For mortgage brokers · 25 founding seats
Find the refinances hiding in loans you already closed.
Upload your closed loans. In about five minutes you'll see every past client who would save by refinancing with you this week, how much, and the math behind every number. Then Recapture re-checks your whole book every week, automatically.
Find at least 3 past clients worth calling, or you never pay.
$297/mo founding price, locked for life · No card to start · Cancel anytime
Every refinance you don't catch goes to someone else.
The refinance usually goes to whoever reaches the borrower first, and that's often not the broker who earned the relationship. Your closed-loan history already tells you who would benefit. Nobody has time to re-run that math by hand for every borrower, every week.
Their bank texts them. A lender they've never met mails them a refi offer. A competitor runs the same math you could have. You earned that client, and they refinance with a stranger.
Recapture re-prices your whole book every Thursday, the moment Freddie Mac publishes the new rate, so you're the first call, not the last to find out.
Do the math on your own book
What's sitting in your closed loans right now?
Your numbers, not ours. Change any of them.
Your guess. It depends on when your loans closed and where rates go. Recapture tells you the real number for your book.
If you don't call them, someone else will. It's usually whoever reaches the borrower first.
Why it works
More closed loans, less work, starting this week.
The outcome you want
Refinances from clients who already trust you, at the moment they'd actually save. No lead buying, no cold calls.
Numbers you can trust
Each loan priced on its own credit score, LTV, occupancy and property type. Every number shows its math, and unknowns show as ranges, so you never call about savings that aren't there.
Fast
First list in about five minutes. After that it re-runs itself every week and flags who's new.
Almost no effort
Upload the spreadsheet you already have. No data entry, no new CRM. Work a ranked list, and text consented clients in one tap.
How it works
From a spreadsheet to a call list in minutes.
- 01
Upload your book
Export closed loans from your LOS or a spreadsheet. Any column names work: Recapture matches them, explains every row it can't use, and never imports the same loan twice.
- 02
Every loan, priced
Today's balance, priced on each borrower's own credit score, LTV, occupancy and property type with the Fannie Mae adjustment grid, from this week's rate or your own. Anything your file is missing becomes an honest range, not a guess.
- 03
Work a ranked list
Ranked by monthly savings, breakeven and loan age, against your own “in the money” rule. Each week, loans that just crossed the line are flagged New.
The math
No black box. Every number, shown.
Open any borrower and see exactly how Recapture got there: the same calculation you'd do on a napkin, done for every loan you've ever closed. When a client asks how you know, you can show them.
- Savings compared on the same remaining term, not a fresh 30-year
- Breakeven = closing costs ÷ monthly savings, rounded up
- Estimated rates are labeled, with the range around the estimate
- Original loan
- $485,000.00
- 30-yr fixed at 7.875%, closed 35 months ago
- Balance today
- $471,927.67
- Standard amortization, 325 months left
- Payment today
- $3,518.27
- Principal and interest
- Refinance rate
- 6.25%
- This week's 30-yr rate + your par adjustment
- New payment
- $3,015.27
- Same remaining term, so savings aren't inflated by a longer loan
- Closing costs
- $11,798.19
- 2.5% of balance; set your own % and flat fees
The founding offer
Everything you get.
- Your whole book, re-priced every weekEvery closed loan, every Thursday, against the new rate. Replaces the spreadsheet you never get to.
- Loan-level pricingCredit score, LTV, occupancy and property type on Fannie Mae's grid, from PMMS or your own rate this week.
- A ranked call listWho saves the most, breaks even fastest and is in the sweet spot, against your own rule. New this week, flagged.
- Compliant texting built inConsent records, STOP handling, quiet hours by time zone, and a guard against Reg Z trigger terms.
- Reply inboxBorrower replies land next to the loan's math, flagged unread.
- Your whole teamEvery loan officer works one shared book under your brand. Admins control pricing and data.
- We import your book for youSend your LOS export. We map it, clean it and load it, and walk you through your first list.
- Founding price, locked for life$297/mo for as long as you stay, even after the price goes to $497.
- A direct line to the builderFounding brokers shape what ships next: home values, cash-out, lender rate sheets.
- Locked for life at $297
- Your whole team included
- No card to start; month to month after
- Find-3-or-free guarantee
Only 25 founding seats. We onboard each brokerage by hand, so the number is real.
The guarantee
Find 3 or it's free.
Upload your book. If Recapture doesn't flag at least 3 past clients who'd save by refinancing within your first 30 days, you never pay a cent. Not for that month, not ever. The risk is ours.
Terms: at least 100 closed first-lien loans uploaded; “flagged” means in the money under the default rule ($150/mo savings and breakeven within 24 months) on fixed-rate loans Recapture can price.
This is for you if
- You've closed 100+ loans and you're keeping the relationships
- You'd rather call a past client than buy another lead
- You want to be first when rates move, not hear about it after
It's not for you if
- You're a retail bank with a servicing department doing this already
- You haven't closed many loans yet (there's nothing to find)
- You want automated text blasts; here, a person always presses send
Outreach
Reach out the right way.
Built around the rules that matter when you text past clients, so doing it right is the default.
Recapture is a tool, not legal advice. Review your outreach practices with your compliance team.
Consent first
Texts go only to borrowers with SMS consent on file, with a record of how they agreed. A STOP reply is honored immediately, and only the borrower can opt back in.
Quiet hours, by time zone
Messages wait for 8am–9pm in the borrower's local time, checked again right before each one sends.
Your brand, no rate quotes
Every text carries your name. Templates can't include rates, payments or dollar amounts, which would trigger Reg Z advertising disclosures.
You press send
No automated blasts. Preview who will be texted, and why anyone is skipped, before anything goes out.
Replies, front and center
Borrower replies land in a thread on the dashboard, flagged unread, with the loan's math one click away.
Borrower data, protected
Each brokerage's book is walled off from every other. Personal details are masked in system logs, and only admins can delete data.
Built for brokerages, not just loan officers.
Your loan officers share one book under your brand. Admins control pricing, the “in the money” rule and data. Each person signs in with their own account.
- One shared bookEvery loan officer works the same ranked list
- Admin controlsPricing, rules and deletes stay with admins
- Your own sign-inEach person has an account; nothing is shared
FAQ
Good questions.
What does it cost?+
$297/mo for founding brokers, locked for life, with your whole team included. After the 25 founding seats are taken the price is $497/mo. No card to start, month to month, cancel anytime.
How does the guarantee work?+
If Recapture doesn't flag at least 3 past clients in the money within your first 30 days, you never pay. You need at least 100 closed loans uploaded, and "in the money" means the default rule: $150/mo savings and breakeven within 24 months.
What do I need to get started?+
A CSV export of loans you've closed. At minimum: borrower name, closing date, loan amount and term. Note rates, contact details and SMS opt-in status make the results sharper.
Do my borrowers get an account?+
No. Recapture is for you and your team. Borrowers only ever see a text from your brand, and only if they've consented.
Where do the rates come from?+
Freddie Mac's weekly Primary Mortgage Market Survey®, or your own rate this week if you enter it. Each loan is then adjusted for its credit score, LTV, occupancy and property type using Fannie Mae's published grid.
Is this a rate quote?+
No. Recapture produces estimates for your prospecting. It isn't an offer to lend, and borrowers never see these numbers from Recapture.
What happens when rates are high?+
Loans that closed at higher rates still save. And the list re-prices every week, so you'll know the moment another past client crosses into the money, before anyone else calls them. If your book turns up fewer than three, the guarantee means you don't pay.
What about ARMs and older loans?+
Fixed 15- and 30-year loans are priced today. ARMs and loans past their term are kept, but listed as not evaluated rather than given a misleading number.
Your past clients are refinancing this year. With you, or with someone else.
25 founding seats at $297/mo, locked for life. Find 3 worth calling or it's free. Upload your book and see your list in minutes.
Claim a founding seat