Guaranteed Rate OverviewThe Home Purchase ExpertsSM

Presented By Sean WohlandVice President of Mortgage Lending

About Guaranteed Rate

• Founded in 2000 by President and CEO Victor Ciardelli

• Since 2000, double-digit growth each year, becoming the 2nd largest independent mortgage company in the nation!

• More than 2,500 employees, more than 150 offices Nationwide

• Licensed in all 50 states plus Washington D.C.

Accolades• Guaranteed Rate named the 8th Largest Retail Mortgage Lender in America

(Source Media, 2012)• Guaranteed Rate was named the #1 Mortgage Company, has the Most Top 200

Originators nationally (30), and has the Most Originators in the Top 1% in America (Mortgage Executive Magazine, 2012)

• More Top 300 Loan Originators (30), as ranked by Scotsman Guide (2012), work at Guaranteed Rate than at any other mortgage company

• Featured on Chicago Tribune’s list of the Best Places to Work• Featured on Inc. Magazine’s list of the Fastest Growing Private Companies in

the U.S. for the last five years• Included on Crain’s Chicago list of the Fifty Fastest Growing Companies six

years running• President and CEO Victor Ciardelli named as a 2012 Ernst & Young Entrepreneur

of the Year award winner

Focused on Customer Service• Company-wide 96% Customer

Satisfaction Rating• BBB A+ Rating• According to the Consumer Financial

Protection Bureau, Guaranteed Rate leads the industry by leaps and bounds when it comes to fewest customer complaints.

• We not only had the fewest complaints, but on a volume-adjusted basis, the company was also number 1 with only 1.02 complaints per 10,000 funded loans.

GR is a Lender with

• In-House Underwriting & Closing• 24-48 Hour Turn Times• Full Product Offering With Top Lending Institutions• Fannie and Freddie Direct• FHA Loans & In-House FHA Underwriting• FHA/FNMA In-House Condo Approvals• Jumbo Financing Programs• Full FHA 203(k) Department• State Bond Programs

Conforming Options

• 25+ Correspondent Lenders available

• 97% financing available with PMI & condos

• Direct Lender with Fannie/Freddie, Fixed & ARMS

• DU Refi Plus and Freddie Open Access Programs

• Guaranteed Rate Warrants all Condos & Coops through internal condo departments

• Condo 51% CPM Approval / PERS Available

• Purchases on properties owned <90 days with unlimited increase in sales price with Fannie /Freddie

FHA

• FHA streamline with no appraisal

• 7 Correspondent lenders available

• FHA High Balance available

• In house Condo approvals

• No minimum trade line requirements

• 90 day purchase flips OK with unlimited increase in value

• Minimum FICO score 640

VA Loan• 7 Correspondent lenders available

• IRRLs available

• VA Jumbo

• Minimum FICO score 640

Second Mortgages

• Up to 90% CLTV piggyback loans

• Fixed & HELOC available

Jumbo Options• 10+ Correspondent Lenders available

• 16+ Wholesale/Portfolio Lenders available

• Non-warrantable Condos up to $1,000,000 Correspondent/$3,000,000 Broker

• 90% LTV with no MI on SFR/Condo to $750,000

• 85% LTV with no MI on SFR/Condo to $850,000

• 80% LTV to $1,500,000

• 70% LTV to $2,500,000

• In House Delegation

• 50% DTI

• Foreign National Programs

• Asset Depletion Programs

• Unlimited Acreage options

• ARM Interest Only Available

Commercial Loans

• Simple Process/All data collection, underwriting and processing done by investors

• Multi-Family (Apartments) $1,000,000 & up to 80% LTV

• Owner Occupied to $9,000,000 up to 90% LTV

• Office & Industrial $1,000,000 & up to 75% LTV

• Investment Owned Single Tenant Investment Properties $1,000,000 & up to 75% LTV

USDA Loan• 3 Correspondent lenders available

• 100% Financing

• 30 Year Fixed

• Property eligibility and income limits apply

• Minimum FICO score 640

Industry Low Rates and Fees

• We shop for the best rates and products from the Nation’s top lenders to find the perfect fit for your needs.

• We provide a daily “apples-to-apples” comparison of the lowest more rates and fees of top lenders. When everybody’s rates are compared on a level field, Guaranteed Rate comes out on top.

Convenient Online Application

Easy to use consumer friendly online application:

1. Choose a rate 2. Free credit report3. Instant approval with

Freddie Mac’s AUS4. Check loan status 24/75. Print a pre-approval letter

Free Informative eBooks

Social Media

• Monthly social media webinars geared solely toward Realtors– New topic every month– Prize giveaways– Q&A

www.guaranteedrate.com/agent

Partner Xchange Agent website adds value from start to finish

• Initiate new business

• Help execute the deal

• Keep clients informed of the loan process

• Maintain relationships

Sean WohlandVice President of Mortgage Lending

P: 480-748-9989 ArizonaP: 818-514-5626 CaliforniaSean. Wohland@GuaranteedRate.comwww.SeanWohland.comNMLS: 856043

Contact Us

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 Business Oversight, Division of Corporations under the 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 • HI Lic#HI-2611 • 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 Rate Lic # 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 Department of Banking and Securities Lic #20371 • RI – Rhode Island Licensed Lender Lic # 20102682LL, RI – Rhode Island Licensed Loan Broker Lic # 20102681LB • SC – Lic #-2611 • SD Lic# ML.04997 • TN - Lic #109179 • 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