Over the past 90 days, the Marketing department has successfully launched multiple high-impact campaigns across Retail, Product and Consumer Direct channels. The campaigns have come alive through RAC, paid channels, organic social, the LO Social Program, Evocalize and beyond.
This PDF highlights the creative work that came out of these campaigns.
Retail Campaig s
Jumbo C mp ign
Yep C mp ign
Refim ni
Clickb it R tes
The “R te r te” C mp ign
R te Alert Soci l
R te Alert Soci l – GRA Versioning
Customiz ble RAC Templ tes
Loa Products
Dream Bigger
Investment Loans
Investment Loans – JV Versioning
Low Down Payment
ew Construction
GreenLiving Energy Efficient ortgage
GreenLiving – JV Versioning
Regional Champaign Doctor’s Program
VA arketing Campaign
Affordability Reskin RAC Campaign
Rate Drop Refi Assets
Evocalize Fall Affordability Campaign
Evocalize Fall Affordability Campaign –
JV Versioning
Co sumer Direc
CD Refi ntegr ted C mp ign
N tion’s F stest HELOC
ntegr ted C mp ign
HELOC October P id Soci l C mp ign
Consumer Direct P rtner Em ils
Convention l Purch se ncomplete
Applic tions Em il C mp ign
R te.com Ret rgeting M il
PAL Refresh Em il C mp ign
Service Retention niti tives
Product Specific Refi Em ils
Owning F ll P id Soci l
Retail Campaigns
Jumbo
We’re kind of a big deal in jumbo. (Just ask agents.)
JUMBO - FAST
RAC FLYERS
Yep! Non-QM
YEP! NON-QM RAC CONSUMER SOCIAL (CONTINUED)
RAC CONSUMER FLYERS
RAC AGENT FLYER
Refimania
Click bait rates
In a sea of sketchy lenders luring customers with seductively-low mortgage rates, Rate stands as an anchor of trust and stability. We bring this dynamic to life by alerting customers to the “rate and switch” tactics of our competitors in a fun and straightforward way.
Avoid clickbait rates
Get your custom rate quote today
Hey [Customer's Name],
With rates dropping, now is the time to find the perfect mortgage. But beware: many lenders advertise super-low rates to lure you in only to surprise you with hidden fees and fine print later.
Smell phishy? You deserve better. At Rate, we’re committed to giving you the truth with a custom rate quote built just for you. No gimmicks or clickbait — just a straightforward rate that’s trustworthy, transparent and tailored to you.
Why settle for less? It's quick, easy and won’t impact your credit score with soft pull.*
Visit Rate.com or give me a call today. The right rate is just a click away. Get your custom rate
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Rate rate
This campaign emphasizes RATE's commitment to transparency and honesty in mortgage offers, particularly as interest rates drop. It warns customers about other lenders who use low rates to attract attention but hide fees and conditions.
RATE sets itself apart by offering a custom rate quote with no hidden surprises, providing a straightforward, trustworthy option tailored to each customer. The process is quick, easy, and won’t impact credit scores with a soft pull, encouraging customers to visit Rate.com or call for their personalized quote.
Rate - RAC Email
Hey [Customer's Name],
With rates dropping, now is the time to find the perfect mortgage. But beware: many lenders advertise super-low rates to lure you in only to surprise you with hidden fees and fine print later.
You deserve better. At Rate, we’re committed to giving you the truth with a custom rate quote built just for you. No gimmicks or clickbait — just a straightforward rate that’s trustworthy, transparent and tailored to you.
Why settle for less? It's quick, easy and won’t impact your credit score with soft pull.*
Visit Rate.com today or give me a call today. The right rate is just a click away.
Our Rate Alert tool is set up to make refinancing easier than ever by allowing customers to go into a form, fill out their savings goal, and then automatically get alerted that it’s time to refi when their savings goal hits.
We are looking for the homeowners that bought their home in the recent high interest rate environment, knowing that they were paying a little extra to get in the home at that time, but thinking that when rates go down, I can take advantage of the low rates when they come back. This is that time.
We want customers to think “Rate is monitoring my savings goal on my behalf to ensure I don’t miss out on the refi I’ve been waiting for”.
GRA Rate Alert Social
Our Rate Alert tool is set up to make refinancing easier than ever by allowing customers to go into a form, fill out their savings goal and then automatically get alerted that it’s time to refi when their savings goal hits.
We are looking for the homeowners that bought their home in the recent high interest rate environment, knowing that they were paying a little extra to get in the home at that time, but thinking that when rates go down, I can take advantage of the low rates when they come back. This is that time.
We want customers to think “Guaranteed Rate Affinity is monitoring my savings goal on my behalf to ensure I don’t miss out on the refi I’ve been waiting for.”
This campaign is activated through Corporate social, RAC social, and the LO Social Program.
Loan Products
Dream Bigger Campaign
Builders are facing increasing competition and may be losing out on sales due to restrictions on the upgrades they can offer. Rate’s Dream Bigger program allows Builders to provide their buyers with a financing option where the upgrades they want are rolled into the same loan as their mortgage.
The campaign comes to life through RAC social, RAC print and RAC email and gives Loan Officers a new way to grow their relationships with Builders.
Investment Loans
Property investors often face challenges securing financing due to complex income documentation requirements.
This campaign targets first-time and existing investors, as well as agents who work with clients interested in real estate investments. We offer tailored loan options that cater to unique income sources, helping investors scale their passive income. It is executed through RAC social, RAC print, and RAC email.
RAC Emails: Consumer and Agent
Investment Loans
Property investors often face challenges securing financing due to complex income documentation requirements.
This campaign targets first-time and existing investors, as well as agents who work with clients interested in real estate investments. We offer tailored loan options that cater to unique income sources, helping investors scale their passive income. It is executed through RAC social, RAC print, and RAC email.
RAC
Consumer and Agent
RAC Emails: Consumer and Agent
Investment Loans
Property investors often face challenges securing financing due to complex income documentation requirements.
This campaign targets first-time and existing investors, as well as agents who work with clients interested in real estate investments. We offer tailored loan options that cater to unique income sources, helping investors scale their passive income. It is executed through RAC social, RAC print, and RAC email.
RAC Emails: Consumer and Agent
Investment Loans
Property investors often face challenges securing financing due to complex income documentation requirements.
This campaign targets first-time and existing investors, as well as agents who work with clients interested in real estate investments. We offer tailored loan options that cater to unique income sources, helping investors scale their passive income. It is executed through RAC social, RAC print, and RAC email.
RAC Emails: Consumer and Agent
Low Down Payment Campaign
Aspiring homeowners facing financial challenges, especially those concerned about the high cost of a down payment.
This campaign targets homebuyers and agents working with clients who need low down payment options in order to obtain homeownership. We pave the path of homeownership by offering a wide array of low down payment options. This campaign comes to life through RAC social, RAC print, and RAC email.
Low Down Payment Campaign
New Construction
In today’s tight housing market, new construction is increasingly appealing as an alternative buying option due to its customizability, energy efficiency and lower maintenance costs.
This campaign targets consumers frustrated by low inventory and real estate agents looking for viable solutions to close new construction deals. It is executed through RAC social, RAC print, and RAC email.
NEW CONSTRUCTION
RAC
Flyers: Consumer and Agent
RAC Emails: Consumer and Agent
GreenLiving: Energy Efficient Mortgage Campaign
Homebuyers often face high energy costs and contribute to environmental pollution.
This campaign targets homebuyers and agents working with clients interested in sustainable living and energy-efficient homes to reduce monthly utility costs. We offer a unique loan option to finance both energy efficient improvement costs and mortgage into one loan. It is executed through RAC social, RAC print, and RAC email.
Green upgrades. Energy savings.
All in one home loan.
Get all the upsides of GreenLiving.
Need an easier way to make the home you’re buying energy efficient? With GreenLiving rom Rate, it can happen sooner than you think
Buy the house you love and fix it up right away Because
GreenLiving gets you financed or you energy improvements and a mortgage payment, all in the same loan. No more wasting time shopping around or separate loans.
It s easy to achieve the energy-conscious li estyle that s important to you ill out one simple applicatio
Save on monthly utility bill
Use or heating, cooling, appliances, solar, insulation and mor
Increase the value o your home
Live the green lifestyle you love.
Contact me to learn more
Windows doors
Email: Agent & Consumer
Let’s go!
Rate’s GreenLiving program offers a way for homebuyers to roll energy-efficient improvement costs right into their mortgage. Whatever their home improvement needs, they can start upgrading sooner than they think.
73% of buyers in today’s market say they’d consider purchasing a fixer upper because of the potential for a lower listing price.
Over 50% of real estate agents say clients looking to purchase a home express interest in sustainability.
For agents, it’s your advantage. With an easier way to go green, buyers can see energy efficiency potential even in older homes or even fixer-uppers. And you can offer them more inventory at better price points.
Get them the green home and savings they’re looking for.
All in one home loan.
Explore the upsides of GreenLiving.
Need an easier way to make the home you’re buying energyefficient? With GreenLiving from Rate, it can happen sooner than you think.
Get financing for energy improvements and a mortgage, all in one loan. Rate’s GreenLiving program gets you to the more energy-conscious lifestyle that’s important to you at the same time you purchase your home.
Get going on improvements and start to see benefits
On simpl applicati n av n m nthly utility bill
Us f r h ating, c ling, applianc s, insulati n and m r
Incr as th valu f y ur h m
See how easy it is to achieve the lifestyle and savings you love!
Let’s go! BASIC-S
more!
GreenLiving: Energy Efficient Mortgage - GRA
Homebuyers often face high energy costs and contribute to environmental pollution.
This campaign targets homebuyers and agents working with clients interested in sustainable living and energy-efficient homes to reduce monthly utility costs. We offer a unique loan option to finance both energy efficient improvement costs and mortgage into one loan. It is executed through RAC social, RAC print, and RAC email.
GreenLiving: Energy Efficient Mortgage - GRA
RAC Flyers: Consumer and Agent
GreenLiving: Energy Efficient Mortgage - GRA
RAC Emails: Consumer and Agent
GreenLiving: Energy Efficient Mortgage - Proper Rate
Homebuyers often face high energy costs and contribute to environmental pollution.
This campaign targets homebuyers and agents working with clients interested in sustainable living and energy-efficient homes to reduce monthly utility costs. We offer a unique loan option to finance both energy efficient improvement costs and mortgage into one loan. It is executed through RAC social, RAC print, and RAC email.
GreenLiving:
RAC Social: Consumer and Agent
GreenLiving: Energy Efficient Mortgage - Proper Rate
RAC Flyers: Consumer and Agent
GreenLiving: Energy Efficient Mortgage - Proper Rate
RAC Emails: Consumer and Agent
Regional Champaign Doctors Program Campaign
Physicians are concerned on the impact of their student loan debt on their ability to qualify for a mortgage.
This campaign targets prospective physician homebuyers and their agents. It empowers physicians to achieve their homeownership goals even with student debt. This campaign comes to life through RAC social, RAC print, and RAC email.
Homebuying made simple for physicians
Rate’s doctor program is created specifically to meet the needs of physicians.
Program highlights
Loan amounts greater than conforming loan limits and up to $1.5 inimum down payment options as low as 3 -Year Adjustable-Rate ortgage (AR option
Property types: 1-2 unit properties, non-warrantable condo Expanded debt-to-income (DT for deferred student loan debt up to 5 State and product restrictions vary, so talk to me about available options
Call today to explore your options.
Do your clients qualify n purchase transactions, must be a first-time homebuye ust be a licensed medical professional: D, D D, DPM Dentists: DDS, D D phthalmologists Veterinarians DVM Teaching Professionals: D, DDS, D ust have completed residency within the last 1 years or be a current medical resident, fellow or intern
Call today to explore your options.
ChampaigN Doctors Program Campaign
Rate
VA Marketing Assets
Veterans and Active Duty members often face unique financial challenges with homebuying: limited down payment options, complex application process, and high lender fees.
This campaign targets prospective VA homebuyers and refinancers as well as their Agents. It showcases how our VA loan services combine education and expertise to provide a convenient and affordable path to homeownership. The campaign comes together through RAC flyers, RAC social, and RAC emails.
Affordability Reskin
This campaign took previously created assets centered on affordability and brought it them into the new brand ID. The work focuses on showing homebuyers the products and programs Rate offers to make homebuying more affordable in today’s market. The campaign comes alive through RAC email, RAC social, RAC flyers and an Affordability Guide.
First-time homebuyer jitters?
Our loan products and programs can help make buying your first home more affordable. Reach out today and can help identify the programs and products that’ll save1 you the most:
Products That Could Lower Monthly Payments RateReduce Temp2, Perm and Sell3, Interest-Only Mortgages4, 40-Year Products
National Down Payment Assistance Programs OneDown5, EquityAid6
Ways to Make Funds Go Further Rental Income from Additional Dwelling Units, Multifamily Home Loans, Non-Qualified Mortgages First-Time Homebuyer Programs FirstHome+7
Special Purpose Credit Programs Freddie Mac BorrowerSmart AccessSM8 Fannie Mae HomeReady® First9
can help guide you through the process smoothly, with products and tools that can lead to big savings.
business better than anyone. With an arsenal of incredible tools at our disposal and access to dozens of programs and grants, we have a myriad of ways – plus the will and energy – to connect your buyers with the home of their dreams.
Join us today!
Homebuying
Homebuying really is possible
When it comes to homebuying, many budget-conscious buyers may choose to defer their dreams and opt out of the process without getting the full picture. Some may be waiting for “the right time,” some can’t swing that “mandatory” 20% down payment while others may have been knocked down so much they couldn’t possibly imagine getting approval.
At Rate, we believe you shouldn’t give up that easy. That’s because we know the intricacies of the mortgage business better than anyone — and that there are many, many avenues for you to explore that can offer substantial savings and opportunities which can literally open doors that might otherwise be closed.
With an arsenal of incredible tools at our disposal and access to dozens of programs and grants, here’s an overview to the myriad of ways we can connect you with the home of your dreams.
Products that could lower monthly payments
Looking to buy, but the mortgage rate’s a dealbreaker? Then you might want to consider a buydown — which allows homebuyers to obtain a lower interest rate when taking out a loan (via a sellers concession) — or you may opt for alternative loan products that bust the “30-year mortgage” myth. These might be a better fit for your budget in the short term — or even the long term.
AFFORDABILITY RESKIN
Asset type: Affordability Guide
RateReduce
Th r ar two ty of buydown T m orary and P rman nt off d a Rat R duc T m and Rat R duc P rm.
Rat R duc T m low th int t rat on your mortgag for th fir y ar or two (or thr of your loan. Th quir d to contribut to your loan to r duc th rat during th initial riod and th n aym nt r v rt aft r th riod ov r. Thi call d a ll r conc ion” and it’ n c ary for th rogram to function. Rat off r fiv Rat R duc o tion which la from on to thr y ar .
With Rat R duc P rm th ll fund a rman nt rat r duction by aying oint to th nd r at clo ing to buy a low r int r rat for th lif of th loan. Not only will thi giv you th ot ntial for longrm aving but it could al o d cr a tran action co t on a futur r financ Th co t of a rman nt buydown vari ba d on th loan rogram.
Ove vie Ra eReduce Te Lo e s he in e es a e of you loan fo 1-3 yea fo he bo o e Selle con ibu es o you loan o lo e du ing he ini ial pe iod
Ove vie Ra eReduce Pe
Nego ia ed af e buye and selle go in o con ac Reduced a e fo he life of he loa May dec ease ansac ion cos s hen efinancing
Interest-only mortgages2
noth r ath to hort-t rm aving through an int t-only mortgag which r quir aym nt of only th int t (not th rinci al) for a amount of tim — ay fiv y ar or o — b for adding th rinci al back into th quation. Whil it’ not for v ryon an int r t-only mortgag may a al to borrow r who valu 5 – 10 y ar of low monthly mortgag aym nt mor than building hom quity.
Ove vie You pay he in e es only fo a se pe iod of Good fo bo o e s ho an 5–10 yea s of lo e on hly pay en
You ay have ouble building ho e equi y
40-year products
Com ar d to a conv ntional 30-y ar mortgag a 40-y ar mortgag r ad th aym nt out ov a long riod of tim which m an low monthly aym nt lthough you’ll nd u aying much mor in int ov r th lif of th loan th ca h you av could b a d rmining factor in wh th you can afford a hom at all.
Ove vie Sp eads
National Down Payment Assistance Programs
Asset type: Affordability Guide
Ways to make funds go further
Buying down rates or getting grants aren’t the only ways to help you get a home of your own. Here are some paths you can take to explore new revenue streams or identify additional ways to save.
Rental Income from ADUs
When you purchase a home with an accessory dwelling unit (ADU), you can make your property work for you. Specialized home financing options, such as those offered by Freddie Mac, provide favorable considerations for ADUs, and allow borrowers to use rental income to qualify.
Multifamily home loans
Buyers can pay as little as 5% down on owner-occupied multifamily homes (duplexes, triplexes, and four-plexes). By renting out the additional units, you can use the added income to supplement your mortgage payment and
help pay for the property.
Non-qualified Mortgages
A Non-Qualified Mortgage (Non-QM) allows creditworthy borrowers to make the most of their unconventional income streams. This could mean making the best use of your selfemployment income or adding income from a side-hustle, gig work or serving job to your overall income to maximize what you could qualify for.
Multigenerational households
A tried and true method of making homeowning more affordable (or even possible) is through a multigenerational household. When multiple people live under one roof and all chip in financially, overall costs are reduced for everyone. Sharing expenses helps save everyone money.
First-time homebuyer programs
Sometimes, inexperience pays off. First-time homebuyer programs offer great incentives to help turn first-timers into proud homeowners.
Asset type: Affordability Guide
Sp cial-purpose cr dit programs
Addr ssing communiti s historically und rs rv d by th financial and cr dit syst ms sp cial purpos cr dit programs off r pr f r ntial tr atm nt and asi r und rwriting guid lin s to r sid nts of sp cific ar as to h lp bridg th housing gap and build g n rational w alth.
for thos buying in an ligibl county within on of 10 m tropolitan statistical ar as. To qualify for this program you n d a 3% down paym nt and at ast on borrow r must be a first-tim buy r.
Asset type: Affordability Guide
Choosing to buy a home is no small feat. It’s a huge deal, not only financially but emotionally. And if the money stuff is giving you pause, don’t throw in the towel just yet. As you’ve just seen, there are many ways in.
Reach out to one of our qualified experts today and we’ll help get you on the right path.
Asset type: RAC Emails, Agent
Secure a lower rate with a buydown
Lock in a lower mortgage rate with RateReduce Temp, RateReduce Perm or RateReduce Sell.
If your clients are ready to buy but worried about interest rates, a buydown may be the solution they're looking for. Available as temporary or permanent, a buydown lets your buyers obtain a lower interest rate when taking out a loan. We offer two options:
RateReduce1 Temp
As a temporary buydown, RateReduce Temp lowers the interest rate on your buyers' mortgage for the first year or two of their loan. The seller is required to contribute to their loan to reduce the rate during the initial period, and then payments revert after the period is over.
Get down with down payment assistance
First-timers on the fence?
Ease their fears with FirstHome+
RateReduce Perm
In this program, the seller pays points to the lender at closing to buy a lower interest rate that lasts the life of the loan. Not only will this give your buyer the potential for long-term savings, but it may also decrease transaction costs on a future refinance. The cost of a permanent buydown varies based on the loan program.
OneDown and EquityAid can help your buyers reduce costs and get a home they love.
Clients worried about covering their down payment costs? No need to panic! They could qualify for down payment assistance, reducing their overall costs.
OneDown1
Only 1% of the down payment is required from your clients.
RateReduce Sell2
This is a permanent buydown program in which the seller, before finding a buyer, pays an upfront fee to lock in a rate and agrees to pay discount points to lower said rate. This program allows the seller to agree to pay between 2% - 9% in discount points and protects the rate from market volatility while the seller is searching for a buyer.
Questions?
Reach out to learn more
EquityAid2
Clients can receive up to 5% of the home's purchase price to assist with their down payment or closing costs. Reach out to learn more
Down payment options as low as 3% and a potentially lower interest rate.
Don t let your first-time buyers lose hope when it comes to financing a new home. FirstHome+* offers down payment options as low as 3% with potential for a lower interest rate. So whether they re up against unpredictable rates or low inventory, FirstHome+ can help them get into a home of their own.
Benefits:
Down payment options as low as 3
Opportunity for a lower interest rat
Eligibility for households at or below 100% (120% in high-cost areas) of the Area Median Income
Reach out to learn more
Asset type: RAC Emails, Agent
Are your buyers feeling like homeowning’s out of reach?
Help them explore additional revenue streams or identify new ways to save:*
Rental Income from Additional Dwelling Units
Specialized home financing options provide favorable considerations for homes with an additional dwelling unit (ADU), and allows your buyers to use rental income to qualify.
Multifamily Home Loans
Fannie Mae now permits options as little as 5% down on owner-occupied multifamily homes, which makes it easier for your buyers to rent out additional units for passive income.
Non-Qualified Mortgages
For creditworthy borrowers who don’t have conventional income streams, a Non-Qualified Mortgage allows your buyers to qualify based on alternative methods (like self-employment or gig work) instead of the traditional requirements needed for most loans.
Multigenerational Households
When multiple people live under one roof and all chip in financially, overall costs are reduced for everyone.
Don’t let your buyer defer their dream home
Help your buyers save* with our 40-year or interestonly mortgage options.
Clients anxious about affording a conventional mortgage? Just remind them that a 30-year fixed is not set in stone. In fact, there are two alternative loan products that might be a better fit for their budget in the short term … or even the long term.
Let me find an option that works for them:
Spreads the payment over a longer period of time
Could help lower monthly payment
They may end up paying more in interest
Special Purpose Credit Programs offer great benefits for borrowers in eligible areas.
Don’t let your clients give up on their homebuying dreams ust yet. If they reside in a designated area, they could be eligible for a Special Purpose Credit Program, which offers preferential treatment and easier underwriting guidelines to help bridge the housing gap and build generational wealth.
I can help find a program that s right for them:
Freddie Mac BorrowSmart AccessSM
Offers down payment assistance in the amount of $3,000 for those buying in one of 10 metropolitan statistical areas. To qualify, they need a 3% down payment and at least one borrower must be a first-time buyer.
They pay the interest only for a set period of time
Good for borrowers who want 5-10 years of lower monthly payment
Appeals to those who value immediate savings vs. building equity Reach out to learn more
Fannie Mae HomeReady® First
Fannie Mae HomeReady® First offers flexibilities to borrowers who reside in an eligible metropolitan area. Income limits are waived for this special offering and grant funds from Fannie Mae and Guaranteed Rate are provided to the borrowers.
Asset type: RAC Emails, Consumer
Minimize your monthly payments
Lock in a lower mortgage rate with RateReduce Temp, RateReduce Perm or RateReduce Sell.
If you're all in on buying, but the mortgage rate's a bust, consider our RateReduce* products, which let homebuyers obtain a lower interest rate when taking out a loan. We offer two options:
RateReduce Temp
This program lowers the interest rate on your mortgage temporarily for the first year or two of your loan. The seller is required to contribute to your loan to reduce the rate during the initial period, and then payments revert after the period is over.
Open
more doors with down payment assistance
RateReduce Perm
In this program, the seller pays points to the lender at closing to buy a lower interest rate that lasts the life of the loan. Not only will this give you the potential for long-term savings, but it may also decrease transaction costs on a future refinance. The cost of a permanent buydown varies based on the loan program.
Questions?
OneDown and EquityAid can help reduce costs and get you into a home you love.
Concerned about not having enough funds to cover a down payment? Don't panic yet! You may qualify for a down payment assistance program, which could cover or help lower your overall costs.
OneDown Only 1% of the down payment is required from you.
EquityAid
Get up to 5% of a home s purchase price to help fund your down payment or closing costs.
Down payment options as low as 3% and a potentially lower interest rate.
There s a first time for everything, even buying a home, but uncertainty about your finances shouldn't hold you back. I can help guide you through the process smoothly, with products and tools that could lead to big savings.
With FirstHome+**, eligible first-timers can buy a home with down payment options as low as 3% with potential for a lower interest rate. So whether you re up against unpredictable rates or low inventory, FirstHome+ can help you overcome the obstacles standing between you and your first home.
Benefits:
Down payment options as low as 3
Opportunity for a lower interest rat
Reach out to learn more fears with FirstHome+
Eligibility for households at or below 100% (120% in high-cost areas) of the Area Median Income
Reach out to learn more
Asset type: RAC Emails, Consumer
Homeownership
can happen.
Here’s how.
Exploring additional revenue streams or identifying new ways to save* could help make your funds go further and provide a pathway to owning a home.
Rental Income from Additional Dwelling Units
Specialized home financing options provide favorable considerations for homes with an additional dwelling unit (ADU), and allows borrowers to use rental income to qualify.
Multifamily Home Loans
Fannie Mae now permits options as little as 5% down on owner-occupied multifamily homes, which makes it easier for you to rent out additional units for passive income.
Non-Qualified Mortgages
For creditworthy borrowers who don’t have conventional income streams, a Non-Qualified Mortgage allows you to qualify based on alternative methods (like self-employment or gig work) instead of the traditional requirements needed for most loans.
Multigenerational Households
When multiple people live under one roof and all chip in financially, overall costs are reduced for everyone.
Reach out to learn more
Save* big with our 40-year or interest-only mortgage options.
If you’re getting nervous about affording a conventional mortgage, take a deep breath and remember that a 30-year fixed is not set in stone. In fact, there are two alternative loan products that might be a better fit for your budget in the short term … or even the long term.
Let me find an option that works for you:
40-Year Mortga
Spreads the payment over a longer period of time
Could help lower monthly payment
You may end up paying more in interest
Special Purpose Credit Programs offer great benefits for borrowers in eligible areas.
Don’t give up on your homebuying dreams without exploring all your options. If you re a resident of a designated area, you could be eligible for a Special Purpose Credit Program, which offers preferential treatment and easier underwriting guidelines to help bridge the housing gap and build generational wealth.
I can help find a program that s right for you:
Freddie Mac BorrowSmart AccessSM
Offers down payment assistance in the amount of $3,000 for those buying in one of 10 metropolitan statistical areas. To qualify, you need a 3% down payment and at least one borrower must be a first-time buyer.
You pay the interest only for a set period of time
Good for borrowers who want 5-10 years of lower monthly payment
Appeals to those who value immediate savings vs. building equity
Reach out to learn more
Fannie Mae HomeReady® First
Fannie Mae HomeReady® First offers flexibilities to borrowers who reside in an eligible metropolitan area. Income limits are waived for this special offering and grant funds from Fannie Mae and Guaranteed Rate are provided to the borrowers.
Reach out to learn more
Your path home begins here
Rate Drop - Refi Assets - Rate
In response to the recent announcement about rate reductions, this multi-channel campaign equips loan officers with engaging marketing assets to seize the moment and drive client engagement. The campaign includes ready-to-use social media posts, postcards, emails, and flyers designed to inform borrowers about the favorable interest rates and encourage them to explore refinancing. With a focus on urgency and opportunity, the messaging helps loan officers connect with potential clients and capitalize on the current market environment to grow their pipeline.
Postcard
Evocalize
Evocalize’s platform offers Loan Officers a turnkey way to continuously engage with Agents in their area. This program empowers our Loan Officers to dive into digital marketing, drive brand awareness for themselves and generate leads – all without having to set any ads up themselves.
This PDF showcases creative centered on Affordability products. These ads will run between October and January to ensure Loan Officers are pushing out fresh and relevant content to their Agents.
Asset type: Evocalize
Asset type: Evocalize
Asset type: Evocalize
Asset type: Evocalize
Asset type: Evocalize
Consumer Direct
CD Refi Campaign
Rate is targeting homeowners looking to reduce their mortgage rate, term, or payment. As we enter a low-rate environment, our focus is on customers who bought or refinanced in the past two years and prefer a fast, digital experience.
Rate stands out with a seamless, fully digital process, quick approvals, and dedicated mortgage specialists. This campaign pushes a “time is now” mentality and helps customers take advantage of the current rates by promoting our hassle-free online mortgage experience.
Lower your rate/monthly payment
Ability to change loan terms Specific options/programs available for FHA/VA
The rates you’ve been waiting for are here!
You chose Rate to finance the big moves that are important to you. Next let us show you how you could save money.
Now’s the perfect time to refinance your existing loan.
Let’s see my options
All the benefits a refi could give you:
Tap into your home’s equity1
Lower your rate and monthly payment
Change loan terms
It’s fast and easy to apply.
See your options in minutes
No impact to your credit score through a soft pull credit check2
100% digital application
Special options for FHA/VA customers
Don’t miss out!
Lock in your lower rate today. And get the same fast and easy experience you’ve come to know from Rate.
Lock in my new rate
Call us with questions +1 (800) 555-5555
The rates you’ve been waiting for are here!
You chose Rate to finance the big moves that are important to you. Next let us show you how you could save money.
Now’s the perfect time to refinance your existing loan.
See my options
All the benefits a refi could give you:
Tap into your home’s equity1
Lower your rate and monthly payment
Change loan terms
It’s fast and easy to apply.
See your options in minutes
No impact to your credit score through a soft pull credit check2
100% digital application
Special options for FHA/VA customers
Don’t miss out! Contact me to see if you can lock in a lower rate today! And get the same fast easy and trusted experience you’ve come to know from Rate.
Lock in my new rate
Contact me to get started right away
Take the first step to potential savings!
Stop waiting and refi today
You trusted Rate to finance the big decisions that are important to you. But your benefits don’t end there.
Let’s see how you could lower your payments! Refinancing has never been faster or easier with no impact to your credit score through a soft pull credit check With lower rates, you may see more savings than you expect!
Let’s get started!
Here’s how you could benefit:
Tap into your home’s equity
Improved rate term or monthly payment options
100% digital application and fast processing
See initial terms and offers in minutes
There’s no guarantee rates will stay this low.
If you’re ready I’m here to help you get started now!
Yes! I’m ready to refi
Call us with questions +1 (800) 555-5555
Take
the first step to potential savings!
Stop waiting and refi today
You trusted Rate to finance the big decisions that are important to you. But your benefits don’t end there.
Let’s see how you could lower your payments! Refinancing has never been faster or easier with no impact to your credit score through a soft pull credit check . With lower rates you may see more savings than you expect!
Let’s get started
Here’s how you could benefit
Tap into your home’s equity
Improved rate term or monthly payment options
100% digital application and fast processing
See initial terms and offers in minutes
There’s no guarantee rates will stay this low.
If you’re ready I’m here to help you get started now!
Yes! I’m ready to refi!
Contact me today to see what lower rates could be waiting for you
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No impact to your credit score through a soft pull credit check2
100% digital application
Special options for FHA/VA3 customers You could reclaim some cash with a lower rate refi
You ve probably heard rates have dropped. That could mean big savings when you refinance your current mortgage with Rate!
My potential savings $XX,XXX
Call to review your savings (555) 555-5555
Tap into your home’s equity
Lower your rate and monthly payment
Change loan terms
See your options in minutes
No impact to your credit score through a soft pull credit check
100% digital application
Special options for FHA/VA3 customers
Then start thinking about what to do with the money you might save! ’m ready to ref So ock in you new rate Contact me direct y to earn more! (555) 555-5555
Time for a refi. Fast and hassle-free.
You could save big with lower rates today.
Rates are down — time to lock in your new rate!
Why choose Rate to refinance your mortgage? 90% of our customers said they would refer Rate to their friends and family.1 And refinancing your mortgage has never been easier.
Let’s get started!
All the benefits a refi could give you:
Tap into your home’s equity
Lower your rate and monthly paymen
Change loan terms
It’s fast and easy to apply.
See your options in minutes
No impact to your credit score through a soft pull credit check3
100% digital application
Special options for FHA/VA customers
Stop waiting and start saving!
If you’re into saving money, there’s no better time than today to get started. Stop waiting and start your journey to saving!
I’m ready to refi!
Call us with questions +1 (800) 555-5555
Time for a refi. Fast and hassle-free.
Rates are down lock n your potential savings.
Why choose Rate to refinance your mortgage? 90% of our customers said they would refer Rate to their friends and family.1 And refinancing your mortgage has never been easier.
Let’s get started!
Benefits that a refi could get you:
Tap into your home’s equity
Lower your rate and monthly payment
Change loan terms
It’s fast and easy to apply.
See your options in minutes
No impact to your credit score through a soft pull credit check3
00% digital application
Special options for FHA/VA customers
Stop waiting and start saving!
If you’re into save money, there’s no better time than today to get started.
I’m ready to refi
Call me with questions (555) 555-5555
Lower
rates, more possible savings
Feel that? It s ref time.
When rates drop, refinancing your mortgage is a really smart move. And it’s so easy. Simply fill out an application and see your savings options in minutes. With no impact to your credit score through a soft pull credit check1.
Then if you’re happy with your options, lock in the offer that works for you!
Let’s go!
All the benefits a refi could give you:
Tap into your home’s equity
Lower your rate and monthly payment
Change loan terms
It’s fast and easy to apply.
See your options in minutes
No impact to your credit score through a soft pull credit check
100% digital application
Special options for FHA/VA customers
Big savings could be waiting for you.
Don’t miss out on your chance to grab them!
I’m ready to refi now
Speak with a loan officer +1 (800) 555-5555
Lower rates, more possible savings
Feel that? It s ref time.
When rates drop, refinancing your mortgage is a really smart move. And it’s so easy. Simply fill out an application and see your savings options in minutes. With no impact to your credit score through a soft pull credit check1.
Then if you’re happy with your options, lock in the offer that works for you!
Let’s see my options
All the benefits a refi could give you:
Tap into your home’s equity
Lower your rate and monthly payment
Change loan terms
It’s fast and easy to apply.
See your options in minutes
No impact to your credit score through
a soft pull credit check
100% digital application
Special options for FHA/VA customers
Big savings could be waiting for you.
Don’t miss out on your chance to grab them!
I’m ready to refi now!
Contact me to get started! (555) 555-5555
You’re on your way to potential savings!
Congrats! You completed your refi application! It only gets better from here.
Take advantage of lower rates Get a new monthly payment
Explore new loan terms
Now let’s nail down some final details together and get you to your refi!
Schedule your appointment
your mortgage with Rate is a really smart move. Let’s get you to the finish line! And see if you can use your money for other things instead of your old mortgage payment.
of our customers said they would refer Rate to their friends and family1.
ings for you. Call to speak with a loan officer (555) 555-5555
Schedule your appointment
You made a great move when you applied to refi with Rate!
You made a great move when you applied to refi with Rate! We’ve been helping people ust like you finance their home for over 20 years.
Great news!
Success!
We can still use your application to show you some great new refi options. But ’m more excited to show you the money you could save1!
Let s go over terms that work for you, and look at what options are available
Call to speak with a loan officer (555) 555-5555
Schedule your appointment
You locked in your rate! Not to mention all kinds of savings.
Last up, ust a quick call to make sure we have everything to wrap up your loan. (555) 555-5555
Schedule your appointment
Not much after that but peace of mind thinking about all the money you’ll be saving.
So many reasons to refi right now.
Rates have dropped. The market’s buzzing and wants to send savings your way. You just need to complete your application to take advantage of them!
Complete my digital application
If you wait, you could miss out on these great savings!
New rate or term options Lower monthly payments More money in your pocket
I’m here to help if you have questions about your new loan.
Let’s get your application in and get you the refi loan you’ve been waiting for.
Call me with questions
(555) 555-5555
You’re one step away from a world of potential savings!
Completing your refi application is fast and easy.
We’ve always tried to keep things simple for you. If you’re ready to refinance, it couldn’t be easier.
Finish now
You re almost there! Refi while rates are low.
Complete your digital application
Review the ways you could save
Pick your best offer
Use the cash you save for other things
Let s get your loan wrapped up today!
If you have still questions, I’m ready to answer.
Call me with questions
(555) 555-5555
Don’t miss out on the ways your payments could improve when you refi with Rate.
Refinancing your mortgage with the new, lower market rates could give you much lower payment terms. But you can’t save if you don’t apply.
Finish applying
Let s get this done together! I’m always happy to answer any last questions you have.
Call me with questions
(555) 555-5555
Ready to see your new loan term and payment options?
Refinancing could help you save money and reach your financial goals faster.
Here’s how simple it is to get started.
Complete our uick application Get your personalized rate
See how much you could save on your mortgage!
It only takes a few minutes to start, with no impact to your credit score through a soft pull credit check1!
I’m ready to apply!
Call me with questions
(555) 555-5555
Don’t
miss the opportunity to refi with lower rates!
Refinancing your mortgage now could help you lock in a better rate and reduce your payments
Start my application
Get all the benefits of refinancing:
Use your home’s e uity for home renovations or other investments
Potentially lower your monthly mortgage costs
Pay off your loan faster
It’s easy to get started, and I’m here to help every step of the way.
Have uestions? Call me today!
Call me with questions
(555) 555-5555
ast chance to lock
n your best refi rate today
Imagine the possibilities with the money you might save whether it’s paying off debt faster, renovating your home or investing in your future
I’m ready, let’s refi! Rates have dropped!
Don’t wait!
Refinancing takes just a few minutes, and we’re here to guide you through every step
Call me with uestions, and secure your rate today! (555) 555-5555
Nation’s Fastest HELOC Campaign
NATION’S FASTEST HELOC Summary
The Nation’s Fastest HELOC Campaign highlights the benefits of Rate’s fast, digital HELOC offering. The campaign focuses on our key advantage: swift, hassle-free online experience and quick funding. The campaigns shows up through email, SEM, programmatic, paid social and web.
Programmatic: General
Programmatic:
Programmatic:
NATION’S FASTEST HELOC
Paid Social: Video
Meta Ad Video: Renovation
Meta Ad Video: General
Meta Ad Video: Debt
Turn your home’s equity into cash by next week.1
You need money for the big things you’ve got planned. Home renovation, tuition, maybe buying your second home. And you need money for the little things, too — because they can add up pretty fast.
Use the equity in your home to help you tackle whatever comes your way.
Get started
Ridiculously fast, incredibly easy.
25k-400k loan options4
5 minutes to apply
you
Rate’s Home Equity Line of Credit (HELOC)3 is one of the fastest ways to get the cash you need.
Fast, like, 5-days fast1 — 3x faster than banks.2
With your new fixed-rate you can use the cash for things like home improvement, debt consolidation, medical and tuition bills, unexpected costs and more.
If you’re looking to borrow 25k-400k there's no better time and no easier way to apply and take advantage of dropping rates and lower monthly payments.
Get your line of credit Finance whatever comes your way. With one of the nation’s
Emails: Rate without phone numbers
At Rate, getting a home equity line of credit (HELOC)3 is up to 3x faster than banks2. Here’s why.
5 minutes to apply online1
5 days to get your funds1
100% digital application4
0 in-person appraisals
You can tackle that debt, get your renovation going, greenlight whatever big move you need money for next.
What will you use your HELOC for?
Get going on the home improvement you ve been waiting for. Let one of the nation s fastest home equity lines of credit (HELOC)2 help you.
Why use a HELOC from Rate?
5 minutes to apply online1
5 days to get your funds1
Finally, the debt relief you ve been waiting for Tackle your debt head-on with one of the nation s fastest home equity lines of credit (HELOC)3
Why use a HELOC from Rate?
Lower your debt payments
5 minutes to apply
5 days to get your funds1
100% digital application4
0 in-person appraisals Learn more Shockingly easy, incredibly fast
Did you know the equity in your home can be used for ust about any expense? Whatever your situation calls for, let one of the nation s fastest home equity lines of credit (HELOC)2 start working for you.
You can use your HELOC for Debt consolidation Home renovation Education costs Medical expenses Buying a new home
Unexpected expenses
Why use a HELOC from Rate?
5 minutes to apply
5 days to get your funds
100% digital application
0 in-person appraisals
Shockingly easy, incredibly fast
Learn more
Emails: Rate Consumer Direct with phone numbers
At Rate, getting a home equity line of credit (HELOC)3 is up to 3x faster than banks2. Here’s why.
5 minutes to apply online1
5 days to get your funds1
100% digital application4
0 in-person appraisals
You can tackle that debt, get your renovation going, greenlight whatever big move you need money for next.
What will you use your HELOC for?
Get going on the home improvement you ve been waiting for. Let one of the nation s fastest home equity lines of credit (HELOC)2 help you.
Why use a HELOC from Rate?
5 minutes to apply online1
5 days to get your funds1
100% digital application 0 in-person appraisals
easy, incredibly fast or call 844-827-7081 to speak to our team
more
Finally, the debt relief you ve been waiting for Tackle your debt head-on with one of the nation s fastest home equity lines of credit (HELOC)3
Why use a HELOC from Rate?
Lower your debt payments
5 minutes to apply 5 days to get your funds1
100% digital application4
0 in-person appraisals
Money for whatever you need lightning fast
Get cash now
Did you know the equity in your home can be used for just about any expense? Whatever your situation calls for, let one of the nation s fastest home equity lines of credit (HELOC)2 start working for you.
You can use your HELOC for: Debt consolidation Home renovation
Education costs
Medical expenses
Buying a new home
Unexpected expenses
Why use a HELOC from Rate?
5 minutes to apply
5 days to get your funds 100% digital application3
0 in-person appraisals
Shockingly easy, incredibly fast
Shockingly easy, incredibly fast or call 855-318-1915 to speak to our team
Learn more
Learn more
NATION’S FASTEST HELOC
Emails: GRA
Nation’s Fastest HELOC Paid Social Campaign
The Rate HELOC Paid Social campaign is an extension of the Nation’s Fastest HELOC campaign. It leverages the previously established look, feel and messaging but tests a new carousel execution to see how it performs on paid social channels. The campaign highlights three areas of focus: Renovation, Debt Consolidation and general HELOC benefits.
Lightning fast funds
Discover how you could use your home’s equity.
5 minutes to apply online
5 days to get your funds1
100% digital application²
0 in-person appraisals
Lightning fast funds
Discover how you could use your home’s equity for renovations.
Get funds for your new kitchen up to 3x faster* than banks.
5 minutes to apply online
5 days to get your funds1
100% digital application²
0 in-person appraisals
Lightning fast funds
Discover how you could use your home’s equity to consolidate debt.
Lower your debt payments
5 minutes to apply online
5 days to get your funds1
100% digital application²
0 in-person appraisals
Conventional Purchase Incomplete App Journey
This CD email campaign targets consumers with incomplete applications for a conventional purchase loan. The emails guide recipients through different stages of the homebuying process with a mix of plain-text and HTML formats, providing personalized follow-ups and educational content.
Conventional Purchase Incomplete App Journey
Asset type: Emails- Researching / Beginning to Look
Email 1: Plain Text
Purpose: Introduction from the Loan Officer (LO); offer personalized assistance and highlight Rate's benefits.
SL: Welcome to Rate, let's keep you going!
PT: I'm here to help you with your homeownership journey.
[Optional H1 if possible]: We’re here to give you a seamless, supported journey to your dream home.
Body:
Hi [ irst Name],
Welcome to Rate! I’m excited to work with you as you move towards homeownership! If you have questions or need help with your application, I’m here at every step to assist.
You couldn’t be in better hands on this important journey.
At Rate, we offer you:
Custom loan options that fit your needs ast pre-approvals
Expert support at every stage
Next step is to finish your application online or book an appointment so I can answer any questions for you!
I look forward to getting you into your new home!
Best,
[LO name]
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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
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 Rate for more information.
Operating as Guaranteed Rate, Inc. in New York.
Email 2: Plain Text
Purpose: ollow-up; check in on home search progress, provide mortgage readiness tips.
SL: How’s the house hunt going?
PT: Pro tips to help you get mortgage-ready
[Optional H1 if possible]: Let’s get you ready to make an offer on your dream home.
Body:
Hi [ irst Name],
I hope your home search is going well! As you’re doing research and finding homes you love, just wanted to share some tips for being mortgage-ready ahead of time. They’ll help you to be fully prepared to make an offer.
Review your credit report and score
Organize your tax, income and financial documents
Know your monthly budget
Hold off on other large purchases
Consider how long you can finance
If you’re ready to roll, complete your application online and we’ll let you know what’s next.
If you need help or have questions, book an appointment when you’re ready.
All my best as you prepare for your new loan!
{LO name}
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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
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 Rate for more information.
Operating as Guaranteed Rate, Inc. in New York.
Asset type: Emails- Researching / Beginning to Look
Email 3: HTML
Purpose: Provide educational content around mortgage options, rates, and pre-approvals.
Email 4: HTML
Purpose: Explain how pre-approval strengthens offers and provide a smooth mortgage process guide.
Conventional Purchase Incomplete App Journey
Asset type: Emails- Researching / Beginning to Look
Email 5: Plain Text
Purpose: inal soft-close attempt, encouraging completion of the application.
SL: Time to wrap up your app!
PT: Let’s finish your application together
[Optional H1 if possible]: Worried about credit, timing or down payment? No need to.
Body:
Hi [ irst Name],
Homeownership comes with a lot to consider, and it’s a big decision! The more answers you get, the more confident you’ll feel when it’s time.
Just finish your application online or book an appointment with me — I’m glad to help!
Like others at this stage, you may be:
Worried about your credit? Our soft credit pull won’t affect your score. Considering timing, budget or down payment? We’ve got options for you. Still looking for your dream home? We’ll get you offer-ready for when you do.
Let’s take the next step together and review what’s possible for you!
Best,
[LO name]
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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
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 Rate for more information.
Operating as Guaranteed Rate, Inc. in New York.
Conventional Purchase Incomplete App Journey
Asset type: Emails- Making Offers
Email 1: Plain Text
Purpose: Introduction; highlight urgency and benefits of locking in a rate.
SL: You’re in the offer stage! What’s next?
PT: Secure financing, be confident in your offer
[Optional H1 if possible]: Sellers value offers that are pre-approved or financed.
Body:
Hi [ irst Name],
Congratulations on starting the offer process! Now it’s time to lock in a competitive rate with a fast pre-approval. I’m here to help with any financing questions you might have.
Go in strong with a loan ready to roll when your offer’s accepted. Why is it a good idea?
Boost your offer’s appeal to sellers
Compete with other buyers
Close faster
Just finish applying online or book an appointment and we’ll do it together.
Let’s move quickly to give your offer the best chance at success!
Best,
[LO first name]
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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
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 Rate for more information.
Operating as Guaranteed Rate, Inc. in New York.
Email 2: Plain Text
Purpose: ollow-up, offer assistance with financing and explain negotiation advantages of pre-approval.
SL: Need a hand with financing? We got you.
PT: Pre-approval gives you the edge. Let’s go!
[Optional H1 if possible]: Show sellers you’re serious. Get a pre-approval today.
Body:
Hi [ irst Name],
Your offer will have more negotiating power with a Rate loan pre-approval to back it up.
Here’s why:
The seller is more likely to accept your offer
You can compete with confidence against other buyers
Incentivizes sellers to mark the home as pending
I’d love to help you get that advantage!
Just finish applying online or book an appointment with me today so we can get you fully ready to make your best offer!
Best,
[LO first name]
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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
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 Rate for more information.
Operating as Guaranteed Rate, Inc. in New York.
Asset type: Emails- Making Offers
Email 3: HTML
Purpose: Provide educational content on how pre-approval strengthens offers, and offer additional resources.
Email 4: HTML
Purpose: Additional educational content on preapproval and mortgage options.
Conventional Purchase Incomplete App Journey
Asset type: Emails- Making Offers
Email 5: Plain Text
Purpose: inal soft-close attempt, offer assistance to finalize the application.
SL: Let’s wrap up your mortgage!
PT: You’re so close! inish applying now.
Optional H1: If you have questions, we’ve got answers.
Body:
Hi [ irst Name],
You’re so close to financing your new home! If you need help with final steps, book an appointment and let’s walk through what you need.
If you’re not quite ready for any reason, I can still address concerns or questions you have about financing a new home down the road.
Here’s what you can expect:
I’ll show you tailored mortgage solutions to fit your needs
I’ll get you pre-approved in case you decide to make a solid offer
I’ll give you expert advice on what you can do next
Your big move is just around the corner. If you’re ready, finish applying today!
Best,
[LO’s first name]
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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
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 Rate for more information.
Operating as Guaranteed Rate, Inc. in New York.
Conventional Purchase Incomplete App Journey
Asset type: Emails- Signed Contract
Email 1: Plain Text
Purpose: Introduction; congratulate lead on signing the contract and offer assistance.
SL: Hooray! You’ve got a contract!
PT: Secure your loan and lock in your rate.
[Optional H1 if possible]: Next up? Close fast and easily with Rate.
Body:
Hi [ irst Name],
Congratulations on your new home contract! This is an exciting time, and I’d love to help you get the financing you need to close quickly.
Here’s why choosing Rate is your best bet:
97% customer satisfaction rating(1) inancing is fast, easy and hassle-free Rate was awarded Best Mortgage Lender for irst Time Homebuyers
by NerdWallet for 2023
inish your application online to move forward with one of the best lenders around.
If you have questions, book an appointment with me today!
Best,
[LO irst name}
1 Source – CSAT 2023
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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
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 Rate for more information.
Operating as Guaranteed Rate, Inc. in New York.
Email 2: Plain Text
Purpose: Personalized follow-up; outline next steps to ensure smooth closing.
SL: rom contract to close what’s next?
PT: Let’s make sure you close seamlessly
[Optional H1 if possible]:
Your big move is closer than ever. And easier than ever with Rate.
Body:
Hi [ irst Name],
Contract? Check! Next, you need a trusted financial partner to carry you through to close on your loan.
I’m here to give you all the great benefits of working with Rate and guide you through finalizing your loan so you can close on time, with confidence.
inish your application online or book an appointment with me today. I can promise you:
A suite of customizable loan options
A fast, efficient closing
Expert support at every turn Communication every step of the way
Reach out and let me handle your financing so you can get going on packing!
Best,
[LO first name]
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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
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 Rate for more information.
Operating as Guaranteed Rate, Inc. in New York.
Provide
Purpose:
Conventional Purchase Incomplete App Journey
Asset type: Emails- Signed Contract
Email 5: Plain Text
Purpose: inal soft-close attempt, offering assistance for timely action and smooth closing.
SL: Time to close with confidence!
PT: Need help? Let’s finish your mortgage together
[Optional H1 if possible]: You’re almost home. Let’s wrap this up together!
Body:
Hi [ irst Name],
We’re in the final stretch! If you need assistance completing your mortgage, I’m here to help ensure a smooth and timely closing.
With the Rate advantage, you can move forward worry-free with:
A suite of custom loan options for you
Confidence in a quick closing
Smart, efficient underwriting
An experienced, dependable team handling every detail
Clear communication at every turn
Just finish your application online or book an appointment with me today.
Now, let’s get you home!
Best,
[LO’s first name]
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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
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 Rate for more information.
Operating as Guaranteed Rate, Inc. in New York.
Conventional Purchase Incomplete App Journey
Asset type: Emails- No Goal
Email 1: Plain Text
Purpose: Introduction; ask the lead to determine their current goal or stage.
SL: Where are you in the homebuying process?
PT: Get custom support at every part of your journey
Optional H1 [if supported]: We’re here to help you get moving!
Body:
Hi [ irst Name],
Buying a home is a big undertaking, and each part of the journey can stir up a lot of questions.
I’d love to learn more about where you are in your journey, so I can offer the best support possible! Choose the option that fits your situation so we can follow up with your specific needs:
Doing research
Making an offer
Signing a contract
No matter what stage you’re in, the more info you provide, the more helpful I can be.
You can also finish your application online or book an appointment and I can answer any questions you have no matter where you are in your homebuying process!
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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
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 Rate for more information.
Operating as Guaranteed Rate, Inc. in New York.
Email 2: Plain Text
Purpose: ollow-up; encourage lead to share current homebuying goals.
SL: Step-by-step support at every homebuying stage
PT: Be confident and mortgage-ready out of the gate
Optional H1 [if supported]: Share your goals, and we’ll guide you forward.
Body:
Hi [ irst Name],
Just wanted to check in to see where you are in your homebuying process. I’m here to guide you through every step! Plus, we can provide helpful resources to inform you along the way.
Right now, you’re likely in one of these situations. Which one fits you best?
Doing research
Making an offer
Signing a contract
To get closer to what you need, finish your application online. Your credit won’t be impacted for applying. And you call the shots on when and how we move forward.
Book an appointment if you have any questions at all. Look forward to chatting with you soon!
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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.
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 Rate for more information.
Operating as Guaranteed Rate, Inc. in New York.
Conventional Purchase Incomplete App Journey
Asset type: Emails- No Goal
Email 3: HTML
Purpose: Indicate support for all stages/goals.
and
Email 4: Plain Text
Purpose: inal soft-close attempt; ask the lead to share their goal and offer assistance.
SL: Game-changing help for homebuying.
PT: The help you need to get financed
Optional H1 [if supported]: The financing you need to back up your next move.
Body: Hi [ irst Name],
Maybe you’re just browsing homes. Maybe you’ve made an offer or have a contract. In each case, you’ll need helpful information in your corner and financing in your back pocket.
I’d love to help! Please choose your current situation below:
Doing research
Making an offer
Signing a contract
I’m proud to share Rate has a 97% satisfaction rating among our customers(1). That’s because we offer the trust, tools and teams you need at every turn on this important journey.
inish your application online so we can get you what you need. Or book an appointment with me so I can answer your questions!
Best,
[LO’s first name]
(1)source CSAT 2023
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. Refinancing your mortgage may
The tools
teams to bring you home.
This Consumer Direct mail piece targets leads that could benefit from a lower rate for either a purchase or refinance.
Asset type: Postcard
Servicing Retention Initiatives
This campaign features assets created for our servicing partner, ServiceMac. Borrowers make their payments on the ServiceMac online portal or through mailed statements. This campaign leverages space in their online portal and mailed statements to promote Rate’s major product offerings. The goal is to stay top of mind to our customers and increase the likelihood of retention.
See if you could lower your rate and raise your savings
Whatever your next move is, Rate makes it easy. From potentially lowering your payments to funding new possibilities, we’ve got the solutions and the speed to keep you moving forward.
Refinance
Operating as Guaranteed
information visit nmlsconsumeraccess.org. You
Your next home starts here
Purchase
With Rate, you have access to a variety of loan options that fit your life. Our digital application is quick and easy, so you can focus on what matters—finding your new home. Call 1-800-XXX-XXXX to start your journey today. Operating as
information visit nmlsconsumeraccess.org.
Unlock your home's potential
Unlock up to $400k from your home's equity in just 5 days with Rate's fast home equity line of credit (HELOC*). Explore your options today! Operating as
Protect what matters most
We’ve got your back, beyond just the home loan. From home to auto, and life insurance, Rate’s got you covered. Quick, simple, and all in one place.
Dream big, borrow smart
Rate's personal loans* offer flexible solutions to fit your needs. Apply in minutes and get funds fast, all through our easy digital process.
as
Dream big, borrow smart
From buying a home to refinancing or tapping into equity, Rate is your trusted partner. Our digital process is designed to make your financial journey smooth and stress-free. Call 1-800-XXX-XXXX to get started.
Product Specific Refi Emails Reskin
This Consumer Direct email campaign targets refinance customers within certain products including FHA Streamline, VA IRRRL and Cashout Refinance. The intent of the campaign is to get as specific as possible to the target consumer to drive application completes.
Unlock your VA loan savings today
secure your future with a VA refinance
Call now Start online
Hi [First Name],
As a valued member of our military community, you have earned exclusive home loan benefits. We understand the financial challenges that come with homeownership, and we're here to help you make the most of your VA benefits. If mortgage rates have dropped since you took out your VA loan, a VA IRRRL (Interest Rate Reduction Refinance Loan) could be your key to significant savings.
Is your current mortgage holding you back?
It's time to consider a VA IRRRL:
Reduce monthly payment : Save on interest every month and over the life of your loan
Fa t, ea y proce : Skip the home appraisal, credit inquiry, and income assessment
Quick clo ing: Streamlined refinances close faster, so you start saving sooner.
Flexible requirement : No minimum credit score needed.
At Rate, we pride ourselves on supporting our military members and their families. Our commitment to serving those who serve is unwavering, and we are dedicated to helping you achieve your financial goals.
Maximize your military benefits
Start online now or call (866) 914-4215 to speak to our team
Thank you for your service,
The Rate Team
Slash your mortgage payments with
a refinance!
Get started Hi [First Name],
Are you ready to make the most of today s lower mortgage rates? Refinancing your mortgage is a savvy financial move that could help you save money, access your home s equity and gain greater flexibility. With a quick, no obligation review of your loan, you could discover ust how much refinancing can work to your advantage.
Why Refinance?
Reduce monthly payment En oy reduced mortgage payments and free up cash for other priorities
Change your loan term: Tailor your mortgage to better fit your current financial situation whether that means paying off your loan sooner or extending it for lower payments
Eliminate your monthly mortgage in urance: Save money every month by getting rid of unnecessary mortgage insurance
Take ca h out : Extract equity from your home in the form of cash for any number of purposes, from home improvements to debt consolidation.
At Rate, we make refinancing simple and stress free. With our streamlined process, expert support and customer first approach, we re committed to helping you achieve your financial goals with ease and confidence.
Take action today!
Don t let this opportunity slip by. Let s explore your refinancing options and see how much you can save.
Get started or call (844) 207-6405 to speak to our team
Maximize your home’s potential
Get started
Hi [First Name],
Ready to maximize your home’s potential? A Cash-Out Refinance can help you access the funds you need for life’s big expenses, from investing in property to funding a college education.
Tailored solutions for your needs:
Home improvement & debt
con olidation: Whether you're upgrading your home or consolidate high-interest debt, cash-out refinancing can provide the financial flexibility you need.
Emergency fund: Create a financial safety net by setting aside cash for unexpected expenses or emergencies
Major purcha e : Fund significant purchases like a new car or take that dream vacation you've always wanted
Inve t in your future: Use the equity in your home to purchase investment properties or finance a college education, securing your financial future.
Our streamlined process and expert guidance make it easy to unlock your home’s potential. At Rate, we’re committed to helping you achieve your financial goals with tailored solutions that prioritize your long-term success.
Take the next step today
Take control of your financial future and start benefiting from your home’s equity. Act now to secure the best terms.
Get started or call (844) 207-5388 to speak to our team
Best regards, The Rate Team
Simplify your refinance: no appraisal, low rates
Get started
Hi [First Name],
With mortgage rates fluctuating, now is the perfect time to explore an FHA Streamline Refinance. This opportunity allows you to lock in lower rates and reduce your monthly payments without the hassle of an appraisal.
Why choose an FHA Streamline Refinance?
No home apprai al needed: Save time and skip the appraisal process
Simplified approval: Benefit from relaxed documentation requirements
ower rate & payment : En oy potentially lower monthly payments and reduced overall costs
Fa t and ea y proce : Experience a streamlined, quicker refinancing process.
At Rate, we’re dedicated to helping you maximize your home financing. Our expert team will guide you through every step of the FHA Streamline Refinance process, ensuring you get the best possible terms.
Act now to secure your low rate
Get started or call (855) 834-2363 to speak to our team
Owning Rate Drop Paid Social
This campaign is designed to promote Owning’s value proposition of offering lower mortgage rates through both paid and organic social media channels. The goal is to target both homebuyers and homeowners looking to refinance, using a combination of video content and static creative that focus on immediate action.
