Guaranteed Rate - Built for Builders

See why more and more builders are choosing to partner up with Guaranteed Rate and the may advantages it offers.

1. A Mortgage Company Built for Builders Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Presented By: Tim Balogh, Vice President of Mortgage Lending

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

3. One of the 10 L argest Retail Mortgage Lenders in the US 3 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. 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

4. Industry L eading Customer Service 4 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

5. High Net Promoter Score (NPS) 5 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. NPS is a tool that lets us know how happy our clients are with our products and services. And they are very happy. We exceeded the financial service industry’s average score by 48 points in 2014, and scored a company best 84 NPS score in the fourth quarter.

6. Accolades 6 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Inc. Magazine named Guaranteed Rate the #4 private company job creator in the U.S. in their 2013 Hire Power Awards, and #1 ranked job creator in the real estate category. Guaranteed Rate has more loan officers ranked on the Mortgage Executive, Scotsman Guide and Origination News “Top Originators” lists than any other bank or mortgage company. The Chicago Tribune has named Guaranteed Rate to its “Top Workplaces” list four out of the last five years. Guaranteed Rate was named #1 mortgage company in America by Mortgage Executive Magazine in 2012 . Additionally, Guaranteed Rate President and CEO Victor Ciardelli was named Mortgage Executive Magazine “CEO of the Year” in 2012 and 2013. Committed to technology, Guaranteed Rate received the Built in Chicago Moxie Award in 2013 for its cutting-edge online loan application. 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.

7. 7 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Ty Pennington – Our Spokesperson TV host Featured on guaranteedrate.com, Partner Xchange, and in our national advertising campaign National TV commercials Scheduled to appear at various events nationwide

8. NAHB Show With Ty Pennington 8 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

9. A Mortgage Company Built for Builders 9 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

10. A Mortgage Company Built for Builders 10 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Your partner for every phase of a transaction from beginning to end

11. We Help Get Your Condo Projects Warrantable We will support you in the process… 11 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. In-house condo approval department Weekly calls with our in-house experts Educational opportunities for your project a pproval New construction condo a pproval w/Fannie and Freddie FHA project approval Portfolio product for Non-Warrantable (at the end) No presale requirements Condo 51% CPM approval/PERS available 97% financing available with PMI for SFR and condos (first time buyer)

12. 12 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. T he World’s First Digital Mortgage! Choose their own loan type Get their FREE CREDIT SCORES from all 3 credit bureaus Securely upload & digitally sign their loan documents Get a REAL ONLINE APPROVAL with our automated underwriting engine In just minutes, your buyers can: By completing these steps, your clients can earn $250*! *" Earn $250" is a closing cost credit of $250 (the “Credit”) to be applied at closing and cannot be redeemed for cash. To qualify for the Credit, applicant(s) must complete the full loan application online, digitally sign application documents including credit report authorization, and upload required loan documents via applicant’s secure Digital Mortgage account. Not all applicants, loan amounts or loan types will qualify for the Credit. 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 .

13. Your Buyers Can Shop With Confidence and Certainty 13 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Long-term rate locks up to 12 months Secure your buyers in a rising rate environment. Some buyers won’t qualify at tomorrow’s higher rates “Float down” feature if rates do improve Available on fixed and ARM products as well as Jumbo*, FHA and conventional *Jumbo loans may not have 12 month lock terms available

14. 24/7 Loan Status For You and Your Buyers 14 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. With automated email notifications for each step of the process

15. We Can Help You Close More Deals With More Financing Options We can provide options where the Big Banks may fall short 15 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Over 40 lenders available Direct lender to Fannie Mae/Freddie Mac/ Ginnie Mae, Fixed & ARM 97% financing available with PMI: single family & condominium (first time buyers) Up to 90% CLTV piggyback loans Fixed & HELOC available State bond programs available

16. Comprehensive S et of Jumbo O ptions 16 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. 20+ c orrespondent l enders available 20+ w holesale l enders 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 d elegation to $3,000,000 50% DTI Foreign national p rograms ARM interest o nly a vailable

17. Stronger Contracts and Fewer Contingent Offers 17 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Expanded guidelines for more non-contingent contracts Expanded debt-to-income ratio 5/1 ARM qualifies at note rate (not the fully indexed rate) No equity requirement on departing residence to utilize rental income Example: New home purchase: $500k New home loan amount: $400k Equity in vacating home: 0% Rental income on vacating residence: $ 2,000/mo . Borrower DTI with both properties: As with big bank 52% As with Guaranteed Rate 45% Big bank: declined Guaranteed Rate: APPROVED

18. Builder Partners Receive a Pre-Approval Up Front Your buyers are fully pre-approved from the start 18 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Full loan pre-approval issued, NOT a pre-qualification A ppraisal ordered at the time of application Regular loan status reports on all transactions with GR

19. We Help You Eliminate Buyer Fall-Out 19 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. We look for “landmines” at application with our 10-point checklist Review and source all earnest money Review and source all large deposits Discuss the pitfalls of taking on additional debt during construction Discuss how a job change can impact approval during construction Discuss how title is to be held at the time of close Review power of attorney options/needs for close Detailed credit report review (short sales, credit disputes, inaccurate data ) Notification that an additional credit report to be pulled prior to close Notify lender of all upgrades at least 10 days prior to close Discuss any possible seasonal work that won’t be completed

20. We Work With Local Appraisers Who Know Your Market 20 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Dedicated panel of local appraisers who are experts in your area/market Note: Select Jumbo investors may require third-party appraisal management company

21. Marketing Benefits 21 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

22. We Can Make Your Website More Useful Easy to Plug-in Widgets – No cost Logos and Widgets GR lender logo and widgets available for integration onto your website. Our team is available to assist with placement and copy. 22 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. GR lender logo Widgets Mortgage landing page

23. We Help Educate Your Buyers with Informative e-books Available to download with one click 23 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Demystifying the Mortgage Process Great for first time homebuyers or folks who might need a refresher Jargon-free , easy-to-understand 28-page e-book Appraisals Explained Outlines the impact of a home appraisal Provides client with the knowledge to easily review appraisal report

24. We Execute Proven Joint Marketing Campaigns with Our Builder Partners Postcards 24 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Just Listed and Just Sold Postcards Other neighborhood postcards Targeted mailings/prospecting Client retention – mailings to current clients

25. We Create Client Marketing Materials That Help You Close More Deals Brochure stand with bi-fold brochures 25 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Flyers for buyer packets

26. We Organize Fun and Engaging Events 26 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Get foot traffic to the models and developments Increase Visibility Builders can work with their Guaranteed Rate loan officer to sponsor catering and provide marketing materials for model homes and open houses, first time homebuyer seminars, client appreciation and professional networking events. Decorating Class for your new home Homebuyer Seminar with expert panel Family Photo Shoot Open Houses/Home Tours Social Media and iPad Trainings Block Parties

27. Guaranteed Rate: A Mortgage Company Built for Builders 27 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Tim Balogh Vice President of Mortgage Lending P : 615.203.0212 C: 423.280.9585 [email protected] www.guaranteedrate.com/timothybalogh NMLS ID:897427 TN, GA - 031.0031314 MB.0005932 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 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 # 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