgage	Organization context, licensing, and contact information

The /mortgage:refi-quote command orchestrates the full workflow: interview the borrower, collect loan details, call the pricing engine, run the analysis, and present results with proper compliance disclosures.

Live pricing is provided by a separate MCP server that ingests daily wholesale rate sheets. The plugin connects to it automatically via the .mcp.json configuration — no API keys or setup required.

Pricing Engine

The plugin connects to a mortgage pricing MCP server that exposes three tools:

Tool	Description
calculate_pricing	Price a single loan product (Conventional, FHA, or VA)
calculate_all_pricing	Price all eligible products simultaneously and compare
get_effective_date	Check when the current rate sheet was published

See CONNECTORS.md for full API schemas, request/response fields, and integration details.

Compliance Hooks

The plugin includes 4 compliance hooks that enforce business rules programmatically:

Hook	Type	Enforces
guard-sensitive-data.sh	Bash (UserPromptSubmit)	Blocks SSN/DOB patterns in user input
validate-pricer-request.md	Prompt (PreToolUse)	State licensing, LTV limits, VA funding fee type, required fields
hooks.json inline prompt	Prompt (PostToolUse)	basePrice suppression, payment field correctness, MI disclosures
enforce-disclosures.md	Prompt (Stop)	Rate disclaimers, NMLS, MI permanence, prohibited phrases

Compliance

This plugin is designed for TRID, RESPA, TILA, and ECOA compliance:

• Never collects SSN, DOB, bank account numbers, or passwords (enforced by bash hook)
• Uses "estimate" and "quote" — never "pre-approval" or "guaranteed" (enforced by Stop hook)
• Presents APR alongside note rate on all quotes
• Includes required settlement services disclosure
• Directs borrowers to secure application portal for sensitive data
• Provides Equal Housing Opportunity notice
• Conventional MI (LTV > 80%) disclosed as temporary, dropping at 80% LTV
• FHA MIP disclosed as permanent for the life of the loan
• VA funding fee tiers: 0.5% IRRRL, 2.15% first-time, 3.3% subsequent, 0% exempt

Contact

• Phone: 678-643-4242
• Email: [email protected]
• Website: lendtrain.com
• Application portal: Apply here
• NMLS#: 1844873

License

Proprietary — see LICENSE for full terms.

Technology owned by Nexus Digital Group LLC. "Lendtrain" is a registered trademark of Atlantic Home Mortgage LLC. Mortgage origination services provided by Atlantic Home Mortgage LLC dba Lendtrain (NMLS# 1844873). Equal Housing Opportunity.