Guaranteed Rate
OverviewThe Home Purchase ExpertsSM
Presented By Sean Wohland
Vice President of Mortgage Lending
About Guaranteed Rate
• Founded in 2000 by President and CEO Victor Ciardelli
• Since 2000, double-digit growth each year,...
Accolades
• Guaranteed Rate named the 8th Largest Retail Mortgage Lender in America
(Source Media, 2012)
• Guaranteed Rate...
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 Top Lending Ins...
Conforming Options
• 25+ 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 a...
VA Loan
• 7 Correspondent lenders available
• IRRLs available
• VA Jumbo
• Minimum FICO score 640
Second Mortgages
• Up to...
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...
USDA Loan
• 3 Correspondent lenders available
• 100% Financing
• 30 Year Fixed
• Property eligibility and income limits ap...
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
Social Media
• Monthly social media webinars geared solely toward
Realtors
– New topic every month
– Prize giveaways
– Q&A
www.guaranteedrate.com/agent
Partner Xchange Agent website adds value
from start to finish
• Initiate new business
• Help execute the deal
• Keep clien...
Sean Wohland
Vice President of Mortgage Lending
P: 480-748-9989 Arizona
P: 818-514-5626 California
Sean. Wohland@Guarantee...
Best mortgage company in arizona
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Learn why Sean Wohland of Guaranteed Ratecan help you grow your business using cutting edge technology and unmatched mortgage support.

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  • Best mortgage company in arizona

    1. 1. Guaranteed Rate OverviewThe Home Purchase ExpertsSM Presented By Sean Wohland Vice President of Mortgage Lending
    2. 2. About Guaranteed Rate • Founded in 2000 by President and CEO Victor Ciardelli • Since 2000, double-digit growth each year, becoming the 2nd largest independent mortgage company in the nation! • More than 2,500 employees, more than 150 offices Nationwide • Licensed in all 50 states plus Washington D.C.
    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 • State Bond Programs
    6. 6. Conforming Options • 25+ 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 • IRRLs available • VA Jumbo • Minimum FICO score 640 Second Mortgages • Up to 90% CLTV piggyback loans • Fixed & HELOC available
    9. 9. 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 with no MI on SFR/Condo to $750,000 • 85% LTV with no MI 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
    10. 10. 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
    11. 11. USDA Loan • 3 Correspondent lenders available • 100% Financing • 30 Year Fixed • Property eligibility and income limits apply • Minimum FICO score 640
    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 more 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. Social Media • Monthly social media webinars geared solely toward Realtors – New topic every month – Prize giveaways – Q&A
    16. 16. www.guaranteedrate.com/agent
    17. 17. Partner Xchange Agent website adds value from start to finish • Initiate new business • Help execute the deal • Keep clients informed of the loan process • Maintain relationships
    18. 18. Sean Wohland Vice President of Mortgage Lending P: 480-748-9989 Arizona P: 818-514-5626 California Sean. Wohland@GuaranteedRate.com www.SeanWohland.com NMLS: 856043 Contact Us NMLS (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 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 - 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 –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 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 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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