Bryan Wernimont at Guaranteed Rate Mortgage

Call Directions Website Contact the business

Bryan Wernimont at Guaranteed Rate Mortgage CO: Regulated by the Division of Real Estate.

Vice President of Mortgage Lending
Bryan Wernimont NMLS ID: #452836
Rate NMLS ID: #2611
https://www.guaranteedrate.com/bryanwernimont
 GA: Residential Mortgage Licensee 452836. Use my 20 yr experience in the mortgage industry to put yourself in the best financial situation to not only fit your needs today but in the future.

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️Applicant subject to cr...
09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️Guaranteed Rate Inc. D/B/A Rate; NMLS  #2611. For licensing information visit http:/...
07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

You relax, we watch - that's the power of Rate Alert. Sign up and let our tech monitor the market. You'll get a notifica...
05/29/2026

You relax, we watch - that's the power of Rate Alert. Sign up and let our tech monitor the market. You'll get a notification the second your goal is reached, and I'll help you turn that alert into real savings.

https://alert.rate.com/refi?emp-id=10137

Need funds for your next home before your current one sells? Our HELOC Bridge lets you quickly and easily tap into your ...
05/28/2026

Need funds for your next home before your current one sells? Our HELOC Bridge lets you quickly and easily tap into your equity for a down payment, closing costs or temporary expenses so you can move without waiting. Available for primary, secondary or investment properties. Reach out and see if you qualify today!

http://rate.com/bryanwernimont

VA buyers are often some of the most solid clients in the deal. Stable income, strong profiles, and a benefit they've ea...
05/27/2026

VA buyers are often some of the most solid clients in the deal.
Stable income, strong profiles, and a benefit they've earned. It's all about how we position them.
Work with me and I'll help you present them with confidence.

http://rate.com/bryanwernimont

Renovating starts with a plan - and that starts with understanding what it will cost. From setting priorities to budgeti...
05/26/2026

Renovating starts with a plan - and that starts with understanding what it will cost. From setting priorities to budgeting for surprises, knowing the numbers upfront helps you decide what's worth doing and how to pay for it responsibly. Learn more at rate.com/mortgage/resource/home-renovation-cost or reach out for insights on your next step.

https://www.rate.com/mortgage/resource/home-renovation-cost?LOID=10137

Financial Planners, 𝐇𝐞𝐥𝐩 𝐘𝐨𝐮𝐫 𝟓𝟓+ 𝐁𝐮𝐲𝐞𝐫𝐬 𝐎𝐯𝐞𝐫𝐜𝐨𝐦𝐞 𝐂𝐚𝐬𝐡 𝐂𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐨𝐧 𝐖𝐢𝐭𝐡 𝐓𝐡𝐞𝐬𝐞 𝐏𝐫𝐨𝐯𝐞𝐧 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐞𝐬The hardest conversations...
05/21/2026

Financial Planners, 𝐇𝐞𝐥𝐩 𝐘𝐨𝐮𝐫 𝟓𝟓+ 𝐁𝐮𝐲𝐞𝐫𝐬 𝐎𝐯𝐞𝐫𝐜𝐨𝐦𝐞 𝐂𝐚𝐬𝐡 𝐂𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐨𝐧 𝐖𝐢𝐭𝐡 𝐓𝐡𝐞𝐬𝐞 𝐏𝐫𝐨𝐯𝐞𝐧 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐞𝐬

The hardest conversations in real estate today have nothing to do with interest rates. They're about buyers losing to a cash offer.
You know the scenario well:
A well-qualified buyer writes a strong offer ...
only to watch an all-cash bidder take the home in one move.

Not because your client lacks commitment.
Not because they aren't financially responsible.
But because cash wins speed, certainty and leverage.

And when the same buyers keep coming up short, momentum fades fast.
Every failed offer chips away at buyer confidence and deal flow.

There is a way to make financed buyers more competitive - even in heavy cash markets.

Expand purchasing power using reverse-for-purchase (no DTI requirement).
For clients 55+, this structure removes the single biggest qualification constraint and instantly increases purchasing capacity.
More budget = more competitive offers.

Position home equity as a power-bidding tool.
Reverse-for-purchase removes the monthly mortgage payment, giving buyers greater
purchasing power, cleaner offers and the flexibility sellers favor in competitive scenarios.
It's about greater optionality.

When these strategies are introduced, real shifts happen:
✅ more competitive offers
✅ fewer losses to cash
✅ higher buyer confidence
✅ better outcomes in low-inventory, high-competition markets

In a market where cash can dominate, your advantage is the ability to help buyers play a different game.

Are cash buyers dominating your local market right now? How are your clients navigating those offer rounds?

http://rate.com/bryanwernimont

VA appraisals get misunderstood all the time. They're focused on safety and livability, not nitpicking cosmetic stuff. M...
05/20/2026

VA appraisals get misunderstood all the time.
They're focused on safety and livability, not nitpicking cosmetic stuff. Most deals move forward without issues when it's handled upfront.
Call me and I'll help you navigate it the right way.

http://rate.com/bryanwernimont

Retirees Falling Short: Using Home Equity as a Buffer𝐘𝐨𝐮𝐫 𝐂𝐥𝐢𝐞𝐧𝐭𝐬 𝐇𝐚𝐯𝐞 𝐚𝐧 𝐀𝐬𝐬𝐞𝐭 𝐇𝐢𝐝𝐝𝐞𝐧 𝐢𝐧 𝐏𝐥𝐚𝐢𝐧 𝐒𝐢𝐠𝐡𝐭 𝐓𝐡𝐚𝐭 𝐂𝐨𝐮𝐥𝐝 𝐒𝐚𝐯𝐞 𝐓𝐡...
05/19/2026

Retirees Falling Short: Using Home Equity as a Buffer
𝐘𝐨𝐮𝐫 𝐂𝐥𝐢𝐞𝐧𝐭𝐬 𝐇𝐚𝐯𝐞 𝐚𝐧 𝐀𝐬𝐬𝐞𝐭 𝐇𝐢𝐝𝐝𝐞𝐧 𝐢𝐧 𝐏𝐥𝐚𝐢𝐧 𝐒𝐢𝐠𝐡𝐭 𝐓𝐡𝐚𝐭 𝐂𝐨𝐮𝐥𝐝 𝐒𝐚𝐯𝐞 𝐓𝐡𝐞𝐢𝐫 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭-𝐀𝐫𝐞 𝐘𝐨𝐮 𝐔𝐬𝐢𝐧𝐠 𝐈𝐭?
Most research reports that retirees are falling short of their retirement savings needs*. And financial advisors are the ones being asked to "fix it" with portfolios that are already stretched thin.
You feel the pressure, because you know how quickly a few difficult years can accelerate portfolio depletion. If nothing changes, portfolios will drain faster than they should - and clients will feel the strain long before the numbers hit zero.
Relying on traditional withdrawal strategies alone just isn't enough in today's environment. Here's the shift advisors are making: Integrate home equity as a strategic buffer asset - not a last resort, but a planned component of retirement income stability. 💡
And that strategy really comes down to two key actions:
→ Use equity as a buffer asset for income supplementation. When portfolios are under pressure, tapping housing wealth reduces forced withdrawals and gives invested assets room to recover.
→ Strategically improve cash flow by sunsetting existing monthly mortgage payments**. Refinancing an existing loan with Reverse Mortgage*** financing improves monthly cash flow and therefore, takes pressure off of depleting assets under management.
And mitigate the risk inherent in the housing market by locking in access to their equity at today's values - so it is there when needed for long-term care expenses or to cover the uncertainties in retirement.
🏦 Home equity becomes a tool for risk management and longevity (not just liquidity).
When you take this approach, everything shifts:
📈 Portfolios stretch further
🛡️ Clients feel more secure during market volatility
💵 Withdrawals become more sustainable
🌐 planning evolves into true total-wealth management
Advisors who use equity strategically aren't reacting to markets-they're building resilience into the plan. 🏗️
Are your retired clients starting to feel income pressure? How are you helping them navigate it? 👇
Talk to me about what my Reverse Team can do for you.

Purchase market is beginning to move after 3 years.* Uncertainty and affordability remain ... so does hesitation. Transa...
05/18/2026

Purchase market is beginning to move after 3 years.*
Uncertainty and affordability remain ... so does hesitation.
Transactions take longer to materialize. If that sounds familiar, you're not imagining it.

This environment places limits on what traditional purchase strategies can deliver, and it's clear that relying on buyer momentum alone won't create the growth most professionals aim for.

But here's the reality:
Waiting for the market to "pick back up" comes at a cost.
◦ fewer opportunities to serve clients and referral partners
◦ competitors stepping in with solutions you may not be offering yet
When purchase activity is unpredictable, expanding the toolkit becomes essential.
There is a way to create movement again: Integrate reverse purchase financing into your approach.
Why? Because it directly addresses the challenges this market created.

It unlocks a buyer segment who may not qualify comfortably with traditional financing. When these clients learn they can purchase with no monthly mortgage payment, affordability increases and options expand.

It strengthens your position with agents and partners. Educating referral partners on reverse purchase doesn't just support their business- it helps them win deals they're currently losing, which leads to stronger collaborations and more predictable inbound activity.

And the results speak for themselves:
* steadier purchase volume even in a high-rate environment
* clients 55+ gaining access to homes previously out of reach
* referral partners sending business your way because you offer broader solutions
* a growth path that doesn't depend on waiting for conditions to improve

Reverse purchase isn't a niche product in this market-it's a pathway to consistency when the traditional playbook isn't enough.
What questions or concerns do you have about adding reverse purchase into your strategy?

http://rate.com/bryanwernimont

Address

305 Minnetonka Avenue S, Suite 201
Wayzata, MN
55391

Opening Hours

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

Telephone

+16122130006

Alerts

Be the first to know and let us send you an email when Bryan Wernimont at Guaranteed Rate Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Bryan Wernimont at Guaranteed Rate Mortgage:

Shortcuts

Share