Proper Rate, a joint venture between Guaranteed Rate and @properties, is an independent retail mortgage company offering homebuyers and homeowners personalized lending services through a select team of some of the most highly experienced and dedicated mortgage professionals in the industry. Powered by one of the nation's largest mortgage companies, with leading-edge technology and access to competitive loan programs and rate structures, Proper Rate delivers all of the advantages of a big lender with the hands-on service of a small firm.