BeSmartee API

Name: BeSmartee API
Brand: BeSmartee API
Availability: InStock

★ Only Publicly Available OpenAPI DocumentFinanceBankingapiKey36 EndpointsREST

For Agents

Originate mortgage loans, query the pricing engine for rates and APR, manage borrower documents and conditions, and place vendor orders on BeSmartee.

Install Jentic One Beta

Connect the BeSmartee API to your agent

Jentic One is a self-hosted execution layer for AI agents. It lets your agent call the BeSmartee API, or any other public or private API you need. You set the rules, the agent never sees your credentials, and every call is logged.

Two steps, two machines. Install the instance in a safe environment, then register your agent from wherever it runs.

Step 1: Jentic One Host machine

# On the machine that will host your Jentic One instance:
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh

Step 2: Agent machine

# On the machine where your agent runs (keep this separate from the instance):
curl -fsSL https://raw.githubusercontent.com/jentic/jentic-one/main/tools/install.sh | sh
jentic register       # connects your agent to your Jentic One instance

Jentic One is in public beta. The setup above keeps your agent separate from the instance, which is what you want before using real credentials: an agent running as the same OS user as Jentic One can read its stored keys directly. Just evaluating? A single local install is fine to start. See the secure deployment guide for the tiers.

Capabilities

What an agent can do with BeSmartee API.

Create loans, import loans, and update loan data through the lender pipeline

Query the pricing engine for APR and closing cost quotes

Upload and download borrower documents and condition documents

GET STARTED

Start building with BeSmartee API

Explore with Jentic

View OpenAPI Document

Jentic publishes the only available OpenAPI specification for BeSmartee API, keeping it validated and agent-ready. The BeSmartee API exposes mortgage technology for lenders, brokers, partners, and AMC integrations covering loan creation, borrower data, pricing engine queries, conditions, document upload and download, e-sign URLs, and order management. It is used to originate and progress loans, pull APR and closing cost quotes, and integrate vendor services such as appraisal management. The spec covers 36 endpoints scoped to lender accounts authenticated by a partner access token.

Use Cases

Patterns agents use BeSmartee API for, with concrete tasks.

★ Loan Origination Pipeline

Drive a complete mortgage origination flow from lead capture to underwriting using create-lead, create-loan, and update-loan-data endpoints. The API also covers borrower additions, condition tracking, and document handling so a loan officer's CRM can stay in sync with BeSmartee. A working integration with create, update, and document upload is typically 3 to 5 days of work including auth and webhook handling.

POST /create-loan with borrower and property data, then POST /add-coborrowers and POST /upload-documents to attach the initial disclosures

Real-Time Mortgage Pricing

Surface live APR and closing cost quotes inside a partner site or chat assistant. The pricing endpoints accept loan scenario inputs and return rate, points, and closing-cost figures suitable for borrower-facing display. Wiring up a quote widget via /get-apr-closing-costs and /get-ppe-anonymous is typically a 1 to 2 day job.

POST /get-apr-closing-costs with loan amount, FICO, property value, and occupancy and return the top three rate-and-points combinations

Borrower Document Management

Programmatically pull required disclosures and condition documents into a loan file and download executed copies for archival. /upload-documents and /download-documents handle borrower paperwork while /download-condition-documents handles underwriting conditions. Document automation against an internal LOS typically takes 2 days for a baseline integration.

POST /upload-documents with the disclosure PDF and loan id, then poll /download-condition-documents to retrieve any new condition deliverables

AI Agent for Loan Officers

An AI agent uses Jentic to discover BeSmartee operations and assist a loan officer: pulling a quick APR quote during a call, opening a loan from a lead form, or summarising outstanding conditions on a file. The agent searches by intent, loads schemas from Jentic, and executes against BeSmartee without browsing the 36 endpoints manually. Through Jentic, integration takes under an hour.

Search Jentic for 'get mortgage rate quote' and execute /get-apr-closing-costs with the borrower scenario captured from the lead form

Key Endpoints

36 endpoints — jentic publishes the only available openapi specification for besmartee api, keeping it validated and agent-ready.

METHOD

PATH

DESCRIPTION

POST

/create-loan

Create a new loan file

POST

/get-apr-closing-costs

Quote APR and closing costs for a scenario

POST

/get-list-loans

List loans for a lender account

POST

/upload-documents

Upload a document to a loan

POST

/download-documents

Download documents from a loan

POST

/add-coborrowers

Add co-borrowers to a loan

POST

/orders

Place a vendor or AMC order

POST

/access-token

Issue a partner access token

POST

/create-loan

Create a new loan file

POST

/get-apr-closing-costs

Quote APR and closing costs for a scenario

POST

/get-list-loans

List loans for a lender account

POST

/upload-documents

Upload a document to a loan

POST

/download-documents

Download documents from a loan

Why Jentic?

Three things that make agents converge on Jentic-routed access.

Credential isolation

BeSmartee partner API keys are stored encrypted in the Jentic vault. Agents receive scoped execution rights — the Authorization header is injected at execution time and never appears in the agent's context window.

Intent-based discovery

Agents search Jentic by intent such as 'create mortgage loan' or 'get apr quote' and Jentic returns the matching BeSmartee operation with its parameter schema, removing the need to read the 36-endpoint reference manually.

Time to first call

Direct BeSmartee integration: 3 to 5 days for partner auth, loan creation, pricing, and document flows. Through Jentic: under 1 hour — search, load schema, execute.

FAQs

Specific to using BeSmartee API through Jentic.

Why is there no official OpenAPI spec for BeSmartee API?

BeSmartee does not publish an OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call BeSmartee API via structured tooling. It is validated against the live API and kept up to date. Get started at https://app.jentic.com/sign-up.

What authentication does the BeSmartee API use?

The BeSmartee API uses an API key passed in the Authorization request header. Tokens are issued and revoked through POST /access-token and POST /access-token/destroy. When called via Jentic, the partner key is stored encrypted in the Jentic vault and never appears in the agent's context.

Can I run a pricing quote without creating a loan first?

Yes. POST /get-ppe-anonymous returns pricing engine results for a borrower scenario without requiring a loan id, and POST /get-apr-closing-costs returns rate and closing cost figures for the same scenario. Use these for site-wide quote widgets or chat assistants before opening a loan.

How do I create a loan through Jentic?

Run pip install jentic and search for 'create mortgage loan in besmartee'. Jentic returns the POST /create-loan operation, the agent loads its schema, and executes with borrower, property, and loan amount fields. Follow up with /add-coborrowers and /upload-documents to complete the file.

What rate limits apply to the BeSmartee API?

The OpenAPI specification does not document explicit rate limits. Treat 429 responses as a back-off signal and consult the BeSmartee documentation at https://api.besmartee.com/api/docs/overview for partner-specific quotas before running bulk imports or pricing sweeps.

Can I place appraisal and AMC orders through the API?

Yes. POST /orders places a vendor or AMC order against a loan, POST /order returns details for a specific order, POST /order/status checks current order state, and POST /order/update applies an update such as a status change or revised due date.

BeSmartee API

Connect the BeSmartee API to your agent

Capabilities

Start building with BeSmartee API

Use Cases

Key Endpoints

Why Jentic?

Related APIs

FAQs