Guaranteed Rate Consumer Overview

Guaranteed Rate Overview
Copyright © 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 Retail
Mortgage 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 Rate
the #4 private company job creator in
the U.S. in their 2013 Hire Power Awards,
and #1 ranked job creator in the real estate
category.
Guaranteed Rate has more loan officers
ranked on the Mortgage Executive,
Scotsman Guide and Origination News
“Top Originators” lists than any other
bank or mortgage company.
The Chicago Tribune has named
Guaranteed Rate to its “Top Workplaces”
list four out of the last five years.
Guaranteed Rate was named #1
mortgage company in America by
Mortgage Executive Magazine in 2012.
Additionally, Guaranteed Rate President
and CEO Victor Ciardelli was named
Mortgage Executive Magazine “CEO of
the Year” in 2012 and 2013.
Committed to technology, Guaranteed
Rate received the Built in Chicago Moxie
Award in 2013 for its cutting-edge online
loan application.
Guaranteed Rate ranked #1 in retail
volume on the 2014 “Top Mortgage
Lenders” list in the June 2015 issue
of Scotsman Guide. It is the second
consecutive year that Guaranteed Rate
has 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 your
home 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 Butler
Vice President of Mortgage Lending
P: 847.592.9547
C: 703.395.7188
Brett.Butler@guaranteedrate.com
www.guaranteedrate.com/brettbutler
NMLS ID:1296302 IL - 031.0031314 MB.0005932

Guaranteed Rate Consumer Overview

More Related Content

What's hot

Viewers also liked

Similar to Guaranteed Rate Consumer Overview

Guaranteed Rate Consumer Overview