DOUBLE YOUR BUSINESS
WITH GUARANTEED RATE
Victor Ciardelli
President & CEO
We have the platform to
double your business.
At Guaranteed Rate, we
built our business to serve
our customers and our
originators. Our competitive pricing, efficient process,
always-evolving technology,
marketing support and sales
coaching set us apart. With
our unique business model,
we’re able to take administrative tasks off of our originators’ plates and deliver results
for our customers. It’s a winwin when your customers are
happy and your originators get
to do what they do best – get
out there and sell more loans.
We founded Guaranteed Rate
to create a different kind of
mortgage company – one that
puts the customer first and
rewards our employees for
doing so. We’ve grown to
become a Top 10 lender in
the U.S. because we brought
transparency and simplicity
to the mortgage process.
As a result, we’ve funded
$80 billion since our inception
(with $18 billion in 2015 alone)
and earned a 95% customer
satisfaction rating.
Our model is designed to
make the best of the best
better. For four years running,
our rock star originators have
scored more “Top Originator” rankings by Scotsman
Guide and Mortgage Executive
Magazine than any other bank
or mortgage company. But we
couldn’t deliver these results
if we didn’t enjoy doing it. Our
collaborative, fun work environment makes it all possible.
At Guaranteed Rate, we care
about our employees and the
people in the communities we
serve. In 2012, we established
the Guaranteed Rate Foundation with one simple objective:
Impact the lives of employees,
their families and their communities in times of need in a
meaningful and positive way.
To date, we’ve helped over 800
people with aid for acute medical needs, disaster relief and
scholarship assistance.
We encourage you to read on
and learn more from Guaranteed Rate originators about the
outstanding career and personal benefits we offer. We can
help you have fun, give back
and close more loans. Period.
Thank you for your interest
in joining us,
Guaranteed Rate Core Values
Here at Guaranteed Rate we strive for the industry leading value proposition
for our loan officers, our referral sources and our customers.
Put the Customer First
At Guaranteed Rate a satisfied
customer is one who would refer
us to friends and family. We win
the trust and the business of our
customers through a genuine
desire to serve them.
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 who we work
with. We work hard to support
and improve the relationships
we have with our employees
and partners.
Demand Excellence
We have a high standard for the
quality of our work. When we
do our jobs well this business
is easy; our loan officers are
thrilled, our referral partners
are happy, and our customers
keep coming back. We pride
ourselves on excellent work!
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 conflict and
criticism in order to learn
and grow.
Ownership
We work as though we own the
company and we focus on the
whole. We don’t say, “that’s not
my job”. We have a commitment
to sustainability and growth.
We run this business as if it is a
marathon, not a sprint, never
sacrificing long-term health for
short-term gains.
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 and we limit
risk. We make tough decisions
without agonizing over them.
We don’t give in to “analysis
paralysis”. We strive to create
an environment that fosters a
strong bias to action. We work
to reduce bureaucracy, formality
and fear of failure.
Healthy, Balanced and Fun
Delivering results is best
achieved by energetic & healthy
individuals who love their jobs,
have good relationships with
co-workers and have balanced
lives. We also believe that part
of being a healthy and balanced
individual is giving back and
making a difference for others
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.
When others are pessimistic and
don’t see a way forward we find
a way to crush roadblocks.
Deliver Results
We overcome obstacles, solve
problems and produce results
for the business. We don’t spend
time thinking about the past,
lack of resources, external issues
or other reasons why we can’t
deliver. If those problems exist,
we own them and find ways to
grind it out and deliver.
Process
& support
As a sales-driven organization, we allow our originators to act as CEOs,
focusing on growing their purchase business, while the rest of the team
ensures a seamless process for the borrower. Our time-tested process works.
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 real-time,
online systems.
VP DELEGATES AND AUDITS PROCESS
USING ONLINE TOOLS
VP
MC
UW
LC
VP
ORIGINATION
PROCESSING
UNDERWRITING
APPROVAL
CLOSING
BENEFITS
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
• Highly efficient processes and
advanced technology let
originators focus on selling
BUILD RELATIONSHIPS
• Mortgage consultant (MC) and
loan coordinator (LC) follow
POD guidelines and originator
(VP) delegated expectations
• Ensure client’s
complete satisfaction
• Online auditing tools allow
originators to monitor loan
progress at every step
• Ongoing communication
with past borrowers and
referral sources
• Ask for referrals, solidify
relationship
“
Our proprietary processing
system, the POD model, has
really increased my efficiency.
As a high-volume loan officer
and also as a mom, I need
everything to be efficient. If I’m
constantly chasing down loans,
it’s a waste of my time.”
Allyson Kreycik
Wakefield, MA
NMLS ID # 484108
2015 loan volume: $134.8M
2014 loan volume: $91.4M
2015 Scotsman Guide rank: 72
We handle industry changes so our originators
don’t miss a beat
We stay a step ahead of industry changes by providing necessary support and training for
our originators.
• Our innovative digital technology allows us to implement significant regulatory changes
with relative ease and no negative impact to our service or speed (for example, when TRID
was implemented in October 2015, our originators still funded 4,455 units nationally,
compared 4,528 units in the previous month).
• Our POD model and our Digital MortgageSM are built to free up our originators’ time to focus
on sales – not backend paperwork.
• Our Training Department supplies webinars and live training sessions to keep our loan originators
educated and informed of regulation and industry changes.
Check out our vast library of educational materials where our originators can find Reference
Guides, OnDemand Training and related Policies & Procedures on various subjects.
Resource Center
On Demand Training and Reference Material Catalog
Resource Center
On Demand Training &
Reference Material
This Catalog house comprehensive collections of training materials on the subjects show below. Within each page you’ll find Reference Guides, On Demand Training, and related Policies & Procedures.
APPRAISAL
ASSETS
ASSISTANCE PROGRAMS
ATR/QM
AUS
BORROWER CORRESPONDENCE
BROKER
CLOSING DISCLOSURE
CLOSING SUBMISSIONS
COMPLIANCE
CONDO
CO-OP
CREDIT
DATAVERIFY
DIGITAL MORTGAGE
DOCUSIGN
ENCOMPASS
GOVERNMENT LOANS
INCOME
INSURANCE-HAZARD/FLOOD
LOAN ESTIMATE & GFE
MANAGEMENT TOOLS
MORTGAGE INSURANCE
NATIONAL MC/LC CALLS
NEW EMPLOYEE CONNECTION
OUTSIDE UNDERWRITING
PAPERLESS
POD FLOW CHECKLISTS
PURCHASE TRANSACTIONS
REB. B/ECOA
ROLES AND RESPONSIBILITIES
SALES TOOLS
SECONDARY
SUBORDINATIONS
THIRD PARTY ORDERS
TRAINING MATERIALS
TRANSFERSAFE
TRID
UNDERWRITING DEPARTMENT
UNDERWRITING SUBMISSIONS
Policy & Procedure Index
Underwriting Questions &
Answers
Company & Secondary
Announcements
Daily Fix Archive
GR Intranet
Mortgage Terminology
Site Contents
“
GR helped to prepare us for TRID
with online resources and even a
new department to make sure we’re
compliant and closing on time. As a
result, TRID has had zero impact on my
turn time for closed loans. I just closed
a Jumbo loan in ten business days.”
Ben Cohen
Chicago, IL
NMLS ID #217528
2015 loan volume: $256.3M
2014 loan volume: $153.8M
2015 Scotsman Guide rank: 9
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 custommade collateral, there are numerous ways for originators to build their business and reinforce existing
relationships.
Onboarding/start-up
Automated campaigns
When transitioning to Guaranteed Rate,
we understand it’s crucial to an originator’s
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.
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.
In-house agency
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.
National spokesperson
TY PENNINGTON
TV HOST
We’re excited to feature Ty Pennington
throughout our national marketing and
advertising. Ty stars in our television
commercials, is featured within our corporate
marketing collateral and can been seen in
Enjoy magazine, available exclusively
on GatelessSM.
Referral partner marketing
Builder program
Originators develop and strengthen their
relationships with the help of our co-branded
marketing solutions. We have a vast library
of materials available to fit individual needs.
Custom requests are welcome.
We offer our originators comprehensive
solutions to help their builder partners
close more loans faster. Extended rate
lock programs, condo warranty assistance,
Digital MortgageSM, local appraisers and
digital and offline co-marketing are just some
of the features of our builder program.
Social media
Our knowledgeable social media team helps
originators get set up to use social media
in smart, compliant ways that drive more
business. Also, originators have the option to
sign up for GRSocial which promotes visibility
with friends and clients through social media.
Events
Events are a terrific way to build referral
business. Partnering with the events team
will ensure unique ideas, stress-free planning,
exceptional marketing, promo materials and
great results!
Corporate benefits and relocation programs
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.
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 originators 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.
All calls are centered around our four step process to double purchase business.
1
Building your database
Get tips on how to identify your market and grow your referral source base.
2
Marketing
Learn how our top producers create buzz about themselves and Guaranteed Rate through monthly
postcard drips, email campaigns and much more.
3
Events
Our top producers share how to utilize events and networking to play a key role in growing your business.
4
Follow up and building relationships
Listen to invaluable advice on following up and growing connections with your contacts.
“
Did you ever wish you could just sit
down with a $100M+ producer and
pick their brain? It’s essentially like
having an hour long coffee meeting
with Joe Caltabiano who has been
doing over $200M in the Chicago
market for years. Now imagine having
that every other week. You want to be
the best? Learn from the best.”
Mark Mayfield
Chesterfield, MO
NMLS ID # 292254
2015 loan volume: $54.4M
2014 loan volume: $31.8M
Industry-best
technology
We continually develop cutting-edge technology to make each step of the
process more efficient, which frees up our originators’ time to close more
loans and run their business like real CEOs.
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 that the borrowers do the front-end work, creating a more streamlined process, faster closings
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.
Easy Document Uploads
Instant AUS Approvals
Free Tri-Merge Credit Scores
Digitally Sign 1003 and Disclosures
Work smarter and let your borrowers:
•
Fill out their own application
• Choose a loan program
• Receive free tri-merge credit scores1
• Receive a real loan approval with our
automated underwriting engine2
Securely upload their documents
• Digitally sign their loan disclosures
•
1
If Applicant self-reports credit score as “needs improvement,” Guaranteed Rate will not run credit or provide free
credit scores via the Digital Mortgage. Applicant may request credit scores by contacting Guaranteed Rate.
2
“Real Approval” means an automated underwriting system approval based upon credit information supplied by
applicant and subject to Guaranteed Rate’s review of loan documents. Applicant subject to credit and underwriting
approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for
financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates.
“
The Digital Mortgage allows me to not
waste my time doing a data entry job.
I can focus on what’s important: answering
questions, structuring the loan and most
importantly, getting out there and selling.”
Brian Decker
Temecula, CA
NMLS ID # 319790
2015 loan volume: $138.9M
2014 loan volume: $91.4M
2015 Scotsman Guide rank: 64
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.
gatelessSM
Dashboard
Our exclusive, no cost website, GatelessSM
(gateless.com) delivers the best ideas, proven
techniques and insightful content to help agents
double their business and dominate their market.
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.
While other lenders ask agents for buyers,
GatelessSM gives agents the knowledge, the tools
and the systems to generate more buyers, more
sellers and a more profitable business.
• Live loan status updates let them know
what’s happening with their clients’
mortgages
•
A strong web presence with plenty of
shareable content that positions them as
a real estate expert within their sphere
of influence
• Access to today’s most successful agents
who share the secret to producing
$100 million in annual sales
Loan Status Emails
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!
LoanMine
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.
Mobile App
Personal Webpages
We’re further revolutionizing the industry with
our new mobile app. It’s the ultimate tech business
card that allows our originators to effortlessly
share their contact information and pricing with
agents, grow their referral network and attract
more buyers!
Our originators’ personal webpages have
been re-designed for search engine
optimization. Not only do they have full
mobile responsiveness and faster loading
times, but they are also readable by Google
for superior search results.
“
At Guaranteed Rate, I have been given all of the tools to
grow my business. Our cutting edge technology allows
me to originate more volume while providing great
customer service.”
Danielle Young
Midvale, UT
NMLS ID # 265241
2015 loan volume: $59M
2014 loan volume: $51M
2013 loan volume: $40.2M
“
Guaranteed Rate provides multiple systems of
time-saving technology, allowing me to focus on
new business. In fact, my 2015 purchase volume
grew 212% from 2013.”
Adam Slack
Wilmington, NC
NMLS ID# 203603
Total volume
Purchase volume
2013 $40.7M
$12.7M
2014 $42.8M
$30.3M
“
2015
$63.4M
$39.8M
Gateless SM is great because it’s a foot in the door. It’s
a way that we initially set ourselves apart with realtors —
a website with all these tools that will help them out.”
Drew Boland
Chicago, IL
NMLS ID # 222913
2015 loan volume: $94.9M
2014 loan volume: $43.7M
2015 Scotsman Guide rank: 199
Products
& pricing
We sell directly to Fannie Mae, Freddie Mac and Ginnie Mae,
which provides minimal overlays and the most competitive
pricing on conforming products in the mortgage industry,
giving our originators the arsenal to be their own CEOs.
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.
Conventional Conforming
Jumbo
Second Mortgages
• 10+ correspondent lender
available
• 12+ National correspondent
lenders available
• Fully amortized fixed second
mortgage
• 97% financing options
• 6 Regional correspondent
lenders available
• HELOC options 90 CLTV up
to $1.5M
• Direct seller to Fannie
Mae and Freddie Mac*
• Locks available without a
secured property, Lock & Roll
• DU Refi Plus and Freddie
Open Access Programs
• Extended lock options
• Non-warrantable condo
options
• 90% LTV Fixed & ARM options
up to $850K
• 85% LTV Fixed options up to
$1.5MM
• Interest Only available
• 9 correspondent lenders
available
Jumbo Wholesale
• Non-credit qualifying FHA
streamline (term & lender
selections)
• FHA High Balance available
• FHA in-house credit and
condo approval
• Fannie Mae Homestyle
• Ginnie Mae FHA 203k
(Streamline & Full)
• In-house Delegation to $3MM
Government Lending
FHA, VA & USDA**
• Direct seller to Ginnie Mae
Renovation Lending
• 20 wholesale lenders available
• Foreign national programs
• Asset Depletion
• Cash out up to $1M
•Condotels
• Bank Statement Programs
• Non-credit qualifying IRRRLs
(term & lender selections)
• VA Jumbo available
• No minimum credit trade line
requirements
*Loan Prospector and Freddie Mac are registered trademarks, and used with
permission, of Freddie Mac. Freddie Mac’s permission to use Loan Prospector or Freddie Mac’s trademark should not be deemed an endorsement by
Freddie Mac of any person or entity.
**Guaranteed Rate, Inc. is a private corporation organized under the laws of
the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US
Department of Agriculture or any other government agency.
*Current as of 4/20/2016
Competitive Pricing
By selling directly to Fannie Mae, Freddie Mac and Ginnie Mae, we are able to offer some of 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.
“
Government loans allow me to cast a wider net. My goal
is to help every single client who walks in the door with
the right product for them. Having these government
products at my disposal allows for custom solutions for
every borrower.”
Shant Banosian
Waltham, MA
NMLS ID # 7206
2015 loan volume: $337.6M
2015 FHA/VA volume: $33.4M
2014 loan volume: $179.8M
2015 Scotsman Guide rank: 4
“
Guaranteed Rate offers a huge, diverse platform of
investors to support the purchase market. This gives me
a true advantage over the competition with my referral
partners. I have real estate agents tell me that if I can’t
do the loan, no one can. I have gained their trust and
their business.”
Michelle Bobart
Chicago, IL
NMLS ID # 137164
2015 loan volume: $86.1M
2014 loan volume: $64M
2015 Scotsman Guide rank: 251
“
With the Guaranteed Rate platform, I can offer clients
the best of both worlds as a lender and broker with
multiple investors on most options. As a result, my
purchase business has increased year-over-year by
20-30% since joining.”
Michael Murgatroy
Boca Raton, FL
NMLS ID# 60099
2015 loan volume: $124.4M
2014 loan volume: $80.4M
2015 Scotsman Guide rank: 93
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 like real CEOs.
Success stories
We provide originators at all volume levels with ultimate support to grow their business exponentially.
By taking advantage of the tools and technology Guaranteed Rate has to offer, you can say goodbye
to grunt work and take charge of your day. Take it from these CEO originators that have significantly
increased their production in short periods of time.
“The biggest difference that
GR has made in growing my
volume is through its platform
with so many investors to fit
clients’ needs, the availability
of GR staff to help with scenario questions or ideas and the
motivation I get from listening
to the National Sales calls.”
“I really take advantage
of the online application
by marketing how great
it is. Now, 90% of my clients
complete an application
online, which helps me to
be more efficient and get
the loan moving faster.”
Gregory Cutt
Park City, UT
NMLS ID # 273554
2015 loan volume: $65.4M
2014 loan volume: $32.3M
2015 Scotsman Guide rank: 468
Cindy Smolin
Northbrook, IL
NMLS ID # 664514
“From the minute I walked
into Guaranteed Rate’s headquarters, I realized they had
invested in, and perfected,
technology and processes over
the last 10 years that I was trying
to create all by myself. With their
systems and people at my side,
I’ve been able to significantly
increase my production this year.”
“Guaranteed Rate arms you
with training, tools and
support you need to thrive.
In just three years, I’ve gone
from $0 to $70 million in
loan volume and my purchase volume increased
300% from 2013 to 2015.”
Amber Arwine
Chicago, IL
NMLS ID # 802229
2015 loan volume: $73.1M
2014 loan volume: $30.3M
2013 loan volume: $18.2M
2015 Scotsman Guide rank: 367
2015 loan volume: $51.5M
2014 loan volume: $39.2M
Ron Erdmann
Cincinnati, OH
NMLS ID # 728342
2015 loan volume: $69.7M
2014 loan volume: $43.5M
2015 Scotsman Guide rank: 410
Exponential growth
Our originators have realized tremendous growth by utilizing the systems and tools we provide.
NAME 2014 VOL 2015 VOL
GROWTH
Ryan R.
$4.2M
$42.7M
911%
Stephen D.
$8.8M $37.5M
320%
Rick R.
$11.0M $37.0M
234%
Matthew M.
$9.6M $32.0M
233%
Matt C.
$7.4M
$24.2M
226%
Jim B.
$12.0M
$33.3M
177%
Todd M.
$22.1M $58.3M
162%
Dave B.
$6.9M $18.1M
160%
Sam B.
$31.9M $83.0M
159%
Brad K.
$10.5M
$25.7M
144%
Amber A.
$30.3M $73.1M
141%
Michael T.
$8.8M $21.2M
140%
David Z.
$9.1M $21.0M
130%
Eric S.
$10.2M $23.1M
125%
Daniel L.
$14.4M $32.0M
120%
Drew B.
$43.7M $94.9M
116%
Jennifer B.
$14.7M $31.8M
114%
Bob B.
$20.2M $42.8M
111%
Walter T.
$13.7M $29.0M
110%
Jeff C.
$13.6M $28.6M
110%
Joe S.
$16.6M $34.6M
107%
Jeffrey A.
$31.2M $64.1M
105%
Gregory C.
$32.3M $65.4M
102%
Keith U.
$15.5M $31.1M
99%
Lance R.
$31.7M $63.2M
98%
Dave C.
$26.2M $51.6M
97%
Incentive & reward
Guaranteed Rate loves to reward our VPs for their growth, which is achieved in large part through
efficiency and promoting a streamlined origination process from start to finish. As such, we created
VP Scorecards as a motivational incentive tool. This allows an originator with at least three loans in a
month to earn additional payouts for each and every loan funded based on exceptional performance
and service.
Originator Scorecard
Highlights
•
You can earn up to an extra 10 bps
on your correspondent funded
volume and up to 5 bps on your
brokered volume based on your
monthly performance.
• We score across three categories:
Production, Quality & Efficiency
and Business Development.
“
It’s nice to get a reward for your hard
work, especially when that reward is
based on the quality of your work.
The recognition helps you stay on top
of your own personal production and
continue to excel.”
Jon Lamkin
Parsippany, NJ
NMLS ID # 143207
2015 loan volume: $80.8M
2014 loan volume: $47.2M
2015 Scotsman Guide rank: 290
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.
208 originators
qualified in 2015
Playa del Carmen, March 2016
2015 President’s Club
$300,000,000+
1 originator hit this
milestone in 2015
$200,000,000+
2 originators hit this
milestone in 2015
$100,000,000+
18 originators hit this
milestone in 2015
$50,000,000+
62 originators hit this
milestone in 2015
$30,000,000+
85 originators hit this
milestone in 2015
“
My business has grown tremendously
since joining Guaranteed Rate. I am
capturing more referrals because of the
products, rates and support, while the
systems that help purchases close on
time and the follow-up marketing give
me more opportunity.”
Craig Stelzer
Boca Raton, FL
NMLS ID # 64247
2015 loan volume: $100.1M
2014 loan volume: $56.4M
2015 Scotsman Guide rank: 170
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.
Originator transition
We strive to make our originators’ transition as seamless as possible.
Process
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.
Startup
During their first week, 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.
Development
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 features top originators who offer their personal insights on
how to help double purchase business.
Method
Our dedicated training team provides immediate assistance to
learn our systems, programs and processes inside and out. They
also provide additional refresher courses to keep originators sharp.
“
When you’re new, training alone doesn’t help you learn
something. The transition team takes something I see on
a webinar and helps me apply it to real life loans. It’s been
tremendous support, and the result is a smooth process
for my clients. I did not expect it to be this easy.”
Dianne Crosby
Oakland, CA
NMLS ID # 304682
2015 total volume: $138.7M
2014 total volume: $128.2M
2015 Scotsman Guide rank: 66
Joined GR in December 2015
“
This has by far been the most seamless transition of my
career. I saw no dip in my production. My team has been
given the training that they need to grow and develop with
GR and marketing made my contacts aware of my change
and took the burden off me. There weren’t any issues.”
Andrew Marquis
Waltham, MA
NMLS ID# 29861
2015 loan volume: $195.2M
2014 loan volume: $119.5M
2015 Scotsman Guide rank: 22
“
We got so much support that it was overwhelming
because we weren’t used to being pampered so much!
Everybody made the transition so smooth and more
people reached out than I could have ever imagined
from every department.”
Indu Kapoor
Dallas, TX
NMLS ID# 296179
2015 loan volume: $47.3M
2014 loan volume: $33.1M
Company accolades
Guaranteed Rate is an industry leader, stacking up numerous awards and accolades year after year.
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.
The Chicago Tribune has named
Guaranteed Rate to its “Top Workplaces”
list five out of the last six years.
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 online loan application.
Guaranteed Rate has more originators
ranked on the Mortgage Executive
and Scotsman Guide “Top Originators”
lists than any other bank or mortgage
company for four years running.
Chicago Inno recognized our CEO’s
commitment to building and maintaining a
fun workplace that rewards hard work with
the “Coolest Company” award in 2015.
$18 BILLION
in funded loans in 2015
Guaranteed Rate President and CEO
Victor Ciardelli was named “CEO of the
Year” in 2014 by CityLights. He was
one of five finalists for the award, and
the only finalist not to come from a
traditional tech or software company.
Guaranteed Rate funded $18 billion in
loans in 2015. The company is now one
of the 10 largest home loan companies
in the nation.
Join Guaranteed Rate
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.
Interested in closing more loans?
Visit joingrnow.com.
3940 N. Ravenswood Chicago IL 60613 • guaranteedrate.com
Guaranteed Rate is an Equal Opportunity Employer
joingrnow.com
06_2016
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 866-9347283 • AZ - Guaranteed Rate, Inc. - 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254 Mortgage Banker License #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 MC 2611 • 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 # 14-1744-A • MT - Lic# 2611 • NJ - 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 & Lic #SM.501367 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • OK - Lic # ML002651 • 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 - Licensed in TX: Licensed Mortgage
Banker & Licensed Residential Mortgage Loan Servicer- TX Department of Savings & Mortgage Lending • Utah - Licensed in UT: Utah-DRE Mortgage Entity License #7495184 & Utah-DFI Residential First Mortgage Notification – Utah Department of Financial
Institutions • VT - Lic #2611-1 & 0930 MB & 6100 • 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