Guaranteed Rate Happy Book

Guaranteed Rate

The best get it done even in the toughest market. And no mortgage company has more of the best, top-rated Loan Officers.* By embracing positivity, we Grow for Good, lead the industry and build the best business.

*According to Scotsman Guide’s Top Originators, 2022

Automatic Marketing

Your contacts are everything. Transform your network into your sales force. Ignite your database to not only use you again and again, but also refer you to all their friends and family. At Guaranteed Rate we have the best-practice model to constantly stay in front of your network in multiple ways— without having to do all the work yourself.

Social Media

Consistently show up in your network’s newsfeed.

+ Sign up for GR Social, and 12-15 posts per month that are engaging and relevant will be posted to your Facebook, Twitter and LinkedIn by our Social Media Team

+ Learn useful tips and tricks to help grow your own social accounts

+ Generate conversation and leads with the help of our social media experts

Building Partnerships

The best way to grow your referral partner business begins with selecting the right agents. Once you’ve selected the right agents, meet them face-to-face and demonstrate the real benefit you can provide to them. That’s how to build a value-based relationship that allows both of your businesses to grow.

Building

Partnerships We make it easy for you to be a rainmaker

Silver Swan

This amazing tool helps you identify the top agents in your market.

+ Silver Swan is our proprietary technology that enables you to uncover and categorize every agent in the market

+ Recruit the agents you aren’t working with and who would fit you best

+ Focus on the top 20% of agents who do 80% of the business in your market

Building Partnerships We make it easy for you to be a rainmaker

Event Planning

Work can be fun if you’re working with the right agents.

+ Our in-house Events Team handles all the details

+ From selecting the venue and choosing the type of event to creating and sending invitations, the team has you covered from start to finish

+ The key is to throw events with a comfortable feel so that your guests feel welcome and actually have fun

+ 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

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

Biz Dev Team

Let us make the calls for you.

+ Our Business Development Managers do the recruiting activities that you don’t want to do, like cold calling agents

+ If an agent you have selected doesn’t attend the event, then the Biz Dev Team will invite them to coffee or lunch for you

+ An average of 50 calls are made for each VP per day

+ Your attention can be devoted to building the relationship, rather than on the little tasks

Product Name

Agent Advantage Program

Aenean eu leo quam. Pellentesque ornare sem lacinia quam

agents close more deals.

+ Etiam porta sem malesuada magna mollis euismod. Cras mattis consectetur purus sit amet fermentum.

+ Build a true partnership based on real value by using our Agent Advantage binder with over 30 pages of ways we can support agents

• Etiam porta sem malesuada magna mollis euismod. Cras mattis consectetur purus sit amet fermentum.

+ Show them how you can help them look good to their customers

+ Etiam porta sem malesuada magna mollis.

+ Etiam porta sem malesuada magna mollis euismod. Cras mattis consectetur purus sit amet fermentum.

+ Set the stage for building a partnership that grows together

• Etiam porta sem malesuada magna mollis euismod.

+ Cras mattis consectetur purus sit amet fermentum.

Demonstrate the tangible benefits of how you can help

+ Simplify the loan process with a single expert handling both the processing and underwriting

+ Put your clients on track to close in as fast as 10 days,** thanks to CTCs as fast as 24 hours*

+ Incentivize buyers to provide paperwork on requested timeframe with a $250 lender credit*

+ Meet sellers’ need to move their homes fast, giving you more negotiating power and higher overall client satisfaction

*The Guaranteed Rate FastTrack is available from 5/1/22 through 11:59 PM, 8/31/22 provides that eligible borrowers will receive a “Clear to Close Loan Commitment” (“CTC”) within twenty-four business hours from Guaranteed Rate’s receipt of all necessary borrower documentation. Guaranteed Rate, Inc. reserves the right to revoke this “CTC” at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation and the offer could change at any time without notice. CTC is subject to certain underwriting conditions, including clear title and no loss of ap-praisal waiver, amongst others. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within twenty-four business hours of receipt. Not eligible for all loan types or residence types. Down payment restrictions may apply. Eligible for primary and second homes. 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. Borrower’s interest rate will depend upon the specific characteristics of borrower’s loan transaction, credit profile and other criteria. Offer not available from any d/b/a or operations that do not operate under the Guaranteed Rate name. $250 Closing Cost Credit applied at closing, no cash value and cannot be combined with any other offer. Not available in New York, West Virginia, Kentucky, or Texas refinances. Restrictions apply. Contact Guaranteed Rate for more information.

**Guaranteed Rate cannot guarantee that an applicant will be approved or that a closing can occur within a specific timeframe. All dates are estimates and will vary based on all involved parties’ level of participation at any stage of the loan process. Contact Guaranteed Rate for more information.

Loan Status Monitor

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

+ Know exactly what’s going on with every customer

+ Full transparency with 24/7 access to all loans in process online and in your inbox

+ Opt into text notifications so you’re always in the loop even when you’re on the go

+ Our team is always available to talk on the phone

FlashClose SM

+ 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

+ Eligible borrowers can use FlashClosesm E-Close* to complete a fully digital, paperless closing—no need to meet with a notary in person, the closing is completed entirely online

*FlashClose E-Close not available in AK, AR, CA, CT, DE, GA, HI, LA, MA, NC, OR, RI, SC, WV, WY

Not eligible for all loan types or investors. Conventional loans only. Eligible for primary, 2nd home and investment properties. 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. Title company restrictions may apply, contact Guaranteed Rate for current rates and for more information.

HELPING YOU GROW YOUR BUSINESS

MonitorBase

Technology

that knows when 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 it’s a good time to reach out

OP E N H OUS E

162 PI N E GLA D E S D R

JAC K S O N, W Y 83001

L I S T E D AT $3,250,000

This cutting edge development is a unique combination of location, convenience, quality and ease of access which represent an unprecedented value in Jackson mountain contemporary finishes and a private setting in a mature conifer forest on Snow King Mountain with stunning Teton and valley views. Through the vision of the project developer, the Pine Canyon town homes have been designed and built with utmost attention to detail and maxi-mum sensitivity to the natural setting found anywhere in the valley Hardwood floors, pental quartz countertops and cabinetry with integrated appliances are just a few of the touches that contribute to the refined elegance that is Pine Canyon.

NON CON FO RMIN G, 20% DOW N

Rate/APR 4.250% (APR 4.336%)

Mortgage payment $5,049.29 Tax, Insurance & HOA $638 75 Total monthly $5,688 04

Down payment $167,800 00

NONCONFORMING, 20% DOWN

Rate/APR 4.250% (APR 4.336%)

Mortgage payment $5,049.29

Tax, Insurance & HOA $638 75

Total monthly $5,688 04

Down payment $167,800.00

Having Fun

We know how to throw a party.

+ Our events team can help set up co-hosted happy hours, customer appreciation parties, agent networking events and more

+ We can come up with the ideas and handle all the details—all you have to do is show up

+ 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

What is the Proactive POD?

A best-practice platform built to provide you, your customer and referral partners the easiest and most efficient way to close loans—utilizing state-of-the-art technology, a smart workflow process and best-of-the-best employees who are compensated for both speed and quality. Managed correctly by you, the Vice President of Mortgage Lending, our model will enable you to exponentially grow your business.

Best Online Mortgage Lender

Proactive POD Elevates the loan officer experience

YBR

Your loan command center.

+ Our real-time automated pipeline management tool enables efficiency and facilitates POD communication

+ The Loan Profile view shows you key loan details, color-coded status boxes and actionable contact information

+ Curated, role-specific work queues and dashboards organize workload and prioritize files that require immediate action based on proven prioritization logic

+ Task lists, including underwriting conditions, allow for full transparency of tasks completed—no more printing stacks of checklists

+ Performance monitoring metrics based on time-to-task give you the ability to assess your team’s efficiency and drive down closing times

Vice President Roles and Responsibilities

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

+ Gets out of day-to-day loan activities and focuses on $500 / hr vs. $40 / hr jobs

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

Key Tools and Processes

+ Toto: Our mobile tech fully enables you to manage your pipeline and edit pre-approvals

+ Loan Summary lets borrowers compare multiple loan options

+ Loan Status Monitor provides real-time status updates for you

Production Manager Roles and Responsibilities

+ 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

Key Tools and Processes

+ YBR: Your 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

Elevates

experience

FlashCloseSM + Closing funds are sent the day before every purchase so no one is left waiting for a wire + The closing package is sent the day before, and Guaranteed Rate Closers make a personal call to the title company closer or attorney to ensure they have everything they need + FlashClose allows customers to review their closing package and digitally sign their docs in advance of closing

Reduces anxiety, gives customers peace of mind and saves everybody time at the closing

Eligible borrowers can use FlashClose E-Close* to complete a fully digital, paperless closing—no need to meet with a notary in person, the closing is completed entirely online

Our Vibe We are a company with grit and soul, driven by a team of relentlessly positive individuals intent on building and becoming the #1 mortgage lender in the nation.

The Best

In trying financial times, people look to the best to guide them through. That’s what we do. With more of the best, top-performing Loan Officers in the country--more than any other bank or mortgage company--we have the expertise, the best people and the best technology to rise above the market. Join us, and be part of the best.

Core Values

Headline Here

We live our values every day, professionally and

Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum. Integer posuere erat a ante venenatis dapibus posuere velit aliquet. Fusce dapibus, tellus ac cursus commodo, tortor mauris condimentum nibh, ut fermentum massa justo sit amet risus. Vivamus sagittis lacus vel augue laoreet rutrum faucibus dolor auctor. Donec sed odio dui.

+ 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.

personally.

Calls You Can’t Miss

+ Sharing Success: Weekly coaching calls where the best VPs in the country share personal stories of success and how they did it

+ Secret Sauce: Deep-dive into sales tools, best practices and keys to success with the country’s #1 producing VP

+ Pulse Calls: Recurring calls hosted by Victor Ciardelli where the executive team provides tools to help you leap-frog your competition

+ President’s Club Calls: Regular opportunities for you to provide honest and transparent feedback on how we can serve you better

Family Circle

+ A special program for anybody closing between $10 million–$30 million and anybody closing 40+ units

+ What is your #1 goal: A better quality of life? More volume? More money? We provide coaching and best practices to get you there

+ You have a voice: Regular calls with our CEO Victor Ciardelli and our Executive Team give you the opportunity to tell us your pain points and issues that are specific to this group…so we can fix them

+ Ongoing sales contests generate healthy competition and reward top volume and unit loan officers among the group

We will help you reach your goal, whatever it is.

Soul Club

+ Represents anybody closing between $0–$10 million who is eager to grow their business

+ Our CEO, Victor Ciardelli, and our Executive Team provide business development best practices to help you leverage the unique GR model

+ VPs who have grown their business from this level using the GR platform share how they did it

+ Ongoing sales contests generate healthy competition and reward top volume and unit loan officers among the group

Reaching your potential begins with a shift in mentality and a team that’s got your back.

GROW

Fighting unconscious bias

+ The Guaranteed Rate Organization of Women (GROW) was created to support the growth of every woman in the company, while pushing change in our industry

GROW offers:

+ Dedicated monthly calls with industry leaders—get tips and advice from experts to better yourself and your career

+ Annual GROW conference with guest speakers and workshops

+ Exclusive GROW meetings at President’s Club trips

+ Mentorship program with leaders in the company

with a conscious collaboration.

Diversity & Inclusion

We’re committed to representing the communities in which we live and work as well as have a goal of being the go-to lender for all communities. Here are just a few ways we are working towards this goal:

+ Fostering inclusion company-wide through the implementation of employee-resource groups:

+ LEAD (Leadership, Equality & Development)

+ GROW (Guaranteed Rate Organization of Women)

+ PROUD (Our LGBTQIA+ leadership team)

+ Investing in executive leadership with the hiring of a National Diverse Segments Director

+ Supporting Hispanic loan officers and their customers with bilingual operations staff who assist with the mortgage process from application to closing

+ Expanding our Spanish-language marketing library, giving Hispanic loan officers more opportunities to market to referral partners and customers

+ Partnering with nonprofits and trade organizations, such as NAHREP and NAMMBA, to better service communities of color and be more involved at a local level

+ Providing entry-level experience and career training through our one-of-a-kind excelRate and GR University programs

We’re a little different.

GR Foundation

Headline Here

impact in

+ Since 2012, over $6.6 million has helped more than 1,500 individuals across the country

+ We granted $1.8 million in aid in 2021

+ The average recipient receives $18,263 in forms of grants for rent, car payments, groceries or additional assistance

+ 100% of Foundation costs are covered by Guaranteed Rate, so every penny donated helps those who need it most

Making a direct

people’s lives, when they need it most.

Guaranteed Rate 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. NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • AL - Lic# 21566 • AK - Lic#AK2611 • AR - Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283 • AZ - Guaranteed Rate, Inc. - 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254 Mortgage Banker License #0907078 • CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #4130699 • CO - Guaranteed Rate, Inc. Regulated by the Division of Real Estate, 773-290-0505 • CT - Lic #17196 • DE - Lic # 9436 • DC - Lic #MLB 2611 • FL - Lic# MLD1102 • GA - Residential Mortgage Licensee #20973 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • HI - Lic#HI-2611

Macaw appraisal waiver eligibility requirements vary by investor and state and may be subject to additional restrictions. Subject property must not have or be required to obtain an appraisal by law. Cash-out refinance’s, property values over $1M, manufactured homes, coops and others are not eligible for approval. Please contact your Guaranteed Rate Loan Officer for full list of ineligible loan types. Applicant subject to credit and underwriting approval. Not all properties will be approved for Macaw appraisal waiver. Not all applicants will be approved for financing. Contact Guaranteed Rate for more information and current rates. Any finding provided through API is a preliminary finding. Final appraisal waiver eligibility shall be provided once a mortgage application is submitted to a Loan Product Advisor.