APG Agent Advantage

AGENTADVANTAGE

A Powerful Brand

Guaranteed Rate Affinity is a strong national brand with great momentum. + GRA is a partnership created between Realogy and Guaranteed Rate in 2017

+ Currently has 1,600+ employees + Over 890 branches across the country and licensed in all 50 states

+ 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

+ Major sports sponsorships across the nation and official naming rights to Chicago White Sox stadium

For agent presentation only

t

Nationally Recognized (and still not satisfied)

+ + + +

Growth from Teamwork

NerdWallet Best Mortgage Lender Awards:

$80B

Best Mortgage Lender for Refinancing

$70B

Best Mortgage Lender for Online Loans

$60B

Best Mortgage Lender for VA Loans Best Conventional Mortgage Lender

$50B

$40B

U.S. News & World Report Best Rankings:

$30B

+ Best Home Improvement Loans + Best Online Mortgage Experience

$20B

$10B

HousingWire Awards:

+ HW Tech100 Mortgage winner

2000

2003

2006

2009

2012

2015

HousingWire award from 2020. NerdWallet awards from 2019 and 2021. US News award from 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

The Altizer Paloucek Group Jon Altizer, CJ Paloucek, Drew Paloucek

+ Jon understands that mortgage lending is not “one size fits all” and works with clients to find the right option for their personal needs. Whether it is a purchase or refinance, we have you covered.

Treating your buyer’s home purchase like the big deal it is.

Email Us: APG@grarate.com Call Us: (630) 320-3990 Apply Online at: GRARate.com/APG

+ Drew is here to support all clients and referral partners. From

the start of the transaction, to the finish line, and beyond—she will make sure everyone’s needs aremet. She is passionate about prompt, detailed and transparent communication to all parties throughout the mortgage process.

+ CJ knows that it is important for all clients to thoroughly

understand the mortgage process. She makes sure that every client has written examples outlining monthly payments and cash to close. She wants to explain the various mortgage products available that may fit their needs and debunk any misinformation that a client may have.

90%+

NPS SCORE OF 2021

Available 8am to 8pm CST 7 days a week • We strive to be 95% voicemail-free• Efficient application process to reduce stress at closing • Underwrite and fund the loan • Full disclosure of competitive interest rates and fees • Fast underwriting and closing capabilities • Committed to consumer advocacy and client education

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*

2019 GROWTH vs PRIOR YEAR

*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

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 - July 2021)

For agent presentation only

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

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.

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

Our parent company, Guaranteed Rate, Inc. received NerdWallet Best Online Mortgage Lender 2019

For agent presentation only

Best Online Mortgage Lender

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

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-in to 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.grarate.com

For agent presentation only

FlashClose

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

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.

For agent presentation only

Helping You Grow Your Business

HELPING YOU GROW YOUR BUSINESS

MonitorBase

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

MyAccount

A secure document portal that’s friendly and easy to use. + Clients 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 client is quick and efficient

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

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

Available at agents.grarate.com Agents shall be financially responsible for their pro rata share of marketing and event costs.

For agent presentation only

Clipboard

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.grarate.com

For agent presentation only

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

Available at agents.grarate.com

For agent presentation only

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

Available at agents.grarate.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.grarate.com Agents shall be financially responsible for their pro rata share of marketing and event costs.

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

+ Custom layout and color options are available

Available at agents.grarate.com Agents shall be financially responsible for their pro rata share of marketing and event costs.

For agent presentation only

123 FIRST STREET CHICAGO, IL 60601

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

Available at agents.grarate.com Agents shall be financially responsible for their pro rata share of marketing and event costs.

For agent presentation only

Custom Prints

Tailor-made marketing collateral to suit any situation. + We offer a variety of co-branded flyers,

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

Materials Include:

+ Product flyers + Buyer education + Helpful hints

Available at agents.grarate.com Agents shall be financially responsible for their pro rata share of marketing and event costs.

For agent presentation only

GRate Life Website

Entertain your clients in style with our lifestyle blog. + Our high-end lifestyle content helps you stay engaged with your clients

+ Sharable content such as tips from Ty

Pennington, tasty recipes, creative food pairings and travel ideas

+ Easy click to share via email and your favorite social media channels

Visit Gratelife.rate.com

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

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

For agent presentation only

v

Marcus Personal Loans

This is huge…

Loans to help sell your listings. + Marcus by Goldman Sachs® is a great

option for customers with personal loans to consolidate debt, providing a service that most non-GR loan officers can’t offer

+ Loans from $3,500 to $40,000, and funds can be received in as few as five days

Debt Consolidation:

+ With a personal loan, your clients can consolidate monthly payments and possibly lower their interest rate

For agent presentation only

Rates range from 6.99% to 19.99% APR, and loan terms range from 36 to 72 months. Only the most creditworthy applicants qualify for the lowest rates and longest loan terms. Rates will generally be higher for longer-term loans. The availability of a loan offer and the terms of your actual offer will vary due to a number of factors, including your loan purpose and Marcus by Goldman Sachs’ evaluation of your creditworthiness.

Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USA. All personal loan products contained in this advertisement are provided by Goldman Sachs Bank USA, Salt Lake City Branch. ©2021 Goldman Sachs Bank USA. All rights reserved. Member FDIC.

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

+ 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.

For agent presentation only

Having Fun

YOU’RE INVITED TO CELEBRATE

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

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

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

For agent presentation only

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

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.grarate.com For agent presentation only

Guaranteed Rate Affinity, LLC cannot guarantee that an applicant will be approved or that a closing can occur within a specific time frame. All dates are estimates and will vary based on all involved parties level of participation at any stage of the loan process. Contact Guaranteed Rate Affinity, LLC for more information. Applicant subject to credit and underwriting approval. Restrictions apply.

60 Iroquois Avenue, Suite 104 Naperville, IL 60563 Jon Altizer NMLS# 283845 | CJ Paloucek NMLS# 279541 | Drew Paloucek NMLS# 1533052 | Guaranteed Rate Affinity NMLS ID: 283845, LO#: IA IA - 30528, IL IL - 031.0027919, IN IN - 35393, MI MI - 283845, TX TX - Licensed, WI WI - 283845 | 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 #1598647; For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply IA - Lic #2017-0035 IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 1800 W Larchmont Ave., Chicago, IL 60613 #MB.6761236 IN - Lic #34245 & #34244 MI - Lic #FR0020883 & SR0020884 WI - Lic #1598647BA & 1598647BR (202101001-710112)