We think of you as an executive.

Proper Rate is an independent mortgage company established in partnership with Guaranteed Rate and @properties. Proper Rate provides high-level service to our clients and reflect the best cultures in the industry.

The firm leverages the technology, systems, and support that have made Guaranteed Rate one of the nation’s leading mortgage lenders, while providing personalized services from a select group of experienced, top-producing loan originators with strong ties to @properties.

@properties is a company that’s all about service, relationships, innovation, and of course culture. Proper Rate is no different. You and your clients will receive the best service, best technology, and of course competitive rates. We strongly encourage you to partner with Proper Rate to offer your clients a seamlessly integrated real estate transaction and a great overall experience.

Managed correctly by you, the VP of Mortgage Lending, our Proactive POD

I know you’re busy and your calendar is full. But how much time do you spend on business development? On the sales-related activities that drive revenue? The problem for most loan officers is that they are too involved in getting their loans closed.

Our dynamic marketing system enables you to maximize the number of closings from your database by properly marketing to your past customers, friends, family and people who know and like you….without you having to do all the work yourself.

We’ve seen it over and over again: loan officers like you come here and see their business hit whole new levels. And they’re having more fun, because they’re doing what they’re great at.

We’re pleased to offer top-notch customer service, the best loan products available and a mortgage experience that will change the way your clients think about home buying. Furthermore, as you learn more about us, you’ll see that Proper Rate is the best mortgage lender for growing your business and your quality of life.

Victor Ciardelli Chairman of Proper Rate President & CEO of Guaranteed Rate

Sales:

The first time Dan Moran helped a client realize the dream of homeownership, he was hooked on the mortgage business. Two decades later, Moran serves as Proper Rate’s Executive Vice President, where his passion for helping people buy homes comes through in building, supporting and mentoring an elite team of customer-focused loan officers. A big believer in the integration of technology and personal service, Dan is excited to be a part of a company that puts equal emphasis on leading the industry in both categories.

Ops:

A second-generation mortgage professional, Traci has over 25 years in business and 20 years in management in both Sales and Operations. She is truly passionate about homeownership and partnering with customers to provide them with the most elite experience, from point-of-sale to closing.

Jo Ann Theriault-Fazio Steve Levitt SVP of Mortgage Lending Branch Manager VP of Sales Performance

Jen Pyrczak Chris Louis SVP of Processing SVP of Closing

CEO Mindset™: Our Philosophy

You are the CEO of your business and should be doing $500/hour rainmaking activities, not wasting your time on $40/hour tasks. We take the day-to-day chores off your shoulders, so you can focus on what’s important.

Be a rainmaker.

What is the Proactive POD?

A best-practice platform built to provide you, your customers and referral partners the easiest and most efficient way to close loans—utilizing state-ofthe-art technology, a smart workflow process and best-of-the-best employees who are compensated for both speed and quality.

TOTO: Your pipeline in your pocket

+ Our mobile app enables you to fully manage your pipeline and edit pre-approvals on your phone.

YBR: Your loan command center

+ Our real-time automated pipeline management tool has dashboards, role-specific work queues, task lists and chat messaging.

Delegates and audits using PR technology

VICE PRESIDENT

+ Delegate tasks so you can spend 80% of your time on rainmaking activities and 20% leading the team.

PRODUCTION MANAGER

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

Processing Team

+ Specialized processing roles (Mortgage Consultant & Loan Coordinator) allow individuals to master their jobs.

Underwriting And Closing

+ Provides you a concierge-level of service with less layers of management.