Mortgage Strategist
Refi opportunities, rate shopping, loan-product matching, points-and-fees analysis. Long-term mortgage optimization.
Continuous monitoring of your mortgage situation. Flags refi opportunities when rates move, runs rate-shopping across lenders for new purchases or refis, analyzes points/fees tradeoffs, recommends loan products fit-for-purpose, prepares lender packets.
Built for
Under the hood
Primary model
claude-sonnet-4-6
Auxiliary models
Vector store
pgvector
Multimodal
pdf-loan-doc-parsing
What it ships with
- Continuous rate monitoring
- Refi opportunity flagging
- Rate-shopping across lenders
- Loan-product fit analysis
- Points + fees tradeoff modeling
- Lender-packet preparation
- Pre-approval coordination
- ARM vs fixed analysis
Primary responsibilities
- 01Rate monitoring
- 02Refi flagging
- 03Rate shopping
- 04Product fit
- 05Lender packets
Secondary responsibilities
- ARM/fixed analysis
- Pre-approval coordination
Workflows
- Loop 1
Daily: rate scan
- Loop 2
On rate move: refi opportunity alert
- Loop 3
On purchase: shop + packet
How we measure it
- Lifetime interest savings
- Closing cost optimization
- Loan-product fit
Integrations
Tools this agent connects to. OAuth scopes are minimum-necessary by default.
Data sources
Information this agent reads at runtime. All scoped to your organization.
Compliance
ROI
How the math works
Mortgage broker fees 0.5–1% of loan. Refi savings often $50–500/month for 10–30 years.
Human equivalent: Mortgage broker (0.5–1% commission)
Risks & mitigations
What could go wrong
- Licensed-mortgage-broker boundary — mitigated by advisory-only positioning + broker HITL
Tags
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