• Getarate

Getarate

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Overview

Getarate has a rating of 4.0 stars from 161 reviews, indicating that most customers are generally satisfied with their purchases. Reviewers satisfied with Getarate most frequently mention real estate, great experience, and pre approval. Getarate ranks 3rd among Mortgages sites.

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Reviews (161)

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Frank G.
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October 23rd, 2015
Verified purchase

Kelly was great through out my entire loan process. She really take customer service to another level. I have used other lenders in the past, but have never had such ease as I did with Kelly and Get a Rate. I will use them for all of my purchases from now on.

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Kimberlly V.
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January 31st, 2017
Verified purchase

If you are looking for a company that functions with transparency and is ethically amazing, do business with Get A Rate. As a first time home buyer, Get A Rate walked me through the whole process. At closing there were no surprise or hidden fees. Not only did they educate me with what it entails to obtain a loan, but they were so forthcoming with information and readily available to answer all my questions. Buying a home can be very stressful and I can't lie that I didn't have a meltdown or two, but speaking to both Kelly and Michael reassured me that everything will be okay. And that type of service is priceless. I would highly recommend to family and friends.

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Jim D.
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May 26th, 2017
Verified purchase

Thanks to Jose Munoz, this home buying experience could not have been more pleasant. Jose's transparency and knowledge with navigating the loan process put to rest any anxiety and trepidation I had entering the purchase process. He set expectations and got out in front of everything related to document and information gathering etc so we we were not surprised by anything that may have arisen. Would recommend Jose in instant.

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Jesse N.
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May 26th, 2017
Verified purchase

Knowledgeable, Honest and Trustworthy

I have been working with Jose Munoz for over a year now and have nothing but great things to say about him. Jose not only always gets the mortgage process done in a timely manner but educates my clients so that they thoroughly understand each process of the loan. From the initial meeting to the closing table you will be kept up to date with both the finance and real estate sides of a deal. I highly recommend Jose Munoz for all your Home loan and approval needs.

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Sandra G.
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May 25th, 2017
Verified purchase

Jose Munoz was our loan originator. He is a top notch professional with mortgage expertise and knowledge. His thorough understanding of the business made our home purchase a seamless process. I highly recommend Jose!

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Matt C.
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October 7th, 2015
Verified purchase

Kelly at Getarate was awesome! She was so helpful and patient when helping me secure my first home mortgage. She did in fact get me the best rate I could find. I also went back to her for an FHA Streamline and the process was painless. Everyone in the office is super nice and on top of things. Would definitely recommend them!

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Marco P.
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October 22nd, 2015
Verified purchase

Getarate was incredibly helpful, reliable, and indispensable in my overall mortgage process. Jose Munoz is a very dedicated and efficient broker always providing accurate and precise information when requested. His understanding and knowledge of the mortgage industry is evident. From the beginning of the process he estimates with certainty the loan amount you would get approved for with no future surprises. I would definitely recommend Jose to anyone interested in getting great mortgage service and excellent interest rates.

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Raquel C.
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November 2nd, 2015
Verified purchase

As first time home buyer, I truly was impressed with this lender. Jose from Getarate was very helpful throughout the entire process and answered all of my questions. I would definitely tell potential buyers to call Getarate if want to own a home.

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Zhaneta P.
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October 23rd, 2015
Verified purchase

Great buying experience. Would highly recommend anyone who is looking to buy a house. Especially, Jose acted very professional and has been very useful in advising and guiding us to the right direction.

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Luda B.
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May 27th, 2017
Verified purchase

Awesome Experience!
Jose Munoz, our loan originator, did an amazing job at communicating all the intricacies of our loan. This was our first home and we had a lot of inquiries. He was available 24/7 for any questions. He explained kindly every time updating the current situation. Due to his professionalism and knowledge, we got a lower rate and closed within less than 30 days! I would highly recommend Get A Rate and Jose to my friends and everyone! Thank you, Jose, you are awesome!

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Alex T.
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October 22nd, 2015
Verified purchase

Jose Munoz of Get a Rate helped me with two mortgages - one for my current residence and one for an investment property. Both transactions went through very smoothly and faster than anticipated. I am currently in the process of purchasing another investment property and reached out to Jose without hesitation. He is definitely an extremely valuable resource to have when buying a house.

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Grace N.
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May 26th, 2017
Verified purchase

Jose Munoz made our home buying experience nothing short of a pleasure, he answered all of my questions, he was extremely informative and knowledgeable. Anybody that's in the home buying or refinancing market, I highly recommend his services.

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Theresa S.
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October 23rd, 2015
Verified purchase

Dealt with Kelly L. And she was fantastic to work with. So professional! Excellent response time, crunched numbers for me to explain my options and answered all my questions. Really knows what she is doing. Such a difference from other mortgage brokers. Recommended her to several friends and family already.

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Tanuja H.
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January 2nd, 2018
Verified purchase

I am glad we were approached by Scott.We got pre approval from few big banks and we spoke with Scott from Get A Rate.It was a breeze working with him.
I had tough time with some other lender's calling me like crazy, forcing me to talk to them.But Getarate was nothing like that.
I started doing my research on loan lenders and read their reviews.But when I saw Getarate's review,everyone was positive about them.We thought how is that possible and thought to give it a shot.Once we started working with
Scott,he was always there for us.We can vouch for him.He is down to earth, in depth knowledge, very professional

By the time we finalized on a house, the rates had hiked but Scott made sure he gave us the best competitive rate.
Once the loan processing starts the role of agent is generally over but Scott made sure to follow up with us and always available.Because of Scott we got our home on time.Thank you Scott and Getarate, we truly appreciate it.

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Ivania B.
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October 12th, 2015
Verified purchase

Talk about getting the job done! Daniel Valencia is the epitome of a hard working professional. I told him what I wanted and he went above and beyond to make sure it happened. Not only did I ask a million questions that he always had the answers to but he made sure that there where no gaps or reason for me to further question any step. I can say this free and clear that this is the first time I have ever heard of a VA loan closing in 30 days so I tip my hat to you sir. Thank you for making this such an exciting and gratifying experience for me. I recommend a million times especially for all of my veteran counter parts. He is now Veteran approved!

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Diehl C.
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October 8th, 2015
Verified purchase

Loan officer Daniel Valencia was a pleasure to work with. He was knowledgeable, professional, extremely detail oriented and worked diligently to guide me through the process of my mortgage loan. Get-A-Rate is very lucky to have him.

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Marilyn W.
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October 12th, 2015
Verified purchase

My experience with Getarate.com was perfect! Seamless and fluid. Not a single problem or glitch.
They were very professional, knowledgeable and prompt with responses and information.

Thank you for all your work.

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Colleen a.
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November 13th, 2018
Verified purchase

My husband and I are so thankful we were introduced to Get a Rate by an acquaintance. Nick and his employees gave us straight forward answers to help guide us in the mortgage process and it made all the difference for us to know when finding our home. Thank you so much!

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Joe M.
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October 8th, 2015
Verified purchase

I approached shopping for a mortgage with a kind of dread, having heard all sorts of "horror stories" from friends in similar situations in the past. My experience with Getarate.com proved that my fears had been completely baseless. The two brokers with whom my wife and I worked were friendly, enthusiastic and immediately responsive to any concerns that we had. Throughout the process, we felt as if we were their only customers...as if we were getting a mortgage through friends in the business. "Pleasantly surprised" isn't a strong-enough description of our experience with Getarate.com; I'm very thankful to have had these guys on my side.

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Katie C.
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May 25th, 2017
Verified purchase

Get A Rate and Jose Munoz have been very helpful with my home buying process. From start to finish, Jose made the process very simple, fast and comfortable. I never felt "in the dark" about the status of my loan or any other details due to his great communication and attention to detail. Jose was available anytime I needed him and happy to help. His ability to get the lowest possible rate while closing in time speaks volumes about his years of experience in this industry and true professionalism!

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Courtney L.
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June 1st, 2017
Verified purchase

Jose Munoz did a fantastic job helping me and my husband with our mortgage. He made the process really easy and took plenty of time to explain everything to us. He is very trustworthy and friendly. We are recommending him to all our friends!

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Joanne R.
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October 8th, 2015
Verified purchase

Joe was very helpful and very professional all the time. Our loan was very complicated due to the fact that we had three people on the loan so it took a little longer then first anticipated, but Joe was always was very accessible when ever we had questions. I feel Joe goes out of his way to please his clients. He even came to my home to do paper work later at night.I think he puts his all into his job.

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Matt A.
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October 22nd, 2015
Verified purchase

Me and my significant other went to getarate based on a friend's referral and we were not disappointed. We first spoke with Jose over the phone when we decided that we wanted to purchase a home. After disclosing our budget and savings plan he ran a few scenarios and gave us a dollar amount we should be ready to spend on closing day. Thanks to his clear advice and mortgage expertise we were ready to purchase our home in time. Jose was extremely caring, listened to us and suggested a few options we should consider vs. pushing mortgage products that was in his best interest. Getarate and Jose made the entire home buying process easy and drama free. Would recommend to anyone who is considering purchasing their first or 5th home.

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John B.
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October 9th, 2015
Verified purchase

Nick and Danny were honest and thorough throughout every step of our mortgage! Any questions we had, they were available to answer them around the clock. The float down also gave us the best possible rate shortly before our closing. In sum, we were extremely pleased with all of their time and effort to make this special transition in our life possible!

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Jason E.
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October 12th, 2015
Verified purchase

Good loan product. Relativity clear on what documents were needed, although that process could have been smoother. It would have been easier if all documents needed were identified at the outset, rather than multiple follow up emails regarding additional documents.

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From the business

Get A Rate is a new kind of mortgage company taking a fresh approach to lending and client relationships.

From digital solutions to transparent services, we're all about helping our clients achieve the highest level of success when it comes to personal accomplishments and home ownership.

We rebuilt our process from the ground up to eliminate outdated systems and unnecessary fees so we could operate at a fraction of the cost and pass those savings on to you.

Whether they’re looking to buy a home or refinance a loan, Get A Rate works to empower our clients in accomplishing their goals and dreams.

Business History

Established in 2012

Company Representative

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Michael S.
CEO
Michael I. Sema is a mortgage lending visionary and trailblazer. He started his career in 2004 like most loan
Originators at your typical NJ Mortgage Company to learn about home financing fundamentals and process. His
Tenure there was stellar starting as an account executive to a top producing branch manager in the nation for the
Entire company in a matter of two years.

Sema has held several positions at larger mortgage lending institutions, including day-to-day operations,
Marketing, and technology. After gaining invaluable knowledge and experience, in 2014 he decided to build a
Business with the client experience in mind. Michael believed in offering legendary customer service and guidance
All the while always actively seeking low rates and fees for clients. Plain and simple, he wanted to create a
Preferred customer experience that was effortless and fulfilling at the same time.

His impressive track record and experience overseeing the Company’s mortgage operations is invaluable.
Michael’s vision as the CEO of Get a Rate has adapted over the years, yielding to consumer behavior where the
Customer can “get a rate” at their convenience anytime, anywhere. Not only can they secure competitive rates,
They can also gather all the information needed to choose the right home loan option for their specific situation
And goal in mind.
Michael is proud to have helped thousands of New Jersey homeowners in achieving affordable home ownership.
Today, he continues to educate homebuyers and help them accomplish their financial goals while paving new
Ground in the mortgage industry.

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