.codex-plugin/plugin.json

{
  "author": {
    "name": "LoanFactory, Inc"
  },
  "description": "Get real mortgage numbers from Loan Factory, Inc. (NMLS #320841), a licensed mortgage broker, priced off today's lender rate sheets.\nAsk what a loan would actually cost you and get current options with the note rate, APR, monthly principal and interest, mortgage insurance where it applies, and estimated closing costs. Ask what you can afford on your income and existing debts. Check whether a loan is conforming or jumbo in a specific county, what the FHA ceiling is, and how the limits change for a duplex, triplex or fourplex. \nYou do not need to know your ZIP code \u2014 give a city and state and it resolves the county for you, since loan limits are set per county and can differ by hundreds of thousands of dollars within one state.\nAnswer with whatever you know. If you leave something out, a representative figure is used and reported back, so you always see what the numbers rest on and can correct it. Rates are estimates, not loan offers or locked rates, and no account or sign-up is required.",
  "extensions": {
    "com.openai": {
      "review": {
        "commerce": false,
        "commerce_description": "This plugin does not sell products or process payments. It returns mortgage rate estimates, loan limits and affordability figures.",
        "demo_recording_url": "https://drive.google.com/file/d/1ji6t4bfFt4hbrqmplNPaOf2HFKTy1MTZ/view",
        "test_cases": {
          "negative": [
            {
              "description": "A state Loan Factory is not licensed in",
              "expected_behavior": "The tool reports that Loan Factory does not lend in Brooklyn, NY. The reply says so and gives no Loan Factory rate for that location. Any market figures it mentions are clearly attributed to other sources, not to Loan Factory.",
              "prompt": "What are mortgage rates in Brooklyn, NY?",
              "tools_triggered": "get_mortgage_rate_estimate"
            },
            {
              "description": "Rate lock or loan application",
              "expected_behavior": "Says the plugin provides estimates only and cannot lock a rate or take an application. Any figure shown is labelled an estimate, not a loan offer or locked rate, with the disclosure.",
              "prompt": "Lock in a 6.5% rate on my $400k loan and submit my application."
            },
            {
              "description": "Credit pull or approval decision",
              "expected_behavior": "No credit is pulled and no approval is stated or implied. It can offer an estimate for a credit score the user provides.",
              "prompt": "Pull my credit and tell me if I'm approved for a mortgage."
            }
          ],
          "positive": [
            {
              "description": "Cash-out refinance on a rental property",
              "expected_behavior": "Calls the tool and returns Loan Factory's priced estimate for the Austin, TX 78701 cash-out scenario, with note rate, APR and monthly principal and interest. Any assumptions it names cover only what was not given (such as property type, loan type or term), not income or first-time status, because cash-out pricing uses neither. The disclosure is shown with the figures.",
              "prompt": "I want a cash-out refinance: $500k loan on an $800k investment property in Austin, TX 78701. My credit score is 700 and I have 3 financed properties.",
              "tools_triggered": "get_mortgage_rate_estimate"
            },
            {
              "description": "A bare rate question with no details",
              "expected_behavior": "Calls the tool without asking for details first and returns rates for a representative scenario. The reply states the main assumptions it used (a San Jose, CA location, a $400,000 loan on a $500,000 purchase, 740 credit), offers to reprice with the user's real details, and shows the disclosure.",
              "prompt": "What are mortgage rates right now?",
              "tools_triggered": "get_mortgage_rate_estimate"
            },
            {
              "description": "Conforming check by ZIP code",
              "expected_behavior": "Palo Alto, Santa Clara County. The 1-unit conforming limit is $1,249,125, so a $900,000 loan is conforming. The reply may also give the FHA limit.",
              "prompt": "Is a $900,000 loan conforming in ZIP 94301?",
              "tools_triggered": "get_county_loan_limits"
            },
            {
              "description": "Home affordability",
              "expected_behavior": "A maximum purchase price of about $837,600 and a loan of about $737,600, with the basis stated: a 43% debt-to-income ceiling, no HOA, mortgage insurance excluded.",
              "prompt": "I make $180k a year, pay $800 a month in debts and have $100k down. What can I afford at 6.5% over 30 years with 1.2% property tax and $1,800 a year insurance?",
              "tools_triggered": "estimate_affordability"
            },
            {
              "description": "A city instead of a ZIP code",
              "expected_behavior": "Options priced for Santa Clara County, naming the ZIP code used, with the disclosure. resolve_zip_code may run first.",
              "prompt": "I'm buying in San Jose, California but don't know the ZIP. What are rates on a $400k loan for a $500k home, 740 credit, first-time buyer, $180k income?",
              "tools_triggered": "get_mortgage_rate_estimate"
            }
          ]
        }
      }
    }
  },
  "interface": {
    "capabilities": [],
    "category": "Finance",
    "composerIcon": "./assets/logo.png",
    "defaultPrompt": [
      "What are mortgage rates in San Jose, California?",
      "How much house can I afford on $200k a year with $1,200 of monthly debt?"
    ],
    "developerName": "LoanFactory, Inc",
    "displayName": "LoanFactory, Inc",
    "logo": "./assets/logo.png",
    "longDescription": "Get real mortgage numbers from Loan Factory, Inc. (NMLS #320841), a licensed mortgage broker, priced off today's lender rate sheets.\nAsk what a loan would actually cost you and get current options with the note rate, APR, monthly principal and interest, mortgage insurance where it applies, and estimated closing costs. Ask what you can afford on your income and existing debts. Check whether a loan is conforming or jumbo in a specific county, what the FHA ceiling is, and how the limits change for a duplex, triplex or fourplex. \nYou do not need to know your ZIP code \u2014 give a city and state and it resolves the county for you, since loan limits are set per county and can differ by hundreds of thousands of dollars within one state.\nAnswer with whatever you know. If you leave something out, a representative figure is used and reported back, so you always see what the numbers rest on and can correct it. Rates are estimates, not loan offers or locked rates, and no account or sign-up is required.",
    "privacyPolicyURL": "https://ai.loanfactory.com/mcp/privacy.html",
    "shortDescription": "Real-time mortgage rates",
    "supportURL": "https://www.loanfactory.com/contact-us",
    "termsOfServiceURL": "https://www.loanfactory.com/terms-and-conditions",
    "websiteURL": "https://loanfactory.com"
  },
  "mcpServers": "./.mcp.json",
  "name": "loanfactory",
  "version": "1.0.3",
  "apps": "./.app.json"
}