GRA Best of the Best

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.

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 will help you grow your business, have a better quality of life and make more money.

The seven pillars of our Winning Formula will help you dominate, celebrate and repeat, over and over again.

OUR VIBE

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.

BUILD YOUR BIZ UP YOUR GAME

Our proven best-practices model helps you build your personal brand, create buzz and exponentially grow your business to become #1 in your market.

BE A RAINMAKER

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!

YOUR COMPETITIVE EDGE

New can’t-miss opportunities hosted every month provide resources and tools to grow and build your business as fast as humanly possible.

RED ARROW TECH

Our suite of proprietary technology helps you generate leads, build relationships, close loans and delight borrowers.

POWER OF PARTNERSHIP

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.

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

These 10 values are what we stand for and live by every day:

• We grow for good.

• We put the customer first.

• We work with the best of the best.

• We think big.

• We have grit.

• We have an owner’s mentality.

• We take decisive action.

• We demand excellence.

• We hold ourselves and others accountable.

• We give a sh!t.

Customer Satisfaction

Our net promoter score of 87 is proof that our Core Values aren’t just talk.*

GR Foundation

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.

Our Foundation is powered by employees— we’d love to have you help out too.**

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

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.

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

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

Marketing Portal

Our CRM and marketing portal helps build your brand and turns your borrowers into your sales force

Streamline Your Time

Close more loans faster, manage your team, and keep your pipeline flowing with less stress and more free time.

Referral Partner Relationships

Arm your referral partners with tools for their success. Build more agent relationships and stregthen the ones you have with Agent Advantage, our dedicated agent site stocked with tools and coaching to help your referral partners grow their business.

Automated Tools

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.

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.

Personalized Marketing

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.

Social Media

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.

National Brand

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.

Customized Events

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.

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.

Sponsorship Deals

Major sports sponsorship deals that earn hundreds of millions of impressions.

UP YOUR GAME

If you want to be the best, you have to hang with the best. Boost your skills by attending these two can’t-miss opportunities and hearing from the best loan officers around the country who candidly discuss the keys to their success.

THE PULSE

HOSTED BY VICTOR CIARDELLI, CHAIRMAN, BI-WEEKLY

Get the inside view on the industry landscape and advice on how to win from a proven winner.

SHARING SUCCESS

FEATURING THE BEST OF THE BEST BI-WEEKLY

Hear the best practices of some of the top LOs in the country.

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

Our secondary platform gives us all the toys of the big boys while still keeping the entrepreneurial spirit alive.

• 50+ investors, including money center banks, commercial banks, private securitization and credit unions

• 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.

Programs

Our in-house team develops portfolio programs for conforming, jumbo, VA and FHA programs. We offer products including:

• Dream Bigger – Wrap new construction post-close improvements into a borrower’s mortgage

• Landscaping

• Pools

• Finished basements

• Premier Builder – Lock N’ Build extended locks, Builder Appraisal Panels, Buydowns* and Digital Mortgage Kiosks** in builder sales centers

POWER OF PARTNERSHIP

What is the power of partnership? Well, here at Guaranteed Rate Affinity, we are not your typical in-house model. Guaranteed Rate Affinity is a joint venture between Guaranteed Rate, Inc. and Anywhere Real Estate Inc. Through this joint venture, Guaranteed Rate Affinity provides mortgage services to Coldwell Banker’s company-owned real estate brokerage business. Because we license space in their offices, you’ll be in the best position to build strong, lasting and rewarding relationships with agents.

Our unique relationship with Anywhere Real Estate Inc. gives you an advantage over other originators.

Our Loan Officers have the ability to work with all referral partners while gaining access to Coldwell Banker agents through the Anywhere Real Estate Inc. umbrella.

Access

Inclusion in all office communication and opportunities to provide training and open house support

Personal Introductions

Meetings with top 30% of agents to develop strong relationships

Brand Exposure

Signage and marketing materials within the office

Take your brand to the big leagues.

SEAMLESS TRANSITION

We know you’re concerned about the transition, and it’s a big concern. That’s why we have a triedand-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

Hit the ground running with a customized marketing plan, including moving accouncments, a personal website and social media posts.

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:

2023: Playa del Carmen

2022: Tulum, Mexico

2020 and 2021: Riviera Maya, Mexico

2019: Nassau, Bahamas

2018: Punta Cana, Dominican Republic