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Why Guaranteed Rate?

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Why Guaranteed Rate? We offer some of the best support, tools, and resources to grow your business....as well as an efficient operations staff to maintain and streamline your pipeline. There is a ...

Why Guaranteed Rate? We offer some of the best support, tools, and resources to grow your business....as well as an efficient operations staff to maintain and streamline your pipeline. There is a reason why the nation's top producing loan officers CHOOSE Guaranteed Rate.

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    Why Guaranteed Rate? Why Guaranteed Rate? Document Transcript

    • The bestdeserve to workwith the best.We have the most elite sales force in the mortgage industry.More Loan Originators in the Top 1% than anyother mortgage lender in the country. (Mortgage Executive Magazine, 2/12)More Top 200 Originators in the country than anyother mortgage lender. (Scotsman Guide, 4/12) America’s Fastest Growing Mortgage CompanySM
    • Welcome and thank you for your interest in Guaranteed Rate.Guaranteed Rate is one of the largest and fastest growing independent residential mortgagecompanies in the country. Since our founding eleven years ago, we have grown every year withthe simple idea of providing our originators with the best possible tools to support their business.Our strategy is focused on recruiting and supporting seasoned loan officers and giving them thebest marketing and technology available to be successful. Our loan officers have an exceptionalplatform on which to originate loans and are able to offer mortgage products at every pricing level.Guaranteed Rate is optimally positioned both financially and operationally to rapidly growmarket share in the coming years, solidifying our place as the premier mortgage company in thecountry. Guaranteed Rate has over 1,500 employees, is licensed in 46 states and originated over$6.9 billion in retail production in 2011. We have also been recognized as having the most loanoriginators in both the Top 1% nationally (Mortgage Executive) and Scotsman Guide Top 200Originators than any other mortgage company in the country. In addition, our customer surveysconsistently have satisfaction scores in excess of 97% month-to-month and our repeat andreferral business continues to grow exponentially.Our business model emphasizes Realtor® relationships and financing purchase transactions.Some of the enclosed materials are an example of the creative marketing approaches our loanofficers use to help our Realtor® partners grow their own purchase business as well as expand thereach of our brand. We continually invest in technology, operations and training to streamline theentire mortgage process from application to closing. These investments yield higher productivity,faster closings and a high rate of referrals particularly from our Realtor® partners.Please take time to review the attached materials which provide background on our companyand demonstrate Guaranteed Rate’s commitment to providing the optimal mortgage experiencefor our business partners and customers. Our team at Guaranteed Rate is committed to helpingyou grow your business and excel in your career. Your success is of the utmost importance and wewill provide you the assistance and resources required to achieve your goals. Thank you again foryour interest in Guaranteed Rate.Sincerely,Victor CiardelliPresident & CEO
    • Victor Ciardelli President and CEOVictor Ciardelli III, CEO and President of Guaranteed Rate, is widely acknowledgedas a leading innovator in the mortgage industry. Since founding Guaranteed Rate in2000, Victor has successfully navigated the company’s growth through various marketenvironments while maintaining an emphasis on integrity, productivity and customerservice. Structuring Guaranteed Rate around the simple idea of offering consumers lowrates, along with a transparent and streamlined residential mortgage experience, Victorhas grown Guaranteed Rate into one of the most successful residential mortgage lendersin the country.Victor’s disciplined approach towards managing the business has enabled GuaranteedRate to thrive despite the significant volatility in the mortgage environment over the lastseveral years. Guaranteed Rate has increased loan volume and revenue each year since itsinception, while significantly growing consumer recognition and brand awareness in themarkets it serves. Under Victor’s leadership, Guaranteed Rate has earned a reputation forbeing a revolutionary and reliable lender, funding over $6.9 billion in loans in 2011 alone.Since 2000, Guaranteed Rate has funded over $34 billion of mortgages for over 100,000households.Featured in Crain’s Chicago magazine’s list of the Largest Privately Held Companies threeyears running, Guaranteed Rate was recognized for having the largest increase in revenuegrowth for 2009 – an astounding 80% increase. In addition, Guaranteed Rate currentlyhas the most Loan Originators in the top 1% (Mortgage Executive) and in the Top 200 inScotsman Guide than any other mortgage company in the country.
    • Our Growth11 Year Growth...3,590% Loan Volume (Year End - 2011)...$7 BillionOur Offices:Scottsdale, AZ Buffalo Grove, IL Waltham, MA Marlton, NJ Kingston, PAWilmington, DE Chicago, IL (5 Troy, MI Middletown, NJ Lords Valley, PAAuburn, CA locations) Walker, MI Mount Arlington, NJ Milford, PABelmont, CA Downers Grove, IL Bloomington, MN North Wildwood, NJ Philadelphia, PACampbell, CA Naperville, IL (2 Eden Prairie, MN Ocean City, NJ Plymouth Meeting, PACapitola, CA locations) Forest Lake, MN Parsippany, NJ Cranston, RILong Beach, CA Northbrook, IL Plymouth, MN Tuckerton, NJ East Greenwich, RINorco, CA Oak Brook, IL Princeton, MN Woodbridge, NJ Newport, RISan Diego, CA Palos Hills, IL Slayton, MN Corrales, NM Knoxville, TNValencia, CA Park Ridge, IL St. Louis Park, MN Garden City, NY Dallas, TXWestlake Village, CA Schaumburg, IL St. Paul, MN Chapel Hill, NC Midvale, UTBoulder, CO Smithton, IL Chesterfield, MO Cornelius, NC Fairfax, VADenver, CO South Barrington, IL Kansas City, MO Hendersonville, NC Barre, VTEdwards, CO Dyer, IN Kirkwood, MO Matthews, NC Woodstock, VTWashington Depot, CT Goshen, IN Las Vegas, NV Raleigh, NC Bellevue, WAWaterbury, CT Indianapolis, IN Nashua, NH Wilmington, NC Vancouver, WABoca Raton, FL Valparaiso, IN Cedar Knolls, NJ (2 locations) Brookfield, WIClearwater, FL Belmont, MA Cherry Hill, NJ Winston-Salem, NC Kenosha, WIFort Myers, FL Boston, MA Hammonton, NJ Bend, OR Madison, WIPlantation, FL Gloucester, MA Hoboken, NJ Allentown, PA Oconomowoc, WIPonte Vedra Beach, FL Franklin, MA Lambertville, NJ Bensalem, PA Onalaska, WIVictor, ID Rockland, MA Lyndhurst, NJ Chester Springs, PABannockburn, IL Wakefield, MA Madison, NJ King of Prussia, PA
    • In The News Lender of the Year 2010&2011 • “Lender of the Year” • Tribune’s list of the Best Places to Work • Inc. 5000’s list of the Fastest Growing Private Companies in the United States • Crain’s List of the Fifty Fastest Growing Companies five years running • Mortgage Executive Magazine for having the Most Top 100 Originators Nationally, Greatest Number of Originators in the Top 1% in America • Guaranteed Rate the #3 Mortgage Company in America based on origination volume • Victor Ciardelli, 2012 Ernst & Young Entrepreneur of the Year - Midwest RegionNational Ad Campaigns 2008 2009 2010 2011
    • Guaranteed Rate had a record number of Top Originators in the Country! We have more Loan Originators in Scotsman Guide’s top 200 than any Harinder S. Johar Shimmy Braun Joe Caltabiano other company in the 2011 Loan Volume: $203,987,953 2011 Scotsman Guide Ranking: 4 2011 Loan Volume: $196,659,161 2011 Scotsman Guide Ranking: 6 2011 Loan Volume: $183,378,309 2011 Scotsman Guide Ranking: 11 country. Guaranteed Rate is a licensed mortgage lender in 46 states and closed over $6.9 billion in 2011. Joe Smith Allyson Kreycik Ricardo Brasil We help our loan officers achieve their goals with the best possible tools to support and grow 2011 Loan Volume: $121,511,948 2011 Scotsman Guide Ranking: 30 2011 Loan Volume: $118,425,395 2011 Scotsman Guide Ranking: 33 2011 Loan Volume: $110,347,392 2011 Scotsman Guide Ranking: 40 their business. Our Top Originators enjoy low rates and excellent product breadth, as well as outstanding social media, marketing and business development support. Brian Jessen Hong Geng Paul Hirschauer We have the best retail platform in the country 2011 Loan Volume: $100,145,762 2011 Loan Volume: $83,167,209 2011 Loan Volume: $83,152,024 2011 Scotsman Guide Ranking: 52 2011 Scotsman Guide Ranking: 81 2011 Scotsman Guide Ranking: 82 for helping our Loan Originators grow their business. Contact one of our regional managers below and we’ll be happy to show you how. North East South East/South West Terry Baker P: 508.277.1325 Michael Lee P: 708.752.8390 TBaker@guaranteedrate.com Michael.Lee@guaranteerdrate.com Mid Atlantic Bard Conn P: 617.875.6576 Jason Oelrich P: 425.526.6793 Steve Siwinski Michael Bischof Ben Cohen Bard.Conn@guaranteedrate.com Jason.Oelrich@guaranteedrate.com 2011 Loan Volume: $77,795,514 2011 Loan Volume: $77,665,555 2011 Loan Volume: $76,208,912 Mountain States PA, NJ, DE 2011 Scotsman Guide Ranking: 91 2011 Scotsman Guide Ranking: 93 2011 Scotsman Guide Ranking: 96 Derek Bamonte P: 303.861.5402 George Allen P: 609.294.4455 Derek.Bamonte@guaranteedrate.com George.Allen@guaranteedrate.com MI, WI, MN Florida Al Gelschus P: 952.806.5021 Rich Romano P: 561.702.1276 Al.Gelschus@guaranteedrate.com Richard.Romano@guaranteedrate.com So. California MD, VA Trent Annicharico P: 760.310.6008 Steve Cors P: 609.294.4333 Trent@guaranteedrate.com Stephen.Cors@guaranteedrate.com Nevada/Arizona /Northern CA New York Dennis Raico P: 516.513.5444 Jon Altizer Li Li Baret Kechian Dennis.Raico@guaranteedrate.com 2011 Loan Volume: $75,124,118 2011 Loan Volume: $66,939,550 2011 Loan Volume: $64,603,977 IL, IN, OH 2011 Scotsman Guide Ranking: 100 2011 Scotsman Guide Ranking: 127 2011 Scotsman Guide Ranking: 142 Joe Phalen P: 773.290.0308 Joe.Phalen@guaranteedrate.com Dan Gjeldum Leslie Struthers Joe Summers 2011 Loan Volume: $64,109,606 2011 Loan Volume: $63,817,319 2011 Loan Volume: $61,118,431 2011 Scotsman Guide Ranking: 145 2011 Scotsman Guide Ranking: 147 2011 Scotsman Guide Ranking: 173 3940 N. Ravenswood Chicago IL 60613 NMLS (Nationwide Mortgage Licensing System) ID 2611 • 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 - To check the license status of your mortgage loan originator, visit http://www. dora.state.co.us/real-estate/index.htm • CT - Lic #17196 • DE - Lic # 9436 • DC - Lic #MLB 2611 • FL-Lic# MLD618 • GA - Residential Mortgage Licensee #20973 - 3940www.joingrnow.com N. Ravenswood Ave., Chicago, IL 60613 • 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 #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 - Lic # 4453/2009 - 3940 N. Ravenswood Ave., Chicago, IL 60613, Licensed by the Mississippi Department of Banking and Consumer Finance • MO - Lic # 10- 1744 • MT Lic#2611 • Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance • NE - Lic #1811 • NV - Lic #3162 & 3161 • NH - Guaranteed Sam Sharp Christin Luckman Robert Faust 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 Banking Department - 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 2011 Loan Volume: $60,619,764 2011 Loan Volume: $60,050,816 2011 Loan Volume: $58,049,970 # 20102681LB• TN - Lic #2958 • 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 2011 Scotsman Guide Ranking: 174 2011 Scotsman Guide Ranking: 178 2011 Scotsman Guide Ranking: 191
    • 2011 Presidents Club Winners This elite club recognizes its top producers that reach $30 million or more in loan volume. Harinder Johar $203,987,953.00 Rick Parrish $40,385,697.00 Shimmy Braun $196,659,161.00 Leo Neidetcher $40,670,072.00 Joe Caltabiano $183,378,309.00 Mark Shippie $40,250,352.00 Ricardo Brasil $110,347,392.00 Todd Marguerite $39,923,002.00 Brian Jessen $100,145,762.00 John Johnson $39,587,306.00 Hong Geng $83,167,209.00 Joel Schaub $39,309,792.00 Paul Hirschauer $83,152,024.00 Joseph Antonios $37,368,630.00 Steven Siwinski $77,795,514.00 Doug Smith $34,223,786.00 Michael Bischof $77,665,555.00 Jarret Coleman $33,803,674.00 Ben Cohen $75,826,662.00 John Noldan $33,785,089.00 Jon Altizer $75,124,118.00 Carrie Bertsos $33,614,916.00 Li Li $66,939,550.00 Don Carroll $33,553,566.00 Daniel Gjeldum $64,109,606.00 Domenico Giannone $33,490,890.00 Leslie Struthers $63,817,319.00 Derek Bamonte $33,026,895.00 Joe Summers $61,118,431.00 Adam Odonnell $32,928,649.00 Sam Sharp $60,619,764.00 Jeffrey Baker $32,866,545.00 Christin Luckman $60,050,816.00 John Kirpanos $32,785,333.00 Michelle Bobart $53,448,762.00 David Fisher $32,670,573.00 Michael Dunsky $52,629,684.00 David Polarek $32,397,841.00 Matt Tierney $52,558,197.00 Drew Boland $32,129,219.00 JD Cortese $51,255,003.00 Michael Gambatese $30,933,589.00 Richard Romano $46,251,493.00 Erik Johansson $30,933,520.00 Jo Ann Theriault-Fazio $46,085,851.00 Chris Devin $30,695,842.00 Christopher Knapp $45,712,510.00 Andrew Greenstein $30,247,832.00 Randy Ernst $42,549,190.00 Michael Nielsen $30,117,906.00 Jeffrey Slater $42,544,175.00 Brian Salomon $30,034,689.00 Jamie Simpson $40,792,772.00 Jonathan Jerotz $30,007,610.00We reward our members for achievingthis status with an all-inclusive, all-expense paid trip to a 5 star resort.Previous locations have included: Playa Del Carmen Dominican Republic Punta Cana Cancun
    • why Guaranteed Rate?Answers to why Top Originatorsand Company Owners join GRI Shimmy Braun Senior Vice President of Mortgage Lending 2011 Funded Loan Volume: $196,659,161 2011 Scotsman Guide Ranking: 6 Why Guaranteed Rate? Having obtained close to $1.5 billion in personal closed volume over the past 11 years, Guaranteed Rate has given me the platform to utilize my talents and strengths to become a top loan officer on a local and national level. The combination of the most aggressive rate offerings and correspon- dent/broker relationships has given me a leg up on my competitors. Our marketing department is amazing. Whether it’s e-mails, postcards or a billboard on the highway, it’s always creative and Derek Bamonte gets the phones ringing. The management team at Guaranteed Rate is Former Owner: Mountain Crest Mortgage second to none. They are accessible, flexible and 2011 Funded Loan Volume: $33,026,895 knowledgeable, and they recognize that our input is valuable and important. The environment is Why Guaranteed Rate? one of a family trying to succeed; competitionSam Sharp • Proven systems to help grow our LOs’ business. between the LOs is friendly with a true will for all to do their best.Senior Vice President of Mortgage Lending • Ability to originate directly with Fannie2011 Funded Loan Volume: $60,619,764 Mae and Freddie Mac, plus in-house2011 Scotsman Guide Ranking: 174 underwriting and aggressive rates.Why Guaranteed Rate? • Strong compliance department that oversees the constantly changingGuaranteed Rate’s processing system places our regulatory environment — and allows mecompany ahead of the competition. From start to to sleep much better!finish, the loan moves in a methodical andefficient system of checks and balances that allows • Executive management team who seesthe loan officer to close the loan transaction in a operations from an LO’s perspective, asseamless manner. opposed to a bank board who does not understand our industry.Another advantage is that Guaranteed Rate isa large company that retains the feel of a small • Ability to originate in multiple states.boutique shop; you can always speak directly tothe people who run the show at Guaranteed Rateand they actually listen and treat you with respect.Guaranteed Rate offers the most competitiverates and product selection available. Whether it’sConventional, Jumbo, FHA or our in-houseportfolio products, I am always able to offer myclients low rates and the best finance options. www.joingrnow.com
    • Products and Pricing Guaranteed Rate has developed the deepest lending platform in the country. No independent lender offers more products at a more competitive price. With our unique blend of Agency Direct, National Bank, and Regional Bank relationships, Guaranteed Rate can compete in any market with any lender. Our Loan Officers can always find a program for our clients and referral sources at a great rate. Loan Officers are free to use our in-house underwriting and correspondent lenders for conventional, Jumbo or government programs, or for those truly unique products, they have the option of using one of our many portfolio lenders. In addition to the many banks we do business with, we also are a direct seller to FNMA and Freddie Mac. These relationships have given our LOs access to lending programs that other banks can’t or won’t offer. Below is a summary of our product offerings along with some program highlights. Conforming 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 • Loan amounts up to $979,250 in Agency High Cost areas • Co-ops • 80% LTV/85% CLTV to $1M • Condo - 51% Pre-Sale requirements with CPM approval • 75% LTV/80% CLTV to $1.5M • Purchases on properties owned < 90 days with • Loan amounts up to $10M unlimited increase in sales price • FICOs down to 660 for self-employed borrowers FHA • FICOs down to 680 for W2 borrowers • 12 fully delegated underwriters on staff • In-house underwriting • 9 Correspondent lenders available • 50% DTI • FICO as low as 640 on purchase transactions • Co-ops and Condo-tel financing • FHA High Balance available • Foreign National Programs • In house Condo approvals • Pledged Asset Programs • No minimum trade line requirements • Asset Depletion Programs • 90 day purchase flips OK with unlimited increase in • Vesting in LLC or Corporations value • Unlimited acreage options VA • Second homes with some rental income • 4 fully delegated underwriters on staff • 9 Correspondent Lenders available • IRRRLs available • VA high balance available *accurate as of date of production - 06/01/12 Joe Caltabiano Matt Tierney Top Producer SVP of Mortgage Lending 2011 Funded Volume: $183,378,309 2011 Funded Volume: $52,558,197 Scotsman Guide Ranking: 11Aggressive pricing- Guaranteed Rate is constantly trying to improve Excellent product breadth - I don’t lose any deals because products aretheir pricing. Whether it is working with our correspondent lenders not available. Feels good to know that I can be a resource for my referralto give us better pricing or selling direct to Fannie Mae or Freddie sources and I have the programs and pricing to meet their needsMac, there is nothing more important than having a marketleading conforming price. We shop multiple lenders everyday tobe sure we live up to our name.
    • Processing Support Guaranteed Rate’s process support (POD Flow) is the impetus for the company’s success. For any company to be successful, regardless of the industry, a solid work flow must exist. Every industry has specific needs for its flow. Guaranteed Rate’s revolutionary POD Flow is unique to the mortgage industry. Benefits include higher productivity, happier employees and consistent customer satisfaction. The processing flow that Guaranteed Rate has built has always been focused on two things: 1. Provide the best customer service available to our borrowers and referral sources, and 2. Develop the most efficient work flow in the industry that will allow a LO to focus on what they do best, selling. Our processing staff works directly with our LOs as a team and is managed by sales. Our process is sales driven. Sales are not driven by operations. We provide our LOs with high quality personnel and focus on removing the day-to-day tasks that can slow down a LO from originating new business. We understand that high quality LOs want to originate new loans, not process loans in the pipeline. Joe Caltabiano Michael A. Gambatese Top Producer VP of Mortgage Lending 2011 Funded Volume: $183,378,309 2011 Funded Volume: $30,933,598 Scotsman Guide Ranking: 11Sales driven organization- Every couple months, the top 30+ loan The POD platform that GRATE provides is unlike any other mortgageofficers, along with the CEO, COO, National Sales director, etc. get company. My support staff/team has clearly defined roles, which allowstogether to discuss what is going on with the company. Whether me to remain out in the field generating and cultivating new business.it’s underwriting, closing, IT or pricing, no topic is off the table. The This ultimately makes me more successful than my competition.goal of the meetings is to fix anything that needs fixing in orderfor loan officers to be able to do more loans. There is no othercompany of this size that does anything like that.
    • TechnologyGuaranteed Rate is committed to growing an individual’s business by utilizing the most advancedtechnologies. We give originators the resources and support they need to leverage their businesswith ease. Guaranteed Rate has implemented a number of tools, all at a loan officer’s fingertips.By successfully navigating through the dynamic world of technology, we give the advantage tooriginators, clientele, and networking partners.Consumer Friendly Online ApplicationsAt Guaranteed Rate, we know that today’s consumer is technically savvy. So while most lenderssimply provide an online form allowing a consumer to complete the mortgage application that’sfollowed up with a call or email to move the process along, Guaranteed Rate is investing in the latesttechnology and redefining the online mortgage application process.Automated Pre-Approval E-mail CampaignsWe recognize that sometimes borrowers need a call to action; Guaranteed Rate gives them theattention they deserve, automatically. The first few steps in the loan process are done for the loanofficers with our new pre-approval email campaign.Partner XchangeGuaranteed Rate is committed to giving back to our agents by allowing them to connect with morebuyers and sellers. The Guaranteed Rate Partner Xchange is designed to help networking partners bygiving them instant online access to a variety of marketing tools at little-to-no cost.By partnering with an agent, a loan officer can offer them the best co-branded marketing productsavailable to help increase sales and foster their relationships. Each marketing product is customizedand at the agents’ full disposal. Co-branded materials that can be easily accessed include postcards,transaction envelopes, newsletters, and much more. By decreasing the cost and increasing theavailability of these resources, our agents are able to stay in touch with their current clients, andgenerate new ones. Launching Partner Xchange
    • Social MediaAt Guaranteed Rate, we know that customers need to be communicated with in many ways.Social media has become an essential medium for contacting clients. In response, we have putthe tools in place to help our loan officers build leads through social media. We know that whensocial media is implemented correctly, our loan officers are able to create personal connectionswith a large audience while showcasing their expertise to the online community.In-House Social Media StaffOur dedicated social media staff provides you with one-on-one counseling to help you apply anynew ideas to your social media sites and provides you with weekly tips to improve your sites. Facebook Fan Pages LO Blogs We set up every loan officer with their We post new articles daily with own Facebook Fan Page and help mortgage news, changes and tips them develop a targeted fanbase. that are streamed directly to your personal Guaranteed Rate blog. YouTube Our in-house video production will help you create professional videos to post on our corporate channel and your own social sites. LinkedIn Groups Customized LinkedIn groups have been designed for only Guaranteed Rate loan officers to communicate and develop relationships with various referral partners.We customize each social media experience to the needs of the loan officer. So whether you’rea novice to social media, not very interested in it or on social media 24/7, we know how to makesocial media fit into your business style.
    • why Guaranteed Rate? Answers to why Top Originators and Company Owners join GRI Joe Caltabiano Vice President of Mortgage Lending 2011 Funded Loan Volume: $183,378,309 2011 Scotsman Guide Ranking: 11 Why Guaranteed Rate? Aggressive Pricing – Guaranteed Rate is constantly trying to improve its pricing. Whether it is working with our correspondent lenders to give us better pricing or selling direct to Fannie Mae or Freddie Mac, there is nothing more important than having a market-leading conforming price. We shop multiple lenders every day to be sure we live up to our name. Sales Driven Organization – Every couple months, Jeffrey Slater the top 30+ loan officers along with the CEO, COO, National Sales director, etc., get together Former Owner BancGroup Mortgage to discuss what is going on with the company. 2011 Funded Loan Volume: $42,544,175 Whether it’s underwriting, closing, IT, pricing – no topic is off the table. The goal of the meetings Why Guaranteed Rate? is to fix anything that needs fixing in order for Outstanding Marketing Support – loan officers to be able to do more loans. There is automated database management and no other company of this size that does anything marketing, event planning, professional like that. marketing support pieces.Michael Bischof Excellent Pricing and Products – access to Multiple Lender Platform – Having over 50 corre- spondent and broker relationships, along with a variety of investors both correspondent being a direct seller to Fannie and Freddie givesFormer Owner Biltmore Financial and broker. me access to nearly every mortgage product2011 Funded Loan Volume: $77,665,5552011 Scotsman Guide Ranking: 93 available. Whether it is helping a borrower get a loan before they start their new job or doing aWhy Guaranteed Rate? loan in a condo that isn’t 50% sold, I know that ifRetain 80% to 90% of your upside income a product exists anywhere I will have access topotential (as compared to being an owner) and it. There is nothing worse than referring anothereliminate 100% of your downside risk that goes loan officer a loan at a different company becausealong with ownership. you don’t have the program. That doesn’t happen to me!Allow entrepreneur to regain focus on personalloan production, which is what, oftentimes, ledthem to becoming an owner in the first place.Ability to lend in 44 states should give a seasonedloan originator a 10-20% boost on their personalloan production.The Guaranteed Rate support system allowsoriginators to focus on their own unique abilitywithin the business. Others in the supportsystem can focus on their own unique ability asspecialists, which complement and grow yourbusiness efforts. www.joingrnow.com
    • Marketing Solutions Our innovative marketing tools and database-driven campaigns allow loan officers to effortlessly grow their business and strengthen their existing client and Realtor® relationships. Loan officers at Guaranteed Rate have a variety of marketing tools and services at their fingertips. From database driven marketing campaigns to co-branded Realtor® partner materials, there are dozens of ways to build your business and reinforce existing relationships, along with a dedicated in house marketing staff to support you! Monthly Database Campaigns Submit your database, sign up for a campaign, and you’re all set! Automated campaigns allow marketing to go out on your behalf on a monthly or weekly basis without needing to manually do it yourself. Steve Siwinski John Altizer Buffalo Grove, IL Naperville, IL 2011 Funded Volume: $77,795,514 2011 Funded Volume: $75,124,118 Scotsman Guide Ranking: 91 Scotsman Guide Ranking: 100Monthly mailers, email blasts to your database and referral partners, It’s like having your own personal marketing team workingholiday cards, birthday cards; every trick in the book, they accommodate specifically for you. By taking care of my email lists and keepingyou and support your growth. Everything at Guaranteed Rate is in constant touch with all my referral partners for me, I’m able toselflessly focused on you and your personal success. spend more time focusing on closing loans and making new sales.
    • Marketing Solutions Co-Branded Postcards Don’t worry about the details! Our marketing team works with you to design, print and email glossy postcards that are co-branded with you and your Realtor®’s contact information.Co-Branded FlyersThis database of marketing materialoffers fast solutions for any marketingproblem you may find yourself in, helpingyou advertise yourself in a quick andprofessional manner. Just Listed/Just Sold Co-Branded Postcards Our marketing team works with you to capture listing data, produce a targeted mailing list and mail postcards.
    • Marketing SolutionsOnboarding/Start-Up MarketingWhen transitioning to Guaranteed Rate, we understand the need to get up and rolling as fastas possible. Our regional managers reach out to you before you even start on the job andcontinue to work with you one-on-one throughout your tenure at Guaranteed Rate. Businesscards, moving emails and postcard announcements, personal websites, signatures and amarketing kit with samples are just a few of the items that will be created for you to ensure aseamless transition.
    • Launching Partner Xchange Online Tools to Drive Real Estate Sales Enjoy Magazine Custom Flyers Mortgage Application Status Mortgage Calculators News & Videos Service Provider Client Referral Exchange Find an Agent Get Started Today! Enroll online for free and take advantage of: Personalized magazine for your clients, loan status updates, mortgage calculators, dashboard of real estate news/videos and discounts through our affiliated service providers.Enjoy Magazine Custom Flyers Loan Status MonitorMonthly, digital, & personalized Create branded custom flyers Get real-time loan statusto send to your clients. at no cost. updates. www.guaranteedrate.com/agent ● Email partnerxchange@guaranteedrate.com Call 855.565.2236 for a demonstration
    • Business Development Guaranteed Rate has built an extensive Business Development team and plan that supports our loan officers to help them continually grow their business and referral base. In addition to the marketing support and social media initiatives detailed throughout this brochure Guaranteed Rate also provides our LOs with truly unique training and event planning support. Our event team will help organize, schedule, and recruit for LOs’ local events. Even more exciting is our new program: “Be the Man or Woman in Your Market” program. This program has been designed to help any LO double their purchase production in their market. The program has been designed by some of the country’s most successful LOs and, if followed, will undoubtedly help take an LO to new levels of personal production and growth. Events Department Planning events is a fun, exciting way to interact with your referral sources in an effort to build your business! We’ve come up with some fun and successful party ideas to make planning your next event stress and hassle free. Select your favorite package and supply the events team with the necessary information to get your party started! Every package can be tailored to your individual needs. Steve Siwinski Jeff Slater Buffalo Grove, IL VP of Mortgage Lending 2011 Funded Volume: $77,795,514 2011 Funded Volume: $42,544,175 Scotsman Guide Ranking: 91Guaranteed Rate Business Development has a program set up to Outstanding market support. The marketing department handles alldouble ANY originators purchase volume in the next twelve months. promotional and marketing pieces with a simple “yes” from the loanThe fundamentals of this program are dead on. Every loan officer that officer. Event planning from Open House Lunches to seminars andparticipates will be coached and held accountable to what they do parties are all done in-house. Professional marketing pieces are readilyeach day, week or month and guided to succeed. It’s not important available for loan officers to utilize as an enhancement for sales efforts.who you are or how much volume you do, everyone can and will domore business with the help of a business development coach.
    • why Guaranteed Rate? Answers to why Top Originators and Company Owners join GRI Joe Smith Senior Vice President of Mortgage Lending 2011 Funded Loan Volume: $121,511,948 Why Guaranteed Rate? The drive, leadership and energy of the management team and the support teams are inspirational. The operations staff has a singular focus: manufac- turing high-quality loans at a high volume with outstanding customer service. The processing flow implemented at Guaranteed Rate removes the requirements so many lenders place on originators to collect docs and conditions before they can submit a file. This process frees up originators to do what they do best, “Produce more loans.” It is a simple, highest and best use philosophy that is their blueprint for success. The origination platform is unparalleled. The pricing Bard Conn model takes your loan parameters, cross references lender guidelines and provides you with an investor Regional Manager ranking that enables you to provide the lowest Former District Manager at rate available to your borrower based on their MetLife Home Mortgage qualifications. Why Guaranteed Rate? Having worked for some of the largest brands in the mortgage industry over the past 25 years, I decided that I wanted aAllyson Kreycik lender dedicated to the products that I sold. I felt it was key to find a mortgage bankerSenior Vice President of Mortgage Lending that was solely focused on mortgages and2011 Funded Loan Volume: $118,425,395 placed emphasis on consistent product innovation, competitive pricing and completeWhy Guaranteed Rate? dedication to the customer and referralAfter working over a decade at large banks, source experience. Mainly, I wanted to workI wanted a lender that focused not only on with good people who shared my core values.just the mortgage business, but also on the I was lucky enough to find that companyservice experience for the customer. I saw with and those people at Guaranteed Rate.Guaranteed Rate that not only did it offer the mostaggressive platforms in the industry, but also dueto its size and leadership, it was agile. That meantthat if a program or product was missing – it gotcreated. From technology and systems, to interestrates and available programs, to marketing andsales support, Guaranteed Rate was the best fit formy career and for my customers’ home financingneeds. When I entered this business, it was becauseI loved finance and wanted a job where I couldhelp people with theirs. I am excited to work for www.joingrnow.coma company that shares the same goals.
    • why Guaranteed Rate?Answers to why Top Originatorsand Company Owners join GRI Stephen M. Cors Senior Vice President, Regional Manager Former Owner, Superior Mortgage Corp. Why Guaranteed Rate? After 25 years of success as Founder and CEO of Superior Mortgage, I accepted a position as SVP, Regional Manager for Guaranteed Rate Inc. and introduced 140 loan officers to a lending platform that I believe will bring more success to every- Robert E. Faust one. The mortgage business has changed a lot, especially in the past 5 years, and I was looking Senior Vice President of Mortgage Lending 2011 Funded Loan Volume: $58,049,970 Baret Kechian for a lending platform that would re-energize the sales force by providing the best combination Branch Manager of product, price and process. Guaranteed Rate Why Guaranteed Rate? 2011 Funded Loan Volume: $64,603,977 understands what top loan producers need to I spent twenty years of my mortgage career with succeed and they put together the package to one company: Superior Mortgage Corp. When I Why Guaranteed Rate? deliver it. Even at our size, lending an average of joined Guaranteed Rate in February 2012, I was I joined Guaranteed Rate in February after $1.5 billion per year, Superior did not have all of immediately impressed with the access to the managing a branch for 13 years with the tools we needed to be ahead of our competi- best mortgage programs available nationwide. Superior Mortgage. The GRI programs tors in the years to come. Now we do. The availability of added premier investors gives and pricing available have already helped me the ability to offer my clients more viable me put in a number of loans that I would options to meet their mortgage financing needs. not have been able to do before. Being able to compete with the large banks Working in partnership with the Guaranteed Rate and provide superior service keeps me staff has given me the opportunity to grow my at the top of my market. In addition to pipeline with approvable loans. Our processing, their pricing, the fact that we can sell underwriting and closing review of mortgage files direct to Fannie and Freddie has been a are done locally with the same goal: “to exceed huge help in streamlining the process, our client’s expectations” by quickly moving the while not overloading my clients with file from application to closing. documentation that they don’t need. With Guaranteed Rate’s Management Team is the most the marketing programs and paperless innovative in the mortgage industry. They have system available to me, I foresee my developed tools and a process that is uniquely branch and I having a lot of success for theirs - and it works. It is my great pleasure to be years to come and will be growing our associated with Guaranteed Rate. volume for the rest of the year. www.joingrnow.com 3940 N. Ravenswood Chicago IL 60613NMLS (Nationwide Mortgage Licensing System) ID 2611 • 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 LendingAct Lic #413-0699 • CO - To check the license status of your mortgage loan originator, visit http://www.dora.state.co.us/real-estate/index.htm • 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 MortgageLicensee - 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 #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 - Lic # 4453/2009 - 3940 N. Ravenswood Ave., Chicago, IL 60613, Licensed by the Mississippi Department of Banking and Consumer Finance • MO - Lic # 10-1744 • MT Lic#2611 • Licensed in NJ: LicensedMortgage 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 Banking Department - 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 LicensedLoan Broker Lic # 20102681LB• TN - Lic #2958 • 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