GRA Happy Book

Guaranteed Rate Affinity The best mortgage lender in the country to grow your business and have a great quality of life.

A Powerful Brand

Guaranteed Rate Affinity has strong momentum. + GRA is a partnership created between Realogy and Guaranteed Rate in 2017

+ Currently has 1,500+ employees + 350+ offices across the country + We have a relationship with the TRG family of companies

+ We have a relationship with insurance

companies including Guaranteed Rate Insurance and Realogy Insurance Agency

+ Official naming rights of the Chicago

White Sox stadium, Guaranteed Rate Field

+ Major sports sponsorship deals that earn hundreds of millions of impressions

t

Nationally Recognized

Growth from Teamwork

(never satisfied)

Mortgage Professional America:

+

Top Online Mortgage Lenders and Top Lenders for Refinancing

Forbes:

+

Advisor’s Best Mortgage Lenders of 2021

NerdWallet Best Mortgage Lender Awards1:

+ + + +

Best Mortgage Lender for Refinancing Best Mortgage Lender for Online Loans Best Mortgage Lender for VA Loans Best Conventional Mortgage Lender

HousingWire Award:

+

HW Tech 100 Mortgage Award

U.S. News & World Report Best Rankings1:

+ +

Best Home Improvement Loans Best Online Mortgage Experience

Crain’s Chicago Honoree2:

+

Notable Businesses Championing Diversity Our Parent Company, Guaranteed Rate, Inc., has earned these honors 1- NerdWallet Best Mortgage Lender Awards 2- U.S. News & World Report Best Rankings 3- Source: https://www.chicagobusiness.com/awards/crains-2020-notable-lgbtq-executives-and-businesses-championing-diversity-and-inclusion

Total Loan Volume 2000-2021* *Total Loan Volume for Guaranteed Rate Companies

Better Together The #1 residential real estate company in the world.

The power of this partnership will make everybody look good. + Realogy, the leading residential real estate company in the world, partnered with Guaranteed Rate Inc. to form Guaranteed Rate Affinity

+ 79% of consumers believe one-stop shopping makes the process more efficient and manageable*

*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.

Source: Guaranteed Rate Companies internal production reports.

CEO Mindset

SM

The Guaranteed Rate Affinity Philosophy

Proactive POD Frees you up to be a rainmaker

Pricing Flexibility to win in your market

Dynamic Marketing

Business Development

Helping you build your brand

Building powerful partnerships

Be a Rainmaker

Having a positive mindset is the key to achieving explosive growth.

Now is the time to transform yourself into a CEO originator. Delegate the busywork to your team and focus on what only you can do: selling, marketing and building partnerships.

Automatic Marketing Your contacts are everything. Transform your network into your sales force. Ignite your database to not only use you again and again, but also refer you to all their friends and family. At Guaranteed Rate Affinity we have the best-practice model to constantly stay in front of your network in multiple ways—without having to do all the work yourself.

Automatic Marketing

Let us do everything for you (and make your life easier)

Postcards

Show up in their mailbox 24 times per year with two monthly content series:

Everybody likes to check their mail.

+

An inspiring postcard that shows the power of belief and overcoming any obstacles.

+

A more hard-hitting sales piece that features a product or service like Mortgage Reviews, VA Loans, Renovation Loans and more

Automatic Marketing

Email Stay top of mind.

Constantly.

Consistently.

Considerately.

Let us do everything for you (and make your life easier)

+

Automatically send two emails a month which reinforce the postcards as well as give you trackable data

+

In addition, opt to send your customers and partners loyalty-building automated campaigns: Happy Birthday, Happy Loan Anniversary, Pre-Approval Journey, Thank You Post-Closing and more

Automatic Marketing

Social Media Consistently show up in your network’s newsfeed.

Let us do everything for you (and make your life easier)

+

Sign up for GRA Social, and 12–15 posts per month that are engaging and relevant will be posted to your Facebook, Twitter and LinkedIn by our Social Media Team

+

Learn useful tips and tricks to help grow your own social accounts

+

Generate conversation and leads with the help of our social media experts

Red Arrow Connect

Our optimized CRM and marketing platform makes it simple to reach out to your contacts and leads. + Our centralized customer relationship management system, RAC, takes the thought process out of managing your database

+ Email functionality including auto campaigns, drip campaigns, personalized video emails and one-off emails

+ Journeys nurture leads throughout the sales funnel by

automatically grouping contacts, email marketing and task reminders for follow-up

+ Instant branded marketing with an expansive library of print, web and social media marketing for single-branded and co-branded collateral

+ System integration with BombBomb, Zillow, Outlook, Facebook, Twitter and LinkedIn

Macaw appraisal waiver eligibility requirements vary by investor and state and may be subject to additional restrictions.

Subject property must not have or be required to obtain an appraisal by law. Cash-out refinance’s, property values over $1M, manufactured homes, coops and others are not eligible for approval. Please contact your Guaranteed Rate Loan Officer for full list of ineligible loan types. Applicant subject to credit and underwriting approval. Not all properties will be approved for Macaw appraisal waiver. Not all applicants will be approved for financing. Contact Guaranteed Rate for more information and current rates. Any finding provided through API is a preliminary finding. Final appraisal waiver eligibility shall be provided once a mortgage application is submitted to a Loan Product Advisor.

MonitorBase

Our unique tech monitors customers’ credit for highly actionable trigger leads. + No closed loan, SSN, or other PII required—just a name, address, and phone or email

Four Alert Types: 1. Credit Pull 2. MLS Status 3. Predictive Analytics 4. FICO Improvement

Macaw appraisal waiver eligibility requirements vary by investor and state and may be subject to additional restrictions.

Subject property must not have or be required to obtain an appraisal by law. Cash-out refinance’s, property values over $1M, manufactured homes, coops and others are not eligible for approval. Please contact your Guaranteed Rate Loan Officer for full list of ineligible loan types. Applicant subject to credit and underwriting approval. Not all properties will be approved for Macaw appraisal waiver. Not all applicants will be approved for financing. Contact Guaranteed Rate for more information and current rates. Any finding provided through API is a preliminary finding. Final appraisal waiver eligibility shall be provided once a mortgage application is submitted to a Loan Product Advisor.

Refi Opportunities

Refinance target reports let you know when it’s time to help past customers refinance. + Refi Opportunities in RAC notifies you of the number of targets available every morning

+ Automatically identify the “no-brainer” opportunities in your database based on current pricing, ARM adjustments, and other customizable criteria

+ Run up to 10 different filters at any time and customize scenarios to meet your goals

+ You can create your own filters or use pre-loaded filters in RAC

+ Once you’ve identified your eligible customers, contact those targets using the pre-loaded Refi Opportunities email templates in RAC

Macaw appraisal waiver eligibility requirements vary by investor and state and may be subject to additional restrictions.

Subject property must not have or be required to obtain an appraisal by law. Cash-out refinance’s, property values over $1M, manufactured homes, coops and others are not eligible for approval. Please contact your Guaranteed Rate Loan Officer for full list of ineligible loan types. Applicant subject to credit and underwriting approval. Not all properties will be approved for Macaw appraisal waiver. Not all applicants will be approved for financing. Contact Guaranteed Rate for more information and current rates. Any finding provided through API is a preliminary finding. Final appraisal waiver eligibility shall be provided once a mortgage application is submitted to a Loan Product Advisor.

Brand Blitz

Create a buzz in your local market and get your brand out there! + Have branded items on hand for every situation:

Charging stations, dog bowls outside restaurants and water bottles for showings, closings and open houses

+ Advertise via billboards, newspaper ads, flyers in windows, school programs

+ Sponsor local events with Guaranteed Rate Affinity tents and banners

+ Our online promo store, Guaranteed Goods, offers

promotional items including everything from pens and stress balls to brand name merchandise in our “lux” product line

• Preferential pricing is negotiated with vendors, and the cost savings are passed on to you

Macaw appraisal waiver eligibility requirements vary by investor and state and may be subject to additional restrictions.

Subject property must not have or be required to obtain an appraisal by law. Cash-out refinance’s, property values over $1M, manufactured homes, coops and others are not eligible for approval. Please contact your Guaranteed Rate Loan Officer for full list of ineligible loan types. Applicant subject to credit and underwriting approval. Not all properties will be approved for Macaw appraisal waiver. Not all applicants will be approved for financing. Contact Guaranteed Rate for more information and current rates. Any finding provided through API is a preliminary finding. Final appraisal waiver eligibility shall be provided once a mortgage application is submitted to a Loan Product Advisor.

VP Webpages

Make it easy for customers to locate you, see your information and testimonials, and apply. + Your custom webpage includes your contact info, bio,

testimonials, Digital Mortgage application, loan products and pricing specific to you

+ After your customer visits your VP page once, the entire Rate.com experience is customized to ensure that they always return to you

+ Your website is optimized to receive organic leads directly

for you, so you can build your brand and grow your business

Macaw appraisal waiver eligibility requirements vary by investor and state and may be subject to additional restrictions.

Subject property must not have or be required to obtain an appraisal by law. Cash-out refinance’s, property values over $1M, manufactured homes, coops and others are not eligible for approval. Please contact your Guaranteed Rate Loan Officer for full list of ineligible loan types. Applicant subject to credit and underwriting approval. Not all properties will be approved for Macaw appraisal waiver. Not all applicants will be approved for financing. Contact Guaranteed Rate for more information and current rates. Any finding provided through API is a preliminary finding. Final appraisal waiver eligibility shall be provided once a mortgage application is submitted to a Loan Product Advisor.

Digital Retargeting

Personalized retargeting ad campaigns keep you top of mind with your hottest prospects and help build your brand online. + Site visitors who are retargeted with display ads are 70% more likely to convert

+ Guaranteed Rate Affinity marketing can leverage Adwerx to serve each of your website visitors retargeting ads up to 15 times

+ Audiences are retargeted based on contact lists and geofencing in addition to webpage visitors

Macaw appraisal waiver eligibility requirements vary by investor and state and may be subject to additional restrictions.

Subject property must not have or be required to obtain an appraisal by law. Cash-out refinance’s, property values over $1M, manufactured homes, coops and others are not eligible for approval. Please contact your Guaranteed Rate Loan Officer for full list of ineligible loan types. Applicant subject to credit and underwriting approval. Not all properties will be approved for Macaw appraisal waiver. Not all applicants will be approved for financing. Contact Guaranteed Rate for more information and current rates. Any finding provided through API is a preliminary finding. Final appraisal waiver eligibility 70% Converstion data source: Kenshoo.com https://kenshoo.com/blog/retargeting-stats/ shall be provided once a mortgage application is submitted to a Loan Product Advisor.

Building Partnerships

The best way to grow your referral partner business begins with selecting the right agents. Once you’ve selected the right agents, meet them face-to-face and demonstrate the real benefit you can provide to them. That’s how to build a value-based relationship that allows both of your businesses to grow.

Building Partnerships

We make it easy for you to be a rainmaker

Silver Swan

+

This amazing tool helps you identify the top agents in your market.

Silver Swan is our proprietary technology that enables you to uncover and categorize every agent in the market

+

Recruit the agents you aren’t working with and who would fit you best

+

Focus on the top 20% of agents who do 80% of the business in your market

Building Partnerships

Event Planning Work can be fun if you’re working with the right agents.

We make it easy for you to be a rainmaker

+

Our in-house Events Team handles all the details

+

From selecting the venue and choosing the type of event to creating and sending invitations, the team has you covered from start to finish

+

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

+

The key is to throw events with a comfortable feel so that your guests feel welcome and actually have fun

+

All you have to do is show up and follow up

Building Partnerships

Biz Dev Team Let us make the calls for you.

+ +

We make it easy for you to be a rainmaker

Our Business Development Managers do the recruiting activities that you don’t want to do, like cold calling agents If an agent you have selected doesn’t attend the event, then the Biz Dev Team will invite them to coffee or lunch for you

+

An average of 50 calls are made for each VP per day*

+

Your attention can be devoted to building the relationship, rather than on the little tasks

*limited spots available

Product Name Agent Advantage

Demonstrate Aenean eu leothe quam. tangible Pellentesque benefits ornare of how sem you lacinia canquam help agents close more deals. + Etiam porta sem malesuada magna mollis Cras mattis consectetur purus + euismod.

Build a true partnership based on realsit amet fermentum.

value by using our Agent Advantage • Etiam porta sem mollis binder with over 30malesuada pages of magna ways we mattis consectetur purus sit caneuismod. support Cras agents amet fermentum.

+ Show them how you can help them look + Etiam porta sem malesuada magna mollis. good to their customers

+ Etiam porta sem malesuada magna mollis + Set the stage for building a partnership euismod.

Cras mattis consectetur purus sit that amet fermentum. grows together

• +

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Your Customer Experience

The perfect combination of technology and human touch

95%

of our customers would refer us to their friends and families.

95% Customer Satisfaction: Data Source: Guaranteed Rate Affinity’s Client Satisfaction Surveys (Averaged from Jan 2021 – Dec 2021

Mortgage Calculators

When borrowers know their price range, you know you won’t waste time. + By putting buyers in the driver seat, we

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

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

Sample scenario provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Guaranteed Rate Affinity cannot predict where rates will be in the future. Sample down payment, rates, and APR are provided for illustration purposes only and are not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.

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 simplifies tax-return income for faster and more accurate income analysis

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

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing.

Our parent company, Guaranteed Rate, Inc. received NerdWallet Best Mortgage Lender Awards for 2021 and 2019

Best Mortgage Lender for Online Loans Best Mortgage Lender for Refinancing, Best Mortgage Lender for VA Loans, Best Conventional Mortgage Lender

Red Arrow Approval Express

Buyers can get full underwriting approval before they even start looking for a home. + Reviewed by me and an underwriter and

can be completed in as little as four hours

+ Receive a full commitment letter + Position your client as a cash buyer, giving you great negotiating power

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

Toto

Our mobile tech lets me update your pre-approvals anywhere, in seconds. + Never worry about getting your buyers’ pre-approval letters updated

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

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

FlashClose

SM

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

+ Eligible borrowers can use FlashClose E-Close* to complete a fully digital, paperless closing—no need to meet with a notary in person, the closing is completed entirely online*

*FlashClose E-Close is not currently eligible in California, Connecticut, Delaware, Georgia, Maine, Massachusetts, Mississippi, New York, North Carolina, Rhode Island, South Carolina, Vermont, and West Virginia.

Not eligible for all loan types or investors. Conventional loans only. Eligible for 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, contact Guaranteed Rate Affinity for current rates and for more information.

HELPING YOU GROW YOUR BUSINESS

MonitorBase

Technology that knows when 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

Agent Advantage

Leverage our agentexclusive website to scale your business. + Coaching Videos: Best-of-the-best agents share the secrets of their success

+ Loan Status Monitor gives you total visibility on all your deals

+ Elevate your marketing with our

proprietary customer relationship management platform

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

Red Arrow Connect

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 approved source

+ Deploy an omni-channel marketing

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

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

Appraisal required for eligibility and subject to conditions.

ClipBoard

Turn every cool prospect into a warm lead. + 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

ListHome

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

ClientDrip

“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

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

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

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

+ Custom layout and color options

OPEN HOUSE 162 PINE GLADES DR JACKSON, WY 83001 LISTED AT $3,250,000 This cutting edge development is a unique combination of location, convenience, quality and ease of access which represent an unprecedented value in Jackson Hole. This townhouse offers functional floor plans, mountain contemporary finishes and a private setting in a mature conifer forest on Snow King Mountain with stunning Teton and valley views. Through the vision of the project developer, the Pine Canyon town homes have been designed and built with utmost attention to detail and maxi-mum sensitivity to the natural setting found anywhere in the valley. Hardwood floors, pental quartz countertops and cabinetry with integrated appliances are just a few of the touches that contribute to the refined elegance that is Pine Canyon.

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 Guaranteed Rate Affinity for more information and up to date rates.

John Smith

$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 Guaranteed Rate Affinity for more information and up to date rates.

Jane Doe

Senior VP of Mortgage Lending

Real Estate Agent

O: (999) 999-9999 C: (999) 999-9999

O: (999) 999-9999 C: (999) 999-9999

grarate.com/johnsmith

samplerealty.com/janedoe

john.smith@grarate.com

jane.doe@samplerealty.com

1234 Address Ave Chicago, IL 60601

Sample scenario provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Guaranteed Rate Affinity cannot predict where rates will be in the future. Agents shall be financially responsible for their pro rata share of marketing and event costs.

4.250% (APR 4.336%)2

Rate/APR

1234 Address Ave Chicago, IL 60601

NMLS ID:856043, LO#: AZ - 0919996 - 0907078 NMLS ID # 1598647 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • AL - Lic# 22374 • AK - Lic# AK1598647 • AR - Lic# 111284 - Guaranteed Rate Affinity, LLC 1800 W Larchmont Ave, Chicago IL 60613 773-516-6900 • AZ - Guaranteed Rate Affinity, LLC - 7221 E Princess Blvd, Ste 117, Scottsdale, AZ 85255 Mortgage Banker License # 0941440 • CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #41DBO-68350 • CO - Guaranteed Rate Affinity, LLC. Regulated by the Division of Real Estate, 773-516-6900 #993028 • CT - Lic # ML-1598647 • DE - Lic # 023968 • DC - Lic # MLB1598647 • FL - Lic# MLD1480 • GA - Residential Mortgage Licensee # 55791 - 1800 W Larchmont Ave., Chicago, IL 60613 • IL - Residential Mortgage Licensee - IDFPR, 1800 W Larchmont Ave., Chicago, IL 60613 #MB.6761236 • IN - Lic #34245 • IA - Lic #2017-0035 • KS - Licensed Mortgage Company & Supervised Lender - Guaranteed Rate Affinity, LLC - License #MC.0025481 & SL.0026639 • KY - Mortgage Company Lic # MC386524 • LA – Licensed • ME - Lic #1598647 • MD - Lic #22715 • MA - Guaranteed Rate Affinity, LLC - Mortgage Lender & Mortgage Broker Lic #MC1598647 • MI - Lic

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

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

Custom Prints

Tailor-made marketing collateral to suit any situation. + We offer a variety of customizable

flyers to get buyers more comfortable with the process

Materials Include + Product flyers + Buyer education + Helpful hints

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

GRate Life Website

GRate Life provides consumer-facing lifestyle content that is easy to access and share. + GRate Life is optimized for mobile and all social media so that you can easily share stories with your followers

+ Categories include tasty recipes that are

printable, travel ideas, and helpful personal finance articles

+ The home page updates every time you visit so there is always something fresh to discover

+ You and your agent partners can subscribe so that you are alerted every time there is new material

+ Available on GRatelife.Rate.com

TM

Sponsor 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

+ My 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.

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

YOU’RE INVITED TO CELEBRATE

Join VP NAME of Guaranteed Rate Affinity to celebrate Cinco de Mayo and a great rest of 2019! Enjoy food, refreshments and good conversation. Hope to see you there!

COLDWELL BANKER OFFICE MONDAY, MAY 6TH, 2019 NOON - 2:00PM 123 2ND AVENUE | CHICAGO, IL 60613

I’m looking forward to talking business and showing you our latest, greatest marketing material!

First Andlast VP of Mortgage Lending 3940 N Ravenswood Ave Chicago, IL 60613

Let’s get started O: (917) 757-6633 C: (917) 757-6633 GRArate.com/johnsmith john.smith@grarate.com

NMLS ID:856043 Guaranteed Rate Affinity, LLC is a registered trademark of Guaranteed Rate, Inc., used under license. Guaranteed Rate Affinity, LLC is a subsidiary of Guaranteed Rate, Inc. NMLS ID # 1598647 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) •

+ 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 NMLS ID: 1598647 We’re looking forward to talking business and showing you our latest, greatest marketing material!

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

What is the Proactive POD?

A best-practice platform built to provide you, your customer and referral partners the easiest and most efficient way to close loans—utilizing state-of-the-art technology, a smart workflow process and best-of-the-best employees who are compensated for both speed and quality. Managed correctly by you, the Vice President of Mortgage Lending, our model will enable you to exponentially grow your business.

VP of Mortgage Lending Delegates and audits using GRA Technology

Application

Processing

Underwriting

Approval

Closing

Proactive POD Production Manager Holistically manages pipeline

Mortgage Consultant Submits files

Underwriter

Loan Coordinator

24 hour turn times

Gets approval

Happy Path

SM

Digital Mortgage

Digital Validation

Transfersafe

FlashClose

Happy Path

SM

Streamlines the customer experience

Digital Mortgage

Transfersafe

Online loan application

Secure document portal and automation tools

+

Credit pulls from three bureaus

+

Automated disclosures

+

Fannie Mae & Freddie Mac automated underwriting engine for approval

+

Automated income analysis

+

Automated pay stubs and W-2s

+

Automated bank statements

Sample down payment, rates, and APR are provided for illustration purposes only and are not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.

Happy Path

SM

Streamlines the customer experience

Best Online Mortgage Lender

Digital Mortgage Takes as few as 15 minutes.

+

Customers price their own loan, select their preferred product, complete the loan application, and run automated underwriting—providing a complete 1003

+

Customers receive credit scores from three bureaus and a real-time approval letter

+

You spend less time entering customer data fields and provide faster approvals

Our parent company, Guaranteed Rate, Inc. received NerdWallet Best Online Mortgage Lender 2021 Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Restrictions may apply.

Happy Path

SM

Streamlines the customer experience

Transfersafe A secure document portal that’s friendly and easy to use.

+

Customers can upload their documents from their computers or phones, and everything is collected in one safe, easy-to-access place

+

The personalized to-do list guides next steps and necessary loan conditions

+

Identifying and requesting additional docs from the customer is quick and efficient for your team

+

Timely status and progress updates keep customers engaged and focused on completing their tasks

Happy Path

SM

Streamlines the customer experience

Automation Tools

Make things easier for both your team and your customers.

AccountChek

The WorkNumber AutoApp & e-Sign

LoanBeam

Automated bank statement gathering and updating make asset verification as easy as possible

Automated income integration eliminates the need to collect paystubs and W-2s

Automated tax return and income calculations, as well as identification of missing data, save hours

Automated disclosures facilitate faster delivery and document signatures

+

Customers can upload their documents from their computers or phones, and everything is collected in one safe, easy-to-access place

+

The personalized to-do list guides next steps and necessary loan conditions

+

Identifying and requesting additional from the is quick and efficient Elevates thecustomer loan officer experience Proactive POD docs for your team

+

Clean communication on progress and status updates keep customers engaged and focused on completing their tasks

YBR

Your loan command center.

+

Our real-time automated pipeline management tool enables efficiency and facilitates POD communication

+

The Loan Profile view shows you key loan details, color-coded status boxes and actionable contact information

+

Curated, role-specific work queues and dashboards organize workload and prioritize files that require immediate action based on proven prioritization logic

+

Task lists, including underwriting conditions, allow for full transparency of tasks completed—no more printing stacks of checklists

+

Performance monitoring metrics based on time-to-task give you the ability to assess your team’s efficiency and drive down closing times

Proactive POD

Dedicated Team The POD is your team.

Elevates the loan officer experience

Vice President

Production Manager

Processing Team

Underwriting and Closing

Spend 80% of your time on rainmaking activities and 20% leading the team

The Production Manager handles 90% of processing issues for the VP

Specialized processing roles (MC & LC) allow individuals to master their jobs. All compensation is based on both speed and quality

Regional experts support you based on your geography, providing you a concierge-level of service

Proactive POD

Vice President

Elevates the loan officer experience

Roles and Responsibilities

Key Tools and Processes

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Originates loans, sets up the file, and prices and places with investor

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Gets out of day-to-day loan activities and focuses on $500 / hr vs. $40 / hr jobs

Toto: Our mobile tech fully enables you to manage your pipeline and edit pre-approvals

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Reviews and signs closing transmittal, reviews the CD with borrower and asks for referrals

Loan Summary lets borrowers compare multiple loan options

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Loan Status Monitor provides real-time status updates for you

Proactive POD

Production Manager

Elevates the loan officer experience

Roles and Responsibilities

Key Tools and Processes

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Manages the VP’s pipeline to make sure every loan is hitting all milestones

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Ensures transparency and proactive communication across all POD members, and between POD and customers

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Coaches team to leverage tech and tools and improve performance

YBR: Your team can view, search, sort and filter loan details with our proprietary pipeline management tool

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Loans outside of time-to-task are highlighted to pro-actively identify issues

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Features integrated chat and dynamic, collaborative checklists

Proactive POD

Mortgage Consultant

Elevates the loan officer experience

Roles and Responsibilities

Key Tools and Processes

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Orders appraisal, if needed

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Requests condo project docs

Appraisal Fee tool and the Property Inspection Waiver

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Sends app and makes sure it gets signed

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CondoPak eliminates chasing condo docs

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Places 3rd-party orders

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Docusign and Smart Fees tool

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Requests and reviews supporting docs

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One-Click automatically imports fees by clicking a button in Encompass

Prepares file and submits to UW

Proactive POD

Elevates the loan officer experience

Underwriting

Roles and Responsibilities

Key Tools and Processes

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Underwriting consists of three specialty groups: Conventional, Government and Jumbo

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Dedicated teams increase quality and efficiency and provide unparalleled customer service and product knowledge

The Credit Concierge Department offers dedicated support for VPs on scenario questions, guideline clarification and upfront exceptions

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24-hour turn times

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The Training Department provides underwriters ongoing development

Proactive POD

Loan Coordinator

Elevates the loan officer experience

Roles and Responsibilities

Key Tools and Processes

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Requests and reviews conditions

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Clears conditions

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Condo / Co-op Database allows faster determination for approvals and document collection

Verifies cash to close figures and source of funds

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Prepares Closing Disclosure

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Submits clear file to the Closing Department

CD Xchange is our collaborative solution for closing agents to work with the LC to create and finalize an accurate Closing Disclosure

Proactive POD

Elevates the loan officer experience

FlashCloseSM *FlashClose E-Close is not currently eligible in California, Connecticut, Delaware, Georgia, Maine, Massachusetts, Mississippi, New York, North Carolina, Rhode Island, South Carolina, Vermont, and West Virginia.

Not eligible for all loan types or investors. Conventional loans only.

Eligible for 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, contact Guaranteed Rate Affinity for current rates and for more information.

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Closing funds are sent the day before every purchase so no one is left waiting for a wire

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The closing package is sent the day before, and Guaranteed Rate Affinity Closers make a personal call to the title company closer or attorney to ensure they have everything they need

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FlashClose allows customers to review their closing package and digitally sign their docs in advance of closing

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Reduces anxiety, gives customers peace of mind and saves everybody time at the closing

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Eligible borrowers can use FlashClose E-Close* to complete a fully digital, paperless closing—no need to meet with a notary in person, the closing is completed entirely online

Specialty Teams

In-house experts who turn lemons into lemonade. + Panel of local appraisers who know your market

+ Builders and Renovation Department with 50 in-house Renovation Specialists

+ Condo Department + Integrated title and insurance companies

Competitive Lending Options

The flexibility to choose your pricing so you can win in your market.

Multi-Lender Platform + Direct lender to Fannie, Freddie and Ginnie + Proprietary credit and condo variances Jumbo loan experts + 15+ jumbo investors + 10+ jumbo loans delegated in-house + We have our own jumbo products + Non-QM investors Awesome lock options + Extended locks + Flexible extension options + Expansive investor rate renegotiation policies + Weekend locking and overnight rate protection

Belief Manifesto

Every dream come true started with the same, simple thing.

Belief. The belief that the dream isn’t just imaginable... it’s possible. Yes, there will be roadblocks. But belief will help you navigate around them. There will be setbacks. Belief will help you regroup. There will be doubters. Belief will help you ignore them. There will be critics. Belief will help you prove them wrong. There will be negativity in your own thoughts.

Belief will overwhelm them with positivity. There may be an army of forces arrayed against your dream. But belief... is a force unto itself.

Core Values Headline Here

We live our values every day, professionally and personally. + We grow for good. + We put the customer first. + We work with the best of the best. + We think big. + We have grit. + We have an owner’s mentality. + We take decisive action. + We demand excellence. + We hold ourselves and others accountable. + We give a sh!t.

Calls You Can’t Miss

Ongoing opportunities and resources to help you build your business as fast as humanly possible. + Pulse Calls: Recurring calls hosted by Victor

Ciardelli where the executive team provides tools to help you leap-frog your competition

+ President’s Club Calls: Regular opportunities for you to provide honest and transparent feedback on how we can serve you better

GROW

Fighting unconscious bias with a conscious collaboration. + The Guaranteed Rate Organization of

Women (GROW) was created to support the growth of every woman in the company, while pushing change in our industry

GROW offers: + Dedicated monthly calls with industry

leaders—get tips and advice from experts to better yourself and your career

+ Annual GROW conference with guest speakers and workshops

+ Exclusive GROW meetings at President’s Club trips

+ Mentorship program with leaders in the company

Diversity & Inclusion

We’re a little different.

We’re committed to representing the communities in which we live and work as well as have a goal of being the go-to lender for all communities. Here are just a few ways we are working towards this goal: +

Fostering inclusion company-wide through the implementation of employee-resource groups:

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LEAD (Leadership, Equality & Development)

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GROW (Guaranteed Rate Organization of Women)

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PROUD (Our LGBTQIA+ leadership team)

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Investing in executive leadership with the hiring of a National Diverse Segments Director

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Supporting Hispanic loan officers and their customers with bilingual operations staff who assist with the mortgage process from application to closing

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Expanding our Spanish-language marketing library, giving Hispanic loan officers more opportunities to market to referral partners and customers

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Partnering with nonprofits and trade organizations, such as NAHREP and NAMMBA, to better service communities of color and be more involved at a local level

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Providing entry-level experience and career training through our one-of-a-kind excelRate and GR University programs

Incentive Trips Headline Here

Our Top VPs celebrate at five-star resorts around the world.

PAST DESTINATIONS HAVE INCLUDED: President’s Club:

+ 2020 and 2021: Riviera Maya, Mexico + 2019: Nassau, Bahamas + 2018: Punta Cana, Dominican Republic

Giving Back Headline Here Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum. Integer posuere erat a ante venenatis dapibus posuere velit aliquet. Fusce dapibus, tellus ac cursus commodo, tortor mauris condimentum nibh, ut fermentum massa justo sit amet risus. Vivamus sagittis lacus vel augue laoreet rutrum faucibus dolor auctor. Donec sed odio dui.

We rally together in all our communities across the country. + Give Back Challenge

+ Annual drives: More than one million meals donated

• • •

Clothing and toy Drives: $3.3 million raised Food drives: $4 million raised Mask drives: 50,000 KN95 masks donated

+ Collecting and donating food and clothing in the aftermath of disasters

+ Volunteer days to clean up parks, beaches and rivers

+ Serving on boards and commissions of local agencies and nonprofits

GR Foundation Headline Here Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum. Integer posuere erat a ante venenatis dapibus posuere velit aliquet. Fusce dapibus, tellus ac cursus commodo, tortor mauris condimentum nibh, ut fermentum massa justo sit amet risus. Vivamus sagittis lacus vel augue laoreet faucibus dolor auctor. Donec sed odio dui. + Since 2012, overrutrum $4.6 million has helped

Making a direct impact in people’s lives, when they need it most. more than 1,500 individuals across the country

+ We granted $1.8 million in aid in 2021 + The average recipient receives $18,263

in forms of grants for rent, car payments, groceries or additional assistance

+ 100% of Foundation costs are covered

by Guaranteed Rate, so every penny donated helps those who need it most

The Guaranteed Rate Foundation is a non-profit charitable organization pursuant to Section 501(c)(3) of the United States Internal Revenue Code. Our Federal Tax ID # is 45- 4204135. Your donation to the Guaranteed Rate Foundation may qualify for an income tax deduction in accordance with Federal and/or State income tax laws.

Please consult with your tax advisor to determine whether your donation is tax deductible in whole or in part.

Nothing in this communication is intended to constitute legal or tax advice. No goods or services were forwarded or offered in exchange for this contribution. 1800 W Larchmont Ave, STE 2, Chicago, IL 60613.

GR Vibe

We’re a little different.

We believe that both the way we approach the work and the way we work together are what have led to the phenomenal growth of our business. + #GRVibe + Milestone celebrations + National Operations Day + Free turkeys for Thanksgiving + Daily Positivity emails

Transition Plan

We make sure you have a soft landing so that you can hit the ground running. + Customized Business Transition Plan • Startup kit • Training on technology and tools + Your loans keep moving • Pipeline meetings begin right away • A Consulting VP handles licensing activities + Dynamic Marketing • We create your new marketing collateral • Your Account Manager helps manage your database • The Events Team sets up your first events • The Social Media Team begins posting for you

Macaw appraisal waiver eligibility requirements vary by investor and state and may be subject to additional restrictions.

Subject property must not have or be required to obtain an appraisal by law. Cash-out refinance’s, property values over $1M, manufactured homes, coops and others are not eligible for approval. Please contact your Guaranteed Rate Loan Officer for full list of ineligible loan types. Applicant subject to credit and underwriting approval. Not all properties will be approved for Macaw appraisal waiver. Not all applicants will be approved for financing. Contact Guaranteed Rate for more information and current rates. Any finding provided through API is a preliminary finding. Final appraisal waiver eligibility shall be provided once a mortgage application is submitted to a Loan Product Advisor.

Macaw appraisal waiver eligibility requirements vary by investor and state and may be subject to additional restrictions.

Subject property must not have or be required to obtain an appraisal by law. Cash-out refinance’s, property values over $1M, manufactured homes, coops and others are not eligible for approval. Please contact your Guaranteed Rate Loan Officer for full list of ineligible loan types. Applicant subject to credit and underwriting approval. Not all properties will be approved for Macaw appraisal waiver. Not all applicants will be approved for financing. Contact Guaranteed Rate for more information and current rates. Any finding provided through API is a preliminary finding. Final appraisal waiver eligibility shall be provided once a mortgage application is submitted to a Loan Product Advisor.

Guaranteed Rate Affinity, LLC. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation,gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.

NMLS ID # 1598647 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • AL - Lic# 22374 • AK - Lic# AK1598647 • AR - Lic# 111284 - Guaranteed Rate Affinity, LLC 1800 W Larchmont Ave, Chicago IL 60613 773-516-6900 • AZ - Guaranteed Rate Affinity, LLC - 7221 E Princess Blvd, Ste 117, Scottsdale, AZ 85255 Mortgage Banker License # 0941440 • CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #41DBO-68350 • CO - Guaranteed Rate Affinity, LLC. Regulated by the Division of Real Estate, 773-516-6900 #993028 • CT - Lic # ML-1598647 • DE - Lic # 023968 • DC - Lic # MLB1598647 • FL - Lic# MLD1480 • GA - Residential Mortgage Licensee # 55791 - 1800 W Larchmont Ave., Chicago, IL 60613 • IL - Residential Mortgage Licensee - IDFPR, 1800 W Larchmont Ave., Chicago, IL 60613 #MB.6761236 • IN - Lic #34245 • IA - Lic #2017-0035 • KS - Licensed Mortgage Company & Supervised Lender - Guaranteed Rate Affinity, LLC - License #MC.0025481 & SL.0026639 • KY - Mortgage Company Lic # MC386524 • LA – Licensed • ME - Lic #1598647 • MD - Lic #22715 • MA - Guaranteed Rate Affinity, LLC Mortgage Lender & Mortgage Broker Lic #MC1598647 • MI - Lic #FR0020883 & SR0020884 • MN - Lic #MN-MO-1598647 • MO - Lic #18-2357 • MS - Guaranteed Rate Affinity, LLC 1800 W Larchmont Ave, Chicago, IL 60613 - Mississippi Licensed Mortgage Company, Lic # 1598647 • MT - Lic# 1598647 • NJ - Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance • NE - Guaranteed Rate Affinity, LLC. Regulated by the Nebraska Department of Banking and Finance, 773-516-6900 • NH - Guaranteed Rate Affinity, LLC, licensed by the New Hampshire Banking Department - Lic #21635-MB • NM - Guaranteed Rate Affinity, LLC. Regulated by the New Mexico Financial Institutions Division, 773-516-6900 • NC - Lic #L-173991 • ND - Lic #MB103116 • OH - Lic # GL.502032.000 & Lic # RM.804260.000 - 1800 W Larchmont Ave., Chicago, IL 60613 • OK - Lic #MB011369 & Lic #ML011370 • OR - Lic #ML-5569 – 1800 W Larchmont Ave, Chicago, IL 60613 • PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #60942 • RI - Guaranteed Rate Affinity, LLC. Regulated by the State of Rhode Island Department of Business Regulation, 773-516-6900 – Lic #20173468LL & 20173469LB • SC - Lic # MLS – 1598647 & MLS 1598647 OTN #1 • SD - Lic# ML.05163 • TN - Lic #134814 • TX - Licensed in TX: Licensed Mortgage Banker - TX Department of Savings & Mortgage Lending • UT - Licensed in UT: Utah-DRE Mortgage Entity License Macaw appraisal waiver eligibility requirements vary by investor and state and may be subject to additional restrictions. #10371701 & Utah-DFI Residential First Mortgage Notification – Utah Department of Financial Institutions • VT - Lic #7021, 7022, 1351 MB & 1352 MB • VA - Guaranteed Rate Affinity, LLC. - Licensed by Virginia Subject property must not have or be required to obtain an appraisal by law. Cash-out refinance’s, property values over $1M, manufactured coops and&others are not eligible for -approval.

Please&contact your Guaranteed Rate Loan State Corporation Commission, License # MC-6753 • WA - Lic #CL-1598647 • WI - Lic #1598647BA & 1598647BR • WV - Lic homes, #ML-35540 MB-35539 • WY Lic#3000 SL-3749 (20220228-725386) Officer for full list of ineligible loan types. Applicant subject to credit and underwriting approval. Not all properties will be approved for Macaw appraisal waiver. Not all applicants will be approved for financing. Contact Guaranteed Rate for more information and current rates. Any finding provided through API is a preliminary finding. Final appraisal waiver eligibility shall be provided once a mortgage application is submitted to a Loan Product Advisor.

Macaw appraisal waiver eligibility requirements vary by investor and state and may be subject to additional restrictions.

Subject property must not have or be required to obtain an appraisal by law. Cash-out refinance’s, property values over $1M, manufactured homes, coops and others are not eligible for approval. Please contact your Guaranteed Rate Loan Officer for full list of ineligible loan types. Applicant subject to credit and underwriting approval. Not all properties will be approved for Macaw appraisal waiver. Not all applicants will be approved for financing. Contact Guaranteed Rate for more information and current rates. Any finding provided through API is a preliminary finding. Final appraisal waiver eligibility shall be provided once a mortgage application is submitted to a Loan Product Advisor.