mortgage

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:
**Coming soon** — install from the Anthropic Plugin Directory:
Then run:
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 |