The Nation's 1st Educational &
Ethical Lending Institution
Preferred rates as low as 3.250% (3.380% APR)
Select Loan Type:
Select Loan Type
Michael Sema
CEO of Get A Rate
Welcome to a new era of homeownership. An era where protection, education and empowerment have innovated a new generation of lending. We are the nation's first and only Non-Commissioned Home Lender driven by purpose, truth, transparency and integrity.
Learn More
Our Difference
30 Min Pre-Approval
Step 1: Learn

We'll open with a discovery phase - we want to know about you, your goals, and your ideal home loan scenario.

7 Day Processing
Step 2: Plan

Together we'll assemble a plan for your rates, programs, payments, and more. With our No-Commission Advisors you'll get the unbiased, honest advice you deserve.

Get Ready To Close
Step 3: Close

After selecting the right plan for you, we finish processing your loan and will prepare you to close. Your new home awaits!

Start Your Application
First Name*
Last Name*
Phone Number*
A New Era Of Home Ownership Is Finally Here
Got a few minutes? We’ll get you Pre-Approved.
Today’s Mortgage Rates
30 YearFixed
4.074% APR
30 YearFixed FHA
4.632% APR
15 YearFixed
3.380% APR
Loan Purpose
Purchase Price
Down Payment
Zip Code
Property Type

  • I recently refinanced my home through Get A Rate. I have been living in my home for approximately 10 yrs. I tried refinance through my current mortgage company , Wells Fargo, at least 3 times. My interest rate was high, 6.25% and my payments were high as well. Kelly worked to get me a great rate, 4.125%. This company was very...
    Chantal S. Wayne, NJ
  • My husband and I had the privilege of working with Nick Marenoski and Daniel Valencia throughout our entire mortgage process. Before we found the home that was perfect for us we were in communications with Nick. He was very knowledgeable, professional, and straight forward. He answered any questions we had as first time buyers...
    Jessica V. Wayne, NJ
  • Thank you so much for all of your help and expertise in helping me secure my mortgage. You made this challenging process much less stressful because of your prompt responses, knowledge, and understanding from beginning to end. It was a pleasure working with you.
    Jennifer S. Lodi, NJ
  • The treatment and service that Get A Rate provided to us was truly remarkable. They answered all of our questions and concerns, and made sure that our first home buying experience was a success. Our phone calls and emails were immediately answered, and we always felt that our needs were being met every step of the way. When...
    Jacob P. Paramus, NJ
  • We came to Get A Rate after a very frustrating experience with another mortgage company. I was very pleased with Jose Munoz and Get A Rate. Jose worked hard to get us the lowest cost and to process my application as quickly as possible.
    Elisa M. Hoboken, NJ
  • It comes with great pleasure to send you this email on behalf of a member of your staff, Scott Mawson. After several months of trying to find a mortgage lender to assist in refinancing our home, we were given Scott’s name by an appraiser. I have to say this was a blessing. We were told by numerous “large” lenders (Bank...
    Christine S. Clifton, NJ
  • I can not even put into words how happy I am today. Gene and I closed on our beautiful home in Saddle Brook today. I am completely overwhelmed with the amount of help we have received throughout this journey from Get A Rate Mortgage, our amazing friends and family members. Thank you so much for all your help and for the champagne....
    Agatha P. Saddle Brook, NJ
  • We recently refinanced our home with Get A Rate (aka Amber Sky) in order to help finance a renovation through one of the Fannie Mae programs. It wasn’t a typical refinance and it ended up requiring a lot of organization and coordination between the finance company, the contractor, and the Fannie Mae inspector. Kelly Limbevski...
    Michael A. Fairlawn, NJ
  • After a successful Mortgage closing a few weeks ago, we would like to complement you on a job well done. The service and professionalism we received from start to finish was excellent.

    We felt you consulted us at every stage of the process, keeping us informed of developments. If there were things we needed to know,...
    Sonny M. Fairlawn, NJ
  • I had a pleasure to work with Kelly Limbevski. Get A Rate demonstrates great attitude towards the client, extensive knowledge of the home mortgage market. They are always searching for the BEST rates and willing to help 24/7. All I can say if you are looking for a home loan, Kelly shall be your choice. You won’t be disappointed....
    Maria G. North Bergen, NJ
  • I wanted to personally thank you for the outstanding service you provided in funding and closing 203K home loan. When I first spoke with you in Jan 2014, I mentioned to you that I was considering another mortgage company and you confidently state that we can close in 60-90 days once process starts, well…we closed on April...
    Dilip R. Edison, NJ
  • I am writing to you about one of your employees that have truly changed my life in the most positive way. Kelly Limbevski is truly outstanding at what she does.

    Kelly and I developed a very professional, friendly relationship, one that I felt confident to ask her all types of questions regarding my mortgage, she was...
    Lauren H. Nutley, NJ
  • I just completed my second refinance with Get A Rate. It has been a pleasure to work with Kelly Limbevski on both transactions.

    As we all know, refinancing your house can be stressful but Kelly made this entire process easy. I was impressed to get emails/phone calls from her at 8:00 at night. There was never a time...
    John N. Wayne, NJ
  • I can't thank you enough for showing me all of the different options that were available to me and closing on my loan in a timely manner despite the seller setbacks. I will definitely be referring you and your company to friends and family. Great Service and Experience!! New memories are in the making! Again THANK YOU!!
    Melissa G., Passaic, NJ
  • We would like to thank everyone for their hard work, dedication, and working closely with my mom and I on our first home purchase!! It is people like you that make this journey easier on the home buyer. Thank you to Nick Marenoski, for introducing us to his team and getting us to the experts in this business. Thank you to Danny...
    Leonora & Desanka A., Lodi, NJ