Guaranteed Rate Overview

Guaranteed Rate Overview

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

Presented By: Tom Pessemier, 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


Closed Loan Volume, 2000-2013

Industry Leading Customer Service



GR Spokesperson – Ty Pennington

• Host of Extreme Makeover: Home Edition and home design guru

• Featured on guaranteedrate.com, Partner Xchange, 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 FHA 203(k) department

• VA & USDA loans

• Jumbo financing experts

• Online application – fast, free and easy


Loan Options


Conforming Options

• 8 Correspondent Lenders available

• 95% financing available with PMI & condos

• Direct Lender with Fannie/Freddie, Fixed & ARMS

• Locks available without a secured property

• 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

• 10 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 620


VA & USDA

• 7 Correspondent lenders available

• 100% Financing

• IRRRLs available

• VA Jumbo

• Minimum FICO score 640


Second Mortgages• 80/10/10• Fixed & HELOC available

Jumbo Options

• 20 Correspondent Lenders available

• 20 Wholesale 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 $2,500,000

• 70% LTV to $3,000,000

• In House Delegation

• 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) $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


*Commercial loans not available in AZ, CA, NJ, NY, NC & VT.

Lock ‘n’ Roll – Exclusive New Program

• Borrowers can now get pre-approved and locked into a rate while

they are still house hunting.

• Lock in a rate for 55, 70 or 85 days while shopping for a property

before signing a purchase contract

• Option to renegotiate rate if rates go down

• All property and occupancy types

• Conventional fixed rate (Fannie Mae and Freddie Mac)

• FHA and VA fixed rate

• 15, 20 and 30-year products


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

Go to:www.guaranteedrate.com/tompessemier

Click The Green Apply Now Button


http://www.guaranteedrate.com/tompessemier

http://www.guaranteedrate.com/tompessemier

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 rate

2. Free credit report

3. Instant approval

4. Print a pre-approval

letter

5. Save $150 at closing

Instant Pre-Approval Letter for You


With instant pre-approval, you’llhave the advantage over other buyers

24/7 Loan Status for You


With automated email notifications for each step of the process

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


John SmithVice President of Mortgage LendingP: 941-313-8148 C: 425.780.6374Tom.Pessemier@guaranteedrate.comwww.guaranteedrate.com/tompessemier

NMLS ID:117989 FL – LO23120 – MLD618, WA – MLO–117989 – CL2611

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