Grow your business with Guaranteed Rate

An essential guide from the mortgage company that helps real estate agents succeed.

! Learn how to deliver consistent results by staying a step ahead of operational policies, procedures and government regulations. Visit gateless.com.

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Write stronger offer letters with Guaranteed Rate’s Digital MortgageThe Digital Mortgage provides an instant approval when your clients make an offer.

The Digital Mortgage gives your clients an advantage over other home buyers. Our automated underwriting system delivers a REAL loan approval in minutes so they can make an offer that’s more likely to be accepted than an offer from someone who is not approved. ‡

GR LOANS

THE QUINTESSENTIAL APP FOR MOBILE MORTGAGES

REAL-TIME CALCULATORS

TONS OF LOAN OPTIONS AVAILABLE TO COMPARE

• Have more freedom and control of their mortgage process

• Choose their own loan type from a variety of options

• Get their FREE CREDIT SCORES from all three credit bureaus

†

• Securely upload and digitally sign their loan documents

• Get a REAL online approval

from our automated underwriting engine

‡

• Make an offer on the spot when they find their dream home

Whether you’re with clients in your car, meeting for the first time at an open house, or out showing them a home, our Digital Mortgage lets them:

† If applicant self-reports credit score as “needs improvement,” Guaranteed Rate will not run credit or provide free credit scores via the Digital Mortgage. Applicant may request credit scores by contacting Guaranteed Rate.

‡“Real Approval” means an automated underwriting system approval based upon credit information supplied by applicant and subject to Guaranteed Rate’s review of loan documents. 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 for current rates and visit www.guaranteedrate.com/restrictions for more information.

The GR app: The ultimate tech business cardFirst we introduced the World’s First Digital Mortgage solution, then we further revolutionized the industry with the GR mobile app.

Now our loan officers can effortlessly and immediately share their contact info and pricing with you, which you can share with your clients just as easily.

Even the best salespeople need to develop their closing skills. Find out how top agents get deals closed at gateless.com.

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From first-time buyers to seasoned investors, Guaranteed Rate’s product offering allows us to approve more applicants so you can sell more homes.

More loan programs for more clients

We’ve helped over 500,000 happy customers buy or refinance their homes. They’ve helped us achieve:

• A 95 percent customer satisfaction rating1

• An A+ rating from the Better Business Bureau

• An 80 percent Net Promoter® Score, far exceeding the 18 percent banking industry average and beating companies like Zappos, Amazon and Apple2

• Licensed in all 50 states and Washington, D.C.

Conforming• 9+ correspondent lenders available

• 97% financing options

• Direct lender with Fannie Mae and Freddie Mac

• Locks available without a secured property

• DU Refi Plus and Freddie Open Access Programs

Government Lending FHA, VA & USDA• 7 correspondent lenders available

• Full FHA 203(k) department

• FHA high balance available

• FHA in-house underwriting

• IRRRLs available

• No minimum credit trade line requirements

• VA Jumbo available

Jumbo• 14+ correspondent lenders

available

• 20+ wholesale lenders available

• Non-warrantable condo options

• 90% LTV ARM options up to $850K

• 85% LTV Fixed options up to $1.5M

• In-house delegation to $3M

• Foreign national programs

• Interest only available

Second Mortgage• Fixed second

• Home equity line

Renovation Lending• HomeStyle

• FHA 203k (Streamline & Full)

Commercial Lending3• Simple process/all data collection

underwriting and processing completed by investors

Current as of 08/13/2016

1 95% Customer Satisfaction: Data Source: Guaranteed Rate’s Client Satisfaction Surveys (Averaged 2007-2015).

2 Data pulled from Guaranteed Rate's Customer Satisfaction surveys (2010-YTD 2016) and npsbenchmarks.com

3 Commercial loans not available in AZ, CA, NJ, NY, NC and VT.

Source: Guaranteed Rate's funded loan data from 2000-2016

The information in this flyer is for the dissemination to and for the use of real estate entities only and is not an advertisement for the extension of credit to consumers.

Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

We’re the first company to allow borrowers to shop and compare rates online so they can make an intelligent, informed decision about their mortgage. The Intuitive Loan Finder asks the same questions a loan officer would ask and generates personalized results in as little as two minutes when other lenders can take hours or days to provide clients with their loan options and rates.

Your clients can sort by:

• Lowest monthly payment

• Lowest interest rate

• The right loan term

Guaranteed Rate’s Intuitive Loan Finder helps your clients find the perfect loan for them.

Start closing faster. Learn how to integrate Guaranteed Rate tools into your real estate sales process today at gateless.com.

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Coaching Gateless shares the secrets of success directly from billion-dollar real estate agents themselves. With our massive library of free sales-coaching videos, detailed business playbooks, and specific advice from today’s top agents, you have all the information you need to double your business and take your career to the highest levels.

Marketing Gateless provides the easiest marketing resources you will ever try, and they won’t cost you a single cent. Take advantage of our customizable co-branded property flyers, open house materials, and even our beautifully designed client lifestyle magazine, Enjoy, to build your business and acquire more clients.

Lending Gateless works with Guaranteed Rate, the most transparent mortgage lender in the country, to answer any mortgage-related questions you have with Fannie Mae/Freddie Mac guidelines, condo qualifications, and more. The Intuitive Loan Finder guides your clients to the perfect loan with up-to-the-second rates. And the World’s First Digital Mortgage gives your clients a real online approval in minutes before you show them any houses. It even emails real-time loan status updates regarding your client’s progress directly to you!

Your path to unlimited success is available anytime, anywhere. No cost to you!

Gateless is dedicated to helping you grow your business.

While other lenders ask you for buyers, Gateless gives you the knowledge, the tools and the systems to generate more buyers, more sellers and a more profitable business.

• Live loan status updates let you know what’s happening with your buyer’s mortgage

• A strong web presence with plenty of shareable content that positions you as a real estate expert within your sphere of influence

• Access to today’s most successful agents who share the secret to producing $100 million in annual sales

gateless.com

Create a buzz in print, online and in person

Print• Postcards

• Flyers

• Dual bio flyers

• Banner ads

• Custom signage

• Enjoy magazine

Social Media• Educational video tutorials

on new technologies, best practices and industry trends

• Shareable content via the Gateless blog

• Agent Playbooks

• Mojo Minute videos

• Sales coaching

• Ultimate resource kits

Sponsored Events• Broker opens/open houses

• Movies in the park

• Community events

• Self-defense classes

• Tech training courses

• Client appreciation gatherings

• Office events

Our marketing, social media and events teams are here to help you get the most out of your database with co-branded marketing.

Personalized co-branded marketing available

Using customized printed materials and search engine optimization plus having a presence on social media and at a wide variety of events can help you join the ranks of the nation’s top agents. We’ll show you how at gateless.com.

John SmithSenior VP of Mortgage Lending

999 Address AveLongcityname, IL 9999

(917) 757-6633(917) 757-6633

Cell:

Office:

Let’s Talk

guaranteedrate.com/ johnsmithjohn.smith

@guaranteedrate.com

Apply Online Today

NMLS ID:856043, LO#: AZ - 0919996 - 0907078

2 BED, 2.5 BATH

Fantastic Central Gardens Home w/ the most inviting front porch, total renovation, 3 BR, 2BA, sep Living Rm & Dining Rm & Den, gorgeous hwd flrs, wonderful fenced bkyard, high ceilings, great natural light throughout, dual heat & air. This ones a winner!

John SmithSample Realty

C: 630.555.555.555 P: 630.555.555.555john.smith@samplerealty.comwww.johnsmitherealty.com123 Fake Street Chicago, IL 60647 DRE 1034675

$209,500O F F E R E D AT

1939 W Sample AveAnytown USA, 55555

Rates and info are valid as of X.XX.13 and subject to change without notice. Subject to underwriting guidelines and applicant’s credit profile. Contact Guaranteed Rate for more information, options and up -to-date rates. Sample loan amount $XXX,XXX with a 30-year term. Payment 1-84: $X,XXX with a rate of X.XX%/ X.XXX% APR. Payments 85- 360: $X,XXX with a rate of X.XX%/X.XX% APR. APR’s on ARM loans may increase after consummation. Periodic caps X/X/X. Based on a margin of X.XX% and a current 1 YR LIBOR Index of .XXX. Actual payment obligations will be greater. Rates and info are valid as of X.XX.13 and subject to change without notice. Subject to underwriting guidelines and applicant’ s credit profile. Contact Guaranteed Rate for more information, options and up -to-date rates.

30 YR Fixed, 20% downrate: 5.625% (APR 5.750%)

mtg. paymentmtg. insurancetaxtotal monthlydown payment

$2,648$0

$483$3,131

$115,000

mtg. paymentmtg. insurancetaxtotal monthlydown payment

$2,648$0

$483$3,131

$115,000

30 YR Fixed, 20% downrate: 5.625% (APR 5.750%)

mtg. paymentmtg. insurancetaxtotal monthlydown payment

$2,648$0

$483$3,131

$115,000

30 YR Fixed, 20% downrate: 5.625% (APR 5.750%)

Printed marketing collateral costs will be split evenly between all parties.

The fast track to more sales• No-cost sponsorship for both

broker opens and open houses complete with financing and program flyers, yard signs, and other custom co-branded marketing materials

• 24/7 loan status updates

• Access to FSBO and other leads from our Digital Mortgage online application

Partnering with Guaranteed Rate provides:

Customizable property flyers and monthly Enjoy magazine

Custom co-branded flyers Emails Advertising

Our Master Class series compiles interviews with the nation’s top agents and provides you with expert business building guidance for every aspect of the real estate business. Check it out at gateless.com.

gateless.com

Our partners love us. So will you.In their own words, top real estate agents talk about the many ways Guaranteed Rate helps them boost their bottom line. Work with us and we’ll do whatever it takes to make you echo their sentiments.

“Guaranteed Rate is my go-to lender because I

know they will get the loan

done quickly and efficiently.

They treat my clients the

same way I would, and I

don’t have to worry about

anything falling through

the cracks.”

“ I highly recommend their services! As a

real estate professional,

it is a pleasure working

with Guaranteed Rate

as they diligently and

efficiently navigate me

and my clients through

the mortgage process."

“Guaranteed Rate’s

customer service is truly the best I’ve encountered

in the mortgage industry …

and I have high standards!”

Mario GrecoThe MG Group

Gate Arty Keller Williams

Emily Sachs Wong @Properties

NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • AL - 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 #0907078 • CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #4130699 • 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# MLD1102 • GA - Residential Mortgage Licensee #20973 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • HI - Lic#HI-2611 • ID - Guaran-teed 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 #2005-0132 • KS - Licensed Mortgage Company - Guaranteed Rate, Inc. - License #MC.0001530 • KY - Mortgage Company Lic #MC20335 • LA - Lic #2866 • ME - Lic #SLM11302 • MD - Lic #13181 • MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611 • MI - Lic #FR0018846 & SR0018847 • MN - Lic #MN-MO 20526478 • MS - Guaranteed Rate, Inc. 3940 N. Ravenswood Ave., Chicago, IL 60613 - Mississippi Licensed Mortgage Company, Lic # 2611 • MO - Guaranteed Rate Lic # 14-1744-A • MT - Lic# 2611 • NJ - 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 #MB0804160 & Lic #SM.501367 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • OK - Lic # ML002651 • OR - Lic #ML-3836 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #20371 • RI - Rhode Island Licensed Lender Lic # 20102682LL, RI - Rhode Island Licensed Loan Broker Lic # 20102681LB • SC - Lic #-MLS - 2611 • SD - Lic# ML.04997 • TN - Lic #109179 • TX - Licensed in TX: Licensed Mortgage Banker & Licensed Residential Mortgage Loan Servicer- TX Department of Savings & Mortgage Lending • Utah - Licensed in UT: Utah-DRE Mortgage Entity License #7495184 & Utah-DFI Residential First Mortgage Notification – Utah Department of Financial Institutions • VT - Lic #2611-1 & 0930 MB & 6100 • 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