OriginPoint - Best of the Best

i

A simple mortgage experience starts here.

Guaranteed Rate and Compass have partnered to form OriginPoint: A mortgage company that unites the strengths of two digital-first powerhouses to create a seamless experience that results in an easier, faster, transaction for all.

ii

O U R R O OTS

Guaranteed Rate is a national brand with great momentum.

Compass is a real estate company with a purpose: to help everyone find their place in the world.

hird largest retail mortgage lender T in the country More than 15,000 employees ore than 850 branches across the M country and licensed in all 50 states and Washington, D.C. fficial naming rights of the O Chicago White Sox stadium, Guaranteed Rate Field

95%

of customers would refer Guaranteed Rate to their families and friends.

2

#1 independent real estate brokerage in the country 1 As an innovative residential real estate firm, Compass supports a powerful network of agents, who drove $151B+ in gross transaction volume in 2020. With the solutions-driven mindset of a startup and the sophistication of a luxury brand, Compass is defining the future of real estate.

Compass agents sold homes in 21% fewer days, on average, than non-Compass agents 2 To lead the industry requires the smartest tools built by the brightest minds across engineering, design, and strategy. Through its proprietary platform, Compass improves how agents and clients navigate the process of finding or selling a home.

3

Becoming a homeowner is one of life’s great journeys.

We guide our clients through the most critical steps along the way.

Buying a home is the most emotionally and financially significant decision of most people’s lives. Together, we make the process as stressfree as possible.

OriginPoint integrates Guaranteed Rate’s superior digital mortgage platform with Compass’ suite of AI-driven cloud-based software, driving efficiencies throughout every step of the mortgage process.

This new best-in-class, tech-focused mortgage company will originate mortgages for clients of Compass’ real estate brokerage, as well as any other brokerage, making loans available to a broad consumer audience.

By directly uniting agents with loan officers, OriginPoint creates a cohesive team that reduces consumer uncertainty during the homebuying process and ultimately leads to much greater customer satisfaction overall.

OriginPoint creates a direct connection between the industry’s

Top VPs

Top Agents to provide clients a seamless homebuying experience.

6

7

Delegate the busywork and focus on what only you can do.

O U R P H I LO S O P H Y

CEO Mindset

SM

You are the CEO of your business and should be leading the pack in high-level work — not getting caught up in small tasks. We take the day-to-day chores off your shoulders, so you can focus on what’s important — securing the best deals for your clients.

Proactive POD

Dynamic Marketing

8

Business Development

T H E P R OAC T I V E P O D

VP of Mortgage Lending Delegation System

What is the Proactive POD?

Proactive POD

Application

A best-practice platform built to provide you, your customers, and referral partners the easiest and most efficient way to close loans — utilizing state-ofthe-art technology, a smart workflow process and bestof-the-best employees who are compensated for both speed and quality.

Vice President Delegate tasks so you can spend 80% of your time on high-level activities and 20% leading the team.

Underwriting

Approved

Closing

Production Manager Holistically manages pipeline

Mortgage Consultant Submits files

Underwriter 24-hour turn times

Loan Coordinator Gets approval

Production Manager The Production Manager handles 90% of the processing issues for the VP. Processing Team Specialized processing roles (Mortgage Consultant and Loan Coordinator) allow individuals to master their jobs.

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

10

Processing

Toto: Your pipeline in your pocket Our mobile app enables you to fully manage your pipeline and edit preapprovals on your phone.

YBR: Your loan command center Our real-time automated pipeline management tool has dashboards, rolespecific work queues, task lists and chat messaging.

11

T H E P R OAC T I V E P O D

A clear path to streamline the customer experience.

Our proprietary tech supports the process, every step of the way.

Mortgage Calculator

Digital Mortgage

MyAccount

FlashClose

SM

Mortgage Calculator

Digital Mortgage and Validation

Utilizes real-time rates

Online loan application

Customers use your personalized pricing information to sort options based on what’s most important to them: lowest payment, shortest term or lowest rate.

Your customers can price their own loan, select their preferred product, complete the loan application, and run automated underwriting — providing a complete 1003 and saving you time.

MyAccount

FlashClose

Secure document portal

Now closings take minutes, not hours.1

utomated disclosures A Automated income analysis Automated pay stubs and W-2s Automated bank statements term or lowest rate.

12

Digital Validation

SM

Customers can review and digitally sign most documents prior to the closing appointment.

At the closing, just a few remaining documents need to be signed, saving everyone time.

13

DY N A M I C M A R K E T I N G

Your journey starts here...

Let us lighten the load and make your life easier.

Stay in front of your customers, family, friends and referral partners with 5–10 touches per month, without having to do it all yourself.

Absolutely thrilled we found Janelle. What a simple, easy process.

Your .

ere.. r ts h

a ey st journ

a gu t u

ca

.

w

ith

o

g

. turns

of

na

v i ga

te

.

tri c

to

b

ky

n

is

ourne

a

e

Buyi n

ho m

14

30-Year Fixed Rate M

J U LY 2 0 2 1 N AT I O N A L A

Social Media Sign up to receive 12-15 posts per month, posted on your behalf

ide, i t

naj

2.8

E L L I O T T, N E W H O M E O W N E R

Postcards Show up in their mailbox 12 times per year with a monthly content series

e

Digital Retargeting Personal retargeting ad campaigns advertise your brand online 15x per month per web visitor

Email Campaigns Choose from 20+ automated email campaigns and build your own campaigns from thousands of email templates

It all starts here...

El illor solupta turitam hitia nimagnatur sae antem faccuscim sum ipis aut etusda aut illorum acesequae volupie ndunde acestis magnam deligenis sam, conet 15

DY N A M I C M A R K E T I N G

Your contacts are everything.

Transform your network into your sales force.

Our optimized CRM and marketing platform makes it simple to constantly stay in front of your network in multiple ways — without having to do all the work yourself. You’ll have access to an expansive library of print, web and social media marketing for singlebranded and co-branded collateral.

16

17

DY N A M I C M A R K E T I N G

Create a buzz in your local market and expand your brand’s reach.

Buzz with efficiency — let us do the work for you.

I N - H O U S E E V E N TS T E A M

We handle all the details.

Digital Storefront Our online promo store offers everything from stress balls to brand name merchandise in our luxe product line.

18

Branded Items Have branded items on hand for every situation: charging stations, dog bowls outside restaurants and water bottles for showings and open houses.

Our Events Team can help you plan co-hosted happy hours, customer appreciation parties, agent networking events and more. We take care of everything — from selecting the venue to sending the invitations.

All you have to do is show up and follow up.

19

B U S I N E S S D E V E LO P M E N T

We’ll make the calls to help you build your business with more referral partners.

Take the pressure off and let us help.

The Powerful Partnership Playbook

1 2

Create a buzz in that market so that everybody knows you.

3

I dentify the top 20% of agents who are doing 80% of the business.

4

20

Select the market you want to dominate.

se the Events Team to U help you get your referral partners together and have a little fun.

5

I f an agent doesn’t attend the event, the Biz Dev Team will set up a coffee or lunch meeting.

6

hen you meet with agents W face to face, leverage the Agent Advantage Program.

21

B U S I N E S S D E V E LO P M E N T

You can focus on showing agents the real value you provide.

Tech, tools and resources to make your life easier and build your business.

Silver Swan This amazing tool identifies the top agents in your market so you can prioritize your efforts on the important players.

22

Business Development Team No one has a Biz Dev Team quite like ours who is dedicated to contacting referral partners for you.

Agent Advantage Program Show the tangible benefits of how you can help agents look good and grow their business, emphasizing the tools, products and services that are built with the agent in mind.

23

COAC H I N G A N D S U P P O RT

PRICING

Best-of-the-best guidance will help you reach your goal, whatever it is.

We offer you pricing flexibility so that you can win in your market.

From a full array of loan options to running pricing from your phone, we do everything to make your job easier.

Guaranteed Rate CEO, Victor Ciardelli, and our Executive Team provide best practices to leverage the unique GR model.

Multi-Lender Platform

Soul Club Anybody closing up to $10 million

24

You Have a Voice

Learn from the Best

Regular calls for you to tell us your pain points, so we can fix them.

VPs who have grown their business using our CEO Mindset share how they did it.

irect lender to Fannie, D Freddie and Ginnie Proprietary credit and condo variances Jumbo Loan Experts 1 5+ jumbo lenders In-house jumbo delegated underwriting We have our own jumbo products Awesome Lock Options

Family Circle Anybody closing between $10 million and $30 million and closing 40+ units

xtended locks E Flexible extension options Expansive investor rate renegotiation policies

25

OUR VIBE

We grow for good.

We’re a little different. We are a company with a soul, a team of individuals connected by a camaraderie unique in the business. The very core of who we are is to make a positive impact on the lives of every person we touch.

C O R E VA LU E S

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.

27

OUR VIBE

Fighting unconscious bias with a conscious collaboration.

GROW (Guaranteed Rate Organization of Women) is a dedicated company-wide group for women to harness the power of mentorship to help leverage their talents to grow, excel and dominate within the mortgage industry.

LEAD (Leadership Equity and Development) is a group whose mission is to transform the mortgage industry by building future minority LEADers through recruiting, outreach, and training initiatives; increase minority awareness by developing community relationships to promote education around financial literacy and homeownership; with a primary goal of fostering an inclusive and diverse work environment that will strengthen minority and non-minority relationships in corporate America.

PROUD is an LGBTQ+ diversity group with the mission of creating a workplace in the mortgage industry that believes in everyone for who they are, wants them to succeed because of their talents and abilities, and makes them feel safe, welcome, and most importantly, PROUD! 28

29

JOIN THE TEAM

We will make sure you have a soft landing so that you can hit the ground sprinting.

An ing excit new ney jour d... ahea

Excited to share that I will be joining OriginPoint!

Fast Ramp Up We’ve onboarded some of the biggest originators in the country and they haven’t missed a beat.

Onboarding offers smooth support and access to the entire platform.

Turn-Key Marketing

We are looking for the best loan originators and operations leaders in the business to join our team.

Celebrate your move and connect with all of your customers and prospects.

Get in touch to start a conversation today.

Transition Team The team picks up your pipeline and manages it right away.

careers@originpoint.com 30

31

Origin Point, 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.

We calculate our market share by dividing our Gross Transaction Value, or the total dollar value of transactions closed by agents on our platform, by two times (to account for the sell-side and buy-side of each transaction) the aggregate dollar value of U.S. existing home sales as reported by NAR.

1

2

For Compass agents’ homes, relative to industry peers in our MLS Cities. Source: MLS, 2020. between Jan 2019 and Nov 2020.

OriginPoint LLC; NMLS #2185899; For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply.

CO: Regulated by the Division of Real Estate, (773) 897-6587, IL: MB.6761633, TN: 2185899

32

33

34