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A Simpler & Better Way To Mortgage
Simple, 100% Online

Simply apply anytime and from anywhere through our online mortgage process in minutes.

Instant Rate Quotes

We believe in transparent and honest rate quotes. No hidden fees and no bait-and-switch.

We Shop, You save

Our tech searches through thousands of rates/programs from top banks and Investors so you can compare and save.

Team of experts

Have questions? Great! We have answers. Our team is here to help make getting a mortgage easy.

Check our process
Tell Us What Your Goal Is, Customize Your Loan and Pick A Rate

The first step is picking a loan type. With our instant online rates page, you’ll be able to customize your loan scenario and search loan programs and interest rates in seconds.

Apply Online In Minutes

Our secure online digital mortgage will help you apply and verify your income, assets and credit in minutes. Our team of Home Loan Experts are also available by phone.

Submit Your Loan Application

Once you’ve reviewed the loan disclosures and are ready to move forward, we’ll lock in your rate and submit your loan to our processing/underwriting team.

Sign Your Closing Documents

Once your loan is Clear to Close, you can sign the final closing package and start enjoying your new mortgage.

What house can I afford?

The Affordability Calculator is one of the first steps to figuring out what the right mortgage is for you.

Finding your monthly mortgage payment is easy now.

No more complicated equations. It’s simple, plug it in, and our calculator will do the work.

Refinancing Calculator.

Refinancing Calculator is a tool to help you decide whether or not makes sense to refinance your current loan.

The Rent vs. Buy Calculator.

The Rent vs. Buy Calculator is a tool to help you decide whether or not it makes sense to keep on renting, or to purchase a home.

Credit/Points Calculator.

Credit/Points Calculator helps you to make a decision which option saves more amount of money.

Meet Danny!

Danny is a Producing Branch Manager at Get A Rate. Danny is here to help answer any questions you might have about the home loan process and is available when you are by phone, text, or email.

Client Reviews

My wife and I were introduced to Get A Rate by our real estate agents. I spoke first with Michael Sema and was immediately impressed by his integrity. A quality that is rare these days. We then started the mortgage process with Daniel Valencia. Being my third time purchasing a home, I knew that the paperwork would be painful and endless. Danny was kind and helpful and the process didn't take long and wasn't as painful as I was expecting. In fact, we ended closing 2-weeks early and it took half the time it would have taken if we went with a bank or another lender. Integrity. Commitment to their clients. A care for the consumer and not for the bottom line. Thank you Danny, Michael and Get A Rate!

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Todd Elkins

I had a great experience with Amber Sky, especially with our mortgage banker Daniel Valencia. Daniel proved to be efficient, supportive, incredibly knowledgeable, and always professional. Even at times when I was frustrated and difficult, Daniel handled things like a pro always validating my feelings. He was patient and talked us through every step of the way. He kept in constant contact with all those involved giving us clear lists and instructions on what to do next. He always returned phone calls within an appropriate time frame, and emails almost immediately. I would highly recommend Daniel and Amber Sky to friends and family. Thanks Daniel, Loving our new house!

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Evelyn Harper
Our locations

We are available in 12 states!

  • California
  • Florida
  • New Jersey
  • New York
  • Georgia
  • Oregon
  • Washington
  • South Carolina
  • Texas
  • Pennsylvania
  • Connecticut
  • Illinois