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Guaranteed Rate OverviewCopyright © 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 RetailMortgage 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 MinutesOur easy, intuitive online application allows you to choose the rate you want, and get pre-approved instantly.*


1. Choose a loan and rate2. Free credit report3. Instant approval4. Print a pre-approval

letter5. 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’llhave 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 OwnershipIs 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 yourhome financing needs


Mary Kay LaurentVice President of Mortgage LendingP: 773.516.6859C: 312.403.4150MaryKay.Laurent@guaranteedrate.comwww.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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