What People Are Saying

 
Great Company! Was referred to Edwin Arocho, Sr. Home Loan Advisor and Get A Rate, LLC through my realtor and couldn't have asked for a better team. Edwin showed me all the loan options that I had as a borrower and explained all the pros and cons on each loan. I enjoyed the transparency and having the ability to choose my own Mortgage package. At first glance, you can tell that Edwin is very experienced and competent. But that's not all, when seller wanted closing 2 weeks earlier than contracted, the Get A Rate, LLC team rose up to the challenge and made it happen with no issues. I highly recommend Edwin and Get A Rate to any home buyer considering a mortgage. Thanks for all your help!
Luis P. Paterson, NJ
I will like to take a moment and JUST TELL YOU thankful I am. Thank you for helping me. I couldn’t have done it without you. YAY!!!!!!!!!! YAY!!!!!!!!!!!!!!!!! Thank you very much !!!!!!!!!!God bless you EDWIN!
Yissel M. Paterson, NJ
I had such a great experience at Get a Rate. It was my first time buying a home and Ray Sewnath really helped me understand the process. He really took the time to sit down and explain every step of the home buying process and what would benefit me. I trusted him completely and now I am a home owner and the process of everything went smoothly.
Catherine N. Little Ferry, NJ
I would like to take this opportunity to express my gratitude to GET A RATE, and in particular Joe Sargenti, for helping us get our mortgage for our new home. Joe got us started in the initial stages of the process, and then stayed involved all the way to the end and beyond, well past the point when he could have said "my part is done". He was always ready to help and answer our questions on the phone or in person. Joe worked tirelessly and never acted annoyed with our many questions. I would recommend Joe Sargenti and GET A RATE to anyone seeking a fair and smooth mortgage process with great customer service.
Cliff & Carol A. Galloway, 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
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 I couldn’t get a hold of Kelly. She always made herself available and was able to answer all my questions and put my concerns at ease.

You can tell she truly loves what she does and she is good at it. It is hard to find excellent employees these days but you definitely have one with Kelly. She represents your company very well.
John N. Wayne, 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. #agathaandgene #ourhome #together #ourlife #ourownfamily #tothenextchapter #donperignon #wefancy
Agatha P. Saddle Brook, NJ
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 professional. Initially, I had my doubts. I did not know this company. I figured that if Wells Fargo could not offer me a great deal, how could this company. I called Kelly on numerous occasion, wrote several emails and researched this company. I was never pressured. Kelly always was polite and professional. My monthly payment now is $1900 per month less. My only regret is that I allowed my doubt to delay my applying for this loan. I highly recommend this company. I thank Kelly for all the hard work and professionalism. This monthly reduction in my mortgage has helped my family tremendously. Thank you Kelly and Get A Rate for helping us.
Chantal S. Wayne, 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 of America, Valley National, TD North, etc.) that they could not assist us. Well, I contacted Scott immediately. From the first call he was professional, knowledgeable and understanding. At the end of our conversation he actually said “I think we can help you.” Scott guided us each step of the way. The turnaround time was incredibly fast and the process was smooth. He kept us informed each step of the way. I am thankful to Get A Rate for having the resources available to homeowners like us and the staff who is so remarkably talented. Scott is a true asset to your company, which I am sure you already must know. Please know that we have shared our experience with several friends and family members and advised them to contact Scott at Get A Rate for any services they may require. Thank you all so very much.
Christine S. Clifton, NJ
Getarate.com Reviews
4.9
Out of 5.0
Overall Rating
based on 172 ratings and reviews.
98%
of customers that buy
from this merchant give
them a 4 or 5-Star rating.
by (NJ, United States)
“It was the easiest home loan discussion and process that I had ever experienced. Kelly and Jen and the entire getArate team were very helpful, patient and guided us through each step of the process. Kelly was able to lock in a very competitive rate for us!<br>All in all, a great experience!<br><br>LS”
by (NJ, United States)
“My overall l experience with Get A Rate was great. Scott is very knowledgable and helped us find a program that allowed us to purchase our first home. Jan was so patient during a time that was extremely stressful abs nerve wrecking. I would highly recommend Get A Rate and would work with them again!”
by (FL, United States)
“From the initial application to closing, Get-A-Rate performed like I was dealing with a trusted friend. Professional and polite, always returning my call or email in a timely manner, Nick and Jan were exceptional. I bought a house in 2017 using a different well known Veterans mortgage company, and Get-A-Rate outperformed them on EVERY level making 2018's closing the easiest I have ever had. I would highly recommend them to anyone (and I have to both my son-in-law and my brother-in-law). Thanks again Nick and Jan, I wouldn't be enjoying my home without your knowledge and expertise!”
by (NJ, United States)
“We had the best experience with Get a Rate. Greg made the process of buying our first home so easy and pleasant. He answered our calls and texts very quickly and went above and beyond with everything. Lisa was also really helpful in moving the process along. Thanks Get a Rate!!”
by (NJ, United States)
“Buying a home can be an extremely stressful experience, however when you have a mortgage company that is constantly looking out for your overall well being both financially and personally it makes the process much more enjoyable. I purchased my home from sellers that exhibited REVOLTING behavior throughout the entire process. My closing was delayed for ninety-eight days due to the seller's inability to fix items that the town inspectors demanded to have repaired. The tasks were relatively simple, however the seller was cheap and hired contractors that were not completing the jobs accordingly. It was a very stressful, expensive and frustrating three months. That being said, the one constant light I held on to was that GET-A-RATE always was looking out FOR ME. <br><br>My first point of contact was Greg Marsh. All I can say is that I am forever grateful to Greg and his entire team. Greg, helped me every step of the way with the entire loan process. He was professional, thorough and courteous. He explained everything to me in detail and the entire process moved efficiently and smoothly. Lisa and Debbie were both professional, meticulous and efficient. Everyone at GET-A-RATE is considerate and experienced. <br><br>If you are shopping around for a mortgage company your search has just ended. If you are looking for honesty, reliability, efficiency and experience use GET-A-RATE Mortgage. They will stick with you from start to finish. The people in this company are true to their word and they always have your back. <br><br>From the bottom of my heart, THANK YOU for everything.”
by (NY, United States)
“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.”
© 2020. Get A Rate LLC. All Rights Reserved

NMLS #907795 Licensed Residential Mortgage Lender in CA, WA, GA, TX, PA, CT, FL, SC and NJ (by the NJ Department of Banking and Insurance). Equal Housing Opportunity Lender. When and if acting as a broker, Get A Rate will not make commitments or fund mortgage loans. Registered NY Mortgage Broker. All NY mortgage loans are arranged with third party lenders - Get A Rate LLC does not directly offer or guarantee NY interest rates or loan programs and does not directly issue commitments or make final decisions on loan terms. Authorized website by the New York State Department of Financial Services.

Get A Rate LLC is an FHA Approved Direct Lending Institution, and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. These programs are not a commitment to lend and program guidelines are subject to change.

Additional Disclosures

Rates as of 12/5/20. Recently advertised rates are subject to change without notice. Advertised rates are based on an owner-occupied, single-family, residential properties, a credit score over 760, 75% LTV purchase/rate term, the debt-to-income ratio is less than 36%, and an escrow account for the payment of taxes and insurance.

If LTV > 80%, PMI will be added to your monthly mortgage payment on conventional loans. FHA Loans will always have upfront MIP as well as annual MIP added. Military/VA loans will require a VA Funding Fee unless otherwise exempted.

An advertised rate is not guaranteed and does not constitute an approval. Actual payments will vary based on your individual situation and current rates. Not all applicants will be approved. Minimum credit score requirements apply. The lock period for your rate is 30 days. Fees and charges may apply.

Full documentation, acceptable properties, insurance, and additional underwriting is required. Loans are secured by liens against real property. Terms, conditions, and restrictions apply. NY Loans are arranged through third parties. Lending services may not be available in all areas.

Please remember that we don’t have all your information. Therefore, the rate and payment results you see from this calculator may not reflect your actual situation. Get A Rate offers a wide variety of loan options. You may still qualify for a loan even if your situation doesn’t match our assumptions. To get more accurate and personalized results, please call to talk to one of our mortgage experts.

Calculations computed by Get A Rate Rent vs. Buy and Affordability calculators are estimations. Get A Rate is not an accounting firm or financial advisor. Please consult a tax professional and/or financial advisor for more accurate information.