RealtorPartnerAdvantageProgram

The Home Purchase ExpertsSM

Guaranteed Rate was founded in 2000, and has since become one of the largest independent residential mortgage lenders in the nation. Since inception, Guaranteed Rate has continued to experience rapid growth with an increase in funding volume from $195 million in 2000 to more than $14.5 billion in 2012.

The company’s innovative and unique approach to mortgage lending has been the key to its phenomenal success. Taking the best practices from market leaders in other industries and applying them to the mortgage business, Guaranteed Rate has instituted innovative systems and technologies that have significantly reduced overall operating costs – a savings that is passed on to consumers by offering low rates and fees.

The company’s leading edge approach has also produced a much higher level of customer service. The application process has been streamlined and automated so that a customer can apply online and get pre-approved within one hour. Much of the underwriting process has been automated; reducing the total time a customer is able to close their loans from months to days.

Guaranteed Rate has developed a Realtor Partner Advantage Program along with an online Partner Xchange to provide extensive marketing support for their agents. The program is based on feedback from the real estate community and includes services such as custom flyers, a monthly magazine for clients, loan status updates, mortgage calculators, dashboard of real estate news/videos and discounts through our affiliated service providers.

Our Story

Growing Strong

12 Year Growth...7,336% Loan Volume (Year End - 2012)...$14.5 Billion

Our Offices:Scottsdale, AZAuburn, CABelmont, CACampbell, CACapitola, CAEncinitas, CA Los Alamitos, CANorco, CANovato, CAPetaluma, CARoseville, CASan Diego, CASan Ramon, CA Valencia, CAWestlake Village, CABoulder, CODenver, COEdwards, COWashington Depot, CTWaterbury, CTWashington, DCOcean View, DEWilmington, DEBoca Raton, FLClearwater, FLFort Myers, FLPalm Beach Gardens, FLPlantation, FL

Ponte Vedra Beach, FLAtlanta, GAVictor, IDBuffalo Grove, ILChicago, IL (7 locations)Downers Grove, IL Frankfort, ILNaperville, IL (2 locations)Northbrook, ILOak Brook, ILPalatine, ILPalos Hills, ILPark Ridge, ILSchaumburg, ILSmithton, ILSouth Barrington, ILDyer, INGoshen, INIndianapolis, INValparaiso, INOverland Park, KSNew Orleans, LACape Elizabeth, MEPortland, MEBoston, MA (2 locations)Gloucester, MAFranklin, MA

Rockland, MAWakefield, MAWaltham, MA (2 locations)Troy, MIWalker, MIBloomington, MNDetroit Lakes, MNForest Lake, MNPlymouth, MNPrinceton, MNSlayton, MNSt. Louis Park, MNSt. Paul, MNChesterfield, MOKansas City, MOKirkwood, MOLas Vegas, NVBethlehem, NHManchester, NHNashua, NHCherry Hill, NJHammonton, NJHoboken, NJLambertville, NJLyndhurst, NJMadison, NJMarlton, NJ

Mount Arlington, NJNorth Bergen, NJNorth Wildwood, NJOcean City, NJParsippany, NJRed Bank, NJTuckerton, NJWoodbridge, NJCorrales, NMBrooklyn, NYCroton on Hudson, NYEast Hampton, NYGarden City, NY Hopewell Junction, NYNew York, NY (2 locations)Southampton, NYChapel Hill, NCCharlotte, NCCornelius, NCHendersonville, NCRaleigh, NCWilmington, NC Winston-Salem, NCBend, ORPortland, ORAllentown, PAChester Springs, PA

Kingston, PALords Valley, PAMilford, PAPhiladelphia, PAPlymouth Meeting, PACranston, RINewport, RIWarwick, RINashville, TNCypress, TXDallas, TXHouston, TX (3 locations)Katy, TXRichmond, TXMidvale, UTReston, VABarre, VTWest Dover, VTWoodstock, VTMaple Valley, WASeattle, WAVancouver, WABrookfield, WIKenosha, WIMadison, WIOnalaska, WISun Prairie, WIJackson, WY

Licensed in 49 states

Guaranteed Rate is continually growing and adding new branches. The branch locations listed above are current as of 02/27/2013.

In The News

20082009201020112012

Accolades: 2011 & 2012

• Guaranteed Rate is the country’s largest independent residential mortgage company with an in-market presence

• Guaranteed Rate is the 10th largest retail mortgage lender in America

• ChicagoAgentMagazine’s 2011 “Lender of the Year”

• Inc.Magazine’slist of the Fastest Growing Private Companies in the United States for the last five consecutive years

• Crain’sChicago list of the Fifty Fastest Growing Companies six years running

• More Top 200 Loan Originators, as ranked by ScotsmanGuide, work at Guaranteed Rate than at any other mortgage company

• Guaranteed Rate has the Most Top 100 Originators Nationally and Greatest Number of Originators in the Top 1% in America according toMortgageExecutiveMagazine

• ChicagoTribune’s list of the Best Places to Work

• Victor Ciardelli, 2012 Ernst & Young Entrepreneur of the Year award winner

National AD Campaigns

Loan Technology Designed to Save You Time and MoneyOur online loan application makes it easy for your clients to select a loan that is right for them. They simply choose a loan product, customize a rate and get their free credit score from all 3 bureaus. Get approved instantly - with Guaranteed Rate’s automated underwriting service, they’ll get an approval letter to purchase their home in just minutes. Clients can track their loan from start to finish at any time.

Easy Online Application

Our Advantage

Guaranteed Rateis a Lender with

In-House Underwriting & Closing

24-48 Hour Turn Times

Full Product Offering With Top Lending Institutions

FHA Loans & In-House FHA Underwriting

FHA/FNMA In-House Condo Approvals

Full FHA 203(k) Department

Full Marketing and Business Development Support

Realtor Resource Website: Partner Xchange - guaranteedrate.com/agent

Full Products & Pricing

Conforming Options• 25+ Correspondent Lenders available• 97% financing available• Direct Lender with Fannie/Freddie• DU Refi Plus and Freddie Mac Open Access Programs

available with and without MI• Blended Ratios (LP)• Guaranteed Rate warrants all Condominiums through

internal condo department• Co-ops• Condo - 51% Pre-Sale requirements with CPM approval• Purchases on properties owned < 90 days with

unlimited increase in sales priceFHA• 12+ fully delegated underwriters on staff• 9+ Correspondent lenders available• FICO as low as 640 on purchase transactions• FHA High Balance available• In house Condo approvals• No minimum trade line requirements• 90 day purchase flips OK with unlimited increase

in valueVA• 4+ fully delegated underwriters on staff• 9+ Correspondent Lenders available• IRRRLs available• VA high balance available

USDA• 3+ Correspondent Lenders available• FICO as low as 640Jumbo Options• 10+ Correspondent Lenders available• 16+ Wholesale/Portfolio Lenders available• Non-warrantable Condos• 90% LTV with NO MI on Condo/SFR• 80% LTV/85% CLTV to $1M• 75% LTV/80% CLTV to $1.5M• Loan amounts up to $10M• FICOs down to 660 for self-employed borrowers• FICOs down to 680 for W2 borrowers• In-house underwriting• 50% DTI• Co-ops and Condo-tel financing• Foreign National Programs• Pledged Asset Programs• Asset Depletion Programs• Vesting in LLC or Corporations• Unlimited acreage options• Second homes with some rental income

*accurate as of date of production - 02/17/13

Partner Xchange

3-StepEasyRegistration Register online at guaranteedrate.com/agent and click on: Enter some basic contact information, and your affiliated Guaranteed Rate loan officer.You will receive a confirmation email to activate your account.

www.guaranteedrate.com/agent ● Email partnerxchange@guaranteedrate.com

Call 866.934.7283 for a demonstration

Partner XchangeBusiness-DrivingToolsandContentforRealEstateProfessionals

Signupnow–it’sfree!www.guaranteedrate.com/agent

Loan Status MonitorStay in the loop with the status of your clients’ home loans automatically, from application all the way to closing.

Demystifying the Mortgage ProcessA six-step, easy-to-understand guide to getting a home loan written especially for first time buyers and personalized with your picture and yourcontact information.

Enjoy MagazineA free monthly personalized e-magazine that is perfect for connecting with your clients.

Social Radio LiveLearn how to grow your network with social media tips, videos, and resources.

Custom FlyersOur co-branded, custom flyers are a free and instant solution for you. Showcase your current listings or promote your services.

Special OffersYour clients can receive a $150 closing cost credit* when they finance throughGuaranteed Rate!

Consumer XchangeMarket yourself to clients searching for realtors – they can see your picture and a summary of your background, skills, etc.

News & VideosStay connected with the latest real estate news and videos.

Partner Xchange

Open House Flyers Create a professional, one page flyer featuring your selected property. With a side-by-side loan product comparison and general home details, you will provide valuable information to potential buyers and get your home sold more quickly!

Automatic Custom Flyers Are you looking to feature your

home showcasing abilities or educate a client about online listings? Or even just get the

word out that you are the best agent available? The Partner Xchange provides you with

marketing flyers that allow you to do this - and more!

www.guaranteedrate.com/agent ● Email partnerxchange@guaranteedrate.com

Call 866.934.7283 for a demonstration

Partner Xchange

Enjoy Magazine Exclusive to the Partner Xchange, Enjoy Magazine is free, customized and perfect for connecting with your clients! This marketing piece is offered monthly and filled with fun, exciting material geared towards increasing your business visibility and sales. Simply view your magazine and distribute to your clients directly through the Partner Xchange via email, Facebook, Twitter, or print and mail.

Application Status Monitor Never wonder about your

client’s loan status again! The application status chart tracks

all of your clients’ loans at Guaranteed Rate, allowing

you to know the current status - from pre-application to closing - in real-time. Now

when an anxious client calls for a mortgage status update, you will be able to access the most

up to date information.

MarketingCo-Branded Postcards & Flyers

Co-Branded Postcards & FlyersChoose from dozens of already designed, co-branded postcards and flyers. Popular options include workshop and seminar invitations, rent vs. own postcards and postcards geared towards specific neighborhoods. Looking for something custom? Our Marketing Department will work with you and your Loan Officer to create a postcard or flyer to fit your needs.

Marketing

Just Listed/Just Sold PostcardsSend custom Just Listed or Just Sold postcards to a radius around the specified property. Your Loan Officer can make the request through the Marketing Department for these custom, co-branded postcards.

Web Ads We can create a custom web ads for your website that link directly

to your Loan Officer’s online application. They are attractive,

convenient and your Loan Officer’s site is just one click away!

Marketing

Transaction EnvelopesGuaranteed Rate can provide oversized, lined legal envelopes that can be used for organizing and tracking your client’s transaction information.

Co-Branded Bio FlyersWe can customize a joint bio flyer so your buyers can learn more about you and your preferred Guaranteed Rate Loan Officer.

Broker Open Catering

Complimentary lunch courtesy of Guaranteed Rate!Guaranteed Rate sponsors lunches for Broker Opens hosted by our Realtor Partners. Food and refreshments can be provided by one of our preferred vendors.

Leave the details to us!Orders are delivered to the property;

marketing materials such as Open House Flyers, pens, and post-its can also be provided.

Planning events are a fun, exciting way to interact with your clients and build your business! We’ve come up with some fun and successful party ideas to make planning your next event stress and hassle free. Select your favorite package and supply our Events Team with the necessary information to get your party started! Every package can be tailored to your individual needs.

Networking Events

NMLS (Nationwide Mortgage Licensing System) ID 2611 • Alabama Lic# 21566 • AK Lic#AK2611 • AR Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283• AZ - Guaranteed Rate, Inc. - 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254 Mortgage Banker License # BK-0907078 • CA - Licensed by the Department of Corporations under California Residential Mortgage Lending Act Lic #413-0699 • CO- Guaranteed Rate, Inc. Regulated by the Division of Real Estate, 773-290-0505 • CT - Lic #17196 • DE - Lic # 9436 • DC - Lic #MLB 2611 • FL-Lic# MLD618 • GA - Residential Mortgage Licensee #20973 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • ID - Guaranteed Rate, Inc. Lic #MBL-5827 • IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 • IN - Lic #11060 & #10332 • IA - Lic #MBK-2005-0132 • KS - Licensed Mortgage Company - Guaranteed Rate, Inc. – License #MC.0001530 • KY - Mortgage Company Lic #MC20335 • LA - Lic #RML2866 • ME - Lic #SLM1302 • MD - Lic #13181 • MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611 • MI - Lic #FR-0016637 & SR-0011899 • MN - Lic #MO 20526478 • MS –Guaranteed Rate, Inc 3940 N. Ravenswood Ave., Chicago, IL 60613-Mississippi Licensed Mortgage Company, Lic # 2611 - • MO – Guaranteed RateLic # 10-1744 • MT Lic# 2611 • Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance • NE - Lic #1811 • NV - Lic #3162 & 3161 • NH - Guaranteed Rate, Inc. dba Guaranteed Rate of Delaware, licensed by the New Hampshire Banking Department - Lic # 13931-MB • NM - Lic #01995 • NY - Licensed Mortgage Banker—NYS Department of Financial Services- 3940 N Ravenswood, Chicago, IL 60613 Lic # B500887• NC - Lic #L-109803 • ND - Lic #MB101818 • OH – Lic #MBMB.850069.000 and Lic #SM.501367.000 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • OK - Lic # MB001713 • OR - Lic #ML-3836 - - 3940 N. Ravenswood Ave., Chicago, IL 60613 • PA - Licensed by the Pennsylvania Banking Department Lic #20371 • RI – Rhode Island Licensed Lender Lic # 20102682LL, RI – Rhode Island Licensed Loan Broker Lic # 20102681LB• SC – Lic #-2611 • TN - Lic #109179 • SD Lic# ML.04997 • TX - Lic # 50426 & Lic # 47207 • UT - Lic #7495184- • VT - Lic #LL6100 & MB930 • VA – Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769 • WA - Lic #CL-2611 • WI - Lic #27394BA & 2611BR • WV – Lic #ML-30469 & MB-30098 • WY – Lic#2247

The Home Purchase ExpertsSM