Guaranteed Rate is a large retail mortgage lender founded in 2000 and licensed in all 50 states. It has approximately 170 offices nationwide and closed $12.4 billion in loan volume in 2014. Guaranteed Rate aims to provide a fast and transparent mortgage process for customers along with competitive products and services tailored to real estate agents. Key offerings include various loan options, digital mortgage capabilities, marketing support, and an online real estate community called Partner Xchange.

1. A Mortgage Company Built for Real Estate Agents
Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
Presented By: John Smith, Vice President of Mortgage Lending

2. About Guaranteed Rate
2 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

3. One of the 10 Largest Retail
Mortgage Lenders in the US
3 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
• 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

4. Industry Leading Customer Service
4 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

5. High Net Promoter Score (NPS)
5 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
• 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.

6. Accolades
6 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
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.
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.

7. 7 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
Ty Pennington – Our Spokesperson
• TV host
• Featured on guaranteedrate.com,
Partner Xchange, and in our
national advertising campaign
• National TV commercials
• Scheduled to appear at various
events nationwide

8. 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 FHA 203(k) department
• VA & USDA loans
• Jumbo financing experts
• Partner Xchange: px.guaranteedrate.com
8 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

9. A Mortgage Company Built for
Realtors
9 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

10. Your Partner for Every Phase of a Transaction
10 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
Real-time
buyer
approvals
24/7 Loan
Status
More financing
options than
Big Banks
Local
appraisers
Marketing
benefits

11. 11 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
The World’s First Digital Mortgage!
• Choose their own loan type
• Get their FREE CREDIT SCORES from
all 3 credit bureaus
• Securely upload & digitally sign
their loan documents
• Get a REAL ONLINE APPROVAL with
our automated underwriting engine
In just minutes, your clients can:
By completing these steps, your clients can earn $250*!
*"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.

12. 24/7 Loan Status for You and Your Buyers
12 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
With automated email notifications for each step of the process
Exclusively for Members of Partner Xchange

13. Close More Deals with More Financing Options
We can provide options where the Big Banks may fall short
13 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
• Over 40 lenders available
• Direct lender with Fannie Mae/Freddie Mac/Ginnie Mae, Fixed & ARM
• 97% financing available with PMI: SFR & condos (first time buyers)
• Up to 90% CLTV piggyback loans
• Fixed & HELOC available
• State bond programs available

14. Comprehensive Set of Jumbo Options
14 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
• 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

15. We Work with Local Appraisers Who Know
Your Market
15 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
Dedicated panel of local appraisers who are experts in your area/market
Note: Select Jumbo investors may require third-party appraisal management company

16. Marketing Benefits
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17. Free Informative e-books
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These jargon-free downloadable e-books are full of great
information and available for instant download on my website!

18. Partner Xchange
The Partner Xchange is focused on helping you
double your business and dominate your market
with advice from the top 10% of agents nationally
in four key areas:
• Marketing
• Business Development
• Building a Team
• Using Smart Technology
18 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
Combined annual volume
of PX agents is $7 billion!

19. Partner Xchange
Exclusive features include:
• Master Classes with in-depth interviews
from top agents across the nation
• Loan Status Monitor
• Property flyers
• Referral Xchange
• Enjoy magazine
• Informative e-books
• Widgets
19 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

20. Execute Proven Joint Marketing Campaigns
Postcards
20 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
• Just Listed and Just Sold Postcards
• Other neighborhood postcards
• Targeted mailings/prospecting
• Client retention – mailings to current clients

21. We’ll Help You Use Social Media Effectively
21 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
Our video library of more than 200 short tips and our Social Media e-book
will teach you the fundamentals

22. We Organize Fun and Engaging Events
22 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
Get foot traffic to your open houses
Increase Visibility
Realtors can work with their Guaranteed Rate loan officer to sponsor catering
and provide marketing materials for open houses, first time homebuyer
seminars, client appreciation and professional networking events.
• Decorating Class for your new home
• Homebuyer Seminar with expert panel
• Family Photo Shoot
• Open Houses/Home Tours
• Social Media and iPad Trainings
• Block Parties

23. Guaranteed Rate Foundation Scholarship
23 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
Open to children and grandchildren of Partner Xchange members
Four $40,000 scholarships awarded every year

24. 24 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
Guaranteed Rate:
A Mortgage Company Built for Real Estate Agents
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