The Happy Path streamlines the customer experience.

We think of you as an executive.

Make things better for your customers and easier for your team.

Digital Mortgage

Online loan application

+ Your customers can price their own loan, select their preferred product, complete the loan application, and run automated underwriting—providing a complete 1003 and saving you time.

Myaccount

Secure document portal and automation tools

+ Customers can upload documents, stay in the know, and complete payments with a guided task list, tailored to their loan.

+ Your customers can review their uploaded documents, past loan information, your contact information, and more—all in one place.

+ We’ve automated the mortgage process with automated disclosures, income analysis, pay stubs, W-2s, bank statements, account check, and auto-pull of VOE’s.

+ Complete payment tasks and application fees with a guided task list, tailored to your loan.

FLASHCLOSESM*

We’ve changed the game: Now closings take minutes, not hours.

+ Customers can review and digitally sign most documents prior to the closing appointment. + At the closing, just a few remaining documents need to be signed, saving everybody time.

We make your life easier.

Stay in front of your customers, family, friends and referral partners with 16-20 touches per month, without having to do it all yourself.

Social Media

+ Opt-in to PRSocial and we will post 3+ posts automatically per week on social media

Email Campaigns

Sign-up for automatic e-mail campaigns that will keep you top-of-mind with your database

Red Arrow Connect

Your contacts are everything.

DIGITAL RETARGETING

+ Personalized digital retargeting ads will follow your web visitors with up to 15x after they visit your webpage

Transform your network into your sales force. Our optimized CRM and marketing platform makes it simple to constantly stay in front of your network in multiple ways—without having to do all the work yourself. You’ll have access to an expansive library of print, web and social media marketing for single-branded and co-branded collateral.

Own your market.

Buzz with efficiency—let us do the work for you!

Branded Items

+ Have branded items on hand for every situation: charging stations, dog bowls outside restaurants, and water bottles for showings and open houses.

PROPER RATE

GUARANTEED GOODS

+ Our online promo store offers everything you need to brand your events, gift your customers, and promote you and the Proper Rate vibe.

CLIPBOARDSM

+ Set up guest check-in on any device— phone, tablet or laptop—and the info automatically syncs to your database

IN-HOUSE EVENTS TEAM

We handle all the details.

Our Events Team can help you plan co-hosted happy hours, customer appreciation parties, agent networking events and more. We take care of everything—from selecting the venue to sending the invitations.

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

From a full array of loan options to running pricing from your phone, we do everything to make your job easier.

MULTI-LENDER PLATFORM

+ Direct lender to Fannie, Freddie, and Ginnie

+ Proprietary credit and condo variances

JUMBO LOAN

EXPERTS

+ 15+ jumbo lenders

+ In-house jumbo delegated underwriting

+ We have our own jumbo products

AWESOME LOCK OPTIONS

+ Extended locks

+ Flexible extension options

+ Expansive investor rate renegotiation policies

Jo Ann Theriault-Fazio

SVP of Mortgage Lending/Branch Manager Bannockburn, IL

NMLS: 112837

2022 volume: $44,434,554

The

Mike Nielsen Chicago, IL

NMLS: 223614

2022 volume: $107,085,981

“

At Proper Rate, the process is seamless. I grew my volume 125%.

Drew Boland

Denver, CO

NMLS: 222913

2022 volume: $123,981,958

We’re changing the mortgage business for good.

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%. The creation of the Guaranteed Rate organization of Women (GROW) has been instrumental in supporting the growth of every woman in the company; while pushing for change in our industry.

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

We grow for good.

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.

The Guaranteed Rate Companies Foundation

The Guaranteed Rate Companies 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 2022, we granted over $701K in aid.