Presentation to employees-lunch-n-learn_program

An exciting new group benefit from your employer

A proven mortgage solution!

Guaranteed Rate was founded in 2000 and since its inception has experienced double digit growth each year, becoming one of the largest independent mortgage companies in the nation -- and is growing strong.

Guaranteed Rate is a licensed mortgage lender in 46 states and closed over $6.9 billion in 2011. Headquartered in Chicago, with over 1500 employees nationwide.

Taking the best practices from market leaders in other industries, Guaranteed Rate created a business model that significantly streamlined the mortgage process and reduced the company’s overall operating cost—a savings that is passed on to consumers by offering the lowest rates and fees.

As a mortgage bank, we offer more products and better service than traditional lenders.

We have more Loan Originators in the Top 1% than any other mortgage company in the nation.

Best product breadth

Loan products from the top lending institutions in the country

Competitive rates

A loan for every borrower

MortgageBroker

Selection and pricing Control and service

MortgageBanker

Internal products and pricing

In-house underwriting and closing

Faster loan approvals

More reliable service and execution

Broadest Selection Home purchase, refinancing and related

services, including credit and appraisals

Competitive Pricing Low rates and fees Discounts for your company

Exceptional Service Convenient meetings: Any time, any where Instant mortgage approvals and pre-approvals Quick closings to meet financing timelines

From the best mortgage professionals in the business!

One-on-one consultations at a convenient location

In person, phone or online applications

Pre-qualification and pre-approval programs

Advice on the best products and rates

No application fee

Assistance from application through closing

Your Needs

• Qualification• Budget• Goals

We’re with you Every Step of the Way

• Products• Rates• Lenders

Guaranteed Rate Mortgage’s Selection

The Right Products For Your Goals

Conventional Loans (Fixed and

ARMs)

Jumbo Loans

Community home buyer

program

FHA and VA loans

3 % down programs

Imperfect credit

OUR PRODUCTS:

Purchase

Refinance

Investment

Second and vacation homes

Construction

Debt consolidation

YOUR GOALS:

We have a loan for every borrower’s needs

Your own account manager and dedicated mortgage

support team

On-site and online technology

Mortgage loans and related services nationwide

A full-service offer

Financing Power on Time

Pre-approval and pre-qualification

Written confirmation and funding within your contract

date

We do all the paper work start to finish

Flexible financing solutions:

Zero point options

Extended rate locks available

No out-of-pocket refinancing availableQuick commitment = Better negotiating power for you

Step 1:PREQUALIFY

Step 2:LOAN APPROVAL

Step 3:CLOSING

Home Financing Is as Easy as 1-2-3


Appraisal Signed real-

estate contract with earnest money deposit check

Certificate of eligibility (for VA loans)

Bank statements (last three months)

Payment books or statements for outstanding liabilities

Credit report scoring

Documentation: Bankruptcy

discharge Slow payment

explanations Divorce/

separation and child support or alimony

Pay stubs (last 30 days)

W2’s and personal tax returns (last two years)

Contact for job verification

Business tax returns and year-to-date P&L (if self-employed)

INCOME ASSETS CREDIT OTHER


Closing costs

Escrow accountDown payment

Attorney fee

(purchases)

Required Cash to Close


Principal & Interest Property Taxes Homeowners Insurance + Mortgage Insurance (PMI)

For condominium purchases: Add in a condo assessment fee

*go to my website to use the mortgage calculators

TOTAL MONTHLY PAYMENT

How to Calculate a Monthly Payment


What is an ARM?

Should I pay points or not?

Should I pay closing costs?

How much can I afford?

Which loan is better?

Others?


VP NameVice President of Mortgage LendingGuaranteed Rate, Inc.

P: 000.000.0000F: [email protected]/VPName

Presentation to employees-lunch-n-learn_program

Economy & Finance

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