You’re looking to take your business to the next level.
We have the best retail mortgage platform in the business.
Now learn a little bit about the Guaranteed Rate Affinity difference and how we make the mortgage process easy.
will help you grow your business, have a better quality of life and make more money.
We started this company with one main focus: to offer a better value proposition than any other bank or mortgage company in the country for you, your borrowers and your referral partners.
Check out this Best of the Best booklet to learn more about what makes us different. We believe the more you learn about Guaranteed Rate Affinity, the more you’ll love what you see and realize that this is the best company for you.
Start to imagine what your life could be, then come join the Best of the Best.
Victor Ciardelli Chairman
The eight pillars of our Winning Formula will help you DOMINATE, CELEBRATE AND REPEAT, over and over again.
We’re a company with a soul — a team of individuals driven by an entrepreneurial spirit and a commitment to winning, held together by a camaraderie that is unique in the industry.
With this mindset, you can showcase just how easy our mortgage process can be with both referral partners and members.
As a Guaranteed Rate Affinity Loan Officer, you’ll flip the hourglass and spend 80% of your time focusing on what you do best: selling!
Our suite of proprietary technology helps you generate leads, build relationships, close loans and delight borrowers.
BUILD YOUR BIZ
UP YOUR GAME
YOUR COMPETITIVE EDGE
POWER OF PARTNERSHIP
Our proven best practices model helps you build your personal brand, create buzz and exponentially grow your business to become #1 in your market.
New can’t-miss opportunities hosted every month provide resources and tools to grow and build your business as fast as humanly possible.
You’ll have ultimate control, flexibility and speed to market from the best combination of products and competitive pricing in the industry.
Provides you with access to top real estate agents with the support of leadership to grow your business.
OUR VIBE
It’s really all about culture and bettering people’s lives. It’s about giving our customers a world-class experience with the most important purchase of their lives, helping to improve our communities and celebrating our wins together. Because that’s how we help make the mortgage process easy.
CORE VALUES
These 10 values are what we stand for and live by every day:
• We grow for good
• We put our members first
• We work with the best of the best
• We think big
• We have grit
• We have an owner’s mentality
• We embrace change
• We demand excellence
• We hold ourselves and others accountable
• We give a sh!t
CUSTOMER SATISFACTION
Our 97% Customer Satisfaction score proves that our Core Values aren’t just talk.*
RATE FOUNDATION
Our Foundation has one purpose: to help people in our communities by providing relief in times of hardship through tailored financial support. One-hundred percent of Foundation costs are covered by us, so every dollar donated goes toward helping people who need it most.
Our Foundation is powered by employees — we’d love to have you help out too.**
GIVING BACK
Our annual food drive has provided more than 1 million meals since 2013. We host volunteer days to clean up beaches and parks, donate food and clothing in the aftermath of natural disasters and serve on boards and commissions of local agencies and nonprofits. We’re committed to helping make the world a more livable, sustainable and caring place.
INCENTIVE TRIPS
We win as a team and celebrate as a team. Join us on our next incentive trip where we meet in a tropical paradise while sharing tricks of the trade and toasting our victories.
WE MAKE IT EASY
Our mindset is built around our core values, which is why we continue to innovate for our members as well as our referral partners. When we live those values, we apply them to everything we do. That includes continually refining our process so it works for you.
GIVING YOU WHAT YOU ASK FOR
It’s a well-known fact that people prefer to work with those who make things easy. This holds true for both our members and referral partners. With over 623 mentions of the word “easy” in 2024 survey comments, we’ve decided to weave this into our mindset and apply it to how we move forward. Our goal is to create an understanding of just how easy our mortgage process can be, how that benefits our members and referral partners and how they can start working with us. We are always searching for ways to make it easier for you to close more often, faster.
EQUIPPING LOAN OFFICERS FOR SUCCESS
Our focus on a fast and success-driven mindset empowers our Loan Officers to be warriors in the industry and elevate their status. By leveraging consumer experience reviews, we are enhancing our reputation with our referral partners. This ensures members have an easy mortgage process while also strengthening our brand message of WE MAKE THE MORTGAGE PROCESS EASY.
THE BOTTOM LINE
With this mindset we’ve built a foundation for your growth because together, we make the mortgage process easier. Moving quickly without being slowed down by complicated processes leaves you with more time to pursue leads, close deals and focus on doubling your business.
BE A RAINMAKER
Have you ever asked yourself what percentage of your day you spend getting a loan through the system? Is that really the best use of your time? Instead, what if you focused on the things that actually grow your business the most?
PROACTIVE POD MODEL
Focus on $500-per-hour versus $40-per-hour activities. We invented the proactive POD Model that lets you take back your workday, talk to every customer and double your business.
CLEARLY DEFINED ROLES
Your team consists of a Mortgage Consultant and Loan Coordinator to free up your workday for more face time with referral partners and potential customers.
PROACTIVE PIPELINE MANAGEMENT
Our POD Model puts emphasis on the beginning of the process and spreads out the workload, so you can identify and resolve problem files and issues earlier — giving you the ability to set consistent turn times.
TEAM ACCOUNTABILITY
Performance management makes sure files are underwritten faster and approved with minimal conditions — improving the borrower experience and driving faster CTCs.
UNDERWRITING AND CLOSING
A concierge-level of service provided by the best Underwriting and Closing Departments in the country means they work as your teammates to provide your customers with a lightning-fast, headache-free process.
SPECIALTY TEAMS
Our in-house experts cut through any unnecessary red tape — opening up new paths for business.
• Condo Department
• Builders and Renovation Department
• Panel of Appraisers
• Integrated Title and Insurance Companies
RED ARROW TECH
Does your current platform make your entire business more efficient? Red Arrow is our comprehensive suite of proprietary technologies that empower you to:
• Generate more leads
• Close more loans faster
• Strengthen relationships with referral partners
• Simplify the customer experience
MARKETING PORTAL
Our CRM and marketing portal helps build your brand and turns your borrowers into your sales force.
STREAMLINE YOUR TIME
Close more loans faster, manage your team and keep your pipeline flowing with less stress and more free time.
REFERRAL PARTNER RELATIONSHIPS
Arm your referral partners with tools for their success. Build more agent relationships and strengthen the ones you have with Agent Advantage, our dedicated agent site stocked with tools and coaching to help your referral partners grow their business.
AUTOMATED TOOLS
Remove yourself from administrative tasks and simplify the mortgage process with modern tools for your borrowers, like online document signing, sharing assets and account syncing.
BUILD YOUR BIZ
Stand out from other lenders with our proven model that helps you build your personal brand, generate more buzz and grow your business. MAXIMIZE YOUR EXPOSURE. BECOME #1 IN YOUR MARKET.
PERSONALIZED MARKETING
Your past customers, friends and family are your sales force. Guaranteed Rate Affinity helps you ignite that database with personalized emails, postcards, flyers and more.
SOCIAL MEDIA
Using targeted, cost-efficient models to reach your chosen audiences, our social media team enhances your presence and relevance in social media to grow your business.
NATIONAL BRAND
Our national brand campaign is entirely focused on establishing name recognition with borrowers and referral partners so they feel absolutely confident in doing business with you.
CUSTOMIZED EVENTS
Build and strengthen relationships with the top 20% of real estate agents in your market. Our dedicated National Events Team will assist you with planning all of your custom events.
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.
SPONSORSHIP DEALS
Our parent company, Rate, has major sports sponsorships that earn hundreds of millions of impressions.
UP YOUR GAME
If you want to be the best, you have to hang with the best. Boost your skills by attending these two can’t-miss opportunities and hearing from the best Loan Officers around the country candidly discussing the keys to their success.
THE PULSE HOSTED BY VICTOR
CIARDELLI, CHAIRMAN, BI-WEEKLY
Get the inside view on the industry landscape and advice on how to win from a proven winner.
SHARING SUCCESS
FEATURING THE BEST OF THE BEST BI-WEEKLY
Hear the best practices of some of the top LOs in the country.
YOUR COMPETITIVE EDGE
We want you to have the best combination of products, competitive pricing and execution in your region. And our flexible compensation model allows you to price to your needs, providing you with ultimate control, flexibility and speed to market.
MULTI-LENDER PLATFORM
Our secondary platform gives us all the toys the big boys use while still keeping the entrepreneurial spirit alive.
• 50+ investors, including money center banks, commercial banks, private securitization and credit unions
• Direct access to Fannie Mae, Freddie Mac and Ginnie Mae with minimal overlays and servicing retained options
• Various proprietary credit and condo variances with each agency
• Multiple niche broker outlets available
COMPETITIVE PRICING
We squeeze every cent of cost out of the business and pass the savings on to borrowers. Our efficiency leads to low rates and fees while investor competition drives better pricing.
PROGRAMS
Our in-house team develops portfolio programs for conforming, jumbo, VA and FHA programs. We offer products including:
• Dream Bigger1 – Wrap new construction post-close improvements into a borrower’s mortgage
• Landscaping
• Pools
• Finished basements
• Premier Builder – Lock ‘N’ Build extended locks, Builder Appraisal Panels, Buydowns2 and Digital Mortgage Kiosks3 in builder sales centers
2
POWER OF PARTNERSHIP
What is the power of partnership? Well, here at Guaranteed Rate Affinity, we are not your typical in-house model. Guaranteed Rate Affinity is a joint venture between Guaranteed Rate, Inc. and Anywhere Real Estate, Inc. Through this joint venture, Guaranteed Rate Affinity has access to Coldwell Banker Realty’s company-owned real estate brokerage business. Because we license space in their offices, you’ll be in the best position to build strong, lasting and rewarding relationships with agents.
Our unique relationship with Anywhere Real Estate, Inc. gives you an advantage over other originators.
Our Loan Officers have the ability to work with all referral partners while gaining access to Coldwell Banker Realty’s agents through the Anywhere Real Estate, Inc. umbrella.
ACCESS
Inclusion in all office communication and opportunities to provide training and open house support
PERSONAL INTRODUCTIONS
Meetings with top 30% of agents to develop strong relationships
BRAND EXPOSURE
Signage and marketing materials within the office
1- Guaranteed Rate Affinity’s Customer Satisfaction surveys (1/1/24-12/31/24) and npsbenchmarks.com.
2- Source – Internal Production Report (1/1/24–12/31/24).
SEAMLESS TRANSITION
We know you’re concerned about the transition and it’s a big concern. That’s why we have a tried-and-true plan for a headache-free move. We’ve onboarded some of the biggest originators in the country and they haven’t missed a beat.
TRANSITION TEAM
We provide all of our new LOs a startup kit, help manage their databases and assign a Consultant Vice President to handle the licensable activities throughout the transition.
FAST RAMP-UP
Our onboarding ensures that you will have quick access to training and support from all departments.
MARKETING
Hit the ground running with a customized marketing plan, including moving announcements, a personal website and social media posts.
THE GUARANTEED RATE AFFINITY DIFFERENCE
Hopefully you’ve enjoyed this small taste of how we can help grow your business exponentially. We would love for you to join us on our next incentive trip.
