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Realtor Partner XChange Dean Wegner Mortgage Scottsdale Arizona
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Realtor Partner XChange Dean Wegner Mortgage Scottsdale Arizona


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Realtor Partner XChange Dean Wegner Mortgage Scottsdale Arizona

Realtor Partner XChange Dean Wegner Mortgage Scottsdale Arizona

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  • 1. RealtorPartnerAdvantageProgram The Home Purchase ExpertsSM
  • 2. Our StoryGuaranteed Rate was founded in 2000, and has since become one of the largestindependent residential mortgage lenders in the nation. Since inception, GuaranteedRate has continued to experience rapid growth with an increase in funding volumefrom $195 million in 2000 to more than $14.5 billion in 2012.The company’s innovative and unique approach to mortgage lending has beenthe key to its phenomenal success. Taking the best practices from market leadersin other industries and applying them to the mortgage business, Guaranteed Ratehas instituted innovative systems and technologies that have significantly reducedoverall operating costs – a savings that is passed on to consumers by offering lowrates and fees.The company’s leading edge approach has also produced a much higher level ofcustomer service. The application process has been streamlined and automated sothat a customer can apply online and get pre-approved within one hour. Much of theunderwriting process has been automated; reducing the total time a customer is ableto close their loans from months to days.Guaranteed Rate has developed a Realtor Partner Advantage Program along withan online Partner Xchange to provide extensive marketing support for their agents.The program is based on feedback from the real estate community and includesservices such as custom flyers, a monthly magazine for clients, loan status updates,mortgage calculators, dashboard of real estate news/videos and discounts throughour affiliated service providers.
  • 3. Growing Strong Licensed in 49 states12 Year Growth...7,336% Loan Volume (Year End - 2012)...$14.5 BillionOur Offices:Scottsdale, AZ Ponte Vedra Beach, FL Rockland, MA Mount Arlington, NJ Kingston, PAAuburn, CA Atlanta, GA Wakefield, MA North Bergen, NJ Lords Valley, PABelmont, CA Victor, ID Waltham, MA (2 North Wildwood, NJ Milford, PACampbell, CA Buffalo Grove, IL locations) Ocean City, NJ Philadelphia, PACapitola, CA Chicago, IL (7 locations) Troy, MI Parsippany, NJ Plymouth Meeting, PAEncinitas, CA Downers Grove, IL Walker, MI Red Bank, NJ Cranston, RILos Alamitos, CA Frankfort, IL Bloomington, MN Tuckerton, NJ Newport, RINorco, CA Naperville, IL Detroit Lakes, MN Woodbridge, NJ Warwick, RINovato, CA (2 locations) Forest Lake, MN Corrales, NM Nashville, TNPetaluma, CA Northbrook, IL Plymouth, MN Brooklyn, NY Cypress, TXRoseville, CA Oak Brook, IL Princeton, MN Croton on Hudson, NY Dallas, TXSan Diego, CA Palatine, IL Slayton, MN East Hampton, NY Houston, TX (3 locations)San Ramon, CA Palos Hills, IL St. Louis Park, MN Garden City, NY Katy, TXValencia, CA Park Ridge, IL St. Paul, MN Hopewell Junction, NY Richmond, TXWestlake Village, CA Schaumburg, IL Chesterfield, MO New York, NY (2 Midvale, UTBoulder, CO Smithton, IL Kansas City, MO locations) Reston, VADenver, CO South Barrington, IL Kirkwood, MO Southampton, NY Barre, VTEdwards, CO Dyer, IN Las Vegas, NV Chapel Hill, NC West Dover, VTWashington Depot, CT Goshen, IN Bethlehem, NH Charlotte, NC Woodstock, VTWaterbury, CT Indianapolis, IN Manchester, NH Cornelius, NC Maple Valley, WAWashington, DC Valparaiso, IN Nashua, NH Hendersonville, NC Seattle, WAOcean View, DE Overland Park, KS Cherry Hill, NJ Raleigh, NC Vancouver, WAWilmington, DE New Orleans, LA Hammonton, NJ Wilmington, NC Brookfield, WIBoca Raton, FL Cape Elizabeth, ME Hoboken, NJ Winston-Salem, NC Kenosha, WIClearwater, FL Portland, ME Lambertville, NJ Bend, OR Madison, WIFort Myers, FL Boston, MA (2 locations) Lyndhurst, NJ Portland, OR Onalaska, WIPalm Beach Gardens, FL Gloucester, MA Madison, NJ Allentown, PA Sun Prairie, WIPlantation, FL Franklin, MA Marlton, NJ Chester Springs, PA Jackson, WYGuaranteed Rate is continually growing and adding new branches. The branch locations listed above are current as of 02/27/2013.
  • 4. In The NewsAccolades: 2011 & 2012• Guaranteed Rate is the country’s largest independent residential mortgage company with an in-market presence• Guaranteed Rate is the 10th largest retail mortgage lender in America• Chicago Agent Magazine’s 2011 “Lender of the Year”• Inc. Magazine’s list of the Fastest Growing Private Companies in the United States for the last five consecutive years• Crain’s Chicago list of the Fifty Fastest Growing Companies six years running• More Top 200 Loan Originators, as ranked by Scotsman Guide, work at Guaranteed Rate than at any other mortgage company• Guaranteed Rate has the Most Top 100 Originators Nationally and Greatest Number of Originators in the Top 1% in America according to Mortgage Executive Magazine• Chicago Tribune’s list of the Best Places to Work• Victor Ciardelli, 2012 Ernst & Young Entrepreneur of the Year award winnerNational AD Campaigns 2008 2009 2010 2011 2012
  • 5. Easy Online ApplicationLoan Technology Designed to Save You Time and MoneyOur online loan application makes it easy for your clients to select a loan that isright for them. They simply choose a loan product, customize a rate and get theirfree credit score from all 3 bureaus. Get approved instantly - with Guaranteed Rate’sautomated underwriting service, they’ll get an approval letter to purchase theirhome in just minutes. Clients can track their loan from start to finish at any time.
  • 6. Our AdvantageGuaranteed Rateis a Lender with In-House Underwriting & Closing 24-48 Hour Turn Times Full Product Offering With Top Lending Institutions FHA Loans & In-House FHA Underwriting FHA/FNMA In-House Condo Approvals Full FHA 203(k) Department Full Marketing and Business Development Support Realtor Resource Website: Partner Xchange -
  • 7. Full Products & PricingConforming Options USDA• 25+ Correspondent Lenders available • 3+ Correspondent Lenders available• 97% financing available • FICO as low as 640• Direct Lender with Fannie/Freddie Jumbo Options• DU Refi Plus and Freddie Mac Open Access Programs • 10+ Correspondent Lenders available available with and without MI • 16+ Wholesale/Portfolio Lenders available• Blended Ratios (LP) • Non-warrantable Condos• Guaranteed Rate warrants all Condominiums through • 90% LTV with NO MI on Condo/SFR internal condo department • 80% LTV/85% CLTV to $1M• Co-ops • 75% LTV/80% CLTV to $1.5M• Condo - 51% Pre-Sale requirements with CPM approval • Loan amounts up to $10M• Purchases on properties owned < 90 days with • FICOs down to 660 for self-employed borrowers unlimited increase in sales price • FICOs down to 680 for W2 borrowersFHA • In-house underwriting• 12+ fully delegated underwriters on staff • 50% DTI• 9+ Correspondent lenders available • Co-ops and Condo-tel financing• FICO as low as 640 on purchase transactions • Foreign National Programs• FHA High Balance available • Pledged Asset Programs• In house Condo approvals • Asset Depletion Programs• No minimum trade line requirements • Vesting in LLC or Corporations• 90 day purchase flips OK with unlimited increase • Unlimited acreage options in value • Second homes with some rental incomeVA• 4+ fully delegated underwriters on staff• 9+ Correspondent Lenders available• IRRRLs available *accurate as of date of production - 02/17/13• VA high balance available
  • 8. Partner Xchange Partner Xchange Business-Driving Tools and Content for Real Estate Professionals Demystifying the Mortgage Process Loan Status Monitor A six-step, easy-to-understand guide to Stay in the loop with the status getting a home loan written especially of your clients’ home loans for first time buyers and personalized automatically, from application all with your picture and your the way to closing. contact information. Enjoy Magazine Custom Flyers A free monthly personalized Our co-branded, custom flyers are a free e-magazine that is perfect for and instant solution for you. Showcase your connecting with your clients. current listings or promote your services. Special Offers Social Radio Live Your clients can receive a $150 closing cost Learn how to grow your network with credit* when they finance through social media tips, videos, and resources. Guaranteed Rate! Consumer Xchange Market yourself to clients searching for News & Videos realtors – they can see your picture and a Stay connected with the latest real estate summary of your background, skills, etc. news and videos.Sign up now – it’s free! 3-Step Easy Registration R  egister online at and click on: E  nter some basic contact information, and your affiliated Guaranteed Rate loan officer. You will receive a confirmation email to activate your account. ● Email Call 866.934.7283 for a demonstration
  • 9. Partner Xchange Open House Flyers Create a professional, one page flyer featuring your selected property. With a side-by-side loan product comparison and general home details, you will provide valuable information to potential buyers and get your home sold more quickly! Automatic Custom FlyersAre you looking to feature your home showcasing abilities or educate a client about online listings? Or even just get the word out that you are the best agent available? The Partner Xchange provides you withmarketing flyers that allow you to do this - and more!
  • 10. Partner Xchange Enjoy Magazine Exclusive to the Partner Xchange, Enjoy Magazine is free, customized and perfect for connecting with your clients! This marketing piece is offered monthly and filled with fun, exciting material geared towards increasing your business visibility and sales. Simply view your magazine and distribute to your clients directly through the Partner Xchange via email, Facebook, Twitter, or print and mail.Application Status Monitor Never wonder about your client’s loan status again! The application status chart tracks all of your clients’ loans at Guaranteed Rate, allowing you to know the current status - from pre-application to closing - in real-time. Nowwhen an anxious client calls fora mortgage status update, youwill be able to access the most up to date information.
  • 11. Marketing Co-Branded Postcards & FlyersCo-Branded Postcards & FlyersChoose from dozens of already designed, co-branded postcards and flyers. Popular options includeworkshop and seminar invitations, rent vs. own postcards and postcards geared towards specificneighborhoods. Looking for something custom? Our Marketing Department will work with youand your Loan Officer to create a postcard or flyer to fit your needs.
  • 12. Marketing Just Listed/Just Sold Postcards Send custom Just Listed or Just Sold postcards to a radius around the specified property. Your Loan Officer can make the request through the Marketing Department for these custom, co-branded postcards. Web Ads We can create a custom web ads for your website that link directly to your Loan Officer’s online application. They are attractive,convenient and your Loan Officer’s site is just one click away!
  • 13. Marketing Co-Branded Bio Flyers We can customize a joint bio flyer so your buyers can learn more about you and your preferred Guaranteed Rate Loan Officer.Transaction EnvelopesGuaranteed Rate can provide oversized,lined legal envelopes that can be usedfor organizing and tracking your client’stransaction information.
  • 14. Broker Open CateringComplimentary lunch courtesy of Guaranteed Rate!Guaranteed Rate sponsors lunches for Broker Opens hosted by our Realtor Partners. Foodand refreshments can be provided by one of our preferred vendors. Leave the details to us! Orders are delivered to the property; marketing materials such as Open House Flyers, pens, and post-its can also be provided.
  • 15. Networking EventsPlanning events are a fun, exciting way to interact with your clientsand build your business!We’ve come up with some fun and successful party ideas to make planning your nextevent stress and hassle free. Select your favorite package and supply our Events Team withthe necessary information to get your party started! Every package can be tailored to yourindividual needs.
  • 16. The Home Purchase ExpertsSMNMLS (Nationwide Mortgage Licensing System) ID 2611 • Alabama 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 Corporations under California Residential Mortgage Lending Act Lic #413-0699 • 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# MLD618 • GA - Residential Mortgage Licensee #20973 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • ID - Guaranteed Rate, Inc. Lic #MBL-5827 • IL - Residential Mortgage Licensee - IDFPR, 122South 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 #MBK-2005-0132 • KS - Licensed Mortgage Company - Guaranteed Rate, Inc. – License#MC.0001530 • KY - Mortgage Company Lic #MC20335 • LA - Lic #RML2866 • ME - Lic #SLM1302 • MD - Lic #13181 • MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611 • MI - Lic #FR-0016637 & SR-0011899 • MN - Lic#MO 20526478 • MS –Guaranteed Rate, Inc 3940 N. Ravenswood Ave., Chicago, IL 60613-Mississippi Licensed Mortgage Company, Lic # 2611 - • MO – Guaranteed RateLic # 10-1744 • MT Lic# 2611 • Licensed in NJ: Licensed Mortgage Banker - NJ Departmentof 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—NYSDepartment of Financial Services- 3940 N Ravenswood, Chicago, IL 60613 Lic # B500887• NC - Lic #L-109803 • ND - Lic #MB101818 • OH – Lic #MBMB.850069.000 and 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 Banking Department Lic #20371 • RI – Rhode Island Licensed Lender Lic # 20102682LL, RI – Rhode Island Licensed Loan Broker Lic # 20102681LB• SC – Lic#-2611 • TN - Lic #109179 • SD Lic# ML.04997 • TX - Lic # 50426 & Lic # 47207 • UT - Lic #7495184- • VT - Lic #LL6100 & MB930 • 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