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 tells you if they don't
Licensed States
Alabama, Florida, Georgia, North Carolina, South Carolina, 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 7 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
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.
