The Home Purchase ExpertsSM

Guaranteed
Rate Overview
8th Largest Mortgage Company
• Founded in 2000 by President and CEO Victor Ciardelli

• Licensed in 50 states plus Washing...
Accolades
•

Guaranteed Rate named the 8th Largest Retail Mortgage Lender in America
(Source Media, 2012)

•

Guaranteed R...
Focused on Customer Service
• Company-wide 96% Customer
Satisfaction Rating
• BBB A+ Rating
• According to the Consumer Fi...
GR is a Lender with
•
•
•
•
•
•
•
•
•
•

In-House Underwriting & Closing
24-48 Hour Turn Times
Full Product Offering With ...
Conforming Options
• 27+ Correspondent Lenders available

• 97% financing available with PMI & condos
• Direct Lender with...
FHA
• FHA streamline with no appraisal

• 7 Correspondent lenders available
• FHA High Balance available
• In house Condo ...
VA Loan
• 7 Correspondent lenders available
• IRRRLs available
• VA Jumbo
• Minimum FICO score 640

Second Mortgages
• Up ...
USDA Loan
• 3 Correspondent lenders available
• 100% Financing
• 30 Year Fixed
• Property eligibility and income limits ap...
Jumbo Options
• 10+ Correspondent Lenders available
• 16+ Wholesale/Portfolio Lenders available
• Non-warrantable Condos u...
Commercial Loans
• Simple Process/All data collection, underwriting and
processing done by investors
• Multi-Family (Apart...
Industry Low Rates and Fees
• We shop for the best rates and products from the
Nation’s top lenders to find the perfect fi...
Convenient Online Application
Easy to use consumer
friendly online application:
1. Choose a rate
2. Free credit report
3. ...
Free Informative eBooks
Contact
Xavier Ramirez
Vice President of Mortgage Lending
P: 424.210.7653
F: 73.357.4770
xavier.ramirez@guaranteedrate.com...
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Guaranteed Rate Overview by Xavier Ramirez VP of Mortgage Lending

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Guaranteed Rate Overview by Xavier Ramirez VP of Mortgage Lending

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Guaranteed Rate Overview by Xavier Ramirez VP of Mortgage Lending

  1. 1. The Home Purchase ExpertsSM Guaranteed Rate Overview
  2. 2. 8th Largest Mortgage Company • Founded in 2000 by President and CEO Victor Ciardelli • Licensed in 50 states plus Washington D.C. • More than 160 Offices Nationwide • More than 2,800 employees
  3. 3. Accolades • Guaranteed Rate named the 8th Largest Retail Mortgage Lender in America (Source Media, 2012) • Guaranteed Rate was named the #1 Mortgage Company, has the Most Top 200 Originators nationally (30), and has the Most Originators in the Top 1% in America (Mortgage Executive Magazine, 2012) • More Top 300 Loan Originators (30), as ranked by Scotsman Guide (2012), work at Guaranteed Rate than at any other mortgage company • Featured on Chicago Tribune’s list of the Best Places to Work • Featured on Inc. Magazine’s list of the Fastest Growing Private Companies in the U.S. for the last five years • Included on Crain’s Chicago list of the Fifty Fastest Growing Companies six years running • President and CEO Victor Ciardelli named as a 2012 Ernst & Young Entrepreneur of the Year award winner
  4. 4. Focused on Customer Service • Company-wide 96% Customer Satisfaction Rating • BBB A+ Rating • According to the Consumer Financial Protection Bureau, Guaranteed Rate leads the industry by leaps and bounds when it comes to fewest customer complaints. • We not only had the fewest complaints, but on a volume-adjusted basis, the company was also number 1 with only 1.02 complaints per 10,000 funded loans.
  5. 5. GR is a Lender with • • • • • • • • • • In-House Underwriting & Closing 24-48 Hour Turn Times Full Product Offering With Top Lending Institutions Fannie and Freddie Direct FHA Loans & In-House FHA Underwriting FHA/FNMA In-House Condo Approvals Jumbo Financing Programs Full FHA 203(k) Department VA and USDA loans State Bond Programs
  6. 6. Conforming Options • 27+ Correspondent Lenders available • 97% financing available with PMI & condos • Direct Lender with Fannie/Freddie, Fixed & ARMS • DU Refi Plus and Freddie Open Access Programs • Guaranteed Rate Warrants all Condos & Coops through internal condo departments • Condo 51% CPM Approval / PERS Available • Purchases on properties owned <90 days with unlimited increase in sales price with Fannie /Freddie
  7. 7. FHA • FHA streamline with no appraisal • 7 Correspondent lenders available • FHA High Balance available • In house Condo approvals • No minimum trade line requirements • 90 day purchase flips OK with unlimited increase in value • Minimum FICO score 640
  8. 8. VA Loan • 7 Correspondent lenders available • IRRRLs available • VA Jumbo • Minimum FICO score 640 Second Mortgages • Up to 90% CLTV piggyback loans • Fixed & HELOC available
  9. 9. USDA Loan • 3 Correspondent lenders available • 100% Financing • 30 Year Fixed • Property eligibility and income limits apply • Minimum FICO score 640
  10. 10. Jumbo Options • 10+ Correspondent Lenders available • 16+ Wholesale/Portfolio Lenders available • Non-warrantable Condos up to $1,000,000 Correspondent/$3,000,000 Broker • 90% LTV on SFR/Condo to $850,000 • 80% LTV to $1,500,000 • 70% LTV to $2,500,000 • In House Delegation • 50% DTI • Foreign National Programs • Asset Depletion Programs • Unlimited Acreage options • ARM Interest Only Available
  11. 11. Commercial Loans • Simple Process/All data collection, underwriting and processing done by investors • Multi-Family (Apartments) $1,000,000 & up to 80% LTV • Owner Occupied to $9,000,000 up to 90% LTV • Office & Industrial $1,000,000 & up to 75% LTV • Investment Owned Single Tenant Investment Properties $1,000,000 & up to 75% LTV
  12. 12. 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.
  13. 13. Convenient Online Application Easy to use consumer friendly online application: 1. Choose a rate 2. Free credit report 3. Instant approval with Freddie Mac’s AUS 4. Check loan status 24/7 5. Print a pre-approval letter
  14. 14. Free Informative eBooks
  15. 15. Contact Xavier Ramirez Vice President of Mortgage Lending P: 424.210.7653 F: 73.357.4770 xavier.ramirez@guaranteedrate.com www.guaranteedrate.com/xavierramirez NMLS ID:175409 CA - CA-DOC175409 - 413 0699, CO 100043370 - Licensed 12121 Wilshire Blvd Ste 350 Los Angeles, CA 90025 NMLS (Nationwide Mortgage Licensing System) ID 2611 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 #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 HI - Lic#HI-2611 ID - Guaranteed Rate, Inc. Lic #MBL-5827 IL - Residential Mortgage Licensee – Illinois Department of Financial & Professional Regulation, 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 #FR0018846 & SR0018847 MN - Lic #MO 20526478 MS - Guaranteed Rate, Inc. 3940 N. Ravenswood Ave., Chicago, IL 60613 - Mississippi Licensed Mortgage Company, Lic # 2611 MO - Guaranteed Rate 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 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 Services3940 N Ravenswood, Chicago, IL 60613 Lic # B500887 NC - Lic #L-109803 ND - Lic #MB101818 OH - Lic #MBMB.850069.000 & 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 #-2611 SD - Lic# ML.04997 TN - Lic #109179 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

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