realtor presentation

A Mortgage Company Built for Real Estate AgentsCopyright © 2000-2014 Guaranteed Rate. All rights reserved.

Presented By: John Smith, Vice President of Mortgage Lending

About Guaranteed Rate

2 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

One of the 10 Largest RetailMortgage Lenders in the US


• Founded in 2000 by President and CEO Victor Ciardelli • Licensed in all 50 states and Washington D.C.• Approximately 170 offices nationwide• $12.4 billion in 2014 closed loan volume

Industry Leading Customer Service


High Net Promoter Score (NPS)


• NPS is a tool that lets us know how happy our clients are with our products and services. And they are very happy. We exceeded the financial service industry’s average score by 48 points in 2014, and scored a company best 84 NPS score in the fourth quarter.

Accolades


Guaranteed Rate ranked #1 in retailvolume on the 2014 “Top MortgageLenders” list in the June 2015 issueof Scotsman Guide. It is the secondconsecutive year that Guaranteed Ratehas received this ranking.

Inc. Magazine named Guaranteed Ratethe #4 private company job creator inthe U.S. in their 2013 Hire Power Awards,and #1 ranked job creator in the real estatecategory.

Guaranteed Rate has more loan officersranked on the Mortgage Executive,Scotsman Guide and Origination News“Top Originators” lists than any otherbank or mortgage company.

The Chicago Tribune has namedGuaranteed Rate to its “Top Workplaces”list four out of the last five years.

Guaranteed Rate was named #1mortgage company in America byMortgage Executive Magazine in 2012.Additionally, Guaranteed Rate Presidentand CEO Victor Ciardelli was namedMortgage Executive Magazine “CEO ofthe Year” in 2012 and 2013.

Committed to technology, GuaranteedRate received the Built in Chicago MoxieAward in 2013 for its cutting-edge onlineloan application.


Ty Pennington – Our Spokesperson

• TV host• Featured on

guaranteedrate.com, Partner Xchange, and in our national advertising campaign

• National TV commercials

• Scheduled to appear at various events nationwide

Our Competitive Advantage

• Fast and transparent mortgage process• In-house underwriting and closing• 24-48 hour underwriting turn times• Full product offering with top lending institutions• FHA loans and in-house FHA underwriting• FHA/FNMA in-house condo approvals• Full FHA 203(k) department• VA & USDA loans• Jumbo financing experts• Partner Xchange: px.guaranteedrate.com


A Mortgage Company Built for Realtors


Your Partner for Every Phase of a Transaction


Real-time buyer

approvals24/7 Loan

Status

More financing

options than Big Banks

Local appraisers

Marketing benefits


The World’s First Digital Mortgage!

• Choose their own loan type• Get their FREE CREDIT SCORES

from all 3 credit bureaus• Securely upload & digitally sign

their loan documents

• Get a REAL ONLINE APPROVAL with our automated underwriting engine

In just minutes, your clients can:

By completing these steps, your clients can earn $250*!*"Earn $250" is a closing cost credit of $250 (the “Credit”) to be applied at closing and cannot be redeemed for cash. To qualify for the Credit, applicant(s) must complete the full loan application online, digitally sign application documents including credit report authorization, and upload required loan documents via applicant’s secure Digital Mortgage account. Not all applicants, loan amounts or loan types will qualify for the Credit. Borrower subject to credit and underwriting approval. Not all borrowers will be approved for financing. Receipt of borrower’s application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and visit www.guaranteedrate.com/restrictions.

24/7 Loan Status for You and Your Buyers


With automated email notifications for each step of the process

Exclusively for Members of Partner Xchange

Close More Deals with More Financing OptionsWe can provide options where the Big Banks may fall short


• Over 40 lenders available• Direct lender with Fannie Mae/Freddie Mac/Ginnie Mae, Fixed &

ARM• 97% financing available with PMI: SFR & condos (first time

buyers)• Up to 90% CLTV piggyback loans• Fixed & HELOC available• State bond programs available

Comprehensive Set of Jumbo Options


• 20+ correspondent lenders available• 20+ wholesale lenders available• Non-warrantable condominium options available• 90% LTV with no monthly MI on SFR/condominium

to $850,000 as 5/1 or 7/1 LIBOR ARM• 85% LTV with no monthly MI to 1,500,000 as 30

year fixed• 80% LTV to $2,500,000• 70% LTV to $3,000,000• In-house delegation to $3,000,000• 50% DTI• Foreign national programs• ARM interest only available

We Work with Local Appraisers Who Know Your Market


Dedicated panel of local appraisers who are experts in your area/market

Note: Select Jumbo investors may require third-party appraisal management company

Marketing Benefits


Free Informative e-books


These jargon-free downloadable e-books are full of great information and available for instant download on my website!

Partner Xchange

The Partner Xchange is focused on helping you double your business and dominate your market with advice from the top 10% of agents nationally in four key areas:

• Marketing• Business Development• Building a Team• Using Smart Technology


Combined annual volume of PX agents is $7 billion!

Partner Xchange

Exclusive features include:• Master Classes with in-depth interviews

from top agents across the nation• Loan Status Monitor• Property flyers• Referral Xchange• Enjoy magazine• Informative e-books• Widgets


Execute Proven Joint Marketing CampaignsPostcards


• Just Listed and Just Sold Postcards• Other neighborhood postcards• Targeted mailings/prospecting• Client retention – mailings to current clients

We’ll Help You Use Social Media Effectively


Our video library of more than 200 short tips and our Social Media e-book will teach you the fundamentals

We Organize Fun and Engaging Events


Get foot traffic to your open houses

Increase VisibilityRealtors can work with their Guaranteed Rate loan officer to sponsor catering and provide marketing materials for open houses, first time homebuyer seminars, client appreciation and professional networking events.

• Decorating Class for your new home• Homebuyer Seminar with expert panel• Family Photo Shoot

• Open Houses/Home Tours

• Social Media and iPad Trainings• Block Parties

Guaranteed Rate Foundation Scholarship


Open to children and grandchildren of Partner Xchange membersFour $40,000 scholarships awarded every year


Guaranteed Rate: A Mortgage Company Built for Real Estate

Agents

NMLS ID #2611, (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • AL - Lic# 21566 • AK - Lic#AK2611 • AR - Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283 • AZ - Guaranteed Rate, Inc. - 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254 Mortgage Banker License # BK-0907078 • CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #4130699 • CO - Guaranteed Rate, Inc. Regulated by the Division of Real Estate, 773-290-0505 • CT - Lic #17196 • DE - Lic # 9436 • DC - Lic #MLB 2611 • FL - Lic# MLD1102 • GA - Residential Mortgage Licensee #20973 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • HI - Lic#HI-2611 • ID - Guaranteed Rate, Inc. Lic #MBL-5827 • IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 • IN - Lic #11060 & #10332 • IA - Lic #2005-0132 • KS - Licensed Mortgage Company - Guaranteed Rate, Inc. - License #MC.0001530 • KY - Mortgage Company Lic #MC20335 • LA - Lic #2866 • ME - Lic #SLM11302 • MD - Lic #13181 • MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611 • MI - Lic #FR0018846 & SR0018847 • MN - Lic #MN-MO 20526478 • MS - Guaranteed Rate, Inc. 3940 N. Ravenswood Ave., Chicago, IL 60613 - Mississippi Licensed Mortgage Company, Lic # 2611 • MO - Guaranteed Rate Lic # 12-1744-A • MT - Lic# 2611 • Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance • NE - Lic #1811 • NV - Lic #3162 & 3161 • NH - Guaranteed Rate, Inc. dba Guaranteed Rate of Delaware, licensed by the New Hampshire Banking Department - Lic # 13931-MB • NM - Lic #01995 • NY - Licensed Mortgage Banker - NYS Department of Financial Services- 3940 N Ravenswood, Chicago, IL 60613 Lic # B500887• NC - Lic #L-109803 • ND - Lic #MB101818 • OH - Lic #MB0804160.000 & Lic #SM.501367.000 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • OK - Lic # MB001713 • OR - Lic #ML-3836 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #20371 • RI - Rhode Island Licensed Lender Lic # 20102682LL, RI - Rhode Island Licensed Loan Broker Lic # 20102681LB • SC - Lic #-MLS - 2611 • SD - Lic# ML.04997 • TN - Lic #109179 • TX - Lic # 50426 & Lic # 47207 • UT - Lic #7495184 • VT - Lic #2611-1 & 0930 MB • VA - Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769 • WA - Lic #CL-2611 • WI - Lic #27394BA & 2611BR • WV - Lic #ML-30469 & MB-30098 • WY - Lic#2247

Brett ButlerVice President of Mortgage LendingP: 847.592.9547C: 703.395.7188Brett.Butler@guaranteedrate.comwww.guaranteedrate.com/brettbutler NMLS ID:1296302 IL - 031.0031314 MB.0005932

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