Better Together APAP 2026

+ BETTER TOGETHER

A Powerful Brand Guaranteed Rate Affinity is a strong national brand with great momentum.

Anywhere Real Estate Inc., a global leader in residential real estate, partnered with Guaranteed Rate Inc. to form Guaranteed Rate Affinity (GRA) in 2017.

It’s a well-known fact that people prefer to work with those who make things easy and this holds true for both our consumers and agent audiences.

3,548 customers agree we make the mortgage process easy and with a 97% Customer Satisfaction Score*, we’re excited to share this message. *97% Customer Satisfaction: Data Source: Guaranteed Rate Affinity's Client Satisfaction Surveys (Averaged 2025) For agent presentation only.

TECHNOLOGY AND PRODUCTS

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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-so list guides clients through the process

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. Refinancing your mortgage may increase costs over the term of your loan.

Restrictions may apply.

For agent presentation only FOR INTERNAL USE ONLY Copyright © Guaranteed Rate Affinity, LLC. All rights reserved

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PowerVP The tech of all tech. Introducing the best LO tech on the planet.  PowerVP is tech that travels with us anywhere and does everything  We can create new loan applications, pull credit, lock a rate, send pre-approvals – the list goes on  Never worry about getting your buyers through the loan process – we got you covered

For agent presentation only.

FOR INTERNAL USE ONLY Copyright © Guaranteed Rate Affinity, LLC. All rights reserved

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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. Title company restrictions may apply, not eligible for HFA programs. Knowledge-Base Authentication (KBA) required in order to enter the digital signing session. Applicant subject to credit and underwriting approval. 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.

FOR INTERNAL USE ONLY Copyright © Guaranteed Rate Affinity, LLC. All rights reserved

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Same Day Mortgage Approvals in as fast as 1 day* and closed in as fast as 10**  Step 1: Encourage your eligible buyers to contact their Guaranteed Rate Affinity Loan Officer to get started*  Step 2: Have your buyers provide us with all the required documents within the specified timeframe  Step 3: Your buyers will be cleared to close in as fast as 1 day,* putting them on track to close on their home in as fast as 10 days**

*Guaranteed Rate Affinity’s Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Guaranteed Rate Affinity within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Guaranteed Rate Affinity cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Guaranteed Rate Affinity reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit grarate.com/same-day-mortgage for terms and conditions. **Eligible borrowers must qualify for a "Clear to Close Loan Commitment" ("CTC”). Guaranteed Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. CTC is subject to certain underwriting conditions, including clear title and no loss of appraisal waiver, amongst others. Not eligible for all loan types or residence types. Minimum down payment requirements apply.

Property must be eligible for an Appraisal Waiver and borrower must opt in to AccountChek for automated income and asset verification.

Self-employed borrowers and Co-borrowers are not eligible. Not all borrowers will be approved. Restrictions apply. For agent presentation only.

FOR INTERNAL USE ONLY Copyright © Guaranteed Rate Affinity, LLC. All rights reserved

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Over 200+ Loan Product Solutions Products solutions for all your clients needs.  VA, FHA, USDA *  AMI  HELOC **  Renovation  Jumbo, Fixed-Rate  Lock ‘N’ Roll ***  Refinance  Reverse ** *Guaranteed Rate Affinity is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans’ benefits except as authorized under Title 38 of the United States Code. **For more information visit: grarate.com/heloc, grarate.com/hecm-reverse-mortgage ***The Lock 'n' Roll program is eligible for conventional and government, fixed rate loans. Loan term requirements vary and apply based on loan type. Lock period must be a minimum of 60 days. Additional restrictions apply.

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. Contact Guaranteed Rate Affinity, LLC for current rates and for more information. For agent presentationFOR only.INTERNAL USE ONLY Copyright © Guaranteed Rate Affinity, LLC. All rights reserved

BUILDING YOUR BRAND

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Marketing Toolkit SM

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With tools like ClientDrip and Clipboard, you’ll be able to leverage these to your advantage.

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 ClientDrip gives you the ability to “plug and play” with email campaigns helping you stay in front of potential clients SM

 Clipboard seamlessly captures contact info to set up guest check-ins on any device, syncing your database Available at agents.grarate.com

For agent presentation only.

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Digital Targeting Your online co-branding platform with our Evocalize platform.  Evocalize allows you and our loan officers to reach your desired audiences quickly and effectively.  Through Meta and Google Networks you can leave a digital presence with minimal cost and efforts, but lasting impact.

For agent presentation only.

Agents be financially responsible their pro rateRate share of marketing events costs.

FOR shall INTERNAL USE ONLY Copyrightfor © Guaranteed Affinity, LLC. Alland rights reserved

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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 when it’s a good time to reach out

For agent presentation only.

FOR INTERNAL USE ONLY Copyright © Guaranteed Rate Affinity, LLC. All rights reserved

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Open House Tools A complete marketing platform that elevates you from the competition.

Amplify your open houses with our lead generating technology and marketing materials.  Print materials: Property flyers, Neighborhood Reports, QR Code Sign-in flyer, Affordability flyers and more  Digital Tools: Single Property Website, Lead SM Capture App and ClipBoard  Promo Items: Booties, hand sanitizers, signage, etc.

For agent presentation only.

Agents shall be financially responsible for their pro rate share of marketing and events costs.

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Memorable Experiences Incorporate the Power of Partnership with experiences throughout all office opportunities.  Office experiences can include sales meetings, lunch and learns, broker opens and national events like Galas  Continue to build on the partner engagement in ever opportunity to help build your book of business

For agent presentation only.

#BetterTogether

Operating in the state of New York as GR Affinity, LLC in lieu of the legal name Guaranteed Rate Affinity, LLC Coldwell Banker and Guaranteed Rate Affinity, LLC share common ownership and because of this relationship the brokerage may receive a financial or other benefit. You are not required to use Guaranteed Rate Affinity, LLC as a condition of purchase or sale of any real estate FOR BROKER-DEALER OR AGENT USE ONLY — Not for public dissemination. May not be distributed, reprinted or shown to the public in oral, written or electronic form as sales material. | All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate Affinity does not guarantee the quality, accuracy, completeness or timelines of the information in this publication.

While efforts are made to verify the information provided, the information should not be assumed to be error-free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity. Guaranteed Rate Affinity, its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. | 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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Guaranteed Rate Affinity, LLC; NMLS #1598647; 1800 W Larchmont Ave, Suite 400, Chicago, IL 60613; 773-516-6900. For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply. • AZ: 7221 E Princess Blvd, Ste 117, Scottsdale, AZ 85255, Mortgage Banker License #0941440 • 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 • GA: Residential Mortgage Licensee #20973 • MA: Mortgage Lender & Mortgage Broker License # MC1598647 • ME: Supervised Lender License #1598647 • NH: Licensed by the New Hampshire Banking Department, Lic #21635-MB • NJ: Licensed by the N.J. Department of Banking and Insurance • NY: Licensed Mortgage Banker - NYS Department of Financial Services, 348 West 14th Street 2nd Floor, New York, New York 10014 • OH: MB 804260 • OR: Licensed and Regulated by the Department of Consumer and Business Services • PA: Licensed by the Pennsylvania Department of Banking and Securities • RI: Rhode Island Licensed Lender • WA: Consumer Loan Company License CL-1598647. © 2024 Coldwell Banker Real Estate LLC. All rights reserved. Coldwell Banker® and the Coldwell Banker are service marks owned by Coldwell Banker Real Estate LLC. The Coldwell Banker System is comprised of company owned offices which are owned by a subsidiary of Anywhere Advisors LLC and franchised offices which are independently owned and operated. Coldwell Banker Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. All materials, programs, or meetings that are not for purposes of compliance with brand standards are optional and not required for your use as an independent contractor sales associate or broker affiliated with the Coldwell Banker brand. They are suggested best practices that you may use at your discretion. Nothing herein is intended to create an employment relationship.