Leading a New Era of Lending

About Us
Get A Rate began in 2012 with the mission to protect, educate, and empower a new generation of homeowners. Our journey started by changing the way lending worked from the ground up by implementing cutting-edge technology, eliminating outdated systems, removing the in-between commissioned salespeople and cutting out unnecessary fees. By operating at a fraction of the cost, we've figured out a way to pass those savings on to you. Welcome to a new era of homeownership that saves you time and money.
Our fundamental belief in living a better life has given us purpose to transform and innovate a flawed and dated industry. By eliminating extrinsic motivating factors and providing honest, un-incentivized advice, we’ve figured out a way to not only educate but empower our clients in making the right decision. Our fully transparent website offers robust tools and resources that finally reveal how much home someone should buy, not can buy. Get A Rate's vision is to elevate the banking industry benchmark by servicing, supporting and protecting consumers with a new standard of ethical lending. Remember, pride of homeownership should never be at the cost of sacrificing happiness.
Michael Sema
CEO of Get A Rate
Our Difference
Salaried Advisors
Non-commissioned means you’ll get honest, non-incentivized advice about your mortgage.
A True Affordability Calculator
Get a full picture of affordability because we include the things you may forget—property taxes, income taxes and daily expenses.
Accurate Rate Quotes
Our home loan advisors don't just pull your credit, they check all of the relevant documentation: pay stubs, bank statements, and more. We go the extra mile to ensure a true, accurate rate.
Underwritten Pre-Approval in 30 Mins
We have 100% internal control, so you can get pre-approved in minutes instead of hours. Start shopping for your new home sooner.
Our Process

Asking the right questions and understanding your goals, needs and circumstances.


Involving you in the planning process to ensure you are protected from the unexpected.


Ensuring a truly stress-free closing experience by triple-checking everything.

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