Building Wealth Presentation

Guaranteed Rate Overview
Copyright © 2000-2014 Guaranteed Rate. All rights reserved.
Presented By: Mary Kay Laurent, Vice President of Mortgage Lending

About Guaranteed Rate
2 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

One of the 10 Largest Retail
Mortgage Lenders in the US
• Founded in 2000 by President and CEO Victor Ciardelli
• Licensed in all 50 states and Washington D.C.
• Approximately 170 offices nationwide
• $12.4 billion in 2014 closed loan volume

Industry Leading Customer Service

Ty Pennington – Our Spokesperson
• TV host
• Featured on guaranteedrate.com
and in our national advertising
campaign
• National TV commercials
• Scheduled to appear at various
events nationwide

Our Competitive Advantage
• Fast and transparent mortgage process
• In-house underwriting and closing
• 24-48 hour underwriting turn times
• Full product offering with top lending institutions
• FHA loans and in-house FHA underwriting
• FHA/FNMA in-house condo approvals
• Full renovation loan department
• VA & USDA loans
• Jumbo financing experts
• Online application – fast, free and easy
• Exclusive Lock ‘n’ Roll program

Loan Options

Conforming Options
• 10 Correspondent Lenders available
• 97% financing available with PMI & condos (first time buyers)
• Specialty LPMI pricing exclusive to Guaranteed Rate
• Direct Lender with Fannie/Freddie, Fixed & ARM options
• Guaranteed Rate Warrants all condos & co-ops through internal condo and
co-op departments
• Condo 51% CPM Approval / PERS Available
• Purchases on properties owned <90 days with unlimited increase in sales
price with Fannie /Freddie
• DU Refi Plus and Freddie Open Access Programs
• Fannie Mae Homestyle Renovation Program
• Guaranteed Rate Opportunity Plus Program
• Guaranteed Rate Lock ‘n’ Roll Program

FHA
• Ginnie Mae Direct lender
• FHA streamline non-credit qualifying options
• 11 Correspondent lenders available
• FHA High Balance available
• In house condo approvals
• No minimum trade line requirements
• 203k Full and Streamline options
• FICO score down to 600

VA & USDA
• 8 Correspondent lenders available
• 100% Financing
• IRRRLs non-credit qualifying options
• VA Jumbo
• Minimum FICO score 640
Second Mortgages
• 80/10/10
• Fixed & HELOC available
State Bond
• 17 programs available

Jumbo Options
• 20+ correspondent lenders available
• 20+ wholesale lenders available
• Non-warrantable condominium options available
• 90% LTV with no monthly MI on SFR/condominium to $850,000 as 5/1
or 7/1 LIBOR ARM
• 85% LTV with no monthly MI to 1,500,000 as 30 year fixed
• 80% LTV to $2,500,000
• 70% LTV to $3,000,000
• In-house delegation to $3,000,000
• 50% DTI
• Foreign national programs
• ARM interest only available

Commercial Loans
• Simple Process/all data collection, underwriting and processing
done by investors
• Multi-Family (Apartments) $250,000 & up to 80% LTV
• Owner occupied commercial properties to $9,000,000 up to 90% LTV
• Office & Industrial $1,000,000 & up to 75% LTV
• Investment Owned Single Tenant Investment Properties $100,000 &
up to 75% LTV
*Commercial loans not available in AZ, CA, NJ, NY, NC & VT.

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.

Online Application

Real Time Pre-Approvals in the Comfort of Your
Home in 15 Minutes
Our easy, intuitive online application allows you to choose the
rate you want, and get pre-approved instantly.*
1. Choose a loan and rate
2. Free credit report
3. Instant approval
4. Print a pre-approval letter
5. Save $150 at closing
*Borrower subject to credit and underwriting approval.
Not all borrowers will be approved for financing.

Instant Pre-Approval
Letter for You
With instant pre-approval, you’ll
have the advantage over other buyers

24/7 Loan Status
Automated email notifications for each step of the process.

Building Wealth through Home
Ownership

Building Wealth through Home Ownership
Is It Better to Rent or Buy?
• Current appreciation is 6% over the next year
• The magic of leverage, take 4% appreciation
• Purchase a $300,000 home
• 10% Down Payment = $30,000
• With the current 6% appreciation over 4 years
– Make 140% return on $30,000 initial investment
http://www.nytimes.com/interactive/2014/upshot/buy-rent-
calculator.html?_r=0

Added Benefits

Free Informative e-books
These jargon-free downloadable e-books are full of great
information and available for instant download on my website!

Contact me for all your
home financing needs
Mary Kay Laurent
Vice President of Mortgage Lending
P: 773.516.6859
C: 312.403.4150
MaryKay.Laurent@guaranteedrate.com
www.guaranteedrate.com/MaryKayLaurent
NMLS ID:870598 State License Numbers: CA - CA-DOC870598 - 4130699, IL -
031.0032236 - MB.0005932, WA - MLO-870598 - CL-2611
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

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