# refinancing.vin
> The loan, re-read: an auto refi from a photograph of the contract — the payoff, today's posted value, and the refund a state rule returns.

The re-read of the loan already on the record: an auto refi that starts from a photograph of the contract — the payoff, today's posted value, a lower payment where the arithmetic supports one, and the F&I refund a state rule returns on unused coverage. No score impact until the soft pull is approved; two signatures stay yours.

Motions: B2H2A
Routes: GET / (this document's page) · GET /{VIN} (the record for one vehicle)
Representations: text/html · text/markdown · application/json (Accept header; same URL)
Evidence: every field posts value · source · timestamp · verification state; empty states are typed EMPTY, invalid VINs are typed INVALID_VIN — never a faked 200.
Agent surface: one MCP server for the whole platform — https://apis.vin/mcp (all .vin doors are lenses over one spine; tools: decode_vin, vehicle_history, market_value, window_sticker, out_the_door_price, open_recalls, search_listings, cash_offer, transport_quote, finance_prequal, insurance_quote, start_purchase)
Gates: typed OFFER (posted price, hard ceiling, x402) or NEEDS_HUMAN handoff URL — no account walls.
Auth: https://auth.vin (issuer) · keys/metering via id.org.ai
Siblings:
https://commerce.vin/
https://buy.vin/
https://offers.vin/
https://financing.vin/
https://fi.vin/
https://insure.vin/
https://taxes.vin/
https://escrow.vin/
https://lease.vin/