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You’re looking to take your business to the next level. We have the best retail mortgage platform in the business. Now learn a little bit about what makes us different.
Our Winning Formula will help you grow your business, have a better quality of life and make more money.
We started this company with one main focus: to offer a better value proposition than any other bank or mortgage company in the country for you, your borrowers and your referral partners. Check out this Best of the Best booklet to learn more about what makes us different. We believe the more you learn about Guaranteed Rate Affinity, the more you’ll love what you see and realize that this is the best company for you. Start to imagine what your life could be, then come join the Best of the Best.
Victor Ciardelli Chairman
OUR WINNING FORMULA
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OUR VIBE
BE A RAINMAKER
RED ARROW TECH
BUILD YOUR BIZ
The seven pillars of our Winning Formula will help you dominate, celebrate and repeat, over and over again.
OUR VIBE
BE A RAINMAKER
RED ARROW TECH
OUR WINNING FORMULA
We’re a company with a soul—a team of individuals driven by an entrepreneurial spirit and a commitment to winning, held together by a camaraderie that is unique in the industry.
As a Guaranteed Rate Affinity loan officer, you’ll flip the hourglass and spend 80% of your time focusing on what you do best: selling!
Our suite of proprietary technology helps you generate leads, build relationships, close loans and delight borrowers.
UP YOUR GAME
YOUR COMPETITIVE EDGE
BUILD YOUR BIZ
UP YOUR GAME
YOUR COMPETITIVE EDGE
POWER OF PARTNERSHIP
POWER OF PARTNERSHIP
Our proven best-practices model helps you build your personal brand, create buzz and exponentially grow your business to become #1 in your market.
New can’t-miss opportunities hosted every month provide resources and tools to grow and build your business as fast as humanly possible.
You’ll have ultimate control, flexibility and speed to market from the best combination of products and competitive pricing in the industry.
Provides you with access to top real estate agents with the support of leadership to grow your business.
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OUR VIBE
BE A RAINMAKER
RED ARROW TECH
BUILD YOUR BIZ
UP YOUR GAME
YOUR COMPETITIVE EDGE
POWER OF PARTNERSHIP
OUR VIBE It’s really all about culture and bettering people’s lives. It’s about giving our customers a blown-away experience with the most important purchase of their lives, helping to improve our communities and celebrating our wins together.
Core Values
GR Foundation
These 10 values are what we stand for and live by every day:
Our Foundation has one purpose: to help people in our communities by providing relief in times of hardship through tailored financial support. One-hundred percent of Foundation costs are covered by us, so every dollar donated goes toward helping people who need it most.
• Grit • Customer First • Best of the Best • Demand Excellence • Hold Self & Others Accountable • Ownership • Frugality
Our Foundation is powered by our employees—we’d love to have you help out too.**
• Think Big • Decisive Action • We Give a Sh!t
Customer Satisfaction Our customer service rating is proof that our Core Values aren’t just talk. Our score of 95 is more than twice the industry average.*
Giving Back Our annual food drive has provided more than 1 million meals since 2013. We host volunteer days to clean up beaches and parks, donate food and clothing in the aftermath of natural disasters and serve on boards and commissions of local agencies and non-profits. We’re committed to helping make the world a more livable, sustainable and caring place.
Incentive Trips *All information is sourced from Guaranteed Rate Affinity’s Client Satisfaction Surveys (Average 2018) **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.
OUR WINNING FORMULA
We win as a team and celebrate as a team. Join us on our next incentive trip where we meet up in a tropical paradise and have a few mai tais while we share tricks of the trade and toast our victories.
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OUR VIBE
BE A RAINMAKER
RED ARROW TECH
BUILD YOUR BIZ
UP YOUR GAME
YOUR COMPETITIVE EDGE
POWER OF PARTNERSHIP
BE A RAINMAKER Have you ever asked yourself what percentage of your day you spend getting a loan through the system? Is that really the best use of your time? Instead, what if you focused on the things that actually grew your business the most?
Proactive POD Model Focus on $500-per-hour versus $40-per-hour activities. We invented the proactive POD Model that lets you to take back your workday, talk to every customer and win more business. Clearly Defined Roles Your team consists of a Mortgage Consultant and Loan Coordinator to free up your workday for more face-to-face time with referral partners and potential customers. Proactive Pipeline Management Our POD Model puts emphasis on the beginning of the process and spreads out the workload, so you can identify and resolve problem files and issues earlier—giving you the ability to set consistent turn times. Team Accountability Performance management makes sure files are underwritten faster and approved with minimal conditions—improving the borrower experience and driving faster CTCs.
Underwriting and Closing A concierge level of service provided by the best Underwriting and Closing Departments in the country means they work as your teammates to provide your customers with a lightning-fast, headache-free process.
Specialty Teams Our in-house experts cut through any unnecessary red tape—opening up new paths for business. • Condo Department • Builders and Renovation
Department • Panel of Appraisers • Integrated Title and
Insurance Companies
OUR WINNING FORMULA
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OUR VIBE
BE A RAINMAKER
RED ARROW TECH
BUILD YOUR BIZ
UP YOUR GAME
YOUR COMPETITIVE EDGE
POWER OF PARTNERSHIP
RED ARROW TECH Does your current platform make your entire business more efficient? Red Arrow is our comprehensive suite of proprietary technologies that empower you to: • Generate more leads • Close more loans faster • Strengthen relationships with referral partners • Simplify the customer experience
OUR WINNING FORMULA
Red Arrow Ignite
Red Arrow Partner
Red Arrow Ignite is all about helping you grow your business. Our CRM and marketing portal helps build your brand and turns your borrowers into your sales force.
Red Arrow Partner is all about arming your referral partners with tools for their success. Build more agent relationships and strengthen the ones you have with Gateless, our dedicated agent site stocked with tools and coaching to help your referral partners grow their business.
Red Arrow Speedway
Red Arrow Experience
Close more loans faster with Red Arrow Speedway. Better manage your team and keep your pipeline flowing with less stress and more free time.
Take yourself out of administrative tasks and simplify the mortgage process with modern automated tools for your borrowers, like online document signing and sharing and assets account syncing.
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OUR VIBE
BE A RAINMAKER
RED ARROW TECH
BUILD YOUR BIZ
UP YOUR GAME
YOUR COMPETITIVE EDGE
POWER OF PARTNERSHIP
BUILD YOUR BIZ Stand out from other lenders with our proven model that helps you build your personal brand, generate more buzz and grow your business. Maximize your exposure. Become #1 in your market.
OUR WINNING FORMULA
Personalized Marketing
National Brand
Your past customers, friends and family are your sales force. Guaranteed Rate Affinity helps you ignite that database with personalized emails, postcards, flyers and more.
Our national brand campaign is entirely focused on establishing name recognition with borrowers and referral partners so they feel absolutely confident in doing business with you.
Social Media
Customized Events
Using targeted, cost-efficient models to reach your chosen audiences, our social media team enhances your presence and relevance in social media to grow your business.
Build and strengthen relationships with the top 20% of real estate agents in your market. Our dedicated National Events Team will assist you with planning all of your custom events.
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OUR VIBE
BE A RAINMAKER
RED ARROW TECH
BUILD YOUR BIZ
UP YOUR GAME
YOUR COMPETITIVE EDGE
POWER OF PARTNERSHIP
UP YOUR GAME If you want to be the best, you have to hang with the best. Boost your skills by attending these three can’t-miss opportunities and hearing from the best loan officers around the country who candidly discuss the keys to their success.
THE PULSE
SHARING SUCCESS
HOSTED BY VICTOR CIARDELLI, CHAIRMAN BI-WEEKLY
FEATURING THE BEST OF THE BEST BI-WEEKLY
Get the inside view on the industry landscape and advice on how to win from a proven winner.
Hear the best practices of some of the top LOs in the country.
PRODUCTS IN ORBIT
HOSTED BY THE EXECUTIVE TEAM MONTHLY
Hear about state-of-the-art tech advancements as well as product and marketing enhancements that differentiate you from your competition.
OUR WINNING FORMULA
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OUR VIBE
BE A RAINMAKER
RED ARROW TECH
BUILD YOUR BIZ
UP YOUR GAME
YOUR COMPETITIVE EDGE
POWER OF PARTNERSHIP
YOUR COMPETITIVE EDGE We want you to have the best combination of products, competitive pricing and execution in your region. And our flexible compensation model allows you to price to your needs, providing you with ultimate control, flexibility and speed to market.
Multi-Lender Platform
Programs
Our secondary platform gives us all the toys of the big boys while still keeping the entrepreneurial spirit alive.
Our in-house team develops portfolio programs for conforming, jumbo, VA and FHA programs. We offer products including: • Give 2 You – 3% down options with an
• 50+ investors, including money center
banks, commercial banks, private securitization and credit unions
additional 2% grant • Dream Bigger – Wrap new construction
• Direct to Fannie Mae, Freddie Mac and
Ginnie Mae with minimal overlays and servicing retained options • Various proprietary credit and condo
variances with each agency • Multiple niche broker outlets available
Competitive Pricing We squeeze every cent of cost out of the business and pass the savings on to borrowers. Our efficiency elicits low rates and fees, and investor competition drives better pricing.
post-close improvements into a borrower’s mortgage
• Landscaping
• Pools
• Finished basements • Premier Builder – Lock N’ Build
extended locks, Builder Appraisal Panels, 2-1 Buydowns and Digital Mortgage Kiosks** in builder sales centers
*#1 non-bank jumbo lender in the country with in-house delegation. Based on 2016 HMDA data as reported by FFEIC. **Kiosks are not available in every state 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, contact Guaranteed Rate Affinity for current rates and for more information.
OUR WINNING FORMULA
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OUR VIBE
BE A RAINMAKER
RED ARROW TECH
BUILD YOUR BIZ
UP YOUR GAME
YOUR COMPETITIVE EDGE
POWER OF PARTNERSHIP
POWER OF PARTNERSHIP Our partnership with Realogy provides you access to top real estate agents in their real estate brokerage business, NRT. For the 22nd consecutive year, REAL Trends 500 has ranked NRT as the top U.S. residential real estate brokerage for sales volume, based on closed sales volume for 2018. Work alongside Coldwell Banker agents with support from NRT leadership:
Access
Brand Exposure
Inclusion in all office communication and opportunities to provide training and open house support
Signage and marketing materials within the office
Personal Introductions Meetings with top 30% of agents to develop strong relationships
$176B
IN CLOSED
SALE VOLUME
50,200
337,235
CLOSED TRANSACTION SIDES
750+ OFFICES
SALES ASSOCIATES
OUR WINNING FORMULA
*Red states indicate NRT’s major areas served.
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SEAMLESS TRANSITION We know you’re concerned about the transition, and it’s a big concern. That’s why we have a tried-and-true plan for a headache-free move. We’ve onboarded some of the biggest originators in the country, and they haven’t missed a beat.
Transition Team We provide all of our new LOs a startup kit, help manage their databases and a Consultant Vice President who will handle the licensable activities throughout the transition.
Fast Ramp Up Our onboarding ensures that you will have quick access to training and support from all departments.
Marketing from Day One Hit the ground running with a customized marketing plan from day one, including moving announcements, a personal website and social media posts.
OUR WINNING FORMULA
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The Guaranteed Rate Affinity Difference Hopefully you’ve enjoyed this small taste of how we can help exponentially grow your business. We would love for you to join us on our next incentive trip.
PAST DESTINATIONS HAVE INCLUDED: President’s Club: 2019: Nassau, Bahamas 2018: Punta Cana, Dominican Republic
OUR WINNING FORMULA
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NEXT STEPS 1
2 3 4 5
Contact a Divisional Manager to discuss our Winning Formula in more detail Schedule a pricing call Review your custom compensation proposal Attend Experience the Difference Day Join the team
Don’t wait to schedule your call. Contact your local Divisional Manager today. Jonathan Engler
Scott Throneberry
SVP, Divisional Manager — West (831) 622-0121 • Jonathan.Engler@grarate.com
SVP, Divisional Manager — West (408) 355-2047 • Scott.Throneberry@grarate.com
CA • NMLS #633671
AZ, MO, UT, CO
Scott Brady
Jay Crowder
SVP, Divisional Manager — Central (312) 383-6332 • Scott.Brady@grarate.com
SVP, Divisional Manager — Mid-Atlantic (703) 720-2680 • Jay.Crowder@grarate.com
IL
TX, DC, VA, MD, PA • NMLS #155964
Kevin McGarrity
Laura Turrittin
SVP, Divisional Manager — Northeast (856) 994-0283 • Kevin.McGarrity@grarate.com
SVP, Divisional Manager — Midwest (952) 844-6810 • Laura.Turrittin@grarate.com
MA, CT, NJ
MN, OH
John Porath
Vic Lombardo
SVP, Divisional Manager — Southeast (727) 373-1031 • John.Porath@grarate.com
SVP, Divisional Manager — Relocation (239) 260-6340 • Vic.Lombardo@grarate.com
FL, SC, NC, GA
5.28.19
JOINGRAFFINITY.COM
Guaranteed Rate Affinity, LLC is a registered trademark of Guaranteed Rate, Inc., used under license. Guaranteed Rate Affinity, LLC is a subsidiary of Guaranteed Rate, Inc. NMLS ID # 1598647 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • AL - Lic# 22374 • AK - Lic# AK1598647• AR - Lic# 111284 - Guaranteed Rate Affinity, LLC 1800 W Larchmont Ave, Chicago IL 60613 773-516-6900 • AZ - Guaranteed Rate Affinity, LLC - 6851 E Stone Ridge Pl Tucson, AZ 85750 Mortgage Banker License # 0941440 • CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #41DBO-68350 • CO - Guaranteed Rate Affinity, LLC. Regulated by the Division of Real Estate, 773-516-6900 #993028 • CT - Lic # ML-1598647 • DE - Lic # 023968 • DC - Lic # MLB1598647• FL - Lic# MLD1480 • GA - Residential Mortgage Licensee # 55791- 1800 W Larchmont Ave., Chicago, IL 60613 • IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 1800 W Larchmont Ave., Chicago, IL 60613 #MB.6761236• IN - Lic #34245 & #34244 • IA - Lic #2017-0035 • KS - Licensed Mortgage Company - Guaranteed Rate Affinity, LLC - License #MC.0025481• KY - Mortgage Company Lic #MC386524 • LA - Lic #1598647 • ME - Lic #1598647 • MD - Lic #22715 • MA - Guaranteed Rate Affinity, LLC - Mortgage Lender & Mortgage Broker License MC1598647• MI - Lic #FR0020883 & SR0020884 • MN - Lic #MN-MO-1598647 • MO - Lic # 17-2357• MS - Guaranteed Rate Affinity, LLC 1800 W Larchmont Ave, Chicago, IL 60613 - Mississippi Licensed Mortgage Company, Lic # 1598647 • MT - Lic# 1598647 • NE - Guaranteed Rate Affinity, LLC. Regulated by the Nebraska Department of Banking and Finance, 773-516-6900 • NH - Guaranteed Rate Affinity, LLC, licensed by the New Hampshire Banking Department - Lic # 21635-MB • NJ - Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance • NM - Guaranteed Rate Affinity, LLC. Regulated by the New Mexico Financial Institutions Division, 773-516-6900 • NC - Lic #L-173991 • ND - Lic #MB103116 • NV - Lic #4779 & 4778 • OH - Lic #MB.804260.000 & Lic #SM.502032.000- 1800 W Larchmont Ave., Chicago, IL 60613 • OK - Lic #MB011369 & Lic #ML011370 • OR - Lic #ML-5569 – 1800 W Larchmont Ave, Chicago, IL 60613 • PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #60942 • RI - Guaranteed Rate Affinity, LLC. Regulated by the State of Rhode Island Department of Business Regulation, 773-516-6900 20173468LL & 20173469LB • SC - Lic #MLS – 1598647 • SD - Lic# ML.05163 • TN - Lic #134814 • TX - Licensed in TX: Licensed Mortgage Banker - TX Department of Savings & Mortgage Lending • UT - Licensed in UT: Utah-DRE Mortgage Entity License #10371701 & Utah-DFI Residential First Mortgage Notification – Utah Department of Financial Institutions • VT - Lic #7021 & 1351 MB • VA - Guaranteed Rate Affinity, LLC. - Licensed by Virginia State Corporation Commission, License # MC-6753 • WA - Lic #CL-1598647 • WI - Lic #1598647BA & 1598647BR • WV - Lic #ML-35540 & MB-35539 • WY - Lic#3000 Guaranteed Rate Affinity, LLC. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law. The Red Arrow is a registered trademark of Guaranteed Rate, Inc., used under license. Guaranteed Rate Affinity, LLC is a subsidiary of Guaranteed Rate, Inc.”
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OUR VIBE
OUR WINNING FORMULA
BE A RAINMAKER