Why Guaranteed Rate?

The best
deserve to work
with the best.
We have the most elite sales force in the mortgage industry.
More Loan Originators in the Top 1% than any
other mortgage lender in the country. (Mortgage Executive Magazine, 2/12)
More Top 200 Originators in the country than any
other 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 mortgage
companies in the country. Since our founding eleven years ago, we have grown every year with
the 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 the
best marketing and technology available to be successful. Our loan officers have an exceptional
platform 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 grow
market share in the coming years, solidifying our place as the premier mortgage company in the
country. 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 loan
originators in both the Top 1% nationally (Mortgage Executive) and Scotsman Guide Top 200
Originators than any other mortgage company in the country. In addition, our customer surveys
consistently have satisfaction scores in excess of 97% month-to-month and our repeat and
referral 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 loan
officers use to help our Realtor® partners grow their own purchase business as well as expand the
reach of our brand. We continually invest in technology, operations and training to streamline the
entire 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 company
and demonstrate Guaranteed Rate’s commitment to providing the optimal mortgage experience
for our business partners and customers. Our team at Guaranteed Rate is committed to helping
you grow your business and excel in your career. Your success is of the utmost importance and we
will provide you the assistance and resources required to achieve your goals. Thank you again for
your interest in Guaranteed Rate.

Sincerely,

Victor Ciardelli
President & CEO

Victor Ciardelli President and CEO

Victor Ciardelli III, CEO and President of Guaranteed Rate, is widely acknowledged
as a leading innovator in the mortgage industry. Since founding Guaranteed Rate in
2000, Victor has successfully navigated the company’s growth through various market
environments while maintaining an emphasis on integrity, productivity and customer
service. Structuring Guaranteed Rate around the simple idea of offering consumers low
rates, along with a transparent and streamlined residential mortgage experience, Victor
has grown Guaranteed Rate into one of the most successful residential mortgage lenders
in the country.

Victor’s disciplined approach towards managing the business has enabled Guaranteed
Rate to thrive despite the significant volatility in the mortgage environment over the last
several years. Guaranteed Rate has increased loan volume and revenue each year since its
inception, while significantly growing consumer recognition and brand awareness in the
markets it serves. Under Victor’s leadership, Guaranteed Rate has earned a reputation for
being 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 100,000
households.

Featured in Crain’s Chicago magazine’s list of the Largest Privately Held Companies three
years running, Guaranteed Rate was recognized for having the largest increase in revenue
growth for 2009 – an astounding 80% increase. In addition, Guaranteed Rate currently
has the most Loan Originators in the top 1% (Mortgage Executive) and in the Top 200 in
Scotsman Guide than any other mortgage company in the country.

Our Growth

11 Year Growth...3,590% Loan Volume (Year End - 2011)...$7 Billion

Our Offices:
Scottsdale, AZ Buffalo Grove, IL Waltham, MA Marlton, NJ Kingston, PA
Wilmington, DE Chicago, IL (5 Troy, MI Middletown, NJ Lords Valley, PA
Auburn, CA locations) Walker, MI Mount Arlington, NJ Milford, PA
Belmont, CA Downers Grove, IL Bloomington, MN North Wildwood, NJ Philadelphia, PA
Campbell, CA Naperville, IL (2 Eden Prairie, MN Ocean City, NJ Plymouth Meeting, PA
Capitola, CA locations) Forest Lake, MN Parsippany, NJ Cranston, RI
Long Beach, CA Northbrook, IL Plymouth, MN Tuckerton, NJ East Greenwich, RI
Norco, CA Oak Brook, IL Princeton, MN Woodbridge, NJ Newport, RI
San Diego, CA Palos Hills, IL Slayton, MN Corrales, NM Knoxville, TN
Valencia, CA Park Ridge, IL St. Louis Park, MN Garden City, NY Dallas, TX
Westlake Village, CA Schaumburg, IL St. Paul, MN Chapel Hill, NC Midvale, UT
Boulder, CO Smithton, IL Chesterfield, MO Cornelius, NC Fairfax, VA
Denver, CO South Barrington, IL Kansas City, MO Hendersonville, NC Barre, VT
Edwards, CO Dyer, IN Kirkwood, MO Matthews, NC Woodstock, VT
Washington Depot, CT Goshen, IN Las Vegas, NV Raleigh, NC Bellevue, WA
Waterbury, CT Indianapolis, IN Nashua, NH Wilmington, NC Vancouver, WA
Boca Raton, FL Valparaiso, IN Cedar Knolls, NJ (2 locations) Brookfield, WI
Clearwater, FL Belmont, MA Cherry Hill, NJ Winston-Salem, NC Kenosha, WI
Fort Myers, FL Boston, MA Hammonton, NJ Bend, OR Madison, WI
Plantation, FL Gloucester, MA Hoboken, NJ Allentown, PA Oconomowoc, WI
Ponte Vedra Beach, FL Franklin, MA Lambertville, NJ Bensalem, PA Onalaska, WI
Victor, ID Rockland, MA Lyndhurst, NJ Chester Springs, PA
Bannockburn, 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 Region

National 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 Loan Volume: $183,378,309

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 Loan Volume: $118,425,395
2011 Loan Volume: $110,347,392
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
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 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 - 3940

www.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 $30,007,610.00

We reward our members for achieving
this 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 Originators
and Company Owners join GRI

Shimmy Braun
Senior Vice President of Mortgage Lending
2011 Funded Loan Volume: $196,659,161

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
knowledgeable, and they recognize that our input
is valuable and important. The environment is
one of a family trying to succeed; competition

Sam 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 Fannie
2011 Funded Loan Volume: $60,619,764 Mae and Freddie Mac, plus in-house
2011 Scotsman Guide Ranking: 174 underwriting and aggressive rates.

Why Guaranteed Rate? • Strong compliance department that
oversees the constantly changing
Guaranteed Rate’s processing system places our regulatory environment — and allows me
company ahead of the competition. From start to to sleep much better!
finish, the loan moves in a methodical and
efficient system of checks and balances that allows • Executive management team who sees
the loan officer to close the loan transaction in a operations from an LO’s perspective, as
seamless manner. opposed to a bank board who does not
understand our industry.
Another advantage is that Guaranteed Rate is
a large company that retains the feel of a small • Ability to originate in multiple states.
boutique shop; you can always speak directly to
the people who run the show at Guaranteed Rate
and they actually listen and treat you with respect.

Guaranteed Rate offers the most competitive
rates and product selection available. Whether it’s
Conventional, Jumbo, FHA or our in-house
portfolio products, I am always able to offer my
clients 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: 11
Aggressive pricing- Guaranteed Rate is constantly trying to improve Excellent product breadth - I don’t lose any deals because products are
their pricing. Whether it is working with our correspondent lenders not available. Feels good to know that I can be a resource for my referral
to give us better pricing or selling direct to Fannie Mae or Freddie sources and I have the programs and pricing to meet their needs
Mac, there is nothing more important than having a market
leading conforming price. We shop multiple lenders everyday to
be 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
Sales driven organization- Every couple months, the top 30+ loan The POD platform that GRATE provides is unlike any other mortgage
officers, along with the CEO, COO, National Sales director, etc. get company. My support staff/team has clearly defined roles, which allows
together 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 order
for loan officers to be able to do more loans. There is no other
company of this size that does anything like that.

Technology

Guaranteed Rate is committed to growing an individual’s business by utilizing the most advanced
technologies. We give originators the resources and support they need to leverage their business
with 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 to
originators, clientele, and networking partners.

Consumer Friendly Online Applications
At Guaranteed Rate, we know that today’s consumer is technically savvy. So while most lenders
simply provide an online form allowing a consumer to complete the mortgage application that’s
followed up with a call or email to move the process along, Guaranteed Rate is investing in the latest
technology and redefining the online mortgage application process.

Automated Pre-Approval E-mail Campaigns
We recognize that sometimes borrowers need a call to action; Guaranteed Rate gives them the
attention they deserve, automatically. The first few steps in the loan process are done for the loan
officers with our new pre-approval email campaign.

Partner Xchange
Guaranteed Rate is committed to giving back to our agents by allowing them to connect with more
buyers and sellers. The Guaranteed Rate Partner Xchange is designed to help networking partners by
giving 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 products
available to help increase sales and foster their relationships. Each marketing product is customized
and 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 the
availability of these resources, our agents are able to stay in touch with their current clients, and
generate new ones.

Launching
Partner
Xchange

Social Media

At 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 put
the tools in place to help our loan officers build leads through social media. We know that when
social media is implemented correctly, our loan officers are able to create personal connections
with a large audience while showcasing their expertise to the online community.

In-House Social Media Staff
Our dedicated social media staff provides you with one-on-one counseling to help you apply any
new 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’re
a novice to social media, not very interested in it or on social media 24/7, we know how to make
social media fit into your business style.


Joe Caltabiano
Vice President of Mortgage Lending

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 gives
Former Owner Biltmore Financial
and broker. me access to nearly every mortgage product
2011 Scotsman Guide Ranking: 93 available. Whether it is helping a borrower get a
loan before they start their new job or doing a
Why Guaranteed Rate? loan in a condo that isn’t 50% sold, I know that if
Retain 80% to 90% of your upside income a product exists anywhere I will have access to
potential (as compared to being an owner) and it. There is nothing worse than referring another
eliminate 100% of your downside risk that goes loan officer a loan at a different company because
along with ownership. you don’t have the program. That doesn’t
happen to me!
Allow entrepreneur to regain focus on personal
loan production, which is what, oftentimes, led
them to becoming an owner in the first place.

Ability to lend in 44 states should give a seasoned
loan originator a 10-20% boost on their personal
loan production.

The Guaranteed Rate support system allows
originators to focus on their own unique ability
within the business. Others in the support
system can focus on their own unique ability as
specialists, which complement and grow your
business 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
Scotsman Guide Ranking: 91 Scotsman Guide Ranking: 100
Monthly mailers, email blasts to your database and referral partners, It’s like having your own personal marketing team working
holiday cards, birthday cards; every trick in the book, they accommodate specifically for you. By taking care of my email lists and keeping
you and support your growth. Everything at Guaranteed Rate is in constant touch with all my referral partners for me, I’m able to
selflessly 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 Flyers
This database of marketing material
offers fast solutions for any marketing
problem you may find yourself in, helping
you advertise yourself in a quick and
professional 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 Solutions

Onboarding/Start-Up Marketing
When transitioning to Guaranteed Rate, we understand the need to get up and rolling as fast
as possible. Our regional managers reach out to you before you even start on the job and
continue to work with you one-on-one throughout your tenure at Guaranteed Rate. Business
cards, moving emails and postcard announcements, personal websites, signatures and a
marketing kit with samples are just a few of the items that will be created for you to ensure a
seamless 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 Monitor
Monthly, digital, & personalized Create branded custom flyers Get real-time loan status
to 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
Guaranteed Rate Business Development has a program set up to Outstanding market support. The marketing department handles all
double ANY originators purchase volume in the next twelve months. promotional and marketing pieces with a simple “yes” from the loan
The fundamentals of this program are dead on. Every loan officer that officer. Event planning from Open House Lunches to seminars and
participates will be coached and held accountable to what they do parties are all done in-house. Professional marketing pieces are readily
each 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 do
more business with the help of a business development coach.


Joe Smith

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.
Having worked for some of the largest
brands in the mortgage industry over the
past 25 years, I decided that I wanted a
Allyson Kreycik lender dedicated to the products that I sold.
I felt it was key to find a mortgage banker
Senior Vice President of Mortgage Lending that was solely focused on mortgages and
2011 Funded Loan Volume: $118,425,395 placed emphasis on consistent product
innovation, competitive pricing and complete
Why Guaranteed Rate? dedication to the customer and referral
After working over a decade at large banks, source experience. Mainly, I wanted to work
I 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 company
service experience for the customer. I saw with and those people at Guaranteed Rate.
Guaranteed Rate that not only did it offer the most
aggressive platforms in the industry, but also due
to its size and leadership, it was agile. That meant
that if a program or product was missing – it got
created. From technology and systems, to interest
rates and available programs, to marketing and
sales support, Guaranteed Rate was the best fit for
my career and for my customers’ home financing
needs. When I entered this business, it was because
I loved finance and wanted a job where I could
help people with theirs. I am excited to work for

www.joingrnow.com
a company that shares the same goals.


Stephen M. Cors
Senior Vice President, Regional Manager
Former Owner, Superior Mortgage Corp.

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
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 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 - 3940 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 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 # 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

Why Guaranteed Rate?

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