Realtor®

PartnerAdvantageProgram

America’s Fastest Growing Mortgage CompanySM

Our Story

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 approximately $7 billion in 2011.

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 the 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 our 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.

Growing Strong

11 Year Growth...3,590% Loan Volume (Year End - 2011)...$7 Billion

Our Offices:Scottsdale, AZAuburn, CABelmont, CACampbell, CACapitola, CALong Beach, CANorco, CASan Diego, CAValencia, CAWestlake Village, CABoulder, CODenver, COEdwards, COWashington Depot, CTWaterbury, CTDover, DEWilmington, DEBoca Raton, FLClearwater, FLFort Myers, FLPlantation, FLPonte Vedra Beach, FLVictor, ID

Bannockburn, ILBuffalo Grove, ILChicago, IL (5 locations)Downers Grove, ILNaperville, IL (2 locations)Northbrook, ILOak Brook, ILPalos Hills, ILPark Ridge, ILSchaumburg, ILSmithton, ILSouth Barrington, ILDyer, INGoshen, INIndianapolis, INValparaiso, INBelmont, MABoston, MAGloucester, MAFranklin, MARockland, MA

Wakefield, MAWaltham, MATroy, MIWalker, MIBloomington, MNEden Prairie, MNForest Lake, MNPlymouth, MNPrinceton, MNSlayton, MNSt. Louis Park, MNSt. Paul, MNChesterfield, MOKansas City, MOKirkwood, MOLas Vegas, NVNashua, NHCedar Knolls, NJCherry Hill, NJHammonton, NJHoboken, NJLambertville, NJLyndhurst, NJ

Madison, NJMarlton, NJMiddletown, NJMount Arlington, NJNorth Wildwood, NJOcean City, NJParsippany, NJTuckerton, NJWoodbridge, NJCorrales, NMGarden City, NYChapel Hill, NCCornelius, NCHendersonville, NCMatthews, NCRaleigh, NCWilmington, NC (2 locations)Winston-Salem, NCBend, ORAllentown, PABensalem, PAChester Springs, PA

King of Prussia, PAKingston, PALords Valley, PAMilford, PAPhiladelphia, PAPlymouth Meeting, PACranston, RIEast Greenwich, RINewport, RIKnoxville, TNDallas, TXMidvale, UTFairfax, VABarre, VTWoodstock, VTBellevue, WAVancouver, WABrookfield, WIKenosha, WIMadison, WIOconomowoc, WIOnalaska, WI

In The News

Lender of the Year2010&2011

National Ad Campaigns

2008200920102011

• “Lender of the Year”

• Tribune’s list of the Best Places to Work

• Inc.5000’s list of the Fastest Growing Private Companies in the United States

• Crain’s List of the Fifty Fastest Growing Companies six years running

• MortgageExecutive Magazine for having the Most Top 100 Originators Nationally, Greatest Number of Originators in the Top 1% in America

• Guaranteed Rate the #3 Mortgage Company in America based on origination volume

• Victor Ciardelli, 2012 Ernst & Young Entrepreneur of the Year - Midwest Region

Daily Low Rates and FeesGuaranteed Rate offers a daily comparison of interest rates given by the top lenders in the market. These rates are published on the Guaranteed Rate website home page.

Our Search Engine

Full Products & Pricing

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• Loan amounts up to $979,250 in Agency High Cost areas• 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 - 08/01/12

Partner Xchange

Partner XchangePersonalizedtoolstodriveyourbusiness

PartnerXchangehasthetechnologytohelpagentsgrowtheirbusiness.Personal branded magazines for your clients, loan status updates, mortgage calculators, dashboard of real estate news/videos and discounts through our affiliated service providers. Enrollonline atnocost!

Enjoy MagazineCustom FlyersMortgage Application StatusConsumer XchangeReferral Xchange Mortgage CalculatorsNews & VideosService Providers

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.

Access all of the tools and services offered as part of our Realtor® Partner Advantage Program on our Partner Xchange website:www.guaranteedrate.com/agent

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

Call 855.565.2236 for a demonstration

Partner XchangePersonalizedtoolstodriveyourbusiness

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 855.565.2236 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.

MarketingCo-Branded Property Materials

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

eNeighborhood Reports eNeighborhood Reports provide

potential home buyers the ability to preview neighborhoods; they include

demographic information, schools and other useful data about that

neighborhood. The Loan Officer can request these reports through the

Marketing Department.

MarketingTransaction Envelopes

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

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 • 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 - To check the license status of your mortgage loan originator, visit http://www.dora.state.co.us/real-estate/index.htm • 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 - Lic # 4453/2009 - 3940 N. Ravenswood Ave., Chicago, IL 60613, Licensed by the Mississippi Department of Banking and Consumer Finance • MO - Lic # 10-1744 • MT Lic#2611 icensed 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 Banking Department - 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• TN - Lic #2958 • 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

America’s Fastest Growing Mortgage CompanySM