2. Victor Ciardelli
President & CEO
Our focus is on
doubling your
purchase business.
At Guaranteed Rate, our goal is
to offer a platform to double a
originator’s purchase business.
This platform consists of very
competitive pricing, an efficient
process, state-of-the-art
technology, online and offline
marketing, and sales coaching
support for our originators.
Our unique business model
takes administrative tasks off
producers’ plates, freeing them
to do what they do best: close
more mortgage loans.
I founded Guaranteed Rate in
2000 with the idea of building
a different kind of mortgage
company: one that brings
transparency and simplicity
to the mortgage process,
both for homebuyers and our
employees. In the years since,
we’ve grown to become one
of the 10 largest home loan
companies in the nation,
funding nearly $80 billion in
loans since our inception and
$12.4 billion in 2014 alone.
We’re licensed in all 50 states,
and we have nearly 2,500
employees at approximately
175 offices from coast to coast.
Our streamlined approach
has attracted some of the top
originators in the country, and
we have more members of
the “Top Originators” lists in
Scotsman Guide and Mortgage
Executive Magazine than
any other bank or mortgage
company three years in a row.
And it doesn’t stop there. We
were ranked #1 for retail volume
on Scotsman Guide’s 2014
“Top Mortgage Lenders” list. We
were also named the #4 private
company job creator and #1
real estate industry job creator
in the U.S. by Inc. magazine in
2013. And we’ve been named
to the Chicago Tribune’s “Top
Workplaces” list four of the
past five years. Clearly, we’ve
shown that can transform an
industry while providing a great
environment for employees to
build successful careers.
At Guaranteed Rate, we’re
focused on supporting our
originators to help them double
their purchase business.
We have a program that’s
statistically proven to grow a
originator’s purchase business
by more than 100% over a
period of 12 months. It’s built
on proprietary technology
and includes a step-by-step,
detailed plan that enables them
to spend more time building
their purchase business with
both current and new borrowers
and referral partners while
reducing the time spent on
administrative, non-sales tasks.
I encourage you to read on and
learn more about our platform
and the outstanding career and
personal benefits of joining the
Guaranteed Rate team. Thank
you for your interest in us.
Sincerely,
3. Put the customer first
At Guaranteed Rate, a satisfied
customer is one who would refer
us to friends and family. We
strive to win the trust and the
business of our customer to
make them clients for life.
Work with the best of the best
We built our company by
focusing on the best of the best.
High-performing individuals and
organizations have a multiplying
effect on results and so we are
selective about whom we work
with. We work hard to support
and improve the relationships
we have with our employees and
referral partners.
Demand excellence
We have a high standard for
the quality of our work. When
we do our jobs well, our referral
partners are happy and our
customers keep coming back.
We pride ourselves on excellent
work, and it shows in our
year-over-year growth.
Hold self and others accountable
We hold ourselves and others
accountable for high-quality
work and meeting commitments
made. We admit our mistakes,
seek transparency and embrace
constructive feedback, which
allows us to learn from our
mistakes and improve in the
future.
Ownership
We work as though we own the
company, and we focus on the
whole. We have a commitment to
sustainability and growth.
Frugality
We spend on what matters to
our customers, and we limit
the rest. Low rates can only be
accomplished through being
financially disciplined. Frugality
is a constraint that forces us to
be inventive and have a culture
of self-sufficiency.
Bias to action
Quick delivery is important for
our customers and our bottom
line. We move fast in order
to limit risk. We make tough
decisions and strive to create
an environment that fosters a
strong bias to action.
Healthy, balanced and fun
Delivering results is best
achieved by energetic and
healthy individuals who
love their jobs, have good
relationships with co-workers
and live balanced lives. We
also believe that part of being a
healthy and balanced individual
is giving back and making a
difference outside the company
through charity.
Think big and solve problems
We are bold in our ideas and we
challenge the status quo. When
confronted with a problem, we
turn lemons into lemonade,
finding solutions with a
proactive mentality.
Deliver results
We overcome obstacles, solve
problems and produce results
for the business. We don’t spend
time thinking about the past.
Rather, we own them and find
ways to deliver better outcomes
in the future.
Guaranteed Rate Core Values
At Guaranteed Rate we strive for the industry leading value proposition
for our originators, our referral sources and our customers.
4. Industry-Best
Technology
We continually develop cutting-edge technology to create
greater efficiencies throughout each step of the process,
which equates to more closed loans for our originators.
5. Digitally Sign 1003 and Disclosures
Free Tri-Merge Credit Scores
Easy Document UploadsInstant AUS Approvals
• Fill out their own application
• Choose a loan program
• Receive free tri-merge credit scores
• Receive a real loan approval* with our
automated underwriting engine
• Receive a custom to do list
• Securely upload their needed documents
• Digitally sign their loan disclosures
The World’s First Digital Mortgage
Our Digital Mortgage is designed to save you, and your borrowers, time and money. For our originators,
it means a more streamlined process, faster closings, well informed borrowers and top-notch customer
service. Guaranteed Rate’s Digital Mortgage puts your borrowers in control of their mortgage from
application to digital document upload. Our Digital Mortgage will free you up to work more open houses
and visit more referral partners.
Work smarter with and let your borrowers:
*Borrower subject to credit and underwriting approval. Not all borrowers will be approved for financing. Receipt of
borrower’s 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.
6. LoanMine is our proprietary customer
relationship management (CRM) system,
designed to provide our originators with
the tools and data they need to track,
prioritize and status active leads, as well as
search their individual database of closed
loans for new ones.
LoanMine
Our exclusive, free website, Partner Xchange,
px.guaranteedrate.com, is designed to help
agents double their business and dominate their
market with help in four key areas: Marketing,
Business Development, Building a Team and
Using Smart Technology.
Partner Xchange
Our automated loan status emails are
triggered at key loan milestones, providing
clients with regular information about their
loans in process. Our originators don’t even
have to think about hitting send!
Loan Status Emails
Our innovative Dashboard allows our loan
officers to view their pipeline at a glance. It
provides an overview of goals, business stats,
loan milestone updates and much more, all
in real time.
Dashboard
Advanced Technology
Guaranteed Rate is committed to growing our originators’ business by developing the most advanced
technologies. We give them the resources and support they need to leverage their business with ease.
By continually enhancing tools and technology, our originators, borrowers and networking partners
alike realize numerous benefits.
7. Products
& Pricing
We sell directly to Fannie Mae, Freddie Mac and Ginnie Mae,
which provides minimal overlays and our originators
are armed with the most competitive pricing on conforming
products in the mortgage industry.
8. Access Exclusive Programs
Our originators can always find a program to satisfy the unique needs of clients and referral sources
at great rates. Originators are free to use our in-house underwriting and all correspondent lenders for
conventional, jumbo or government programs. For unique products and situations they have the option
of using one of our many portfolio lenders. In addition to the many banks we do business with, we also
sell directly to Fannie Mae, Freddie Mac and Ginnie Mae.
Unmatched Pricing
By selling directly to Fannie Mae, Freddie Mac and Ginnie Mae, we are able to offer the most aggressive
pricing on conforming products in the industry with minimal overlays. Our business model enables us to
operate at a lower cost, and this allows us to pass the savings onto borrowers. Our efficiency drives low
rates and fees, and investor competition drives better pricing. Our flexible compensation model allows you
to price to your needs.
• Office & industrial $1,000,000
& up to 75% LTV
• Investment-owned single-tenant
investment properties $100,000
& up to 75% LTV
FHA
• Ginnie Mae Direct lender
• FHA Streamline non-credit qualifying
options
• 11 correspondent lenders
• FHA High Balance available
• In-house condo approvals
• No minimum trade line requirements
VA & USDA
• 7 correspondent lenders
• IRRRLs
• VA Jumbo
Second Mortgages
• 80/10/10
• Fixed & HELOC
State Bond
• 16 programs available
Jumbo Options
• 20+ correspondent lenders
• 20+ wholesale lenders
• Non-warrantable condo options
• 90% LTV with no monthly MI
on SFR/condo to $850,000 as
5/1 or 7/1 LIBOR ARM
• 85% LTV with no monthly MI
on SFR/condo 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
• Foreign national programs
• 50% DTI
• ARM interest only
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
Conforming Options
• 10 correspondent lenders
• 97% financing with PMI SFR
& condos (first time buyers)
• Specialty LPMI pricing exclusive to
Guaranteed Rate
• Direct lender with Fannie/Freddie,
fixed & ARMs
• Guaranteed Rate warrants all condos
& co-ops through internal condo
department
• Condo 51% CPM approval/PERS
• 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
* Current as of 6/25/2015
** Commercial loans not available
in AZ, CA, NJ, NY, NC and VT
9. Ben Cohen
Chicago, IL
YTD loan volume (July): $150M
2014 loan volume: $153.8M
2013 loan volume: $144.2M
1 year prior to Guaranteed Rate: $40M
2014 Scotsman Guide rank: 16
I have increased my volume every year
since joining Guaranteed Rate. A lot
of that is due to products, technology
and marketing, which has allowed me
to focus on new business instead of
sitting in the office processing loans.”
10. Process
& Support
As a sales-driven organization, we allow our originators to focus
on growing their purchase business, while the rest of the team ensures
a seamless process for the borrower. Our time-tested process works.
11. Sales-Driven Workflow
Guaranteed Rate’s loan process, called the POD Flow, is the backbone for getting loans closed quickly.
This unique and proprietary business model elevates the level of the originator to a manager/CEO of
their team. This allows a vice president of mortgage lending (VP) to maximize the highest and best use
of their time to growing his or her business. We provide our originators with talented and highly trained
operations professionals coupled with a transparent loan process. When loan files have been delegated
to their processing team, the originator audits the file through our online systems, updated in real time.
BENEFITS
• Highly efficient processes and
advanced technology let
originators focus on selling
• Mortgage consultant (MC) and
loan coordinator (LC) follow
POD guidelines and originator
(VP) delegated expectations
• Online auditing tools allow
originators to monitor loan
progress at every step
KEYS TO SUCCESS
• Know guidelines,
qualify borrowers
• Select a lender, lock loan
• Set borrower expectations,
introduce the team
• Delegate tasks to POD
team and audit for success
BUILD RELATIONSHIPS
• Ensure client’s
complete satisfaction
• Ask for referrals, solidify
relationship
• Ongoing communication
with past borrowers and
referral sources
PROCESSING UNDERWRITING APPROVAL
VP VPMC UW LC
ORIGINATION CLOSING
VP DELEGATES AND AUDITS PROCESS
USING ONLINE TOOLS
12. The POD processing model
is very different. I’m now able
to focus on taking new business
and even have time to have lunch
and build relationships with my
referral partners. I’ve significantly
increased my business since
joining Guaranteed Rate, and
I’m much happier.”
Allyson Kreycik
Wakefield, MA
YTD loan volume (July): $85M
2014 loan volume: $91.4M
2014 Scotsman Guide rank: 80
13. Marketing Tools
Originators at Guaranteed Rate have a variety of marketing tools readily available. From automated,
database-driven marketing campaigns to co-branded realtor partner materials and even custom-
made collateral, there are numerous ways for originators to build their business and reinforce existing
relationships.
When transitioning to Guaranteed Rate, we
understand it’s crucial to originators’ business
to get up and running fast. Business cards,
moving announcements and a personal website
are just a sampling of what is implemented
right away.
On Boarding/Start-Up
Originators submit their databases, sign up
for campaigns and watch their leads roll in.
Our automated campaigns allow them to
market to past clients and referral partners
as often as they choose.
Automated Campaigns
Dedicated regional marketing managers work
with our originators on their custom requests to
help take their business to the next level. Our
team of in-house marketing professionals help
to formulate and create effective marketing
materials, and they do it fast.
In-House Agency
We’re excited to feature Ty Pennington
throughout all of our marketing and advertising.
He’s starring in our national television
commercials and making guest appearances
at various partner referral events. Ty is featured
within our corporate collateral and has a regular
spread in Enjoy magazine, available exclusively
on the Partner Xchange. Ty is helping us build
our national brand.
National Spokesperson
Ty Pennington
TV Host
14. We help our originators sell into regional and
national companies with a discounted fee loan
program that’s backed up by central account
management; company-specific, customized
online loan application pages; and dedicated
operations and loan processing teams.
Corporate Benefits and Relocation Programs
We offer our originators comprehensive
solutions to help their builder partners close
more loans faster. Extended rate lock programs,
condo warranty assistance, online application
and in-office kiosks, local appraisers and digital
and offline co-marketing are just some of the
features of our builder program.
Builder Program
Originators develop and strengthen their
relationships with the help our cobranded
marketing solutions. We have a vast library
of materials available to fit individual needs.
Custom requests are always welcome.
Referral Partner Marketing
Our knowledgeable social media team helps
originators get set up to use social media
in smart, compliant ways that drive more
business. Originators and referral partners
have access to daily tips and ongoing webinars
on how to best utilize the wide spectrum of
social media outlets.
Social Media
Events are a terrific way to build referral
business. Partnering with the events team will
ensure unique ideas, stress-free planning,
exceptional marketing and promo materials,
and great results!
National Events
15. Sales Coaching
At Guaranteed Rate, we create a culture of self-improvement that is unparalleled in the industry. That’s why
we developed The “Best of the Best” Sales Coaching webinars. Each biweekly Q&A interview features top
performing orginators who share how they are currently driving business in their local markets. After each
call, takeaway items from the featured originators are shared and each 60 minute session is recorded and
made available to review at any time.
1
2
3
4
Marketing
Events
Follow up and building relationships
Building your database
All calls are centered around our four step process to double purchase business:
16. John Noldan
Chicago, IL
YTD loan volume (July): $95M
2014 loan volume: $87M
2014 Scotsman Guide rank: 88
Our sales coaching series gives me
tips from some of the best originators
in the business and proven best
practices that I can put to use
immediately. It’s like getting a shot
in the arm for my business every
two weeks. It is invaluable to me.
My purchase business has more than
doubled since joining, and it’s now
85% of my overall business.”
17. Proven
Results
There’s a reason why more top originators work at Guaranteed
Rate than at any other bank or mortgage company. We have
the ideal combination of product, pricing and process, allowing
our originators to grow their purchase business.
18. Adam Slack
Wilmington, NC
YTD loan volume (July): $39.4M
2014 loan volume: $42.8M
2013 loan volume: $16.2M
“Guaranteed Rate provides
multiple systems of time-saving
technology, allowing me to
focus on new business. In fact,
my 2014 purchase volume grew
138% from 2013”
Eric Bryce
Philadelphia, PA
YTD loan volume (July): $38.4M
2014 loan volume: $44.9M
2013 loan volume: $6.9M
“Our competitive pricing,
cutting-edge technology and
highly effective tools have
helped grow my business
from $0 to $44 million in less
than two years.”
Amber Arwine
Chicago, IL
YTD loan volume (July): $46.1M
2014 loan volume: $30.3M
2013 loan volume: $18.2M
“Guaranteed Rate arms you
with training, tools and
support you need to thrive.
In just two years, I’ve gone
from $0 to $30 million in loan
volume and my purchase
volume increased 154% from
2013 to 2014.”
Danielle Young
Midvale, UT
YTD loan volume (July): $31.6M
2014 loan volume: $51M
2013 loan volume: $40.2M
2014 Scotsman Guide rank: 298
“We are provided with leading
technology, including a web portal
for referral partners, real-time loan
status access for clients and our
online application even allows the
borrower to receive a free credit
report with instant approval.”
Success Stories
We provide originators at all volume levels to grow their business exponentially, with ultimate originator
support. Here’s just a sampling of individuals who have significantly increased their production in a short
period of time by taking advantage of the tools and technology Guaranteed Rate has to offer.
19. Shant Banosian
Waltham, MA
YTD loan volume (July): $200M
2014 loan volume: $178.9M
2014 Scotsman Guide rank: 10
All of my clients use our Digital Mortgage
and it’s been a total game-changer.
By the first conversation, I’ve already
reviewed credit, income and assets.
What used to be a one-hour call now
takes 20 minutes. I’m able to talk
to twice as many clients during
the week and generate way more
revenue.”
20. President’s Club
We reward our top originators for achieving high-level production each year with an all-inclusive,
all-expense paid trip to a five-star resort. Previous destinations have included: Playa Del Carmen,
Punta Cana and Cancun.
$200,000,000+ 1 originator hit this
milestone in 2014
$100,000,000+ 6 originators hit this
milestone in 2014
$50,000,000+ 27 originators hit this
milestone in 2014
170 originators qualified
in 2014
Playa del Carmen, May 2015
2014 President’s Club
21. Sam Sharp
Chicago, IL
YTD loan volume (July): $107.2M
2014 loan volume: $107.3M
2014 Scotsman Guide rank: 48
It’s the structure, technology and
marketing tools that have taken my
business to the next level. Our online
application allows me to preapprove
my clients anytime, anywhere.
I’m now able to spend more time
bringing in business versus taking an
application or ordering an appraisal.”
22. Seamless
Transition
At Guaranteed Rate, we have dedicated onboarding teams
to help with pipeline management, business development,
marketing and training to get originators up and running fast.
23. Originator Transition
We strive to make our originators’ transition as seamless as possible.
New originators’ licensing transition starts immediately, and they are
introduced to their support teams. We supply IT needs and set up
pipeline meetings right away.
On day one, originators receive a start-up kit, and their designated
regional marketing manager will help with database management,
review of marketing collateral and act as a single point of contact
for all marketing needs.
We help our originators get their first events scheduled and get
moving with social media. We ensure they are trained quickly on our
online tools to help grow their referral business. Our sales coaching
series, hosted by our CEO, features top originators who offer their
personal insights on how to help double purchase business.
Our dedicated training team provides immediate education to learn
our systems, programs and processes inside and out. They also
provide additional refresher courses to keep originators sharp.
Process
Startup
Development
Method
24. Larry Steinway
Chicago, IL
YTD loan volume (July): $28.5M
After more than 20 years in the
business I can finally say I’ve found my
home. Guaranteed Rate has provided
the infrastructure and support to
transition my business quickly, and
the incredible tools and resources
allowed me to reach out to my contacts
immediately. As a result, I’ve funded
nearly $30 million in my first 6 months,
and I’m just getting started!”
25. Mortgage Company Owner Transition
We are here to help former owners improve their business and their lives.
Our combination of industry-best pricing, products, process, support
and technology enable former owners and their staff to focus on
selling. By tapping into the best practices built to support the nation’s
top originators, their business will benefit instantly.
Joining Guaranteed Rate will allow former owners to free up personal
assets that may presently be securitizing business warehouse lines
and/or pledged toward meeting regulatory and contractual net worth
requirements.
Our legal, compliance and licensing departments will ensure that
originators will be executing within all state and federal regulatory
requirements. We are experienced in onboarding companies ranging in
size from five to more than 100 originators, and we work with multiple
state agencies simultaneously to ensure a quick and smooth licensing
transition.
Turn over the time-consuming administrative tasks to us. We will handle
payroll, accounting, human resources, marketing and other owner
responsibilities, so the focus can be kept on growing business.
Grow Production
Reduce Risk
Turn Regulation, Compliance
and Licensing Over to Us
Eliminate Administrative Tasks
26. As a former owner, I knew the
changing regulatory environment
was going to limit my ability to
grow. Now I’m able to focus on
the things that I love: business
development, recruiting and most
importantly, growing the business
of my top originators and my own
personal production, while leaving
compliance, payroll and tedious
administrative duties to someone
else. Another top selling point
is Guaranteed Rate’s innovative
technology, which is a game
changer for leaders in the industry
who want to grow their business.”
Julia Borst
Former Owner of MetroPointe Mortgage
Midvale, UT
Company Volume and Units the Last Full Year
with MetroPointe Mortgage: $66.4M, 289 units
2013 Regional Loan Volume and Units
with Guaranteed Rate: $286.1M, 1218 units
2014 Regional Loan Volume and Units
with Guaranteed Rate: $321.5M, 1334 units
27. Company Accolades
Guaranteed Rate is an industry leader, stacking up numerous awards and accolades year after year.
The Chicago Tribune has named
Guaranteed Rate to its “Top Workplac-
es” list four out of the last five years.
Guaranteed Rate has more originators
ranked on the Mortgage Executive and
Scotsman Guide “Top Originators” lists
than any other bank or mortgage com-
pany for three years running.
Guaranteed Rate President and CEO
Victor Ciardelli was named Mortgage
Executive Magazine “CEO of the Year”
in 2012 and 2013.
Best Corporate
Digital Innovation
2nd Annual Moxie Awards
Committed to technology, Guaranteed
Rate received the Built in Chicago Moxie
Award in 2013 for its cutting-edge on-
line loan application.
Inc. magazine named Guaranteed Rate
the #4 private company job creator
in the U.S. and #1 job creator in the
real estate category in their 2013 Hire
Power Awards.
Guaranteed Rate ranked #1 in retail
volume on the 2014 “Top Mortgage
Lenders” list in the June 2015 issue
of Scotsman Guide. It is the second
consecutive year that Guaranteed Rate
has received this ranking.
Guaranteed Rate funded $12.4 billion in
loans in 2014. The company is now one
of the 10 largest home loan companies
in the nation.
$12.4 BILLION
in funded loans in 2014
28. There are many reasons why top originators and company owners throughout the country join
Guaranteed Rate. Whether referral based, lead based or a little of both, we have the platform to enable
officers to substantially grow purchase production. We provide our originators with industry-best
product, pricing, process, support and technology to enable them to focus on selling.
At Guaranteed Rate, we support our originators to help them double their purchase business.
Join Guaranteed Rate
Interested in learning more? Visit joingrnow.com.
29. Guaranteed Rate is an Equal Opportunity Employer
3940 N. Ravenswood Chicago IL 60613 • guaranteedrate.com
joingrnow.com
08_2015
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 # BK-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 - 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 #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 MC2611 • 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 # 12-1744-A • 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 #MB0804160.000 & 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 #-MLS - 2611 • SD - Lic# ML.04997 • TN - Lic #109179 • TX - Lic # 50426 & Lic # 47207 •
UT - Lic #7495184 • VT - Lic #2611-1 & 0930 MB • 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
