GRA Ops Best of the Best

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

Guaranteed Rate Affinity is a strong national brand with great momentum. + Currently has over 1,500 employees + Affiliated with Realogy Title Group + We have our own insurance company, Realogy Insurance Agency

+ Official naming rights of the Chicago White Sox stadium, Guaranteed Rate Field

Nationally Recognized (never satisfied) 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 Housing Wire:

+ HW Tech 100 Award U.S. News & World Report Best Rankings1:

+ Best Home Improvement Loans + Best Online Mortgage Experience Crain’s Chicago Awards:2

+ Notable Businesses Championing Diversity 1- NerdWallet awards from 2021 and 2019, U.S. News Accolades in 2018.

2- Source: https://www.chicagobusiness.com/awards/crains-2020-notable-lgbtq-executives-and -businesses-championing-diversity-and-inclusion Awards received by Guaranteed Rate parent company

Power of Partnership

Growth from Teamwork

Our partnership with Realogy provides you access to top real estate agents in their real estate brokerage business, NRT. For the 23rd consecutive year, Real Trends 500 has ranked Realogy Brokerage Group (formally NRT) as the top U.S. Residential real estate brokerage for sales volume, based on closed sales volume in 2019. Work alongside Coldwell Banker agents with support from NRT leadership:

$80B

$70B

$60B

$50B

Access

Brand Exposure

Inclusion in all office communication and opportunities to provide training and open house support

Signage and marketing materials within the office

$40B

$30B

Personal Introductions Meetings with top 30% of agents to develop strong relationships

81

NET PROMOTE R SCO R E 1

IN 2020

2

$13.4B

$20B

IN LOAN VO LUM E

F O R 2 0 2 02

OUR LO A N OFFICERS COVERED

533 OFFICES

LICENSED IN OUR LOAN OFFICERS WORKED WITH

38,000

+

54,000 + R E A L E S TAT E AG E N T S 2

$10B 2

2000

2003

2006

2009

2012

2015

2018

49

STATES 2

FA M I LI E S S E RVE D I N 2020 2

77,000+

FA M I LI E S S E RVE D S I N CE I N CE P TI O N

1 2

Data pulled from Guaranteed Rate Affinity’s Customer Satisfaction surveys (1/1/20-12/31/20) and npsbenchmarks.com.

(1/1/20-12/31/20)

Funded Loan Volume 2000-2020* *Funded volume for Guaranteed Rate Companies

2020

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.

We’ll set you up for success from Day 1.

We think that our onboarding and training teams are some of the best in the industry. They make sure you have all that you need to start strong and keep your momentum going throughout your career.

FAST RAMP UP

+ Onboarding offers smooth support and access to the entire platform.

INTEGRATION TEAM

+ Learn from the experts how to make the most of the POD, our technology and more.

LEARNING AND DEVELOPMENT

+ Stay up-to-date with ongoing training sessions.

Proactive POD

Dedicated Team

Vice President

Production Manager

Processing Team

Underwriting and Closing

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

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

Specialized processing roles (Mortgage Consultant and Loan Coordinator) 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

Roles and Responsibilities

Key Tools and Processes

+

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

+

Toto: Our mobile tech fully enables VPs to manage their pipeline

+

Gets out of day-to-day loan activities and focuses on growing the business

+

Loan Summary lets borrowers compare multiple loan options

+

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

+

Loan Status Monitor provides real-time status updates

Proactive POD

Production Manager

Roles and Responsibilities

Key Tools and Processes

+

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

+

+

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

+

Coaches team to leverage tech and tools and improve performance

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

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

• Features integrated chat and dynamic, collaborative checklists

Proactive POD

Mortgage Consultant

Roles and Responsibilities

Key Tools and Processes

+

Orders appraisal, if needed

+

+

Requests condo project docs

Property Inspection Waivers through DU and LPA

+

Follows up on initial disclosures for signature

+

DocuSign technology

+

+

Places 3rd-party orders

TransferSafe and automated tasks for borrower documentation

+

Requests and reviews supporting docs

+

Dedicated Project approval department

+

Prepares file and submits to UW

Proactive POD

Underwriting

Roles and Responsibilities

Key Tools and Processes

+

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

+

+

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

+

24-hour turn times

+

The Training Department provides underwriters ongoing development

Proactive POD

Loan Coordinator

Roles and Responsibilities

Key Tools and Processes

+

Requests and reviews conditions

+

YBR pipeline management tool

+

Submits to underwriting for Clear to Close

+

+

Verifies cash to close figures and source of funds

+

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

Prepares Closing Disclosure

+

Submits clear file to the Closing Department

We’re changing the mortgage business for good.

Learn more at Rate.com/grow.

Women play a major decision-making role in 91% of all new home purchases and make up 67% of real estate agents. So we think it’s unacceptable that only 24% of top loan officers are women.

We’re proud that now 32% of our loan officers are women, but we won’t be satisfied until that number is at least 50%. That’s why we created the Guaranteed Rate Organization of Women (GROW) to support the growth of every woman in the company, while pushing change in our industry.

+

Dedicated monthly calls with the leaders of GROW—get tips and advice from women who are leading the industry

+

Annual GROW conference with guest speakers and workshops

+

Exclusive GROW meetings at President’s Club trips

Giving Back

We grow for g

d.

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.

Core Values

+

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.

GR Foundation Headline Here

Making a direct impact in people’s lives, when they need it most The Guaranteed Rate Foundation provides customized financial support to those working to overcome extraordinary hardships.

Our goal is to offer hope to those in crisis— an opportunity to stop, take a breath and begin healing. In 2020, we granted over $1 million in aid.

Over $4.6 million

donated to more than 1,500 individuals Every penny of every dollar goes to someone in need

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

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) • 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 - 6851 E Stone Ridge Pl Tucson, AZ 85750 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, 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 • IA - Lic #2017-0035 • KS - Licensed Mortgage Company - Guaranteed Rate Affinity, LLC - License #MC.0025481• KY - Mortgage Company Lic #MC386524 • LA - Lic #1598647 • ME - Lic #1598647 • MD - Lic #22715 • MA - Guaranteed Rate Affinity, LLC - Mortgage Lender & Mortgage Broker License MC1598647• MI - Lic #FR0020883 & SR0020884 • MN - Lic #MN-MO-1598647 • MO - Lic # 17-2357• MS - Guaranteed Rate Affinity, LLC 1800 W Larchmont Ave, Chicago, IL 60613 - Mississippi Licensed Mortgage Company, Lic # 1598647 • MT - Lic# 1598647 • 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 • NJ - Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance • NM - Guaranteed Rate Affinity, LLC. Regulated by the New Mexico Financial Institutions Division, 773-516-6900 • NC - Lic #L-173991 • ND - Lic #MB103116 • NV - Lic #4779 & 4778 • OH - Lic #MB.804260.000 & Lic #SM.502032.000- 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 20173468LL & 20173469LB • SC - Lic #MLS – 1598647 • 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 #10371701 & Utah-DFI Residential First Mortgage Notification – Utah Department of Financial Institutions • VT - Lic #7021 & 1351 MB • VA - Guaranteed Rate Affinity, LLC. - Licensed by Virginia State Corporation Commission, License # MC-6753 • WA - Lic #CL-1598647 • WI - Lic #1598647BA & 1598647BR • WV - Lic #ML-35540 & MB-35539 • WY - Lic#3000 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.

The Red Arrow is a registered trademark of Guaranteed Rate, Inc., used under license. Guaranteed Rate Affinity, LLC is a subsidiary of Guaranteed Rate, Inc.”