GRA Relocation Mortgages

Power of Partnership

What can Guaranteed Rate Affinity do for you?

Our dedicated team of relocation mortgage experts provides individualized support to transferees nationwide. From pre-decisions counseling to closing, we ensure that the process is as easy and stress-free as possible. We have a wide variety of mortgage programs and options and will work with your transferee to determine which type of mortgage best suits them. We're here to streamline the relocation process. Please enjoy getting to know your Relocation Team at Guaranteed Rate Affinity (GRA.) Thank you!

What makes us great

GRA has:

• Partnered with more than 300 corporations*

• Closed more than 145,000 homes*

• Financed more than $53 billion in mortgages*

• Closed on more than 23,000 homes and $9.4 billion in mortgages last year alone*

What makes us different:

• We have a customer satisfaction rating of 96% **

• We’ve donated more than $7.5 Million to the Guaranteed Rate Foundation charity***

*Data Source: Guaranteed Rate Affinity internal report, 2022.

** 96% Customer Satisfaction: Data Source: Guaranteed Rate Affinity's Client Satisfaction Surveys (Averaged 2022)

*** The Guaranteed Rate Foundation is a non-profit charitable organization pursuant to Section 501(c)(3) of the United States Internal Revenue Code. Our Federal Tax ID # is 45- 4204135. Your donation to the Guaranteed Rate Foundation may qualify for an income tax deduction in accordance with Federal and/or State income tax laws. Please consult with your tax advisor to determine whether your donation is tax-deductible in whole or in part. Nothing in this communication is intended to constitute legal or tax advice. No goods or services were forwarded or offered in exchange for this contribution. 1800 W Larchmont Ave, STE 2, Chicago, IL 60613.

Same Day Mortgage

Approvals

in as fast as 1 day * and closed in as fast as 10**

Step 1: Work with us.

Step 2: Provide us all necessary documents with 24 hours.

Step 3: That's it!

Guaranteed Rate Affinity’s Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Guaranteed Rate Affinity within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Guaranteed Rate Affinity cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Guaranteed Rate Affinity reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Self-employed 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. Not available in all states. Restrictions apply. Visit GRArate.com/same-day-mortgage for terms and conditions.

**Eligible borrowers must qualify for a "Clear to Close Loan Commitment" ("CTC”). Guaranteed Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. CTC is subject to certain underwriting conditions, including clear title and no loss of appraisal waiver, amongst others. Not eligible for all loan types or residence types. Minimum down payment requirements apply. 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. Restrictions apply.

A Powerful Brand

Guaranteed Rate Affinity is a strong national brand with great momentum. Here's why:

• Anywhere Real Estate Inc., the leading residential real estate company in the world, partnered with Guaranteed Rate Inc. to form GRA in 2017

• We currently have 980 employees, including 500+ Loan Officers

• Over 528 branches across the country and licensed in 50 states

• Major sports sponsorships across the nation and official naming rights to Chicago White Sox stadium

Nationally Recognized

(and still not satisfied)

Forbes Best Online Mortgage Lenders

Best Online Lender for FTHB

Scotsman Guide Top Lenders

Guaranteed Rate has overall #8 ranking

Bob Vila - The Best HELOC Lenders of 2022

Scotsman Guide Top Originators

Tenth year in a row with more top originators than any other company

HousingWire Awards:

2022 HousingWire TECH100 Mortgage Honorees

Crain’s Chicago Business 2022 Fast 50

The Ascent’s 2022 Mortgage Lender Awards

Best Mortgage Lender App

Inc. Magazine’s Fastest Growing Companies in the Midwest

• Guaranteed Rate Companies Ranked No. 1 Mortgage Lender on Inc. Magazine’s List of Fastest-Growing Private Companies in Midwest

• 5,000 fastest-growing companies in the U.S.

The Financial Technology Report

Top 100 Financial Technology Companies of 2022

Our parent company, Guaranteed Rate, Inc., has earned these honors.

Chicago Agent Magazine Lender of the Year

This is our seventh consecutive win

2022 Top Rated Great Nonprofit

Guaranteed Rate Foundation

NerdWallet

• Best HELOC Lenders of 2022

• Best Lenders for FHA Loans in December 2022

• 10 Best Lenders for Low- and No-Down-Payment Mortgages of 2022

U.S. News & World Report Best Rankings:

• Best Home Equity Loans of 2022

• Best Home Improvement Loans of 2022

Digital Mortgage

Your transferees process in as few as 15 minutes.

• Generates recommended loan options with real

• Advanced Asset Verification: Hassle statement gathering

• LoanBeam more accurate income analysis

• Personalized document to the process

MyAccount

A secure document portal that’s friendly and easy to use.

• Transferees can upload their documents from their computers or phones, and everything is collected in one safe, easy-to-access place

• The personalized to-do list guides next steps and necessary loan conditions

• Identifying and requesting additional documents from the transferee is quick and easy

PowerBid Approval *

Buyers can get a full underwriting credit approval before they even start looking for a home.

• Reviewed by your transferee's personalized mortgage team and can be completed in as little as four hours

• Receive a full commitment letter

• Position your transferee as a cash buyer, giving them great negotiating power to purchase the home of their dreams

*PowerBid Approval (the “Approval”) is contingent upon receipt of executed sales contract, an acceptable appraisal supporting value, valid hazard insurance policy, and a re-review of your financial condition. Guaranteed Rate Affinity. reserves the right to revoke this Approval 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/or if any information contained your application is untrue, incomplete or inaccurate. Receipt of an application does not represent an approval for financing or interest rate guarantee. Not all applicants will be approved for financing. Restrictions may apply, contact Guaranteed Rate Affinity for current rates and for more information.

Because we believe in growing for good, we have established several Employee Resource Groups to empower employees across our company.

Guaranteed Rate Companies is investing in the future of women through the programs and incentives of GROW. The Guaranteed Rate Organization of Women (GROW) is a women’s advocacy group dedicated to empowering women through mentorship, enrichment, education and encouraging support. We provide women a platform to team and exchange ideas; one that allows them to build strength and confidence to improve themselves and offer their support to women around them.

Employee Resource Groups

While many of us have supported LGBTQA organizations, we have a dream to bring that love and support to Guaranteed Rate Companies. We strive to create workplace that believes in everyone for who they are by providing a safe space for, allyship and inclusion. We work in collaboration with GROW and LEAD to promote unity and cultural sensitivity in all aspects of GR Culture. Or primary goal is to ensure that everyone feels safe, welcome and most importantly PROUD.

Our mission is to transform the mortgage industry by building future minority LEADers through recruiting, outreach and training incentives, increase minority awareness by developing community relationships to promote education around financial literacy and homeownership. We have a primary goal of fostering an inclusive and diverse work environment that will strengthen minority and non-minority relationships in corporate America.

The mission of the Veteran’s Employee Resource Group is to embrace our proud community of employee veterans who support and encourage each other through shared experiences, veteran recruitment, career development, outward engagement, professional growth and retention.

Vision: Bringing together our unique background of military service, we seek to harness these strengths to better serve our company, community and clients.

Motto: Serving Those Who Serve

• Since 2012, over $7.5 million has helped more than 1,500 individuals across the country who are struggling through unfortunate and difficult times.

• We granted $1.8 million in aid in 2021 to families, couples, children and individuals battling to make ends meet.

• 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.

The Guaranteed Rate Foundation is a non-profit charitable organization pursuant to Section 501(c)(3) of the United States Internal Revenue Code. Our Federal Tax ID # is 45- 4204135. Your donation to the Guaranteed Rate Foundation may qualify for an income tax deduction in accordance with Federal and/or State income tax laws. Please consult with your tax advisor to determine whether your donation is tax-deductible in whole or in part. Nothing in this communication is intended to constitute legal or tax advice. No goods or services were forwarded or offered in exchange for this contribution. 1800 W Larchmont Ave, STE 2, Chicago, IL 60613.

Making a direct impact in people’s lives, when they need it most. GR Foundation

Unique products for your transferee's homebuying needs

Rate Reduce

Our Rate Reduce program lets transferees pay less for a mortgage in the first three years.

• By using a seller’s concession to close the deal, our Rate Reduce program temporarily lowers your transferee’s interest rate so that their monthly mortgage payment is reduced for the first three years of the loan.

• For new construction and existing homes.

• Help your transferee ease into a new home as they build equity.

• Help your transferee free up funds for all the little things that make a new house a home.

• Every case is different, but this is an example to show you potential savings*: On a $400,000 loan, buying down the rate would lower it from 6.25% to 4.25 in year one, saving you $500 per month. A permanent buy down would lower the rate to 5.25 and save $254 per month** .

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.

Rate Reduce available from participating builders and sellers on select properties.

*Savings, if any, vary based on consumer credit profile, interest rate availability, and other factors

**Restrictions may apply. Advertised rates and APR effective as of 7/01/23 and are subject to change without notice. Above scenario assumes a first lien position, primary residence in the state of IL and a 20% down payment amount. Subject to underwriting guidelines and applicant’s credit profile. Sample payment does not include taxes, insurance or assessments. Not all applicants will be approved. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Contact Guaranteed Rate Affinity, LLC for more information and up-to-date rates.

FirstHome Plus

• Helps eligible first-time buyers get a home with down payment options as low as 3%

• Plus, they could get a lower interest rate* with a minimum credit score of 620

• 30-year fixed rate only (Primary Residence Purchase only)

• Property Types include 1–4-unit properties, SFR, Condo, PUD and Manufactured home

At least one borrower must be a first-time homebuyer (FTHB) defined as an individual is to be considered a first-time homebuyer who is at least one of the following: Buyer, Primary resident, An individual who is a displaced homemaker or single parent, hasn’t owned a home in the last three years or not on any title in the last three years

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. Restrictions may apply.

Renovation Loans

Help transferees create their own dream home.

• Remodeling a new or existing home to meet your transferee’s needs can be expensive. GRA offers cost-effective loan options to help them fund home improvement projects to make their home more functional.

• The combination of fast tech and personalized customer service allows us to find loan options that work for every unique situations, including financing home improvement projects.

• Options as little as 3% down on a single-family home, condo or townhome.

• All permanently affixed improvements allowed including “luxury” improvements such as pools and spas.

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. Restrictions may apply.

Loans for Veterans

• No lender fees on VA loans*

• VA Digital Mortgage

• Wounded Warrior Project and Team Red White & Blue

• Our VA underwriters are product experts only underwriting VA

• VA coaching Series and VetNet

Waived $1,440.00 lender fee available for VA loans that have a triggered RESPA app date as of January 1, 2023 through December 31, 2023 at 11:59pm EST. This offer does not extend to Housing Finance Agency loans. ‘Triggered RESPA’ in accordance with Regulation X, is defined as lender receipt of all six pieces of information received in a secure format; applicant name, property address, home value, loan amount, income and SSN. 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 Affinity name. Restrictions apply.

Guaranteed Rate Affinity is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans’ benefits except as authorized under Title 38 of the United States Code.

FHA

Government

loans with down payment options as low as 3.5%

• Foreign National financing opportunities

• Non-credit qualifying options

• High balance available

• In-house condo approvals

• No minimum trade requirements

• 203k renovation loans (full and streamline options)

• 203h disaster relief loans

• Minimum FICO® score requirements apply

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. Restrictions may apply.

Guaranteed Rate Affinity is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans’ benefits except as authorized under Title 38 of the United States Code.

Jumbo

Mortgages over $726,200 based on property location by county (high balance $1,089,300)

Features:

• 90% Loan to value options up to $3M with no private mortgage insurance

• 50% debt-to-income ratio

• Financing consideration up to $5M Programs

• Foreign national programs

• Interest only program Non-QM

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. Restrictions may apply.

Fixed-Rate Mortgages

Safe. Secure. Predictable.

Advantages:

• Fixed rates available for any term between 10 to 40 years

• Same payment every month

• Sound long-term investment

• Impervious to market volatility

• Ideal life situations

• People who want to put down roots

• Families seeking a good community and school for their kids

HECM* (HOME EQUITY CONVERSION MORTGAGE)

GRA's Reverse Mortgage program.

Let your clients know how their empty nest can pay for a smaller one.

A HECM for Purchase can:

• Increase purchasing power: Makes buying a higher-priced home easier to afford

• Capture new customers: Boomers don't want mortgage payments, but are hesitant to use all their assets to purchase a new home

• Sell homes faster: Customers must often wait to get the highest offer; this gives them more financial freedom to buy their house faster

*Charges such as an origination fee, mortgage insurance premiums, closing costs and/or servicing fees may be assessed and will be added to the loan balance. The loan balance grows over time, and interest is added to that balance. Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the interest on the loan. Although the loan is non-recourse, at the maturity of the loan, the lender will have a claim against your property and you or your heirs may need to sell the property in order to repay the loan or use other assets to repay the loan in order to retain the property. You should know that a reverse mortgage is a negative amortization loan which means that your mortgage balance will increase while your home equity decreases if you do not make principle and interest payments on your loan. This may make it more difficult to refinance the loan or to obtain cash upon the sale of the home. However, you will never owe more than the home is worth when the loan is repaid.

Borrower must pay taxes, fees, and insurance while maintaining the home and using it as primary residence or the loan will need to be repaid. Not available in all states. Not all applicants will be approved. Restrictions apply. Compare loan types when making a financial decision. Guaranteed Rate, Inc. is not affiliated with, nor has this material been reviewed, approved or issued by, HUD, FHA or any government agency. To find a Reverse Mortgage counselor near you go to https://entp.hud.gov/idapp/html/hecm_agency_look.cfm or call (800) 569-4287.

The Preferred Mortgage Program Employee Benefit Program

GRA's Preferred Mortgage program provides the best mortgage experience possible: incredibly low rates, fantastic customer service, and a fast, simple process.

Improving the employee experience

• In addition to great rates, receive a rebate to reduce your closing costs by up to $2,000 or more*

• Available to all non-relocation buyers from your company

• Program already being enjoyed by other corporate clients

• No cost to your company to provide benefit

• Dedicated website

• Personalized service from a dedicated home loan expert

Employees of participating employers are eligible for a lender credit equal to .5% of borrower's loan amount available through Guaranteed Rate Affinity's Relocation Team. Qualified participants must connect with the Guaranteed Rate Affinity Relocation Team via the participating employer's dedicated website or call the Guaranteed Rate Affinity Relocation Team at 800-848-9492, successfully complete a mortgage loan application, and close the mortgage loan with Guaranteed Rate Affinity, LLC. Participating employers' Human Resources departments can provide additional information about this benefit. Savings will be reflected as a lender's credit applied towards closing costs on your Closing Disclosure at time of closing. Applicant subject to credit and underwriting approval. Restrictions may apply.

*Application approval is subject to a complete underwriting review based on program guidelines. Not all applicants will qualify. Limitations may apply. This is not a commitment to lend. Savings will be reflected as a lender’s credit of 0.5% of your loan amount to be applied towards closing costs on your Closing Disclosure at time of closing.

License CL-1598647. (1141671-20220218)