Guaranteed Recruiting Book

The best deserve to work

with the best.

We have the most elite sales force in the mortgage industry.

More Loan Originators in the Top 1% than any other mortgage lender in the country. (Mortgage Executive Magazine, 2/12) More Top 200 Originators in the country than any other mortgage lender. (Scotsman Guide, 4/12)

America’s Fastest Growing Mortgage Company

Welcome and thank you for your interest in Guaranteed Rate.

Guaranteed Rate is one of the largest and fastest growing independent residential mortgage companies in the country. Since our founding eleven years ago, we have grown every year with the simple idea of providing our originators with the best possible tools to support their business. Our strategy is focused on recruiting and supporting seasoned loan officers and giving them the best marketing and technology available to be successful. Our loan officers have an exceptional platform on which to originate loans and are able to offer mortgage products at every pricing level.

Guaranteed Rate is optimally positioned both financially and operationally to rapidly grow market share in the coming years, solidifying our place as the premier mortgage company in the country.

Guaranteed Rate has over 1,500 employees, is licensed in 46 states and originated over $6.9 billion in retail production in 2011. We have also been recognized as having the most loan originators in both the Top 1% nationally (Mortgage Executive) and Scotsman Guide Top 200 Originators than any other mortgage company in the country. In addition, our customer surveys consistently have satisfaction scores in excess of 97% month-to-month and our repeat and referral business continues to grow exponentially.

Our business model emphasizes Realtor® relationships and financing purchase transactions. Some of the enclosed materials are an example of the creative marketing approaches our loan officers use to help our Realtor® partners grow their own purchase business as well as expand the reach of our brand. We continually invest in technology, operations and training to streamline the entire mortgage process from application to closing. These investments yield higher productivity, faster closings and a high rate of referrals particularly from our Realtor® partners.

Please take time to review the attached materials which provide background on our company and demonstrate Guaranteed Rate’s commitment to providing the optimal mortgage experience for our business partners and customers. Our team at Guaranteed Rate is committed to helping you grow your business and excel in your career. Your success is of the utmost importance and we will provide you the assistance and resources required to achieve your goals. Thank you again for your interest in Guaranteed Rate.

Sincerely,

Victor Ciardelli President & CEO

Victor Ciardelli

President and CEO

Victor Ciardelli III, CEO and President of Guaranteed Rate, is widely acknowledged as a leading innovator in the mortgage industry. Since founding Guaranteed Rate in 2000, Victor has successfully navigated the company’s growth through various market environments while maintaining an emphasis on integrity, productivity and customer service. Structuring Guaranteed Rate around the simple idea of offering consumers low rates, along with a transparent and streamlined residential mortgage experience, Victor has grown Guaranteed Rate into one of the most successful residential mortgage lenders in the country.

Victor’s disciplined approach towards managing the business has enabled Guaranteed Rate to thrive despite the significant volatility in the mortgage environment over the last several years.

Guaranteed Rate has increased loan volume and revenue each year since its inception, while significantly growing consumer recognition and brand awareness in the markets it serves.

Under Victor’s leadership, Guaranteed Rate has earned a reputation for being a revolutionary and reliable lender, funding over $6.9 billion in loans in 2011 alone. Since 2000, Guaranteed Rate has funded over $34 billion of mortgages for over 100,000 households.

Featured in Crain’s Chicago magazine’s list of the Largest Privately Held Companies three years running, Guaranteed Rate was recognized for having the largest increase in revenue growth for 2009 – an astounding 80% increase. In addition, Guaranteed Rate currently has the most Loan Originators in the top 1% (Mortgage Executive) and in the Top 200 in Scotsman Guide than any other mortgage company in the country.

Our Growth

10 Year Growth..2,604%

Loan Volume (Year End)..$7 Billion

Our Offices: Scottsdale, AZ Wilmington, DE Auburn, CA Belmont, CA Campbell, CA Capitola, CA Long Beach, CA Norco, CA San Diego, CA Valencia, CA Westlake Village, CA Boulder, CO Denver, CO Washington Depot, CT Waterbury, CT Boca Raton, FL Clearwater, FL Fort Myers, FL Plantation, FL Ponte Vedra Beach, FL

Bannockburn, IL Buffalo Grove, IL Chicago, IL (5 locations) Downers Grove, IL Naperville, IL (2 locations) Northbrook, IL Oak Brook, IL Palos Hills, IL Park Ridge, IL Schaumburg, IL Smithton, IL South Barrington, IL Dyer, IN Goshen, IN Valparaiso, IN Belmont, MA Boston, MA Danvers, MA Franklin, MA Rockland, MA

Troy, MI Bloomington, MN Forest Lake, MN Plymouth, MN Princeton, MN Slayton, MN St. Louis Park, MN St. Paul, MN Chesterfield, MO Kirkwood, MO Las Vegas, NV Nashua, NH Cedar Knolls, NJ Cherry Hill, NJ Freehold, NJ Hammonton, NJ Hoboken, NJ Lambertville, NJ Lyndhurst, NJ Madison, NJ

Marlton, NJ Middletown, NJ Mount Arlington, NJ North Wildwood, NJ Ocean City, NJ Parsippany, NJ Tuckerton, NJ Woodbridge, NJ Garden City, NY Chapel Hill, NC Cornelius, NC Durham, NC Hendersonville, NC Matthews, NC Raleigh, NC Wilmington, NC (2 locations) Winston-Salem, NC Allentown, PA Bensalem, PA

Chester Springs, PA King of Prussia, PA Kingston, PA Lords Valley, PA Milford, PA Philadelphia, PA Plymouth Meeting, PA East Greenwich, RI Newport, RI Knoxville, TN Dallas, TX Midvale, UT Fairfax, VA Barre, VT Essex Junction, VT Woodstock, VT Vancouver, WA Brookfield, WI

In The News

Lender of the Year 2010&2011

• “Lender of the Year” • Tribune’s list of the Best Places to Work • Inc. 5000’s list of the Fastest Growing Private Companies in the United States • Crain’s List of the Fifty Fastest Growing Companies five years running • Mortgage Executive Magazine for having the Most Top 100 Originators Nationally, Greatest Number of Originators in the Top 1% in America • Guaranteed Rate the #3 Mortgage Company in America based on origination volume

National Ad Campaigns

2008 2009 2010 2011

Guaranteed Rate had a record number of

Top Originators in the Country!

We have more Loan Originators in Scotsman Guide’s top 200 than any other company in the country.

Guaranteed Rate is a licensed mortgage lender in 46 states and closed over $6.9 billion in 2011.

We help our loan officers achieve their goals with the best possible tools to support and grow their business. Our Top Originators enjoy low rates and excellent product breadth, as well as outstanding social media, marketing and business development support.

We have the best retail platform in the country for helping our Loan Originators grow their business. Contact one of our regional managers below and we’ll be happy to show you how.

North East Terry Baker P: 508.277.1325 TBaker@guaranteedrate.com

South East/South West Michael Lee P: 708.752.8390 Michael.Lee@guaranteerdrate.com

Mid Atlantic Bard Conn P: 617.875.6576 Bard.Conn@guaranteedrate.com

Pacific Northwest Jason Oelrich P: 425.526.6793 Jason.Oelrich@guaranteedrate.com

Mountain States Derek Bamonte P: 303.861.5402 Derek.Bamonte@guaranteedrate.com

PA, NJ, DE George Allen P: 609.294.4455 George.Allen@guaranteedrate.com

MI, WI, MN Al Gelschus P: 952.806.5021 Al.Gelschus@guaranteedrate.com

Florida Rich Romano P: 561.702.1276 Richard.Romano@guaranteedrate.com

So. California Trent Annicharico P: 760.310.6008 Trent@guaranteedrate.com

MD, VA Steve Cors P: 609.294.4333 Stephen.Cors@guaranteedrate.com

Nevada/Arizona /Northern CA Jeff Lake P: 847.972.5702 Jeff.Lake@guaranteedrate.com

New York Dennis Raico P: 516.513.5444 Dennis.Raico@guaranteedrate.com

IL, IN, OH Joe Phalen P: 773.290.0308 Joe.Phalen@guaranteedrate.com

3940 N. Ravenswood Chicago IL 60613

Harinder S. Johar

Shimmy Braun

Joe Caltabiano

2011 Loan Volume: $203,987,953 2011 Scotsman Guide Ranking: 4

2011 Loan Volume: $196,659,161 2011 Scotsman Guide Ranking: 6

2011 Loan Volume: $183,378,309 2011 Scotsman Guide Ranking: 11

Joe Smith

Allyson Kreycik

Ricardo Brasil

2011 Loan Volume: $121,511,948 2011 Scotsman Guide Ranking: 30

2011 Loan Volume: $118,425,395 2011 Scotsman Guide Ranking: 33

2011 Loan Volume: $110,347,392 2011 Scotsman Guide Ranking: 40

Brian Jessen

Hong Geng

Paul Hirschauer

2011 Loan Volume: $100,145,762 2011 Scotsman Guide Ranking: 52

2011 Loan Volume: $83,167,209 2011 Scotsman Guide Ranking: 81

2011 Loan Volume: $83,152,024 2011 Scotsman Guide Ranking: 82

Steve Siwinski

Michael Bischof

Ben Cohen

2011 Loan Volume: $77,795,514 2011 Scotsman Guide Ranking: 91

2011 Loan Volume: $77,665,555 2011 Scotsman Guide Ranking: 93

2011 Loan Volume: $76,208,912 2011 Scotsman Guide Ranking: 96

Jon Altizer

Li Li

Baret Kechian

2011 Loan Volume: $75,124,118 2011 Scotsman Guide Ranking: 100

2011 Loan Volume: $66,939,550 2011 Scotsman Guide Ranking: 127

2011 Loan Volume: $64,603,977 2011 Scotsman Guide Ranking: 142

Dan Gjeldum

Leslie Struthers

Joe Summers

2011 Loan Volume: $64,109,606 2011 Scotsman Guide Ranking: 145

2011 Loan Volume: $63,817,319 2011 Loan Volume: $61,118,431 2011 Scotsman Guide Ranking: 147 2011 Scotsman Guide Ranking: 173

www.joingrnow.com

NMLS (Nationwide Mortgage Licensing System) ID 2611 • 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 # BK-0907078 • CA - Licensed by the Department of Corporations under California Residential Mortgage Lending Act Lic #413-0699 • CO - To check the license status of your mortgage loan originator, visit http://www. dora.state.co.us/real-estate/index.htm • CT - Lic #17196 • DE - Lic # 9436 • DC - Lic #MLB 2611 • FL-Lic# MLD618 • GA - Residential Mortgage Licensee #20973 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • ID - Guaranteed Rate, Inc. Lic #MBL-5827 • IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 • IN - Lic #11060 & #10332 • IA - Lic #MBK-2005-0132 • KS - Licensed Mortgage Company - Guaranteed Rate, Inc. – License #MC.0001530 • KY - Mortgage Company Lic #MC20335 • LA - Lic #RML2866 • ME - Lic #SLM1302 • MD - Lic #13181 • MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611 • MI - Lic #FR-0016637 & SR-0011899 • MN - Lic #MO 20526478 • MS - Lic # 4453/2009 - 3940 N. Ravenswood Ave., Chicago, IL 60613, Licensed by the Mississippi Department of Banking and Consumer Finance • MO - Lic # 101744 • MT Lic#2611 • Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance • NE - Lic #1811 • NV - Lic #3162 & 3161 • NH - Guaranteed Rate, Inc. dba Guaranteed Rate of Delaware, licensed by the New Hampshire Banking Department - Lic # 13931-MB • NM - Lic #01995 • NY - Licensed Mortgage Banker - NYS Banking Department - 3940 N Ravenswood, Chicago, IL 60613 Lic # B500887• NC - Lic #L-109803 • ND - Lic #MB101818 • OH – Lic #MBMB.850069.000 and Lic #SM.501367.000 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • OK - Lic # MB001713 • OR - Lic #ML-3836 - - 3940 N. Ravenswood Ave., Chicago, IL 60613 • PA - Licensed by the Pennsylvania Banking Department Lic #20371 • RI – Rhode Island Licensed Lender Lic # 20102682LL, RI – Rhode Island Licensed Loan Broker Lic # 20102681LB• TN - Lic #2958 • TX - Lic #50426 & Lic # 47207 • UT - Lic #7495184- • VT - Lic #LL6100 & MB930 • VA – Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769 • WA - Lic #CL-2611 • WI - Lic #27394BA & 2611BR • WV – Lic #ML-30469 & MB-30098 • WY – Lic#2247

www.joingrnow.com

Sam Sharp 2011 Loan Volume: $60,619,764 2011 Scotsman Guide Ranking: 174

Christin Luckman

Robert Faust

2011 Loan Volume: $60,050,816 2011 Loan Volume: $58,049,970 2011 Scotsman Guide Ranking: 178 2011 Scotsman Guide Ranking: 191

2011 Presidents Club Winners This elite club recognizes its top producers that reach $30 million or more in loan volume.

Harinder Johar Shimmy Braun Joe Caltabiano Ricardo Brasil Brian Jessen Hong Geng Paul Hirschauer Steven Siwinski Michael Bischof Ben Cohen Jon Altizer Li Li Daniel Gjeldum Leslie Struthers Joe Summers Sam Sharp Christin Luckman Michelle Bobart Michael Dunsky Matt Tierney JD Cortese Richard Romano Jo Ann Theriault-Fazio Christopher Knapp Randy Ernst Jeffrey Slater Jamie Simpson

$203,987,953.00 $196,659,161.00 $183,378,309.00 $110,347,392.00 $100,145,762.00 $83,167,209.00 $83,152,024.00 $77,795,514.00 $77,665,555.00 $75,826,662.00 $75,124,118.00 $66,939,550.00 $64,109,606.00 $63,817,319.00 $61,118,431.00 $60,619,764.00 $60,050,816.00 $53,448,762.00 $52,629,684.00 $52,558,197.00 $51,255,003.00 $46,251,493.00 $46,085,851.00 $45,712,510.00 $42,549,190.00 $42,544,175.00 $40,792,772.00

We reward our members for achieving this status with an all-inclusive, allexpense paid trip to a 5 star resort.

Previous locations have included: Playa Del Carmen Dominican Republic Punta Cana Cancun

Rick Parrish Leo Neidetcher Mark Shippie Todd Marguerite John Johnson Joel Schaub Joseph Antonios Doug Smith Jarret Coleman John Noldan Carrie Bertsos Don Carroll Domenico Giannone Derek Bamonte Adam Odonnell Jeffrey Baker John Kirpanos David Fisher David Polarek Drew Boland Michael Gambatese Erik Johansson Chris Devin Andrew Greenstein Michael Nielsen Brian Salomon Jonathan Jerotz

$40,385,697.00 $40,670,072.00 $40,250,352.00 $39,923,002.00 $39,587,306.00 $39,309,792.00 $37,368,630.00 $34,223,786.00 $33,803,674.00 $33,785,089.00 $33,614,916.00 $33,553,566.00 $33,490,890.00 $33,026,895.00 $32,928,649.00 $32,866,545.00 $32,785,333.00 $32,670,573.00 $32,397,841.00 $32,129,219.00 $30,933,589.00 $30,933,520.00 $30,695,842.00 $30,247,832.00 $30,117,906.00 $30,034,689.00 $30,007,610.00

why

Guaranteed Rate?

Answers to why Top Originators and Company Owners join GRI Guaranteed Rate is a licensed mortgage lender in 44 states and closed over $6.9 billion in 2011. In 2010, 20 Guaranteed Rate loan officers were featured in Scotsman Guide’s Top Originators list.

We are Currently Seeking Regional Manager Candidates.

For further details contact Michael O’Donnell at 773.328.6460 or Michael.ODonnell@guaranteedrate.com

Shimmy Braun Senior Vice President of Mortgage Lending 2010 Funded Loan Volume: $225,789,808 2010 Scotsman Guide Ranking: 4 Why Guaranteed Rate?

Derek Bamonte Former Owner: Mountain Crest Mortgage 2010 Funded Loan Volume: $279,733,505 Personal Production 2010: $61,194,858 2010 Scotsman Guide Ranking: 157

Sam Sharp Senior Vice President of Mortgage Lending 2010 Funded Loan Volume: $74,604,201 2010 Scotsman Guide Ranking: 108

Why Guaranteed Rate?

Why Guaranteed Rate?

• Ability to originate directly with Fannie Mae and Freddie Mac, plus in-house underwriting and aggressive rates.

Guaranteed Rate’s processing system places our company ahead of the competition. From start to finish, the loan moves in a methodical and efficient system of checks and balances that allows the loan officer to close the loan transaction in a seamless manner.

Another advantage is that Guaranteed Rate is a large company that retains the feel of a small boutique shop; you can always speak directly to the people who run the show at Guaranteed Rate and they actually listen and treat you with respect.

• Proven systems to help grow our LOs’ business.

Having obtained close to $1.5 billion in personal closed volume over the past 11 years, Guaranteed Rate has given me the platform to utilize my talents and strengths to become a top loan officer on a local and national level. The combination of the most aggressive rate offerings and correspondent/broker relationships has given me a leg up on my competitors. Our marketing department is amazing. Whether it’s e-mails, postcards or a billboard on the highway, it’s always creative and gets the phones ringing.

The management team at Guaranteed Rate is second to none. They are accessible, flexible and knowledgeable, and they recognize that our input is valuable and important. The environment is one of a family trying to succeed; competition between the LOs is friendly with a true will for all to do their best.

• Strong compliance department that oversees the constantly changing regulatory environment — and allows me to sleep much better!

• Executive management team who sees operations from an LO’s perspective, as opposed to a bank board who does not understand our industry.

• Ability to originate in multiple states.

Guaranteed Rate offers the most competitive rates and product selection available. Whether it’s Conventional, Jumbo, FHA or our in-house portfolio products, I am always able to offer my clients low rates and the best finance options.

www.joingrnow.com

If you’d like to reach out to one of these loan officers, or learn more about Guaranteed Rate, please contact the Regional Manager in your market: North East- Terry Baker P: 508.277.1325 TBaker@guaranteedrate.com

Mid West/North West - Al Gelschus P: 952.806.5021 Al.Gelschus@guaranteedrate.com

Nevada/Arizona /Northern CA- Jeff Lake P: 847.972.5702 Jeff.Lake@guaranteedrate.com

Mountain States- Derek Bamonte P: 303.861.5402 Derek.Bamonte@guaranteedrate.com

So. California - Trent Annicharico P: 760.310.6008 Trent@guaranteedrate.com

Illinois - Brian Weis P: 773.290.0591 Brian.Weis@guaranteedrate.com

Mid Atlantic/South East/South WestMichael Lee P: 708.752.8390 Michael.Lee@guaranteerdrate.com

Products and Pricing Guaranteed Rate has developed the deepest lending platform in the country. No independent lender offers more products at a more competitive price. With our unique blend of Agency Direct, National Bank, and Regional Bank relationships, Guaranteed Rate can compete in any market with any lender. Our Loan Officers can always find a program for our clients and referral sources at a great rate. Loan Officers are free to use our in-house underwriting and correspondent lenders for conventional, Jumbo or government programs, or for those truly unique products, they have the option of using one of our many portfolio lenders. In addition to the many banks we do business with, we also are a direct seller to FNMA and Freddie Mac. These relationships have given our LOs access to lending programs that other banks can’t or won’t offer. Below is a summary of our product offerings along with some program highlights.

Conforming Options • 15 Correspondent Lenders available • Up to 10 financed properties for 1 borrower • 97% financing available • Direct lender with Fannie/Freddie • DU Refi Plus and Freddie Mac Open Access programs available with and without MI • Blended Ratios (LP) • Guaranteed Rate warrants all Condominiums through internal condo department • Co-ops • Condo - 51% Pre-Sale requirements with CPM approval • Purchases on properties owned < 90 days with unlimited increase in sales price FHA • 12 fully delegated underwriters on staff • 9 correspondent lenders available • FICO down to 620 on purchase transactions • FHA High Balance Available • In house condo approvals • No minimum trade line requirements • 90 day purchase flips OK with unlimited increase in value VA • 4 fully delegated underwriters on staff • 9 correspondent lenders available • IRRLs available • VA High Balance available

Joe Caltabiano

Top Producer 2010 Funded Volume: $167,235,956 Scotsman Guide Ranking: 17 Aggressive pricing- Guaranteed Rate is constantly trying to improve their pricing. Whether it is working with our correspondent lenders to give us better pricing or selling direct to Fannie Mae or Freddie Mac, there is nothing more important than having a market leading conforming price. We shop multiple lenders everyday to be sure we live up to our name.

USDA • 3 Correspondent lenders available • FICO down to 620 Jumbo Options • 10 Correspondent Lenders available • 16 Wholesale/Portfolio Lenders available • Non-warrantable condos • 90% LTV with NO MI on Condo/SFR • Loan amounts up to $979,750 in Agency High Cost areas • Loan amounts up to $667,000 in all other areas • 80% LTV/85% CLTV to $1M • 75% LTV/80% CLTV to $1.5M • Loan amounts up to $10M • FICOs down to 660 for self-employed borrowers • FICOs down to 680 for W2 borrowers • In-house underwriting • 50% DTI • Co-ops and Condo-tel financing • Foreign National Programs • Pledged Assets Programs • Asset Depletion Programs • Vesting in LLC or Corporations • Unlimited Aceage Options • Unlimited Financed Property Options • Second homes with some rental income

Matt Tierney

SVP of Mortgage Lending 2010 Funded Volume: $61,932,296 Scotsman Guide Ranking: 153 Excellent product breadth - I don’t lose any deals because products are not available. Feels good to know that I can be a resource for my referral sources and I have the programs and pricing to meet their needs

Processing Support Guaranteed Rate’s process support (POD Flow) is the impetus for the company’s success. For any company to be successful, regardless of the industry, a solid work flow must exist. Every industry has specific needs for its flow. Guaranteed Rate’s revolutionary POD Flow is unique to the mortgage industry. Benefits include higher productivity, happier employees and consistent customer satisfaction.

The processing flow that Guaranteed Rate has built has always been focused on two things: 1. Provide the best customer service available to our borrowers and referral sources, and 2. Develop the most efficient work flow in the industry that will allow a LO to focus on what they do best, selling.

Our processing staff works directly with our LOs as a team and is managed by sales. Our process is sales driven. Sales are not driven by operations. We provide our LOs with high quality personnel and focus on removing the day-to-day tasks that can slow down a LO from originating new business. We understand that high quality LOs want to originate new loans, not process loans in the pipeline.

Joe Caltabiano

Top Producer 2010 Funded Volume: $167,235,956 Scotsman Guide Ranking: 17 Sales driven organization- Every couple months, the top 30+ loan officers, along with the CEO, COO, National Sales director, etc. get together to discuss what is going on with the company. Whether it’s underwriting, closing, IT or pricing, no topic is off the table. The goal of the meetings is to fix anything that needs fixing in order for loan officers to be able to do more loans. There is no other company of this size that does anything like that.

Michael A. Gambatese

VP of Mortgage Lending 2010 Funded Volume: $33,431,683 Scotsman Guide Ranking: 153 The POD platform that GRATE provides is unlike any other mortgage company. My support staff/team has clearly defined roles, which allows me to remain out in the field generating and cultivating new business.

This ultimately makes me more successful than my competition.

Technology Guaranteed Rate is committed to growing an individual’s business by utilizing the most advanced technologies. We give originators the resources and support they need to leverage their business with ease. Guaranteed Rate has implemented a number of tools, all at a loan officer’s fingertips.

By successfully navigating through the dynamic world of technology, we give the advantage to originators, clientele, and networking partners.

Consumer Friendly Online Applications At Guaranteed Rate, we know that today’s consumer is technically savvy. So while most lenders simply provide an online form allowing a consumer to complete the mortgage application that’s followed up with a call or email to move the process along, Guaranteed Rate is investing in the latest technology and redefining the online mortgage application process.

Automated Pre-Approval E-mail Campaigns We recognize that sometimes borrowers need a call to action; Guaranteed Rate gives them the attention they deserve, automatically. The first few steps in the loan process are done for the loan officers with our new pre-approval email campaign.

Partner Xchange Guaranteed Rate is committed to giving back to our agents by allowing them to connect with more buyers and sellers. The Guaranteed Rate Partner Xchange is designed to help networking partners by giving them instant online access to a variety of marketing tools at little-to-no cost.

By partnering with an agent, a loan officer can offer them the best co-branded marketing products available to help increase sales and foster their relationships. Each marketing product is customized and at the agents’ full disposal. Co-branded materials that can be easily accessed include postcards, transaction envelopes, newsletters, and much more. By decreasing the cost and increasing the availability of these resources, our agents are able to stay in touch with their current clients, and generate new ones.

Launching

Partner Xchange

Social Media At Guaranteed Rate, we know that customers need to be communicated with in many ways.

Social media has become an essential medium for contacting clients. In response, we have put the tools in place to help our loan officers build leads through social media. We know that when social media is implemented correctly, our loan officers are able to create personal connections with a large audience while showcasing their expertise to the online community.

In-House Social Media Staff Our dedicated social media staff provides you with one-on-one counseling to help you apply any new ideas to your social media sites and provides you with weekly tips to improve your sites.

Facebook Fan Pages

We set up every loan officer with their own Facebook Fan Page and help them develop a targeted fanbase.

LO Blogs

We post new articles daily with mortgage news, changes and tips that are streamed directly to your personal Guaranteed Rate blog.

YouTube

Our in-house video production will help you create professional videos to post on our corporate channel and your own social sites.

LinkedIn Groups

Customized LinkedIn groups have been designed for only Guaranteed Rate loan officers to communicate and develop relationships with various referral partners.

We customize each social media experience to the needs of the loan officer. So whether youâ&#x20AC;&#x2122;re a novice to social media, not very interested in it or on social media 24/7, we know how to make social media fit into your business style.

why

Guaranteed Rate?

Answers to why Top Originators and Company Owners join GRI Guaranteed Rate is a licensed mortgage lender in 44 states and closed over $6.9 billion in 2011. In 2010, 19 Guaranteed Rate loan officers were featured in Scotsman Guide’s Top Originators list.

Joe Caltabiano Vice President of Mortgage Lending 2010 Funded Loan Volume: $167,235,956 2010 Scotsman Guide Ranking: 17 Why Guaranteed Rate?

Aggressive Pricing – Guaranteed Rate is constantly trying to improve its pricing. Whether it is working with our correspondent lenders to give us better pricing or selling direct to Fannie Mae or Freddie Mac, there is nothing more important than having a market-leading conforming price.

We shop multiple lenders every day to be sure we live up to our name.

Jeffrey Slater Former Owner BancGroup Mortgage 2010 Funded Loan Volume: $513,704,616 Personal Production 2010: $64,207,624 2010 Scotsman Guide Ranking: 142

Michael Bischof Former Owner Biltmore Financial 2010 Funded Loan Volume: $268,000,000 Personal Production 2010: $134,351,202 2010 Scotsman Guide Ranking: 28 Why Guaranteed Rate?

Retain 80% to 90% of your upside income potential (as compared to being an owner) and eliminate 100% of your downside risk that goes along with ownership.

Allow entrepreneur to regain focus on personal loan production, which is what, oftentimes, led them to becoming an owner in the first place.

Why Guaranteed Rate?

Outstanding Marketing Support – automated database management and marketing, event planning, professional marketing support pieces Excellent Pricing and Products – access to a variety of investors both correspondent and broker Competitive Commission Structures – maintain high levels of payout on each deal

Ability to lend in 44 states should give a seasoned loan originator a 10-20% boost on their personal loan production.

The Guaranteed Rate support system allows originators to focus on their own unique ability within the business. Others in the support system can focus on their own unique ability as specialists, which complement and grow your business efforts.

Sales Driven Organization – Every couple months, the top 30+ loan officers along with the CEO, COO, National Sales director, etc., get together to discuss what is going on with the company.

Whether it’s underwriting, closing, IT, pricing – no topic is off the table. The goal of the meetings is to fix anything that needs fixing in order for loan officers to be able to do more loans. There is no other company of this size that does anything like that.

Multiple Lender Platform – Having over 50 correspondent and broker relationships, along with being a direct seller to Fannie and Freddie gives me access to nearly every mortgage product available. Whether it is helping a borrower get a loan before they start their new job or doing a loan in a condo that isn’t 50% sold, I know that if a product exists anywhere I will have access to it. There is nothing worse than referring another loan officer a loan at a different company because you don’t have the program. That doesn’t happen to me!

www.joingrnow.com

If you’d like to reach out to one of these loan officers, or learn more about Guaranteed Rate, please contact the Regional Manager in your market: North East- Terry Baker P: 508.277.1325 TBaker@guaranteedrate.com

Mid West/North West - Al Gelschus P: 952.806.5021 Al.Gelschus@guaranteedrate.com

Nevada/Arizona - Jeff Lake P: 847.972.5702 Jeff.Lake@guaranteedrate.com

Mountain States- Derek Bamonte P: 303.861.5402

So. California - Trent Annicharico P: 760.310.6008

Illinois - Brian Weis P: 773.290.0591

Mid Atlantic/South East/South WestMichael Lee P: 708.752.8390 Michael.Lee@guaranteerdrate.com

Marketing Solutions Our innovative marketing tools and database-driven campaigns allow loan officers to effortlessly grow their business and strengthen their existing client and Realtor® relationships.

Loan officers at Guaranteed Rate have a variety of marketing tools and services at their fingertips. From database driven marketing campaigns to co-branded Realtor® partner materials, there are dozens of ways to build your business and reinforce existing relationships, along with a dedicated in house marketing staff to support you!

Monthly Database Campaigns Submit your database, sign up for a campaign, and you’re all set! Automated campaigns allow marketing to go out on your behalf on a monthly or weekly basis without needing to manually do it yourself.

Steve Siwinski

Buffalo Grove, IL 2010 Funded Volume: $80,926,692 Scotsman Guide Ranking: 89 Monthly mailers, email blasts to your database and referral partners, holiday cards, birthday cards; every trick in the book, they accommodate you and support your growth. Everything at Guaranteed Rate is selflessly focused on you and your personal success.

Joe Phalen

Naperville, IL 2010 Funded Volume: $91,551,722 Scotsman Guide Ranking: 65 It’s like having your own personal marketing team working specifically for you. By taking care of my email lists and keeping in constant touch with all my referral partners for me, I’m able to spend more time focusing on closing loans and making new sales.

Marketing Solutions

Co-Branded Postcards Don’t worry about the details! Our marketing team works with you to design, print and email glossy postcards that are co-branded with you and your Realtor®’s contact information.

Co-Branded Flyers This database of marketing material offers fast solutions for any marketing problem you may find yourself in, helping you advertise yourself in a quick and professional manner.

Just Listed/Just Sold Co-Branded Postcards Our marketing team works with you to capture listing data, produce a targeted mailing list and mail postcards.

Marketing Solutions

Onboarding/Start-Up Marketing When transitioning to Guaranteed Rate, we understand the need to get up and rolling as fast as possible. Our regional managers reach out to you before you even start on the job and continue to work with you one-on-one throughout your tenure at Guaranteed Rate. Business cards, moving emails and postcard announcements, personal websites, signatures and a marketing kit with samples are just a few of the items that will be created for you to ensure a seamless transition.

Launching

Partner Xchange

Online Tools to Drive Real Estate Sales Enjoy Magazine Custom Flyers Mortgage Application Status Mortgage Calculators News & Videos Service Provider Client Referral Exchange Find an Agent

Get Started Today!

Enroll online for free and take advantage of: Personalized magazine for your clients, loan status updates, mortgage calculators, dashboard of real estate news/videos and discounts through our affiliated service providers.

Enjoy Magazine

Custom Flyers

Loan Status Monitor

Monthly, digital, & personalized to send to your clients.

Create branded custom flyers at no cost.

Get real-time loan status updates.

www.guaranteedrate.com/agent â&#x2014;? Call 855.565.2236 for a demonstration

Business Development Guaranteed Rate has built an extensive Business Development team and plan that supports our loan officers to help them continually grow their business and referral base. In addition to the marketing support and social media initiatives detailed throughout this brochure Guaranteed Rate also provides our LOs with truly unique training and event planning support.

Our event team will help organize, schedule, and recruit for LOs’ local events.

Even more exciting is our new program: “Be the Man or Woman in Your Market” program. This program has been designed to help any LO double their purchase production in their market.

The program has been designed by some of the country’s most successful LOs and, if followed, will undoubtedly help take an LO to new levels of personal production and growth.

Events Department Planning events is a fun, exciting way to interact with your referral sources in an effort to build your business! We’ve come up with some fun and successful party ideas to make planning your next event stress and hassle free. Select your favorite package and supply the events team with the necessary information to get your party started! Every package can be tailored to your individual needs.

Steve Siwinski

Buffalo Grove, IL 2010 Funded Volume: $80,926,692 Scotsman Guide Ranking: 89 Guaranteed Rate Business Development has a program set up to double ANY originators purchase volume in the next twelve months.

The fundamentals of this program are dead on. Every loan officer that participates will be coached and held accountable to what they do each day, week or month and guided to succeed. It’s not important who you are or how much volume you do, everyone can and will do more business with the help of a business development coach.

Jeff Slatter

VP of Mortgage Lending 2010 Funded Volume: $33,431,683 Scotsman Guide Ranking: 153 Outstanding market support. The marketing department handles all promotional and marketing pieces with a simple “yes” from the loan officer. Event planning from Open House Lunches to seminars and parties are all done in-house. Professional marketing pieces are readily available for loan officers to utilize as an enhancement for sales efforts.

why

Guaranteed Rate?

Answers to why Top Originators and Company Owners join GRI Guaranteed Rate is a licensed mortgage lender in 46 states and closed over $6.9 billion in 2011.

Employees from Metlife Home Mortgage recently joined Guaranteed Rate; this is what some of them had to say.

Joe Smith Senior Vice President of Mortgage Lending 2011 Funded Loan Volume: $121,511,948 Why Guaranteed Rate?

The drive, leadership and energy of the management team and the support teams are inspirational.

The operations staff has a singular focus: manufacturing high-quality loans at a high volume with outstanding customer service.

The processing flow implemented at Guaranteed Rate removes the requirements so many lenders place on originators to collect docs and conditions before they can submit a file. This process frees up originators to do what they do best, “Produce more loans.” It is a simple, highest and best use philosophy that is their blueprint for success.

Allyson Kreycik Senior Vice President of Mortgage Lending 2011 Funded Loan Volume: $118,425,395 Why Guaranteed Rate?

After working over a decade at large banks, I wanted a lender that focused not only on just the mortgage business, but also on the service experience for the customer. I saw with Guaranteed Rate that not only did it offer the most aggressive platforms in the industry, but also due to its size and leadership, it was agile. That meant that if a program or product was missing – it got created. From technology and systems, to interest rates and available programs, to marketing and sales support, Guaranteed Rate was the best fit for my career and for my customers’ home financing needs. When I entered this business, it was because I loved finance and wanted a job where I could help people with theirs. I am excited to work for a company that shares the same goals.

The origination platform is unparalleled. The pricing model takes your loan parameters, cross references lender guidelines and provides you with an investor ranking that enables you to provide the lowest rate available to your borrower based on their qualifications.

Bard Conn Regional Manager Former District Manager at MetLife Home Mortgage Why Guaranteed Rate?

Having worked for some of the largest brands in the mortgage industry over the past 25 years, I decided that I wanted a lender dedicated to the products that I sold.

I felt it was key to find a mortgage banker that was solely focused on mortgages and placed emphasis on consistent product innovation, competitive pricing and complete dedication to the customer and referral source experience. Mainly, I wanted to work with good people who shared my core values.

I was lucky enough to find that company and those people at Guaranteed Rate.

We are Currently Seeking Regional Manager Candidates. For further details contact Michael O’Donnell at 773.328.6460 or Michael.ODonnell@guaranteedrate.com If you’d like to reach out to one of these loan officers, or learn more about Guaranteed Rate, please contact the Regional Manager in your market: North East - Terry Baker P: 508.277.1325 TBaker@guaranteedrate.com Bard Conn P: 617.875.6576 bard.conn@guaranteedrate.com

MI, WI, MN- Al Gelschus P: 952.806.5021 Al.Gelschus@guaranteedrate.com

IL, IN, OH- Joe Phalen P: 773.290.0308 Joe.Phalen@guaranteedrate.com

Florida- Rich Romano P: 561.702.1276 richard.romano@guaranteedrate.com

So. California - Trent Annicharico P: 760.310.6008 Trent@guaranteedrate.com

Mid Atlantic/South East/South West- Michael Lee P: 708.752.8390 Michael.Lee@guaranteerdrate.com

MD, VA- Steve Cors P: 609.294.4333 stephen.cors@guaranteedrate.com

Mountain States - Derek Bamonte P: 303.861.5402 Derek.Bamonte@guaranteedrate.com

Nevada/Arizona /Northern CA- Jeff Lake P: 847.972.5702 Jeff.Lake@guaranteedrate.com

Pacific Northwest- Jason Oelrich P: 425.526.6793 Jason.Oelrich@guaranteedrate.com

New York- Dennis Raico P: 516.513.5444 Dennis.Raico@guaranteedrate.com

www.joingrnow.com

PA, NJ, DE- George Allen P: 609.294.4455 George.Allen@guaranteedrate.com

why

Guaranteed Rate?

Answers to why Top Originators and Company Owners join GRI

Guaranteed Rate is a licensed mortgage lender in 46 states and closed over $6.9 billion in 2011.

Guaranteed Rate acquired the assets of Superior Mortgage Corp., adding 300 employees in 20 offices in Pennsylvania, New Jersey and New York.

We’ve profiled employees below on why they made the transition.

Stephen M. Cors Senior Vice President, Regional Director Former Owner Superior Mortgage Corp.

Robert E. Faust Senior Vice President of Mortgage Lending 2011 Funded Loan Volume: $55,877,020 Why Guaranteed Rate?

I spent twenty years of my mortgage career with one company: Superior Mortgage Corp. When I joined Guaranteed Rate in February 2012, I was immediately impressed with the access to the best mortgage programs available nationwide.

The availability of added premiere investors gives me the ability to offer my clients more viable options to meet their mortgage financing needs.

Working in partnership with the Guaranteed Rate staff has given me the opportunity to grow my pipeline with approvable loans. Our processing, underwriting and closing review of mortgage files are done locally with the same goal: “to exceed our client’s expectations” by quickly moving the file from application to closing.

Guaranteed Rate’s Management Team is the most innovative in the mortgage industry. They have developed tools and a process that is uniquely theirs - and it works. It is my great pleasure to be associated with Guaranteed Rate.

Baret Kechian Branch Manager 2011 Funded Loan Volume: $64,504,477 Why Guaranteed Rate?

I joined Guaranteed Rate in February after managing a branch for 13 years with Superior Mortgage. The GRI programs and pricing available have already helped me put in a number of loans that I would not have been able to do before. Being able to compete with the large banks and provide superior service keeps me at the top of my market. In addition to their pricing, the fact that we can sell direct to Fannie and Freddie has been a huge help in streamlining the process, while not overloading my clients with documentation that they don’t need. With the marketing programs and paperless system available to me, I foresee my branch and I having a lot of success for years to come and will be growing our volume for the rest of the year.

Why Guaranteed Rate?

After 25 years of success as Founder and CEO of Superior Mortgage, I accepted a position as SVP, Regional Manager for Guaranteed Rate Inc. and introduced 140 loan officers to a lending platform that I believe will bring more success to everyone. The mortgage business has changed a lot, especially in the past 5 years, and I was looking for a lending platform that would re-energize the sales force by providing the best combination of product, price and process. Guaranteed Rate understands what top loan producers need to succeed and they put together the package to deliver it. Even at our size, lending an average of $1.5 billion per year, Superior did not have all of the tools we needed to be ahead of our competitors in the years to come. Now we do.

If you are a Top Producer, Branch Manager or Company Owner interested in learning if Guaranteed Rate is right for you please contact me.

609.294.4333.

We are Currently Seeking Regional Manager Candidates. For further details contact Michael O’Donnell at 773.328.6460 or Michael.ODonnell@guaranteedrate.com NMLS (Nationwide Mortgage System) ID 2611 AR Lic#103947 - Guaranteed Rate, Inc. 3940 Chicago IL 60613Guaranteed 866-934-7283• AZRate, - Guaranteed Rate, Inc. - 14811 N. the Kierland Blvd., Ste. 100, Scottsdale, AZ, Mortgage Banker License If you’d likeLicensing to reach out to •one of these loan officers, orN Ravenswood, learn more about please contact Regional Manager in85254 your market: # BK-0907078 • CA - Licensed by the Department of Corporations under California Residential Mortgage Lending Act Lic #413-0699 • CO - To check the license status of your mortgage loan originator, visit http://www.dora.state.co.us/real-estate/index.htm • CT - Lic FloridaRich Romano 561.702.1276 IN,Chicago, OH- Joe Phalen WI, MN-Mortgage Al Gelschus 952.806.5021 North P: 508.277.1325 #17196 • DE - Lic #East9436 Terry • DC -Baker Lic #MLB 2611 • FL-Lic# MLD618 • GA MI, - Residential LicenseeP:#20973 - 3940 N. Ravenswood IL, Ave., IL 60613 • IDP:-773.290.0308 Guaranteed Rate, Inc. Lic #MBL-5827 • IL - Residential MortgageP:Licensee - IDFPR, 122 South richard.romano@guaranteedrate.com TBaker@guaranteedrate.com Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940Al.Gelschus@guaranteedrate.com N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 • IN Joe.Phalen@guaranteedrate.com - Lic #11060 & #10332 • IA - Lic #MBK-2005-0132 • KS - Licensed Mortgage Company - Guaranteed Rate, Inc. – License #MC.0001530 KY - Mortgage Lic617.875.6576 #MC20335 • LA - Lic #RML2866 • ME - Lic -#SLM1302 • MD - Lic #13181 • MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage 2611 VA• MISteve - Lic #FR-0016637 & SR-0011899 • MN - Lic Cors P: 609.294.4333 South East/South WestMichael Lee Broker License MC MD, So. California Trent Annicharico P: 760.310.6008 Mid• AtlanticBardCompany Conn P: #MO 20526478 • MS - Lic # 4453/2009 - 3940 N. Ravenswood Ave., Chicago, IL 60613, Licensed by the Mississippi Department of Banking and Consumer Finance • MO - Lic # 10-1744 • MT Lic#2611 icensed in NJ: Licensed Mortgage Banker - NJ Department stephen.cors@guaranteedrate.com P: 708.752.8390 Michael.Lee@guaranteerdrate.com Trent@guaranteedrate.com bard.conn@guaranteedrate.com of Banking & Insurance - NE - Lic #1811 • NV - Lic #3162 & 3161 • NH - Guaranteed Rate, Inc. dba Guaranteed Rate of Delaware, licensed by the New Hampshire Banking Department - Lic # 13931-MB • NM - Lic #01995 • NY - Licensed Mortgage Banker - NYS NewChicago, York- Dennis Pacific NorthwestOelrich P:- 3940 425.526.6793 Nevada/Arizona /Northern Jeff Lake Mountain StatesDerek Bamonte 303.861.5402 Banking Department - 3940 N Ravenswood, Chicago, ILP:60613 Lic # B500887• NC - Lic #L-109803 • ND - LicCA#MB101818 • OH – Lic #MBMB.850069.000 and LicJason #SM.501367.000 N. Ravenswood Ave., IL 60613 Raico • OK - P: Lic516.513.5444 # MB001713 • OR - Lic Dennis.Raico@guaranteedrate.com Jason.Oelrich@guaranteedrate.com #ML-3836 -Derek.Bamonte@guaranteedrate.com - 3940 N. Ravenswood Ave., Chicago, IL 60613 • PA - LicensedP: by847.972.5702 the Pennsylvania Jeff.Lake@guaranteedrate.com Banking Department Lic #20371 • RI – Rhode Island Licensed Lender Lic # 20102682LL, RI – Rhode Island Licensed Loan Broker Lic # 20102681LB• TN - Lic #2958 • TX - Lic #50426 & Lic # 47207 • UT - Lic #7495184- • VT - Lic #LL6100 & MB930 • VA – Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769 • WA - Lic #CL-2611 • WI - Lic #27394BA & 2611BR • WV – Lic #ML-30469 PA, NJ, DE- George Allen P: 609.294.4455 & MB-30098 • WY – Lic#2247 3940 N. Ravenswood Chicago IL 60613

George.Allen@guaranteedrate.com

www.joingrnow.com

NMLS (Nationwide Mortgage Licensing System) ID 2611 • 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 # BK-0907078 • CA - Licensed by the Department of Corporations under California Residential Mortgage Lending