Atlantic Home Mortgage Debuts Lendtrain Refinance Platform

The platform targets the friction often associated with the early research phase of refinancing. By entering basic mortgage data, users can access wholesale pricing comparisons for various scenarios, including cash-out, VA streamline, and jumbo loans. Founder Tony Davis argues that the industry focus on rates often obscures the more critical metric: the break-even point. Lendtrain emphasizes how many months of monthly savings are required to recoup the closing costs associated with a new loan.

Operating through the mortgage broker channel, the service allows users to bypass the limitations of retail pricing. Once a user decides to move forward, the process transitions from the algorithm to licensed mortgage professionals. Currently active in ten states, including Georgia, Texas, and Florida, the platform represents a shift toward self-service transparency in the mortgage market. Davis, who brings 17 years of industry experience to the project, oversees a team that has previously funded over $1 billion in loans.