# 2nded

> 2nded is a re-engagement intelligence platform for US mortgage brokers. It scans a broker's past-client database (via CSV export from any CRM/LOS) to surface refinance, HELOC, ARM reset, and anniversary opportunities — each ranked by estimated monthly savings and commission.

## What it does
- Parses a CSV export from Encompass, Arive, BNTouch, LendingPad, Calyx, Surefire, HubSpot, Salesforce, or Google Sheets.
- Compares each client's locked note rate against current US par pricing (conventional, FHA, VA, jumbo, ARM) to flag refinance opportunities 0.5%+ above market.
- Detects HELOC candidates from estimated equity, ARM resets by reset date, and loan anniversaries.
- Estimates commission per opportunity (1.0% UPB refi, 0.75% ARM rescue, flat HELOC).
- Drafts AI outreach (email, SMS, call opener) per opportunity.

## Pricing
- Free Scan — $0 one-time. Up to 5,000 records. Browser-only parsing.
- Founding Broker — $25/month. Unlimited on-demand scans, saved history, AI outreach, weekly digest. Grandfathered price.
- Team — $100/month. 5 loan officer seats, unlimited records, shared history.

## Data & privacy
- Free-tier CSVs are parsed entirely in-browser and never uploaded.
- Paid tiers store only derived opportunity records (no SSNs, DOBs, account numbers) in an encrypted US-based database with row-level access controls.
- Broker-controlled retention (30 / 90 / 365 days) and one-click "delete all my scans".

## Links
- Home: https://www.2nded.com/
- Pricing: https://www.2nded.com/pricing
- Free scan: https://www.2nded.com/scan
- Contact: https://www.2nded.com/contact
- Privacy: https://www.2nded.com/privacy
- Terms: https://www.2nded.com/terms