Skip to main content

Agent · Backlog

Refinance Rate and Savings Optimization Agent

Prices refinance and private loan offers across term and rate-type options and quantifies borrower savings while warning about loss of federal protections.

Not yet specifiedAssistiveComplexity: Medium
This agent is in the backlog. Registered interest decides which agents are specified and prototyped next.

What it does

  • Generate rate and term matrix from credit tier and cost of funds
  • Compute lifetime savings vs. current loans
  • Flag federal benefits forfeited on refinancing federal loans (IDR, PSLF, forbearance) and surface the warning
  • Produce Reg Z approval and final disclosures
  • Escalate pricing exceptions

Systems and data it works with

  • Pricing engine
  • LOS
  • Loan aggregation data
  • Disclosure generation