Ann Marie Howser at Guaranteed Rate

Ann Marie Howser at Guaranteed Rate RegIonal Sales Manager | Guaranteed Rate NMLS 2611
http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611

06/10/2026

Leadership isn't just about leading the charge—it's about having the back of every member on your team.

A reliable leader empowers their sales team by sharing knowledge and lending a listening ear when needed. Did you know that teams who feel supported see a boost in creativity and problem-solving?

Whether cheering from the sidelines or rolling up their sleeves to help close a deal, a good leader knows how to adapt to what their team truly needs.

What defines reliable leadership to you? Drop a comment and let's discuss how we can continue to build a supportive environment together. Looking for guidance or support? Reach out, and let's talk.

https://myoc.io/cgoCtf4AfRl

Congratulations to Ryan Proffitt on his installation as Incoming President of the MBA! We are especially proud that Ryan...
05/14/2026

Congratulations to Ryan Proffitt on his installation as Incoming President of the MBA! We are especially proud that Ryan is our very own Area Manager in the North Florida market with Rate, and this is such a well-deserved accomplishment. Today’s meeting was a tremendous success with a great turnout, strong leadership transitions, and an outstanding presentation from Mark Pease of Florida Housing. Wishing Ryan and the entire 2026/2027 Board of Directors a successful and impactful year ahead. Special thanks as well to Paul Miller for his leadership and service as Outgoing President!

Big Congratulations to Rick Elmendorf on already achieving President’s Club status in the first quarter of the year!This...
04/09/2026

Big Congratulations to Rick Elmendorf on already achieving President’s Club status in the first quarter of the year!

This milestone isn’t just about production — it’s a reflection of Rick’s passion for the business, commitment to excellence, and dedication to helping clients achieve their dream of homeownership.

What’s even more exciting is that we’re only getting started. Rick’s continued growth, leadership, and client-first mindset are setting the tone for an incredible year ahead.

When you combine experience, heart, and hustle… great things happen.

Looking forward to watching Rick continue to make an impact, help more families, and raise the bar even higher in 2026.

👏 Congratulations, Rick — well deserved and just the beginning!


Rick Elmendorf Lisa Mesler

04/07/2026

Red flags I notice in interviews with loan originators

Not every red flag is obvious.

Most of the time, it’s not what someone says... it’s how they think.

After years of interviewing loan originators, here are the patterns I pay attention to.

1. No clear process

If someone can’t walk me through how they handle a deal, from pre-approval to closing, that’s a problem.

Strong loan officers don’t wing it.
They operate with structure.

2. Over-reliance on rates

If your main value proposition is “I have great rates,” you’re replaceable.

Rates change.
Relationships and ex*****on don’t.

3. Blaming external factors

“The market is tough.”
“Agents aren’t loyal.”
“Leads are bad.”

Top producers take ownership.

They adjust.
They don’t deflect.

4. Transactional mindset

If everything is about the next deal, there’s no long-term strategy.
The best loan officers build partnerships... not one-off transactions.

5. Lack of curiosity

The strongest candidates ask thoughtful questions.

About process.
About support.
About growth.

If you’re not asking, you’re not thinking long-term.

Here’s the reality:

The focus is not just looking for production, it’s looking for professionals who want to build something sustainable.

The loan originators who win won’t just be the busiest...
They’ll be the most structured, adaptable, and relationship-driven.

That’s what stands out.

Two incredible days spent in Naples with Rick Elmendorf and his amazing team — and what an impactful visit it was!Rick b...
02/26/2026

Two incredible days spent in Naples with Rick Elmendorf and his amazing team — and what an impactful visit it was!

Rick brought his entire team together from across locations for something truly special: time to align strategy, strengthen relationships, and simply enjoy being together as a team. In an industry that moves fast, taking intentional time to connect makes all the difference.

From competitive matches on the pickleball courts, to laughs and friendly competition at TopGolf, and wrapping it all up with a Rate-sponsored Pickleball Tournament, this group proved that high performance and strong culture go hand in hand.

What stood out most wasn’t just the productivity of our strategy sessions — it was the energy, collaboration, and genuine support this team has for one another. When teams invest in connection, growth naturally follows.

Grateful for the opportunity to spend time together, share ideas, and help build momentum for what’s ahead. Excited to see this team continue to grow and win — together!

02/02/2026

Loan officers, let’s talk real for a minute.

If you’re trying to get real estate agents to work with you, here’s the truth:

They don’t choose loan officers because of rates.
They choose loan officers who make their life easier.

Agents want:
✔ Fast, reliable pre-approvals
✔ Clear communication
✔ No surprises before closing

They want confidence before something goes wrong—not explanations after.

The loan officers who grow consistently don’t ask for referrals.
They lead the transaction.
They help agents win more business.
They show up as partners, not vendors.

That’s exactly what I coach loan officers on across the Southeast—how to build real agent relationships that last.

Stop asking for business.
Start creating agent success.

That’s how predictable growth happens.

01/02/2026

Who is your customer?

Before we talk about growth, production, or market share, we have to get clear on who we serve and how we show up.

👉 How are you intentionally serving your clients?
👉 How are you adding value to your referral partners beyond the transaction?
👉 How does every interaction strengthen your personal brand and reputation?

As we look toward 2026, real growth doesn’t come from doing more—it comes from doing the right things better:

Sharpening our customer experience

Deepening trusted relationships

Being consistent, intentional, and accountable

Aligning daily actions with long-term goals

The question isn’t just how do I increase production over 2025?
The real question is: Who do I need to become to earn that growth?

Let’s build with purpose, serve at a higher level, and grow market share the right way—by putting people first.

Address

2000 PGA Boulevard
Palm Beach Gardens, FL
33408

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+15613898533

Website

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