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Company Information





411 Hackensack Ave Suite 104
Hackensack, NJ, 07601

(888) 562 – 2611

Senior Executives

Michael Sema Founder & CEO

Nick Marenoski Executive Vice President

Originally founded as Amber Sky Home Mortgage LLC, the company changed its name to Get A Rate in 2015. It currently operates as a Direct Lending Institution in New Jersey and as a Mortgage Broker in New York State. Get A Rate has funded over $1 billion in home loans and has consistently earned an A+ rating with the BBB since 2012.

Get A Rate LLC is an FHA approved lender who also offers a variety of loan products and programs including VA Loans, USDA Loans, Jumbo Loans, HARP, Reverse Mortgages, No PMI, HomePath, FHA 203K, FHA Streamline, Fixed Rate and Adjustable Rate Mortgages.

The company’s mission is to protect, educate and empower homebuyers and owners to achieve their home loan goals while delivering superior customer service throughout the entire process.

Headshot And Bio

Michael Sema CEO of Get A Rate

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.

After gaining invaluable knowledge and experience, in 2012 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 vision as the President of Get a Rate has adapted over the years yielding to consumer behavior where the customer can “get a rate” at their convenience any time, 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.