Guaranteed Rate Overview

The Home Purchase ExpertsSM

Presented By Xavier RamirezVice President of Mortgage Lending

8th Largest Mortgage Company

• Founded in 2000 by President and CEO Victor Ciardelli

• Licensed in 50 states plus Washington D.C.

• More than 160 Offices Nationwide

• More than 2,800 employees

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• VA and USDA loans• State Bond Programs

Conforming Options

• 27+ 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

• IRRRLs available

• VA Jumbo

• Minimum FICO score 640

Second Mortgages

• Up to 90% CLTV piggyback loans

• Fixed & HELOC available

USDA Loan• 3 Correspondent lenders available

• 100% Financing

• 30 Year Fixed

• Property eligibility and income limits apply

• Minimum FICO score 640

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 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

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 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

Xavier RamirezVice President of Mortgage LendingP: 424.210.7653F: 73.357.4770xavier.ramirez@guaranteedrate.comwww.guaranteedrate.com/xavierramirezNMLS ID:175409 CA - CA-DOC175409 - 413 0699, CO 100043370 - Licensed

Contact

NMLS (Nationwide Mortgage Licensing System) ID 2611 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 # 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 – Illinois Department of Financial & Professional Regulation, 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 #FR0018846 & SR0018847 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 & 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

12121 Wilshire Blvd Ste 350Los Angeles, CA 90025