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¹ Savings, if any, vary based on consumer credit profile, interest rate availability and other factors. Sample savings amount is provided for illustrative purposes only. Owning cannot guarantee a borrower will save a specific amount of money by obtaining a loan. Contact Owning for up to date rates and to discuss your individual loan options. Borrowers are free to obtain additional quotes to ensure they are getting the best services and the best price for those services. Restrictions apply.

²Source: Optimal Blue – Rate Index Research Paper

³ Guaranteed Rate home equity line of credit (HELOC) is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. This product is currently not offered in the states of New York, Kentucky, West Virginia, Delaware and Maryland. The HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Borrowers must meet minimum lender requirements in order to be eligible for financing. Available for primary, second homes and investment properties only. Dependent on minimum credit score and debt-to-income requirements. Occupancy status, lien position and credit score are all factors to determine your rate and max available loan amount. Not all applicants will be approved. Applicants subject to credit and underwriting approval. Contact Guaranteed Rate for more information and to discuss your individual circumstances. Restrictions Apply.

⁴Owning's 1 day approvals promotion offers qualified customers who provide certain required financial information/documentation to Owning within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Owning cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Owning reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Self-employed borrowers are not eligible. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit owning.com/one-day-approval for terms and conditions.

Owning 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 Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans' benefits except as authorized under Title 38 of the United States Code.

Savings, if any, vary based on consumer credit profile, interest rate availability, and other factors. Restrictions apply.

Owning is a division of Guaranteed Rate, Inc, NMLS #2611 Headquarters: 3940 N Ravenswood, Chicago IL 60613

For licensing information, go to: www.nmlsconsumeraccess.org
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