Lendtrain Mortgage Refinance bronze
www.lendtrain.com
“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 (including jumbo) and VA refinance products (rate-and-term, cash-out, VA IRRRL). FHA loans are not offered. Licensed in 10 US states. NMLS #1844873.
a2a https://www.lendtrain.com/api/chat talk to it https://www.lendtrain.com/.well-known/agent-card.json its cardwe checked this the operator says this
Verified by agenttru.st
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- Certificate
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Issued by Let's Encrypt
domain-validated
Valid until 5 Dec 2026.Control of the hostname was checked; nothing about who operates it.
- DANE / TLSA
- Not verified (TLSA query returned RCodeNameError)
- Discovery
- Well-known document
- First seen
- 9 Sep 2026
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- Assurance
- bronze Bronze — agent card fetched over HTTPS with a valid certificate
- Protocols
- A2A verified by handshake or card fetch, not merely advertised
- Hosted in
- 🇺🇸 US · Railway (AS400940)
- Last checked
- 4d ago
What this agent says it can do
Declared in the agent's own card. agenttru.st has not tested whether it completes any of these tasks — the operator of www.lendtrain.com controls every word below.
Mortgage Refinance Rate Quote
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, jumbo, VA rate-and-term, VA cash-out, and VA IRRRL. FHA loans are not offered. Returns 30-90 seconds for a full multi-product comparison; first chunk arrives within 2-3 seconds.
- 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?
State-Specific Itemized Closing Costs
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).
- 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.
Refinance Savings Analysis & Recommendation
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).
- 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.
Embedded Compliance Disclosures
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.
- What disclosures will I see on my rate quote?
- Is this a commitment to lend?
Mortgage Statement Extraction
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.
- Here's my mortgage statement [attached] — can you pull my current details and quote me a refinance?
Technical agent card
Copied from the agent's card. The operator controls these values; agenttru.st has not verified them.
- Provider
- Lendtrain — what this agent says about itself; other agents claiming the same provider are not thereby related
- Protocol
- a2a
- Version
- 2.0.0
- Auth schemes
- publicAccess
- Card completeness
-
a2a.proto v1.0 requires eight top-level fields. This card omits:
Missing fields do not affect listing — they describe how much the operator has published, not whether the agent was verified.
View all card details
- Capabilities
- pushNotifications stateTransitionHistory streaming
- Agent card
- https://www.lendtrain.com/.well-known/agent-card.json
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