Agent Advantage Booklet 120624

AGENT ADVANTAGE We have a plan to help you look good and do more business 1. Make stronger offers 2. Close with speed and certainty 3. Grow your business

RATE HELPS AGENTS DO MORE DEALS

Rate is the #1 most trusted mortgage lender in the country by real estate agents.

Make stronger offers T H E A G E N T A DV A N T A G E

I N T RO D UC T I O N

Close with speed and certainty

Grow your business

MAKE STRONGER OFFERS

Win more deals by offering more competitive terms.

COMPETE WITH CASH BUYERS

Our PowerBid Approvals provide full underwriting credit approval in a day.

Full approval before clients even start looking Our underwriters fully review and approve buyers prior to finding a home and signing a contract Greater negotiating power Your clients can position themselves as cash buyers

T H E A G E N T A DV A N T A G E

M A K E S T RO N G E R O F FE RS

STRONGER OFFERS, FASTER DEALS

Same Day Mortgage makes buying a home as easy as possible.

1-day approvals AND close in as little as 10 days Clients want everything fast - increase the chances of getting offers accepted 75% of conventional loans are eligible Purchase & Refi, Primary, Secondary, Investment, 3% down, SFR, Detached SFR, PUDs & Condos

VA, FHA, and Jumbo also available through Same Day!

Key Performance Stats % of loans eligible

Avg CTC (Business Days)

Conventional

75%

8

Government

46%

14

Jumbo

33%

12

“The program was like fine artwork! Fantastic job!”

– John Agent, Real estate agent

T H E A G E N T A DV A N T A G E

M A K E S T RO N G E R O F FE RS

UPDATED PRE-APPROVALS ANY TIME

Pre-Approval letters when the moment strikes.

Updated preapprovals 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

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M A K E S T RO N G E R O F FE RS

CLOSE WITH SPEED & CERTAINTY

We’ll help you look good.

RATE APP

Our game-changing Rate App speeds up the entire process.

The quickest, easiest way to get clients pre-approved Approvals before they leave the open house Approvals are 26% faster Clients want everything faster

Clear to Close are 11% faster More certainty, less stress

T H E A G E N T A DV A N T A G E

C L O S E W I T H S P E E D & C E RT A I N T Y

DIGITAL MORTGAGE EXPERIENCE

Award-winning technology simplifies the process.

Applications in 15 minutes Generates recommended loan options with real-time rates AI underwriting Automation tools do the heavy lifting for your clients

Dedicated processing team Highly trained experts and in-house Underwriting and closing with 24-hour turn times Clients absolutely love it Our Net Promoter Score is 2x the industry average NerdWallet: 2024 Best Mortgage Lender for First-Time Home Buyers T H E A G E N T A DV A N T A G E

C L O S E W I T H S P E E D & C E RT A I N T Y

AUTOMATIC LOAN STATUS UPDATES

Real-time updates for the loan milestones you care about.

Opt into text notifications Always know exactly what’s going on with every client Full transparency with 24/7 access Without having to make a call

T H E A G E N T A DV A N T A G E

C L O S E W I T H S P E E D & C E RT A I N T Y

FLASHCLOSE

Close in minutes, not hours.

Less stress, more peace of mind Clients review and sign most closing documents in advance Everybody saves time There’s are only a few remaining documents at the closing.

T H E A G E N T A DV A N T A G E

C L O S E W I T H S P E E D & C E RT A I N T Y

GROW YOUR BUSINESS

Our platform provides tangible benefits that make a real difference.

BEST PRODUCT & PRICING IN THE COUNTRY

With access to virtually every loan program, you will never have to say no to a client again.

VA Loans Support veterans in your neighborhood with no down payment, no lender fees and Loans up to $2M – $3M. Up to $3,000,000, 550 FICO, IRRRL, C/O 100% LTV, Energy Efficient Mortgage (EEM)

FirstHome+ Nationwide CRA Pricing Program 100% AMI conforming/120% AMI High Bal Markets, additional CRA pricing specials for ≤85% AMI

Jumbo #1 non- bank Jumbo lender in the country, 30+ National/Regional Prime Non-Agency Outlets Proprietary jumbo product backed by 150+ investors and in-house securitization

Non-QM Grow your business with non- qualified mortgages with options liked Fixed and ARM options, and gully delegated specialized non-QM underwriters to help with speed

T H E A G E N T A DV A N T A G E

G R O W YO UR B U S I N E S S

BEST PRODUCT & PRICING IN THE COUNTRY

With access to virtually every loan program, you will never have to say no to a client again.

Lock ‘n’ Roll Allows borrowers to lock in a rate for 60, 75 or 90 days while shopping for a property before signing a purchase contract

New Construction Land new builders with our proven platform and Targeted products--Forward Commitments, Extended locks up to 1-year, Temp Buydowns, Lock n’ Sell, Dream Bigger

Reverse Mortgages Our Dedicated Reverse Team & Referral Program offering HECM, Purchase HECM, Jumbo up to $4M and Standalone Second.

Rate Reduce Our RateReduce program gives you’re the competitive edge by giving buyers options for lower mortgage payments with RateReduce Temp, RateReduce Perm and RateReduce Sell.

T H E A G E N T A DV A N T A G E

G R O W YO UR B U S I N E S S

FULLY PROMOTE YOUR PROPERTIES

Get more exposure with single property listing websites.

Customized co-branded sites With full MLS and IDX integration are specific to one property and extremely easy to create Capture more leads Visitor contact information is automatically uploaded to your database for auto campaigns

Social Media Content Publish and promote these listings on your social media

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G R O W YO UR B U S I N E S S

INSTANT CO-BRANDED PRINT COLLATERAL

Tailor-made marketing collateral to suit any situation.

Full library of marketing flyers Help educate clients Leverage Neighborhood Reports With great ZIP Code-specific information

Direct Mail Stay top of mind with your network with EDDM postcards

T H E A G E N T A DV A N T A G E

G R O W YO UR B U S I N E S S

GENERATE MORE BUSINESS FINANCING SO LUTIO NS

Make the most of every open house.

Just listed/just sold postcards Let the world know with a push of a button Instantly generate property flyers in seconds Auto-populated MLS info, photo, contact info and pricing Open House Lead Capture Set up guest check-in on any device to collect contact info Automatically follow up The visitor information is synced to your database and added to your Open House Follow Up email campaigns

T H E A G E N T A DV A N T A G E

G R O W YO UR B U S I N E S S

$699,0 0 0 LISTED 442 S Quincy Street, Hinsdale IL 60521 Welcom e to 442 S Quincy, this fully updated 3 bedroom, 2 full bath gem boasts fabulous rooms for entertaining including a large sun-lit fam ily room and dining room plus a large chef's kitchen with stainless steel appliances and abundant cabinetry. The spacious den offers versatility as an office, playroom or 4th bedroom. Additional updates include 2 full baths, custom window treatm ents, and a new $60K backyard oasis with a new blue stone patio with lit steps, architectural uplighting, darling bluestone walkway, new fence, new gates, new sod and professionally selected plantings! The full basement features a large cozy recreational room with fireplace, large laundry roo m with loads of storage and

30 - YEAR FIXED

30 - YEAR FIXED

30 - YEAR FIXED

CONFORM ING, 5%

CONFORM ING, 10 %

CONFORM ING, 20 %

Tax, insurance & HOA

7.125% (APR 7.519%)1

7.125% (APR 7.398%)2

7.25% (APR 7.353%)3

$4,473.83

$4,238.36

$3,814.73

$204.75

$131.06

$883.00

Tax, insurance & HOA

$883.00

$0.00 Tax, insurance & HOA

$883.00

$5,561.58

$5,252.42

$4,697.73

$34,950.00

$69,900.00

$139,800.00

1) Sample monthly Principal and Interest (P&I) payment of $4,473.83 is based on a purchase price of $699,000, down payment of 5%, 30 year fixed rate mortgage and rate of 7.125%/7.519%APR(annual percentage rate). Advertised rates and APR effective as of 04/10/24 and are subject to change without notice. Above scenario assumes a first lien position, 780 FICOscore, 30 day rate lock and based primary residence. Subject to underwriting guidelines and applicant’s credit profile. Actual payment, taxes, insurance or assessments may vary. Mortgage Insurance Premium (MIP) is required for all FHAloans and Private Mortgage Insurance (PMI) is required for all conventional loans where the LTVis greater than 80%. Actual payment obligation will be greater. Not all applicants will be approved. Applicant’s interest rate and APRwill depend upon the specific characteristics of applicant’s loan transaction, credit profile and other criteria. Contact Guaranteed Rate for more information and up to date rates.

Some of the products featured are only available for first time home buyers. Other products listed may be available to you if you are not a first time home buyer. Please speak with a Guaranteed Rate loan originator to discuss your available options.

2) Sample monthly Principal and Interest (P&I) payment of $4,238.36 is based on a purchase price of $699,000, down payment of 10%, 30 year fixed rate mortgage and rate of 7.125%/7.398%APR(annual percentage rate). Advertised rates and APR effective as of 04/10/24 and are subject to change without notice. Above scenario assumes a first lien position, 780 FICOscore, 30 day rate lock and based primary residence. Subject to underwriting guidelines and applicant’s credit profile. Actual payment, taxes, insurance or assessments may vary. Mortgage Insurance Premium (MIP) is required for all FHAloans and Private Mortgage Insurance (PMI) is required for all conventional loans where the LTVis greater than 80%. Actual payment obligation will be greater. Not all applicants will be approved. Applicant’s interest rate and APRwill depend upon the specific characteristics of applicant’s loan transaction, credit profile and other criteria. Contact Guaranteed Rate for more information and up to date rates.

3) Sample monthly Principal and Interest (P&I) payment of $3,814.73 is based on a purchase price of $699,000, down payment of 20%, 30 year fixed rate mortgage and rate of 7.250%/7.353%APR(annual percentage rate). Advertised rates and APR effective as of 04/10/24 and are subject to change without notice. Above scenario assumes a first lien position, 780 FICOscore, 30 day rate lock and based primary residence. Subject to underwriting guidelines and applicant’s credit profile. Actual payment, taxes, insurance or assessments may vary. Mortgage Insurance Premium (MIP) is required for all FHAloans and Private Mortgage Insurance (PMI) is required for all conventional loans where the LTVis greater than 80%. Actual payment obligation will be greater. Not all applicants will be approved. Applicant’s interest rate and APRwill depend upon the specific characteristics of applicant’s loan transaction, credit profile and other criteria. Contact Guaranteed Rate for more information and up to date rates.

Cont act m e t od ay t o learn m ore!

Dan Gjeldum

Julie Sut t on

Branch Manager/SVP of Mortgage Lending • NMLS # 686529

O: (773) 435-0654 Rate.com/dan dan@rate.com

C: (312) 543-9692

14 W Hinsdale Ave., Unit A1 Hinsdale, IL 60521

Real Estate Agent O: (312) 909-9561 thejuliesuttongroup.com julie.sutton@compass.com 201 Grant Square, Hinsdale, IL 60521

DanGjeldumNMLS#686529 GuaranteedRateInc.; NMLS#2611; For licensinginformationvisit nmlsconsumeraccess.org. Equal HousingLender. Conditionsmayapply. AZ- 14811N. KierlandBlvd., Ste. 100, Scottsdale, AZ, 85254, MortgageBanker License#0907078CA- LicensedbytheDepartment of BusinessOversight under the CaliforniaResidential MortgageLendingAct CO- RegulatedbytheDivisionof Real Estate, (866)-934-7283GA- Residential MortgageLicensee#20973MA- MortgageLender &MortgageBroker License#MC2611OH- MB804160, 3940 N. RavenswoodAve., Chicago, IL60613WA- Consumer LoanCompany LicenseCL-2611

PEOPLE DO BUSINESS WITH PEOPLE THEY LIKE

Our Events Team handles all the details.

Sponsor Broker Opens We can arrange delivery and set up from preferred caterers, and my team will be there to answer any mortgage questions that come up Concierge Service Our Events Team will help us execute the events so that we can spend time build strong relationships

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G R O W YO UR B U S I N E S S

BEST PRACTICES TO GROW

Access a full library of coaching videos on the Agent Advantage website.

Weekly Live Webinars Best practices in an interactive format Quick Tips Massive library of quick videos that are easy to digest In-depth Interviews Agents across the country talk about the topics you care most about

T H E A G E N T A DV A N T A G E

G R O W YO UR B U S I N E S S

EXPAND YOUR CUSTOMER BASE

Grow your business by serving the Hispanic community in Spanish.

Guaranteed Rate offers the only 100% end-to-end Spanish language mortgage process.

Digital Mortgage en español National certified bilingual Processing Team

We can co-market, solicit and advertise in Spanish In all 50 states without restrictions. Even if you don’t speak Spanish! 10k+ have used the Spanish Digital Mortgage experience

Loan Disclosures in Spanish Comprehensive Financial Education in Spanish Underwriters who understand our Hispanic buyer Financial Products for the needs of Hispanic members Marketing Materials to market, solicit & advertise in Spanish

T H E A G E N T A DV A N T A G E

G R O W YO UR B U S I N E S S

THANK YOU

Let’s work together.