Guaranteed Rate Consumer Overview

Guaranteed Rate OverviewCopyright © 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


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.

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.


The World’s First Digital Mortgage!

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

from all 3 credit bureaus• Securely upload and digitally

sign your loan documents• Receive a REAL loan approval

with our automated underwriting engine

The Guaranteed Rate Digital Mortgage saves you time and money.

*"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.

Complete these steps and earn $250*!


Ty Pennington – Our Spokesperson

• TV host• Featured on

guaranteedrate.com 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 renovation loan department• VA & USDA loans• Jumbo financing experts• Exclusive Lock ‘n’ Roll program


Loan Options


Conforming Options

• 10 Correspondent Lenders available• 97% financing available with PMI & condos (first time buyers)• Specialty LPMI pricing exclusive to Guaranteed Rate• Direct Lender with Fannie/Freddie, Fixed & ARM options• Guaranteed Rate Warrants all condos & co-ops through internal

condo and co-op departments• Condo 51% CPM Approval / PERS Available• Purchases on properties owned <90 days with unlimited increase

in sales price with Fannie /Freddie• DU Refi Plus and Freddie Open Access Programs• Fannie Mae Homestyle Renovation Program• Guaranteed Rate Opportunity Plus Program• Guaranteed Rate Lock ‘n’ Roll Program


FHA• Ginnie Mae Direct lender• FHA streamline non-credit qualifying options• 11 Correspondent lenders available• FHA High Balance available• In house condo approvals• No minimum trade line requirements• 203k Full and Streamline options• FICO score down to 600


VA & USDA• 8 Correspondent lenders available• 100% Financing • IRRRLs non-credit qualifying options • VA Jumbo• Minimum FICO score 640


Second Mortgages• 80/10/10• Fixed & HELOC available

State Bond• 16 programs available

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


Commercial Loans• Simple Process/all data collection, underwriting and processing

done by investors• Multi-Family (Apartments) $250,000 & up to 80% LTV• Owner occupied commercial properties to $9,000,000 up to 90%

LTV• Office & Industrial $1,000,000 & up to 75% LTV• Investment Owned Single Tenant Investment Properties $100,000

& up to 75% LTV


*Commercial loans not available in AZ, CA, NJ, NY, NC & VT.

Industry Low Rates and Fees

• We shop for the best rates and products from the nation’s top lenders to find the perfect fit for your needs.

• We provide a daily “apples-to-apples” comparison of the lowest rates and fees of top lenders. When everybody’s rates are compared on a level field, Guaranteed Rate comes out on top.


24/7 Loan Status


Automated email notifications for each step of the process.

Added Benefits


Free Informative e-books


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

Contact me for all yourhome financing needs


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

Guaranteed Rate Consumer Overview

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