A Proper Partnership

A Proper Partnership

Proper Rate founders Mike Golden, Victor Ciardelli and Thad Wong

A FULL-SERVICE LENDER

+ @properties, one of the nation’s largest residential brokerage

Working together to help customers love where they live.

+ Our select team of hand-picked loan officers thrive on

firms, partnered with Guaranteed Rate Inc., the 3rd largest retail lender in the country, to form Proper Rate–an independent mortgage company with the strength of a big lender and the hands-on service of a local firm developing strong relationships with their agent partners

PROPER RATE

Launched to streamline the client experience. + Overall home buying satisfaction levels are consistently higher among those who use one-stop shopping

+ 79% of consumers stated that one-stop

shopping makes the home buying process more efficient and manageable

+ Consumer demand for one-stop shopping is growing exponentially–In 2019, 50% of recent consumers used one source for home buying, up from 29% in 2008

Statistics were based on a NAR/Harris Poll of Consumer Preferences for Real Estate Services Performed in 2008, 2010, 2015, and most recently in 2019.

For agent presentation only

t

Nationally Recognized

Growth from Teamwork

(and still not satisfied)

$80B

NerdWallet Best Mortgage Lender Awards:

+ + + +

$70B

Best Mortgage Lender for Refinancing Best Mortgage Lender for Online Loans

$60B

Best Mortgage Lender for VA Loans $50B

Best Conventional Mortgage Lender

$40B

U.S. News & World Report Best Rankings:

$30B

+ Best Home Improvement Loans + Best Online Mortgage Experience

$20B

$10B

HousingWire Awards:

2000

2003

2006

2009

2012

2015

+ HW Tech100 Mortgage winner NerdWallet awards from 2021 and 2019, HousingWire award from 2020, U.S. News Accolades in 2018.

Our Parent Company, GR, Inc., has earned these honors

For agent presentation only

Funded Loan Volume 2000-2020* *Funded volume for Guaranteed Rate Companies

2018

2020

Helping You Look Good

Helping you look good.

MORTGAGE CALCULATORS

Easy to use calculators for you and your clients at your fingertips. + By putting buyers in the driver’s seat,

we allow them to do their own research, saving you time in the process

+ Our mortgage calculators are open to everyone—anytime, anywhere

+ You and your clients can use these

calculators to help inform you of potential monthly payments and mortgage costs including loan amount, down payment, interest rate and more

For agent presentation only

DIGITAL MORTGAGE

Your clients can easily complete the entire process in as few as 15 minutes. + Generates recommended loan options with real-time rates

+ Advanced Asset Verification: Hassle-free automated bank statement gathering

+ LoanBeam technology simplifies tax-

return income for faster and more accurate income analysis

+ Personalized document to-do list guides clients through the process

For agent presentation only

TOTO

Our on-the-go mobile tech enables me to update your preapprovals anywhere, in seconds. + Never worry about getting your buyers’ pre-approval letters updated

+ We can send quotes to your buyers’

via text, lock loans and start the loan process in Toto

+ We don’t keep banker’s hours—we’re available Saturday and Sunday, day or night

Appraisal required for eligibility and subject to conditions. Applicant subject to credit and underwriting approval Not all applicants will be approved. Restrictions may apply.

For agent presentation only

LOAN STATUS MONITOR

Real-time status updates for the loan milestones you care about. + Know exactly what’s going on with every customer

+ Full transparency with 24/7 access to all

loans in process online and in your inbox

+ Opt into text notifications so you’re

always in the loop even when you’re on the go

+ Our team is always available to talk on the phone

Available at agents.properrate.com Appraisal required for eligibility and subject to conditions. Applicant subject to credit and underwriting approval Not all applicants will be approved. Restrictions may apply.

For agent presentation only

FLASHCLOSESM

We’ve changed the game: Now closings take minutes, not hours. + Borrowers can review and e-sign most

documents prior to the closing appointment

+ Receive notifications letting you know that things are in order

+ At the closing, borrowers just need to

sign a few remaining documents—saving everybody time

FlashClose Hybrid: Not eligible for all loan types or investors. Eligible for conforming and jumbo loans as well as primary, 2nd home and investment properties. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Title company restrictions may apply, not eligible for HFA programs. Contact Proper Rate for current rates and for more information.

FlashClose eClose: Not eligible for all loan types, or investors. Conventional loans only. Eligible for primary, 2nd home and investment properties. Title company restrictions may apply, not eligible for HFA programs. Full eClose is not currently eligible in California, Connecticut, Delaware, Georgia, Maine, Massachusetts, Mississippi, New York, North Carolina, Rhode Island, South Carolina, Vermont, and West Virginia.

For agent presentation only

Helping You Grow Your Business

Helping you grow your business.

MONITORBASESM

Technology that knows when past clients are back in the market. + MonitorBase is tech that alerts us when customers have their credit pulled

+ Other actionable triggers provide insight into clients’ mortgage and real estate related activities

+ We’ll know when they might be back in the market and it’s a good time to reach out

For agent presentation only

COMPLIMENTARY CRM

Ignite your database with our free customizable CRM. + Stay connected with all of your leads and potential buyers

+ Upload leads to your database from any source

+ Deploy an omni-channel marketing

approach using personalized email, social media, print collateral, direct mail and web marketing

For agent presentation only

CLIPBOARDSM

Turn any open house into a warm lead generator. + Seamlessly capture contact info with our lead capture apps

+ Set up guest check-in on any device— phone, tablet or laptop, and the info automatically syncs to your database

+ Add buyers to a follow-up email drip

campaign to start marketing to them immediately

Available at agents.properrate.com

For agent presentation only

LISTHOME SM

Make your listings as beautiful online as they are in person. + Customized co-branded sites with full MLS and IDX integration

+ Modern, professional templates deliver a flawless user experience

+ Capture visitor information to continuously grow your database of interested buyers

Available at agents.properrate.com

For agent presentation only

CLIENTDRIPSM

“Plug and play” email campaigns that help you stay in front of potential clients. + Keep the conversation going with

prospects through customized drip campaigns

+ Leverage our co-branded email templates to highlight loan-specific or seasonally relevant information

Available at agents.properrate.com

For agent presentation only

POSTCARDS

Stay top-of-mind so your past clients always remember to refer you. + Direct mail pieces can help you

continuously reach your entire database

+ Use our customizable designs to send out postcards multiple times a month

Available at agents.properrate.com

For agent presentation only

PROPERTY FLYERS

Turn lookie-loos into bona fide buyers. + Instantly generate co-branded home loan analysis sheets in seconds

+ The system autopopulates the MLS info, photo, contact info and pricing

OPEN HOUSE 2282 MAIN ST CHICAGO, IL 80918 Beautifully updated N/E tri-level with breathtaking mountain views of Pikes Peak. Enjoy open floor plan, spacious rooms and cozy wood-burning fireplace. IKEA kitchen with soft-close drawers, glass tile back splash and stainless steel appliances. All three bedrooms upstairs and master offers dual closets. Huge 12,327 sq. ft. fully-fenced backyard with storage shed, flat-rock patio and second wood deck that is already wired for a hot tub.

RV parking. Walking distance to Dublin Park. New carpet/New paint. Welcome home!

LISTED AT $285,000

+ Custom layout and color options are available

15 - YEAR FIXED

30 - YEAR FIXED

NONCONFORMING, 20% DOWN

NONCONFORMING, 20% DOWN

4.250% (APR 4.336%)1

Rate/APR

$5,049.29

Mortgage payment

$638.75

Tax, Insurance & HOA

$5,688.04

Total monthly

$167,800.00

Down payment

1- Sample monthly Principal and Interest (P&I) payment of $XXXX is based on a purchase price of $000,000, down payment of 0.00%, XX year fixed rate mortgage and rate of 0.000%/0.000% APR (annual percentage rate). Advertised rates and APR effective as of xx/xx/xx and are subject to change. Above scenario assumes a first lien position, xxx FICO score, xx day rate lock on a primary residence and are subject to change without notice. Subject to underwriting guidelines and applicant’s credit profile. Sample payment does not include taxes, insurance or assessments. Not all applicants will be approved. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Contact Proper Rate for more information and up to date rates.

4.250% (APR 4.336%)2

Rate/APR

$5,049.29

Mortgage payment

$638.75

Tax, Insurance & HOA

$5,688.04

Total monthly

$167,800.00

Down payment

2- Sample monthly Principal and Interest (P&I) payment of $XXXX is based on a purchase price of $000,000, down payment of 0.00%, XX year fixed rate mortgage and rate of 0.000%/0.000% APR (annual percentage rate). Advertised rates and APR effective as of xx/xx/xx and are subject to change. Above scenario assumes a first lien position, xxx FICO score, xx day rate lock on a primary residence and are subject to change without notice. Subject to underwriting guidelines and applicant’s credit profile. Sample payment does not include taxes, insurance or assessments. Not all applicants will be approved. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Contact Proper Rate for more information and up to date rates.

Contact me today to learn more!

John Smith

Jane Doe

Senior VP of Mortgage Lending

O: (917) 757-6633

Real Estate Agent

C: (917) 757-6633

O: (917) 757-6633

properrate.com/johnsmith

C: (917) 757-6633

samplerealty.com/janedoe

john.smith@properrate.com

jane.doe@samplerealty.com LIC # 123456

3940 N. Ravenswood Chicago, IL 60613

Available at agents.properrate.com

REALTY INC.

1234 Address Ave Chicago, IL 60601

NMLS ID:856043, LO#: AZ - 0919996 - 0907078 NMLS ID #1901699 (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 #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 #MLB2611 • 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.

For agent presentation only

NEIGHBORHOOD REPORTS

Show them that you really know the neighborhood. + Our neighborhood reports provide

up-to-date information, including school ratings, restaurants, shopping, Walk Score® and more

+ Attract more potential buyers by providing a quick snapshot of where they are about to live

Contact me today to learn more!

John Smith

Jane Doe

Senior VP of Mortgage Lending

O: (917) 757-6633

Real Estate Agent

C: (917) 757-6633

O: (917) 757-6633

properrate.com/johnsmith

C: (917) 757-6633

samplerealty.com/janedoe

john.smith@properrate.com

jane.doe@samplerealty.com LIC # 123456

3940 N. Ravenswood Chicago, IL 60613

Agents shall be financially responsible for their pro rata share of marketing and event costs.

For agent presentation only

1234 Address Ave Chicago, IL 60601

NMLS ID:856043, LO#: AZ - 0919996 - 0907078 NMLS ID #1901699 (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 #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 #MLB2611 • 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.

CUSTOM PRINTS When you choose to work with me, your clients will get: • Low mortgage rates.

• Constant loan status updates, every step of the way.

• Lightning-fast pre-approvals through our industry-leading

• Diverse loan options and programs.

Digital Mortgage.

• Leading-edge tech that makes the process seamless.

• Unsurpassed service ensured by my elite team of local, experienced mortgage professionals.

{BASIC-S}

Your clients deserve the best possible home loan experience, and that’s why I’m here.

Give me a call today for a 5-minute chat to learn more.

John Smith

Senior VP of Mortgage Lending

O: (917) 757-6633

C: (917) 757-6633

Rate.com/johnsmith

john.smith@rate.com

1800 W Larchmont Ave, Suite 301, Chicago, IL 60613 NMLS ID:856043, LO#: AZ - 0919996 - 0907078 NMLS ID #1901699 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) |CO – Proper Rate, LLC. Regulated by the Division of Real Estate • IL - Residential Mortgage Licensee - IDFPR, 1800 W Larchmont Ave, Suite 301, Chicago, IL 60613 #MB.6761454 • IA - Lic #2019-0140 • MI - Lic # FL0022695 & SR0022695 • MN - Lic #MN-MO-1901699 • OH - Lic #RM.804550.000 - 1800 W Larchmont Ave, Suite 301, Chicago, IL 60613 #MB.6761454 • TX - Licensed in TX: Licensed Mortgage Banker & Licensed Residential Mortgage Loan Servicer- TX Department of Savings & Mortgage Lending • TN - Lic #199579 • WI - Lic #1901699BA & 1901699BR

NORTH SUBURBS

WEST

PARK

RIDGE NORWOOD

PARK JEFFERSON

CRAGIN

AUSTIN

+ Buyer education

CENTER

LOGAN

LINCOLN

PARK

WEST

PARK TOWN

NEAR NORTH SIDE

NEAR LO WEST OP SIDE

EAST GARFIELD PARK

NORTH LAWNDALE

LOWER WEST LITTLE SIDE BRIDGE

PORT

VILLAGE

+ Helpful hints

LAKE VIEW

SQUARE

WEST GARFIELD PARK

WESTERN SUBURBS

WATER

UPTOWN

NORTH

AVONDALE

HUMBOLDT

NORTHWEST SUBURBS

EDGE SQUARE

IRVING PARK HERMOSA

MONTCLARE

BELMONT

PARK

LINCOLN

PARK

DUNNING

+ Product flyers

PARK

ALBANY

PORTAGE PARK

RODGER’S

NORTH

PARK

FRANKLIN PARK

Materials Include:

FOREST GLEN

ARCHER HEIGHTS

GARIELD RIDGE

CLEARING

WEST ELSDON

WEST LAWN

MCKINLEY

PARK

BRIGHTON

PARK

GAGE PARK

NEW CITY

NEAR SOUTH SIDE

DOUG LAS

ENGLE-

WOOD CHICAGO WEST ENGLE-

LAWN WOOD

BRONZE

OAKLAND

EDISON

SHILLER PARK O’HARE

ROSEMONT

postcards, brochures, and guides to get buyers more comfortable with the process

ARMOR SQUARE

+ We offer a variety of co-branded flyers,

FULLER PARK

Tailor-made marketing collateral to suit any situation.

Want the best for your clients?

VILLE WASHINGTON

KEN WOOD

HYDE

PARK PARK

WOODLAWN

SOUTH SHORE

GREAT GRAND CROSSING

NEAR WEST SUBURBS

ASHBURN AUBURN GRESHAM CHAT- PARK HAM

SOUTHWEST SUBURBS

MOUNT GREENMAN

SOUTH SUBURBS

MORGAN

PARK

SIDE

CHICAGO

HEIGHTS

PULLMAN

ROSELAND

WEST PULLMAN

SOUTH

Proper Rate home loan options Our extensive portfolio gives you plenty of options

CALUMET BURN-

WASHINGTON HEIGHTS

BEVERLY

AVALON

EAST

SOUTH

SIDE

DEERING

RIVERDALE

FHA

• Conventional

• Down payment options start at 3.5% • Allows non-occupying co-borrower

• No mortgage insurance requirements for borrowers with options less than 20% down

• Down payment and closing costs may be gifted1

• Finance 2-4 unit property with 5% down options

USDA

Jumbo

• 100% financing options available

• For borrowers in the market for a home loan above $510,4002

• No private mortgage insurance (PMI), plus low monthly guaranteed annual fee • Only applies to designated rural properties

New Construction

VA

• FHA, VA, Conforming and Jumbo Extended Lock options up to 12 months

• For qualifying purchase borrowers who want 100% financing options

• Financing options to include post-closing upgrades

• No PMI

• Escrow holdback waiver program

• 2-1 temporary rate buydown available

• 100% financing options on loans up to 1.5M

HEGEWISCH Current as of 04/23/2020 1-Gift funds may be allowed for down payment and closing costs for borrowers who meet FICO score minimums. Restrictions apply.

2-{FHFA-S} {BASIC-S} {GOV-1-S}

Contact me today to learn more!

John Smith

Senior VP of Mortgage Lending

O: (917) 757-6633

C: (917) 757-6633

properrate.com/johnsmith

john.smith@properrate.com

1800 W. Larchmont Ave., Chicago, IL 60613 NMLS ID:856043, LO#: AZ - 0919996 - 0907078 NMLS ID #1901699 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • CO – Proper Rate, LLC. Regulated by the Division of Real Estate • IL - Residential Mortgage Licensee - IDFPR, 1800 W Larchmont Ave, Suite 301, Chicago, IL 60613 #MB.6761454 • IA - Lic #2019-0140 • MI - Lic # FL0022695 & SR0022695 • MN - Lic #MN-MO-1901699 • OH - Lic #RM.804550.000 - 1800 W Larchmont Ave, Suite 301, Chicago, IL 60613 #MB.6761454 • TX - Licensed in TX: Licensed Mortgage Banker & Licensed Residential Mortgage Loan Servicer- TX Department of Savings & Mortgage Lending • TN - Lic #199579 • WI - Lic #1901699BA & 1901699BR

Agents shall be financially responsible for their pro rata share of marketing and event costs.

For agent presentation only

PRIVATE FACEBOOK GROUP

Exclusive “insider” Facebook group for agents + Active discussions with real estate agents across the country

+ Live updates on industry news + Invites to exclusive agent webinars, mentorship programs and training opportunities

Join us at facebook.com/groups/agentadvantageinsider Agents shall be financially responsible for their pro rata share of marketing and event costs.

For agent presentation only

SPONSORING BROKER OPENS

Get more agents to view your listings. + We offer a concierge service that sets your broker opens apart from the competition

+ Our team can arrange delivery and set up, with great lunch options from preferred caterers

+ Our team will be there to answer any mortgage questions that come up

Agents shall be financially responsible for their pro rata share of marketing and event costs.

For agent presentation only

HAVING FUN

We know how to throw a party. + Our events team can help set up

co-hosted happy hours, customer appreciation parties, agent networking events and more

+ We can come up with the ideas and

handle all the details—all you have to do is show up

+ If you cannot gather in person our team

also has many virtual event ideas, amazing online entertainers, and ways to ensure your guests still have a great time

Agents shall be financially responsible for their pro rata share of marketing and event costs.

For agent presentation only

LET’S PARTNER TOGETHER

We’re here to help you grow your business + Lead generation: Our lead capture apps and co-branded sites make lead generation a breeze

+ Loan Status Monitor: Real-time status updates on the loan milestones you care about

+ Co-branded marketing: Marketing materials to help you stand out amongst the crowd

+ Coaching videos: Top agents

from across the nation share their secrets to success

Sign up at agents.properrate.com

For agent presentation only

Proper Rate, LLC; NMLS #1901699; For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply • AZ: One South Church Ave, Suite 1200, Office 1248, Tucson, Arizona 85701, Mortgage Banker License #1010230 • CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act • CO: Regulated by the Division of Real Estate, 866-755-0679 • OH: MB 804550, 1800 W. Larchmont Ave., Suite 301, Chicago, IL 60613 • TX: 1800 W. Larchmont Ave., Suite 301, Chicago, IL 60613, 866-755-0679 (20210827-517512)