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Thanks for being a

DELGADO DIFFERENCE PARTNER

WWW.DELGADODIFFERENCE.COM

WHAT SET'S YOU APART FROM other LENDERS? I THOUGHT YOU'D NEVER ASK...

LET'S TAKE A LOOK AT WHAT TO EXPECT FROM YOUR client EXPERIENCE

WWW.DELGADODIFFERENCE.COM

MEET the TEAM GET TO KNOW WHO YOU'LL BE WORKING WITH AND WHEN

DANNY DELGADO SVP of Mortgage Lending

JOHN WATSON

KYLE GANNON

Associate Vice President

Danny, John, and Kyle are known as the VP's on the team. They are here to take your loan application, issue your pre-approval, review your loan estimate with you, lock in your rate, and send your loan to processing.

KRISTY WYATT

MICHELLE ZDENOVEC

Mortgage Consultant

Loan Coordinator

CHRISTINA HARRIS Production Manager

Once in Processing's lane, Kristy

Once we get the conditional

Christina monitors the flow of

reviews your loan application

approval, Michelle will work

all of our loans. Remember it is

and

you

with you to clear up any of

very important to get your

request

those conditions, send back

documents to us in a timely

to underwriting and hold

manner.

your hand until closing!

everyone meets deadlines &

the

provided. additional

documentation She

may

documentation

necessary and submit to initial underwriting!

She

makes

sure

will remind you if something is holding us up. It's a team effort!

STEPS TO A PERFECT LOAN

Mortgage Application Use our Digital Mortgage to obtain, print your pre-approval letter and pick a loan program. You can upload necessary documentation required for a speedy loan approval: 30 days of paystubs 2 months of bank statements 2 years of W-2 forms You'll likely need to provide more documents, but this is a great start!

02 03 04

Home Shopping With pre-approval and real estate agent in tow, you begin shopping for your home. Keep in mind, for qualifying purposes we estimate taxes, assessments and insurance. When you find a home you're interested in, give us a call so we can run numbers!

Executing the contract Once you and the seller agree on a purchase price, you'll execute a purchase contract. The contract should be sent to our team to start the approval process. Submitting the following in a timely manner will ensure a smoother process: Executed contract Earnest money Updated income and asset documents Other relevant documents our team requests Our team will order your appraisal, property title, tax transcripts and many other verification reports.

WWW.DELGADODIFFERENCE.COM NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) 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 MI - Lic #FR0018846 & SR0018847 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 MI - Lic #FR0018846 & SR0018847

STEPS TO A PERFECT LOAN

Conditional Approval Once fully processed, the loan is submitted for underwriting. Within 24-48 hours, we will receive the initial approval. The initial approval can be subject to items an underwriter needs to clear your loan to close. Soon thereafter, you'll hear these magic three words "Clear to Close!"

Closing At least 3 days before your confirmed closing date, you'll receive, review, sign and return your Initial Closing Disclosure (CD). Once cleared for closing, our team will: Confirm your closing date and time Prepare your closing package Confirm all fees Send file to title company to prepare for closing day Close your loan. Receive your keys.

Celebrate! The BEST way you know how!

04 WWW.DELGADODIFFERENCE.COM NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) 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 MI - Lic #FR0018846 & SR0018847 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 MI - Lic #FR0018846 & SR0018847

TESTIMONIALS WHAT OUR CLIENTS SAY ABOUT US

Danny and his team were fantastic. As a

They were responsive, quick, and able to

first-time homebuyer, I had no idea what

answer any question that came up

to expect and they made the process

throughout the entire process. If you

completely seamless! They were always

need a mortgage loan, Danny and the

there to answer any questions I had. I had

team will get you there!

a very quick close and they met the

K. BECVAR

deadline with no issues!

CLOSED FEB. 2022

C. KLINGER CLOSED JAN. 2022

Danny & his team really helped us out

Danny Delgado and his team did an

during our first-time home purchase. We

amazing

originally had a loan through a big bank &

Everything

last minute they told us they could only

direction was spot on. His team was

give us the loan if we had 20% down. We

always available to answer questions and

didn’t have it & Danny came to the rescue

they met all of my expectations! I highly

same day & on top of helping us, gave us a

recommend using his services!

better rate. Highly recommend getting your mortgage loan with Danny!

I. ZEMSKOV CLOSED JUNE 2020

CLICK HERE FOR MORE!

job

from

start

finish!

communication

M. SHALLOW CLOSED MAY 2021

CLIENT perks What we can do to make YOU look good for referring us

Need a pre-approval updated? We can make changes via an app on our phones so no matter where we are or what we are doing, we can have it to you in minutes.

With our no-cost Red Arrow Approval Express service, your clients can get full underwriting approval before they've even settled on a property. That's as powerful as a cash buyer.

In a multiple offer situation? Let us know and our team will call the listing agent to make them feel even more confident that your buyer is in the right hands.

Another lender dropped the ball? We are known for our Save The Day's. Let us check it out and see how we can help.

GETTING EXCITED? WE'RE JUST GETTING STARTED

LET'S GET INTO THE marketing SIDE OF THINGS OUR PARTNER SPECIFIC TEAM MEMBERS

Teagan Delgado

Tori Hir

Business Development Manager

Business Development Coordinator

Teagan is your go to for all things

Tori is the brains behind all our beautiful

Business Development. Events,

designs and social media. She manages

sponsorship opportunities and co-

our listing lineup and will reach out to

marketing. Need someone to

you weekly to see if you have any

brainstorm with? She's your girl!

properties you would like featured!

Unsure on who to reach out to? You can always email DelgadoMarketing@rate.com and it will be sent to them both.

PARTNER exclusive SERVICES Marketing & Business Development

01 02 03 04

FEATURE FRIDAY Every week our team will offer to promote any of your listings on the market in our Feature Friday social media post. They will be shared on each of our platforms for the opportunity to reach our sphere of 5,500+ followers.

MONTHLY WEBINARS Our team hosts monthly webinars covering various topics in marketing, products and programs, FAQ's and more. They are always virtual so you can join from anywhere and only last about 30 minutes. Can't make it? Don't worry, they are always recorded and added to the link in our Instagram bio.

SOCIAL MEDIA TEMPLATES Struggling to put together templates to keep your branding uniform on social media? Let us know and we can provide you with links to our favorites in Canva.

EVENTS and CLIENT APPRECIATION We are BIG on celebrating our clients and think you should be too! We know it can be a little daunting if you haven't done one before, so we've put together an event blueprint to ensure the success of your event and help you every step of the way. WWW.DELGADODIFFERENCE.COM

NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) 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 MI - Lic #FR0018846 & SR0018847 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 MI - Lic #FR0018846 & SR0018847

PARTNER exclusive SERVICES Marketing & Business Development

05 06

PRIVATE PARTNER GROUP Gain access to an exclusive Facebook Group at your finger tips! You can ask questions, post your listings for extra exposure, request for out-of-state agent referrals and much more!

FREE INTRODUCTION TEMPLATE Putting together the perfect warm introduction for me and your clients can be time consuming. So, we put one together for you to use!

OUR MARKETING menu HAVE AN UPCOMING BROKER OPEN OR OPEN HOUSE? THESE MAKE FOR GREAT SOCIAL MEDIA CONTENT!

IT WOULD BE sweet TO WORK WITH YOU! - Sugarfina Candy Boxes - Goodie Bags

LET US HELP YOU grow INTO A NEW home - Mini Succulents - Mini Blooms - Seasonal Options

THANKS for POPPING BY - La Marca Prosecco Bottles - Izzy Flavored Sparkling Waters - Garretts Popcorn

LET US be the key TO YOUR NEW HOME - Key Bottle Openers

WE LOVE TO support local We understand that sometimes it's nice to serve food at these types of events. If that is something you are interested in, please let us know so that we can work together to find a local business to support and ask them if we can tag them on social media! WWW.DELGADODIFFERENCE.COM NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) 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 MI - Lic #FR0018846 & SR0018847 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 MI - Lic #FR0018846 & SR0018847

EMAIL MARKETING menu CHECK OUT OUR E-BLAST TEMPLATE OPTIONS FOR YOUR NEXT SPONSORED EVENT WITH US!

BASEBALL INVITE

BRUNCH INVITE

FALL EVENT INVITE

HALLOWEEN INVITE

EMAIL MARKETING menu CHECK OUT OUR E-BLAST TEMPLATE OPTIONS FOR YOUR NEXT SPONSORED EVENT WITH US!

HAPPY HOUR INVITE

BINGO INVITE

CASINO NIGHT INVITE

PIZZA PARTY INVITE

WE TAKE CARE OF OUR FRIENDS WE'D LOVE TO FOLLOW YOU ON SOCIAL! CHECK OUT OUR INFO BELOW TO ADD US TO YOUR SPHERE.

@DannyDelgadoMortgage

www.DelgadoDifference.com

@MortgagebyDannyDelgado

Danny@rate.com

Danny Delgado

(630) 973-6191

GLAD WE COULD STAY CONNECTED!