Ben Cohen. Your Expert Lender
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1 Ben Cohen Your Expert Lender
2 Guaranteed Rate s Story Guaranteed Rate was founded in 2000, and has since become one of the ten largest retail mortgage companies in the U.S. Since inception, Guaranteed Rate has continued to experience rapid growth with an increase in funding volume from $195 million in 2000 to $15.9 billion in The company s innovative approach to mortgage lending has been the key to its success. Taking the best practices from market leaders in other industries and applying them to the mortgage business, Guaranteed Rate has instituted new systems and technologies that have significantly reduced overall operating costs a savings that is passed on to you. The company s leading edge approach has also produced a much higher level of customer service. The application process has been streamlined and automated so that a customer can apply online and get pre-approved within one hour. Much of the underwriting process has been automated, reducing the total time a customer is able to close their loans from months to days. I believe the key to exemplary customer service is communication. Particularly in the mortgage process, it is important for people to continually understand their options, as well as continually provide them with updates on the progress of the loan approval.
3 Caring about customers is good business. Low rates, low fees, fast approvals make good sense! Customer service and offering competitive rates is everything to me. I continually strive to treat people the way that I would want to be treated during the loan process. This starts from the first phone call through the closing process, until long after my clients move into their homes. I also strongly believe in continually keeping clients in the loop during the loan process, as it can be a difficult maze to navigate for many people. To ensure continual communication with my clients, I make myself available to them 24 hours a day, 7 days a week. - Ben Cohen
4 We ll find you the perfect loan product. Guaranteed Rate continues to grow stronger with more products to offer than other lenders. Conventional Fixed and Adjustable Rate Mortgages Single family residence + condo low down payment options available Non-Warrantable Condo of First-in Programs available Flexible condo guidelines available for common condo approval issues Jumbo Loans Up to 90% loan to value* No MI loan options may be available Second home and investment property financing available Aggressive 30 year fixed rate and ARM rates available FHA and VA Loans Full HUD approval with on-site underwriting staff 203k(s) Rehabilitation Programs available In house FHA condo approval Access to Multiple Banks Relationships with over 35 banks allows Guaranteed Rate to offer the most competitive interest rate and program combinations Other Products are Available Guaranteed Rate has an insurance company to provide our mortgage customers with the highest quality and low cost insurance products available *Assumptions 10% down payment is based on purchase price of $429,900 with a 30 Year Fixed term and rate of 4.625%/5.056 APR. Sample rate provided as of 4/1/14. Rates may change due to market conditions and are subject to underwriting guidelines and applicant s credit profile. Contact Guaranteed Rate for a current rate quote and more information. NMLS (Nationwide Mortgage Licensing System) ID 2611 Alabama Lic# AK Lic#AK2611 AR Lic# Guaranteed Rate, Inc N Ravenswood, Chicago IL AZ - Guaranteed Rate, Inc N. Kierland Blvd., Ste. 100, Scottsdale, AZ, Mortgage Banker License # BK CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic # CO- Guaranteed Rate, Inc. Regulated by the Division of Real Estate, CT - Lic #17196 DE - Lic # 9436 DC - Lic #MLB 2611 FL-Lic# MLD618 GA - Residential Mortgage Licensee # N. Ravenswood Ave., Chicago, IL 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, , 3940 N. Ravenswood Ave., Chicago, IL #MB IN - Lic #11060 & #10332 IA - Lic #MBK KS - Licensed Mortgage Company - Guaranteed Rate, Inc. License #MC 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 #FR & SR MN - Lic #MO MS Guaranteed Rate, Inc 3940 N. Ravenswood Ave., Chicago, IL Mississippi Licensed Mortgage Company, Lic # MO Guaranteed Rate Lic # 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 # MB NM - Lic #01995 NY - Licensed Mortgage Banker NYS Department of Financial Services N Ravenswood, Chicago, IL Lic # B NC - Lic #L ND - Lic #MB OH Lic #MBMB and Lic #SM N. Ravenswood Ave., Chicago, IL OK - Lic # MB OR - Lic #ML N. Ravenswood Ave., Chicago, IL PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #20371 RI Rhode Island Licensed Lender Lic # LL, RI Rhode Island Licensed Loan Broker Lic # LB SC Lic #-2611 SD Lic# ML TN - Lic # TX - Lic # & Lic # UT - Lic # 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 & MB WY Lic#2247
5 Hello. The Nation s Largest and Best Independent Mortgage Banker is now available in your neighborhood! Guaranteed Rate is the first consumer advocate mortgage company that takes the mystery out of mortgage lending. We give consumers an up front, honest comparison of interest rates and all the costs associated with applying for a mortgage. We re also committed to delivering low rates and fees while maintaining the highest degree of customer satisfaction. Here is some information about myself. Recognized on the Top 200 Mortgage Originators in America, Ranked16th in 2014 by Mortgage Executive Magazine and Scotsman Guide Ben Cohen Senior Vice President of Mortgage Lending Proud father of 3 boys Resident of the North Shore 10+ years in the Mortgage Industry Closed $150 million in loans 2014 Showing exemplary customer service through constant communication Offering competitive low rates and low fees Being open, honest and transparent with the loan process Available 24 hours a day, 7 days a week February 2015 tel: cell: fax: ben.cohen@guaranteedrate.com N Ravenswood Chicago, IL NMLS ID: IL MB , IN , WI BA NMLS (Nationwide Mortgage Licensing System) ID 2611 Alabama Lic# AK Lic#AK2611 AR Lic# Guaranteed Rate, Inc N Ravenswood, Chicago IL AZ - Guaranteed Rate, Inc N. Kierland Blvd., Ste. 100, Scottsdale, AZ, Mortgage Banker License # BK CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic # CO- Guaranteed Rate, Inc. Regulated by the Division of Real Estate, CT - Lic #17196 DE - Lic # 9436 DC - Lic #MLB 2611 FL-Lic# MLD618 GA - Residential Mortgage Licensee # N. Ravenswood Ave., Chicago, IL 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, , 3940 N. Ravenswood Ave., Chicago, IL #MB IN - Lic #11060 & #10332 IA - Lic #MBK KS - Licensed Mortgage Company - Guaranteed Rate, Inc. License #MC 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 #FR & SR MN - Lic #MO MS Guaranteed Rate, Inc 3940 N. Ravenswood Ave., Chicago, IL Mississippi Licensed Mortgage Company, Lic # MO Guaranteed Rate Lic # 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 # MB NM - Lic #01995 NY - Licensed Mortgage Banker NYS Department of Financial Services N Ravenswood, Chicago, IL Lic # B NC - Lic #L ND - Lic #MB OH Lic #MBMB and Lic #SM N. Ravenswood Ave., Chicago, IL OK - Lic # MB OR - Lic #ML N. Ravenswood Ave., Chicago, IL PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #20371 RI Rhode Island Licensed Lender Lic # LL, RI Rhode Island Licensed Loan Broker Lic # LB SC Lic #-2611 SD Lic# ML TN - Lic # TX - Lic # & Lic # UT - Lic # 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 & MB WY Lic#2247
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