GRA + CB - Better Together

+

A Powerful Brand

Guaranteed Rate Affinity is a strong national brand with great momentum.

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

+ Currently has 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

+ 79% of consumers believe one-stop shopping makes the process more efficient and manageable*

*This statistic was based on a NAR/Harris Poll of Consumer Preferences for Real Estate Services Performed in 2008, 2010, 2015, and most recently in 2019.

For agent presentation only

Nationally Recognized

(and still not satisfied)

Forbes Best Online Mortgage Lenders

+ Best Online Lender for FTHB

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.

Bob Vila - The Best HELOC Lenders of 2022

Scotsman Guide Top Lenders

+ Guaranteed Rate has overall #8 ranking

Scotsman Guide Top Originators

+ 11th year in a row with more top originators than any other company

Crain’s Chicago Business 2022 Fast 50

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

HousingWire Awards:

+ 2022 HousingWire TECH100 Mortgage Honorees

The Ascent’s 2022 Mortgage Lender Awards

+ Best Mortgage Lender App

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

+ 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

The Financial Technology Report

+ Top 100 Financial Technology Companies of 2022

Digital Mortgage

Your clients can easily complete the entire process in as few as 15 minutes.

+ Generates recommended loan options with real

+ Advanced Asset Verification: Hassle statement gathering

+ LoanBeam

faster and more accurate income analysis

+ Personalized document to the process

PowerVP

The tech of all tech. Introducing the best LO tech on the planet.

+ PowerVP is tech that travels with us anywhere and does everything

+ We can create new loan applications, pull credit, lock a rate, send pre-approvals

+ Never worry about getting your buyers through the loan process — we got you covered

MyAccount

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

+ Clients can upload their documents from their computers or phones, and everything is collected in one safe, easyto-access place

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

+ Identifying and requesting additional docs from the client is quick and efficient

Agents shall be financially responsible for their pro rata share of marketing and event costs.

Loan Status Monitor

Real-time status updates for the

loan milestones you care about.

+ Know exactly what’s going on with every customer

+ Full transparency with 24/7 access to all loans in process online and in your inbox

+ Opt into text notifications so you’re always in the loop even when you’re on the go

Available at agents.grarate.com

FlashClose

+ Borrowers can review and e-sign most documents prior to the closing appointment

+ Receive notifications letting you know that things are in order

+ At the closing, borrowers just need to sign a few remaining documents—saving everybody time

Not eligible for all loan types, or investors. Conventional loans only. Eligible for primary, 2nd home and investment properties. Title company restrictions may apply, not eligible for HFA programs. Knowledge-Base Authentication (KBA) required in order to enter the digital signing session. Applicant subject to credit and underwriting approval. Full eClose is not currently eligible in California, Connecticut, Delaware, Georgia, Maine, Massachusetts, Mississippi, New York, North Carolina, Rhode Island, South Carolina, Vermont, and West Virginia

For agent presentation only

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

PowerBid Approval*

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

+ Reviewed by me and an underwriter and can be completed in as little as four hours

+ Receive a full commitment letter

+ Position your client as a cash buyer, giving you great negotiating power

*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.

For agent presentation only

Same Day Mortgage

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

+ Step 1: Encourage your eligible buyers to contact their Guaranteed Rate Affinity Loan Officer to get started.*

+ Step 2: Once your buyers provide us with all the required documents within the specified timeframe, we’ll give them a $250 lender credit for doing it.*

+ Step 3: Your buyers will be cleared to close in as fast as 1 day,* putting them on track to close on their home in as fast as 10 days.**

* 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. Eligible borrowers who successfully provide all required documentation within 24 business hours will receive a $250 Closing Cost Credit applied at closing, no cash value, and may not be combined with any other Lender promotions, discounts, or concessions. Not available in all states. Restrictions apply. Visit grarate.com/same-daymortgage 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 al borrowers will be approved. Restrictions apply.

Combine resources to make you even more successful

Enhance Moxi

Guaranteed Rate Affinity has developed tools that will make your CRM (Moxi) even more powerful.

+ MonitorBase – Sphere Activity Tracking

+ ClientDripSM – Effective Email Campaigns

+ GRA Template on Moxi Websites

MonitorBase

Technology that knows when past clients are back in the market.

+ MonitorBase is tech that alerts us when customers have their credit pulled

+ Other actionable triggers provide insight into clients’ mortgage and real estate related activities

+ We’ll know when they might be back in the market and when it’s a good time to reach out

+ Keep the conversation going with prospects through customized drip campaigns

+ Leverage our co-branded email templates to highlight loan-specific or seasonally relevant information

Available at agents.grarate.com

“Plug and play” email campaigns that help you stay in front of potential clients.

Listing Marketing

Now you have the best listing marketing system in the business at your fingertips.

+ Agents who use Listing Concierge are 2.9 times as productive as those who don’t.*

+ Breaking News! Co-branded options coming soon. All the same power⎯at a lower cost.

*Based on Coldwell Banker Listing Concierge usage data reported through December 2022

Turn any open house or event into a warm-lead generator.

+ Seamlessly capture contact info with our lead capture apps

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

+ Add buyers to a follow-up email drip campaign to start marketing to them immediately

Available at agents.grarate.com

For agent presentation only

Open House Tools

Turn lookie-loos into bona fide buyers.

+ Instantly generate co-branded home loan analysis sheets in seconds

+ The system auto-populates the MLS info, photo, contact info and pricing

+ Custom layout and color options are available

+ Turn “Dreamers” into bona fide buyers

Available at agents.grarate.com

Custom Prints

Tailor-made marketing collateral to suit any situation.

+ We offer a variety of customizable materials to get buyers more comfortable with the process

Materials Include:

+ Product flyers

+ Buyer education

+ Helpful hints

+ Postcards

Agents shall be financially responsible for their pro rata share of marketing and event costs.

For agent presentation only

Private Facebook Group

Having Fun

+ We offer a concierge service that sets your broker opens apart from the competition

+ Our events team can help set up co-hosted happy hours customer appreciation parties, agent networking events and more

+ We can come up with the ideas and handle all the details—all you have to do is show up

+ If you cannot gather in person, our team also has many virtual event ideas, amazing online entertainers, and ways to ensure your guests still have a great time

We know how to throw a party.

Agents shall be financially responsible for their pro rata share of marketing and event costs.