Agent Advantage Program

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AGENT ADVANTAGE

A Powerful Brand

Guaranteed Rate is a strong national brand with great momentum.

+ Currently has over 5,000 employees

+ 2nd largest retail mortgage lender in the country*

+ Over 676 branches across the country and licensed in all 50 states

+ We have a title company, Ravenswood Title

+ We have an insurance company, Guaranteed Rate Insurance

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

For agent presentation only

* Source: According to Scotsman Guide Top Retail Lenders 2022

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 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

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

+ 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

For agent presentation only
Your Customer Experience For agent presentation only The perfect combination of technology and human touch. 96% Customer Satisfaction Source - Guaranteed Rate’s Averaged Customer Satisfaction Score (Average from January – December 2022) 96% of our customers would refer us to their friends and families.
Helping You Look Good

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

For agent presentation only

GR Mobile Loan App

+ Share my contact info with your borrowers, and they can get pre-approved in minutes

+ Give your clients instant access to our affordability calculator

Easily view recommended products

Displays real-time rates

+ The mobile app is incredibly effective during open houses and home tours, allowing you and your clients to pull up accurate pricing scenarios right on your phone

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing.

For agent presentation only

Get your clients immediate access to pre-approvals even while on the go.
■ ■

The best mortgage calculator on the planet.

+ Our intuitive product recommendation engine provides real-time pricing with no hidden points or fees

+ Run all scenarios in seconds to find the best fit for your client

+ Mobile friendly

+ Accessible online 24/7, with no personal information or login required For

GRaffordable
presentation
Get an official Loan Estimate before choosing a loan. Your actual rate, payment and costs could be higher. Sample down payment, rates, and APR are provided for illustration purposes only and are not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
agent
only

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 tax-return income for faster and more accurate income analysis

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

For agent presentation only NerdWallet award from 2021 Best Online Mortgage Lender

PowerBid Approval

Buyers can get 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

Appraisal required for eligibility and subject to conditions. Applicant subject to credit and underwriting approval. Not all applicants will be approved. Restrictions may apply.

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, Inc. 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 for current rates and for more information.

For agent presentation only

Same-Day Mortgage

Clear clients to close in as fast as 24

+ Simplify the loan process with a single expert handling both the processing and underwriting

+ Put your clients on track to close in as fast as 10 days,** thanks to CTCs as fast as 24 hours*

+ Incentivize buyers to provide paperwork on requested timeframe with a $250 lender credit*

+ Meet sellers need to move their home fast, giving you more negotiating power and higher overall client and referral partner satisfaction

*Guaranteed Rate’s Same-Day Mortgage (aka “FastTrack”) promotion offers qualified customers who provide certain required financial information/documentation to Guaranteed Rate 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 cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Guaranteed Rate 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 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 for more information.

For agent presentation only

hours*

Power VP

+ 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 Power VP

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

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

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

+ Our team is always available to talk on the phone

Available at agents.rate.com

For agent presentation only

FlashClose Hybrid & eClose

+ 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

+ Skip the closing table with a 100% digital closing option*

*Not eligible for all loan types, HFA loans, or investors. Eligible for conforming and jumbo loans as well as primary, 2nd home and investment properties. 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. Contact Guaranteed Rate for current rates and for more information.

**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.

HELPING YOU GROW YOUR BUSINESS

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

For agent presentation only

GR Research

+ Personal finance articles published daily and nationally syndicated in local newspapers

+ ZIP code-specific market data that matters

Real Estate Market Data Includes:

+ Median home price, days on market and average price per square foot

+ For-sale inventory and maps

+ Neighborhood ratings, walkability scores and crime stats

Our proprietary data center provides you and your clients up-to-date market info.
For agent presentation only

MyAccount

+ Clients can upload their documents from t heir 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

For agent presentation only

A secure document portal that’s friendly and easy to use.
Ignite your database with our free customizable CRM. Complimentary CRM For agent presentation only Agents shall be financially responsible for their pro rata share of marketing and event costs. Available at agents.rate.com + 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

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.rate.com

For agent presentation only

+ 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 For agent presentation only

Available at agents.rate.com

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

+ 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.rate.com

For agent presentation only

ClientDrip
“Plug and play” email campaigns that help you stay in front of potential clients.
Stay top-of-mind so your past clients always remember to refer you. Postcards + Direct mail pieces can help you continuously reach your entire database + Use our customizable designs to send out postcards multiple times a month For agent presentation only Agents shall be financially responsible for their pro rata share of marketing and event costs. Available at agents.rate.com

OPEN HOUSE 414 WORMWOOD ROAD

FAIRFIELD, CT 06824

LISTED AT $789,000

Redesigned Re imagined Renovated Masterpiece. This bright sunlit home is charming from the outside but lives large on the inside with 4 super bedrooms and 2.5 baths and a magnificent mud room of abundant shelving, hooks and cubbies. This home has been rebuilt top to bottom and there are many luxury updates including Rohl Kitchen Faucet, Carrera Marble baths, Custom Lighting, High end Hardware, Substantial Stainless Steel Thermador Appliance package, Honed Carrera Marble counter tops and more. Enjoy this open floor planon first level with an 8ft Island focal point. The master suite is draped in marble with his and her vanities, stand up rain shower and soaking tub for two and barn doors and walk in closet.

30 - YEAR FIXED

JUMBO 7 - YEAR ARM

JUMBO, 20% DOWN

Rate/APR

Mortgage payment

Tax, Insurance & HOA

Total monthly Down Payment

credit profile and other criteria. Contact Guaranteed Rate for more information and up to date rates.

3.375% (APR 4.013%) 2 $2,790.51 $123.45 $2,913.96 $157,800.00

2) 7/1 ARM interest rate and monthly principal and interest (P&I) payment subject to increase after initial 7 year period. Monthly payments 1 – 84: $2790.51 with a

JUMBO,
DOWN Rate/APR Mortgage payment Tax, Insurance & HOA Total monthly Down Payment 4% (APR 4.046%) 1 $3,013.45 $123.45 $3,136.90 $157,800.00 1) Sample monthly Principal and Interest (P&I) payment of $3,013.45 is based on a purchase price of $789,000, down payment of 20%, 30 year fixed rate mortgage and rate of 4.000%/4.046% APR (annual percentage rate). Advertised rates and APR effective as of 07/15/19 and are subject to change. Above scenario assumes a first lien position, 740 FICO score, 40 day rate lock, based primary residence and are subject to change without notice.Subject to underwriting guidelines and applicant’s credit profile. Actual payment, taxes, insurance or assessments may vary. Mortgage Insurance Premium (MIP) is required for all FHA loans and Private Mortgage Insurance (PMI) is required for all conventional loans where the LTV is greater than 80%. Actual payment obligation will be greater. Not all applicants will be approved. Applicant’s interest rate and APR will depend upon the specific characteristics of applicant’s oan transaction,
20%
rate of 3.375%/4.013% APR. Monthly payments 85 359: $3,116 with a rate of 4.500%/4.568% APR. Final monthly payment of $3,114 with a rate of 5%/4.568% APR. First rate adjustment cap: 5%; subsequent annual caps: 2%; lifetime adjustment cap: 5%. Interest rate and payments after initial period are based on a margin of (0.00%) and a current 1 YR Libor Index of (0.000.) Sample payments based on purchase price of $789,000 with a 20% down payment and 30-year term. Advertised rates and APR effective as of 07/15/19 and are subject to change without notice. Above scenario assumes a first lien position, 740 FICO score, 45 day rate lock on a primary residence and are subject to change without notice. Subject to underwriting guidelines and applicant’s credit profile. Actual payment, taxes, insurance or assessments may vary. Actual payment obligation will be greater. Not all applicants will be approved. Restrictions apply Contact Guaranteed Rate for more information and up to date rates. Turn lookie-loos into bona fide buyers. 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 123 FIRST STREET CHICAGO, IL 60601 For agent presentation only Agents shall be financially responsible for their pro rata share of marketing and event costs. Available at agents.rate.com

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

For agent presentation only Agents shall be financially responsible for their pro rata share of marketing and event costs. Available at agents.rate.com

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 only

shall be financially responsible for their pro rata share of marketing and event costs.
Agents
Available at agents.rate.com
Exclusive “insider” Facebook group for agents. Private Facebook Group For agent presentation only + Active discussions with real estate agents across the country + Live updates on industry news + Invites to exclusive agent webinars, mentorship programs and training opportunities Agents shall be financially responsible for their pro rata share of marketing and event costs. Join us at facebook.com/groups/agentadvantageinsider
Bring more value to your buyers. 96% Customer Satisfaction Source - Guaranteed Rate’s Averaged Customer Satisfaction Score (Average from January – December 2022) Savings, if any, vary based on consumer’s profile and other factors. Restrictions apply. For agent presentation only + With a 96% customer satisfaction rating* you can count on us + Reduce your clients’ stress with a streamlined insurance experience + Get “same day” service the day you make the introduction + Be confident with accurate data and reduced errors in collaboration with me and an expert insurance agent Guaranteed Rate Insurance Guaranteed Rate, Inc. may choose to recommend Guaranteed Rate Insurance, LLC to provide insurance services. Guaranteed Rate, Inc. has 100% ownership and a direct or indirect financial interest in Guaranteed Rate Insurance, LLC (d/b/a Larchmont Insurance Agency, LLC in California (License 0K09890), New Hampshire (License 2065537), and Texas (License 2557056)) . You are not required to use Guaranteed Rate Insurance, LLC as a condition for, settlement of your loan on, or purchase, sale, or refinance of, the subject property. There are frequently other settlement service providers available with similar services. You are free to shop around to determine that you are receiving the best services and the best rate for these services.

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 only

Agents shall be financially responsible for their pro rata share of marketing and event costs.
We know how to throw a party. For agent presentation only Agents shall be financially responsible for their pro rata share of marketing and event costs. + 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 Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc felis felis, consequat sed ex ut, interdum sodales lacus. Maecenas eu nulla pretium nisl molestie scelerisque. Aenean fringilla lorem ut felis aliquet iaculis. Saturday, September 9 from 5:30 pm — 10 pm 3940 N Ravenswood Chicago, IL 60613 I’m looking forward talking business and showing you our latest, greatest marketing material! EVENTBRITE.COM/RSVP Please join us for OKTOBERFEST DATE AND TIME LOCATION NMLS ID:856043, LO#: AZ 0919996 0907078 NMLS #2611, (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) John Smith Senior VP of Mortgage Lending 3940 Ravenswood Chicago, 60613 Let’s get started! O: (999) 999-9999 C: (999) 999-9999 Rate.com/johnsmith john.smith@rate.com Jane Doe VP of Mortgage Lending (000) 000-0000 janedoe@Rate.com Rate.com/JohnDoe Guaranteed Rate marketing material will be made available at this event. Jane Doe NMLS #12345 Guaranteed Rate NMLS: 2611, For licensing information, go to www.nmlsconsumeraccess.org Guaranteed Rate 3940 N Ravenswood, Chicago, IL 60613 Monday, June 6 6–9 pm Iqui sunt qui con eat. Pudaerchit quunda cusandae consequist ilit, ut fugit ut molest, si anturi conem ut lab idicimp eliasserume sundion nosam autem ilis am re suntur. Please RSVP at eventbrite.com/RSVP Having Fun John Sampleman’s First-Time Homebuyer’s Seminar Please RSVP at: eventbrite.com/RSVP Thursday, July 30, 4:00 – 8:00 p.m. Corporate Office – 3940 N. Ravenswood, Chicago, IL 60613 Guaranteed Rate marketing material will be made available at this event. NMLS ID #2611 (For licensing information, visit www.nmlsconsumeraccess.org) John Sampleman NMLS ID #12345 LOOKING TO BUY YOUR FIRST HOME? You don’t want to miss this. Jane Doe VP of Mortgage Lending (000) 000-0000 janedoe@Rate.com Rate.com/JohnDoe Guaranteed Rate NMLS: 2611, For licensing information, go to www.nmlsconsumeraccess.org Loan Officer Name NMLS ID 123456 Location Guaranteed Rate 3940 N Ravenswood, Chicago, IL 60613 Date & Time Monday, June 6th 4:00 pm – 7:00 pm Workout Party Iqui sunt qui con eat. Pudaerchit quunda cusandae consequist ilit, ut fugit ut molest, si anturi conem ut lab idicimp eliasserume sundion nosam autem ilis am re suntur, inul lan deligni aut voluptatur sit vellam a del estiosae nullit voluptas ni dolup tat et aliquis totate posa aut enditii scimilibus estius, et exerum, con pror maio. Please RSVP at eventbrite.com/RSVP

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 agent presentation only

Agents shall be financially responsible for their pro rata share of marketing and event costs. Sign up at agents.rate.com
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 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. Guaranteed Rate 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, Inc.; NMLS #2611; For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply • AR: 3940 N Ravenswood, Chicago, IL 60613, (866)-934-7283 • AZ: 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254, Mortgage Banker License #0907078 • CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act • CO: Regulated by the Division of Real Estate, (866)-934-7283 • MA: Mortgage Lender & Mortgage Broker License #MC2611 • ME: Supervised Lender License #SLM11302 • MS: 3940 N. Ravenswood Ave., Chicago, IL 60613 • NH: Licensed by the New Hampshire Banking Department, Lic #13931-MB • NJ: 3940 N Ravenswood, Chicago, IL 60613, (866)-934-7283, Licensed by the N.J. Department of Banking and Insurance • NY: Licensed Mortgage Banker - NYS Department of Financial Services • OH: MB 804160, 3940 N. Ravenswood Ave., Chicago, IL 60613 • OR: 3940 N. Ravenswood Ave., Chicago, IL 60613 • RI: Rhode Island Licensed Lender • TX: 3940 N Ravenswood, Chicago, IL 60613, (866)-934-7283 • WA: Consumer Loan Company License CL-2611. Top 3 ranking according to Scotsman Guide Top Mortgage Lenders 2020 Top Retail Volume List. (20230223-1817507) 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.
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