GRA Agent Advantage

AGENT ADVANTAGE

A Powerful Brand

Guaranteed

Rate Affinity is a strong national brand with great momentum.

+ GRA is a partnership created between Anywhere Real Estate Inc., and Guaranteed Rate in 2017

+ Currently has 980 employees

+ Over 528 branches across the country and licensed in 49 states

+ We have a relationship with the Anywhere Integrated Venture Partner LLC family of companies

+ We have a relationship with the Anywhere Integrated Services family of title companies.

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

Nationally Recognized

(and still not satisfied)

Forbes Best Online Mortgage Lenders

+ Best Online Lender for FTHB

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

+ Tenth 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

+ Best Lenders for FHA Loans in December 2022

HousingWire Awards:

+ 2022 HousingWire TECH100 Mortgage Honorees

The Ascent’s 2022 Mortgage Lender Awards

+ Best Mortgage Lender App

Our Parent Company, GR, Inc., has earned these honors

+ 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

The power of this partnership will make everybody look good.

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

Mortgage Calculators

Easy to use calculators for you and your clients at your fingertips.

+ By putting buyers in the driver’s seat, we allow them to do their own research, saving you time in the process

+ Our mortgage calculators are open to everyone—anytime, anywhere

+ You and your clients can use these calculators to help inform you of potential monthly payments and mortgage costs including loan amount, down payment, interest rate and more

Digital Mortgage

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

+ Generates recommended loan options with real-time rates

+ Advanced Asset Verification: Hassle-free automated bank statement gathering

+ LoanBeam technology simplifies taxreturn income for faster and more accurate income analysis

+ Personalized document to-do list guides clients through the process

Our on-the-go mobile tech enables me to update your preapprovals anywhere, in seconds.

+ Never worry about getting your buyers’ pre-approval letters updated

+ We can send quotes to your buyers’ via text, lock loans and start the loan process in Toto

+ We don’t keep banker’s hours—we’re available Saturday and Sunday, day or night

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

Same Day Mortgage

Approval

+ 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 approved 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 (aka “FastTrack”) promotion offers qualified customers who provide certain required financial information/documentation to Guaranteed Rate Affinity within 8 hours of locking a rate on a mortgage loan the opportunity to receive a “Clear to Close Loan Commitment” (“CTC”) 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 CTC at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. CTC is subject to certain underwriting conditions, including clear title and no loss of appraisal waiver, amongst others. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 8 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Property must be eligible for an Appraisal Waiver and borrower must opt in to AccountChek for automated income and asset verification. Self-employed borrowers and Co-borrowers are not eligible. Not all borrowers will be approved. 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 8 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 rate. com/same-day-mortgage for terms and conditions.

**Guaranteed Rate Affinity 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 Guaranteed Rate Affinity for more information.

For agent presentation

Get approved in as fast as 1 day*

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

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-in to text notifications so you’re always in the loop even when you’re on the go

+ Our team is always available to talk on the phone

Available at agents.grarate.com

For agent presentation

HELPING YOU GROW YOUR BUSINESS

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 it’s a good time to reach out

MyAccount

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

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

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

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

+ Stay connected with all of your leads and potential buyers

+ Upload leads to your database from any source

+ Deploy an omni-channel marketing approach using personalized email, social media, print collateral, direct mail and web marketing

Available at agents.grarate.com

Clipboard

Turn any open house 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

Make your listings as beautiful online as they are in person.

+ Customized co-branded sites with full MLS and IDX integration

+ Modern, professional templates deliver a flawless user experience

+ Capture visitor information to continuously grow your database of interested buyers

Available at agents.grarate.com

For agent presentation

ClientDrip

+ 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

For agent presentation

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

+ Direct mail pieces can help you continuously reach your entire database

+ Use our customizable designs to send out postcards multiple times a month

Property Flyers

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

+ The system autopopulates the MLS info, photo, contact info and pricing

+ Custom layout and color options are available

Available at agents.grarate.com

agent presentation

Neighborhood Reports

Show them that you really know the neighborhood.

+ Our neighborhood reports provide up-to-date information, including school ratings, restaurants, shopping, Walk Score® and more

+ Attract more potential buyers by providing a quick snapshot of where they are about to live

Available at agents.grarate.com Agents

Custom Prints

Tailor-made marketing collateral to suit any situation.

+ We offer a variety of co-branded flyers, postcards, brochures, and guides to get buyers more comfortable with the process

Materials Include:

+ Product flyers

+ Buyer education

+ Helpful hints

For agent presentation

Sponsoring Broker Opens

Get more agents to view your listings.

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

+ Our team can arrange delivery and set up, with great lunch options from preferred caterers

+ My team will be there to answer any mortgage questions that come up

For agent presentation

Let’s Partner Together

We’re here to help you grow your business.

+ Lead generation: Our lead capture apps and co-branded sites make lead generation a breeze

+ Loan Status Monitor: Real-time status updates on the loan milestones you care about

+ Co-branded marketing: Marketing materials to help you stand out amongst the crowd

+ Coaching videos: Top agents from across the nation share their secrets to success

FOR BROKER-DEALER OR AGENT USE ONLY — Not for public dissemination. May not be distributed, reprinted or shown to the public in oral, written or electronic form as sales material.

All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate Affinity does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error-free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity. Guaranteed Rate Affinity its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

Guaranteed Rate Affinity, LLC; NMLS #1598647; For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply