• Getarate

Getarate

Overview

Getarate has a rating of 4.9 stars from 172 reviews, indicating that most customers are generally satisfied with their purchases. Reviewers satisfied with Getarate most frequently mention real estate, great experience, and pre approval. Getarate ranks 3rd among Mortgages sites.

What reviewers want you to know

Positive highlights

  • Jose Munoz was a pleasure to work with, very professsional.

Critical highlights

No critical highlights yet

How would you rate Getarate?
Top Positive Review

“Thanks to Jose Munoz, this home buying experience could...”

Jim D.
5/26/17

Thanks to Jose Munoz, this home buying experience could not have been more pleasant. Jose's transparency and knowledge with navigating the loan process put to rest any anxiety and trepidation I had entering the purchase process. He set expectations and got out in front of everything related to document and information gathering etc so we we were not surprised by anything that may have arisen. Would recommend Jose in instant.

Reviews (172)

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jose munoz (17)

Reviews from Related Businesses

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Jim D.
10 reviews
1 helpful vote
May 26th, 2017
Verified purchase

Thanks to Jose Munoz, this home buying experience could not have been more pleasant. Jose's transparency and knowledge with navigating the loan process put to rest any anxiety and trepidation I had entering the purchase process. He set expectations and got out in front of everything related to document and information gathering etc so we we were not surprised by anything that may have arisen. Would recommend Jose in instant.

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Robert R.
1 review
0 helpful votes
May 27th, 2017
Verified purchase

Awesome Experience!!
Jose Munoz, our loan originator, did an amazing job at communicating all the intricacies of our loan. This was our first home and we had a lot of inquiries. He was available 24/7 for any questions. He explained kindly every time updating the current situation. Due to his professionalism and knowledge, we got a lower rate and closed within less than 30 days!! I would highly recommend Get A Rate and Jose to my friends and everyone! Thank you, Jose, you are awesome!!

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Linda S.
1 review
0 helpful votes
May 25th, 2017
Verified purchase

Get A Rate and Jose Munoz have been very helpful with my home buying process. From start to finish, Jose made the process very simple, fast and comfortable. I never felt "in the dark" about the status of my loan or any other details due to his great communication and attention to detail. Jose was available anytime I needed him and happy to help. His ability to get the lowest possible rate while closing in time speaks volumes about his years of experience in this industry and true professionalism!

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GERALYN F.
1 review
1 helpful vote
October 22nd, 2015
Verified purchase

Getarate was incredibly helpful, reliable, and indispensable in my overall mortgage process. Jose Munoz is a very dedicated and efficient broker always providing accurate and precise information when requested. His understanding and knowledge of the mortgage industry is evident. From the beginning of the process he estimates with certainty the loan amount you would get approved for with no future surprises. I would definitely recommend Jose to anyone interested in getting great mortgage service and excellent interest rates.

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Ironside O.
1 review
0 helpful votes
December 15th, 2015
Verified purchase

Impressive professional services. Very responsive and accurate. It is not only about getting the mortgage approved but they walk you thru the process in a way that you understand the process and its implication. They take the time to taylor the mortgage to the best rate available. In summary, astonishing service, I recommend them without any hesitation. This is a honest and sincerely testimony.

Joseph Sargenti is extremely competent and a people oriented person.

Ironside and Wendy Ortega

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Jesse N.
1 review
0 helpful votes
May 26th, 2017
Verified purchase

Knowledgeable, Honest and Trustworthy

I have been working with Jose Munoz for over a year now and have nothing but great things to say about him. Jose not only always gets the mortgage process done in a timely manner but educates my clients so that they thoroughly understand each process of the loan. From the initial meeting to the closing table you will be kept up to date with both the finance and real estate sides of a deal. I highly recommend Jose Munoz for all your Home loan and approval needs.

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Matt C.
7 reviews
3 helpful votes
October 7th, 2015
Verified purchase

Kelly at Getarate was awesome! She was so helpful and patient when helping me secure my first home mortgage. She did in fact get me the best rate I could find. I also went back to her for an FHA Streamline and the process was painless. Everyone in the office is super nice and on top of things. Would definitely recommend them!

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John R.
28 reviews
2 helpful votes
October 9th, 2015
Verified purchase

Nick and Danny were honest and thorough throughout every step of our mortgage! Any questions we had, they were available to answer them around the clock. The float down also gave us the best possible rate shortly before our closing. In sum, we were extremely pleased with all of their time and effort to make this special transition in our life possible!

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Alex T.
1 review
0 helpful votes
October 22nd, 2015
Verified purchase

Jose Munoz of Get a Rate helped me with two mortgages - one for my current residence and one for an investment property. Both transactions went through very smoothly and faster than anticipated. I am currently in the process of purchasing another investment property and reached out to Jose without hesitation. He is definitely an extremely valuable resource to have when buying a house.

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Caroline C.
3 reviews
0 helpful votes
June 21st, 2018
Verified purchase

I am a local Real Estate agent and I always recommend my clients to use Get A Rate. They are fantastic. I highly recommend anyone looking for a loan to call Greg Marsh. He is always available to take my calls and extremely knowledgeable of the mortgage process and his explanations are always thorough and clear. He'll be the first and only recommendation I have to any friends or family looking to purchase a home! I cant say enough about Greg and Get A Rate.

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Theresa S.
1 review
0 helpful votes
October 23rd, 2015
Verified purchase

Dealt with Kelly L. and she was fantastic to work with. So professional! Excellent response time, crunched numbers for me to explain my options and answered all my questions. Really knows what she is doing. Such a difference from other mortgage brokers. Recommended her to several friends and family already.

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Lauren F.
1 review
0 helpful votes
December 24th, 2015
Verified purchase

Nick was so wonderful. He was always available for any questions I had Whether I emailed or texted him I would get a quick response. Danny and Tiana were also very helpful. Everyone involved made this a much less overwhelming experience for us. Thank you!!! I will definitely be recommending this company to people that need to get a mortgage.

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Vladimir S.
1 review
0 helpful votes
October 7th, 2015
Verified purchase

I have wonderful experience with this people. One more time I would say thank you so much. Thank's to your knowledge, professionalism and desire to help today we live our dream, our new house. From the beginning when Mr. Michael Sema explain us the all process for baying the house until now when in same process Mrs. Kelly Limbevski walked with us step by step to the very end, and made this process for us to be more easy, simple and not frustrating. They give us very high quality of service, very acceptable conditions and rate.
Thank you,
Sakov Family.

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Francis A.
2 reviews
0 helpful votes
October 7th, 2015
Verified purchase

Mr. Joseph Sargenti is one of the most experience home mortgage and loan offices I have ever met. With Joseph's help he cut my mortgage payments in half. With a great rate and lower closing fees and hands on communication with him when ever a question came up is a rare quality in the market field today. I have recommended Joseph to a few people and one of them has just completed a mortgage with him and has thank me for recommending Mr. Sergenti. Joseph knows his job and he is a person who will take time to explain everything step by step. Outstanding job, Thank You

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William S.
1 review
0 helpful votes
January 31st, 2017
Verified purchase

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.

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Tommy M.
2 reviews
1 helpful vote
May 25th, 2017
Verified purchase

I had the pleasure of working with Joe Sargenti, and he was simply amazing to work with. He made the process of buying a home very easy and comfortable. His in depth explanation and breakdown of the process really helped all parties involved in the process. He is very dedicated and committed to making the process go as smooth and easy as possible. I highly recommend using Joe for any of your homebuying needs!

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Raquel C.
1 review
0 helpful votes
November 2nd, 2015
Verified purchase

As first time home buyer, I truly was impressed with this lender. Jose from Getarate was very helpful throughout the entire process and answered all of my questions. I would definitely tell potential buyers to call Getarate if want to own a home.

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Sharon G.
1 review
0 helpful votes
December 16th, 2015
Verified purchase

Get a rate is truly awesome! !!!! Nick Marenoski and Daniel Valencia we extremely professional and knows their job. Will recommend them always.

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Heather H.
6 reviews
1 helpful vote
January 19th, 2016
Verified purchase

I've heard rumors that home buying can be very stressful. Get-A-Rate made the process of buying our first home easy. I would absolutely recommend them.

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Ivania B.
1 review
0 helpful votes
October 12th, 2015
Verified purchase

Talk about getting the job done! Daniel Valencia is the epitome of a hard working professional. I told him what I wanted and he went above and beyond to make sure it happened. Not only did I ask a million questions that he always had the answers to but he made sure that there where no gaps or reason for me to further question any step. I can say this free and clear that this is the first time I have ever heard of a VA loan closing in 30 days so I tip my hat to you sir. Thank you for making this such an exciting and gratifying experience for me. I recommend a million times especially for all of my veteran counter parts. He is now Veteran approved!

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Colleen a.
1 review
0 helpful votes
November 13th, 2018
Verified purchase

My husband and I are so thankful we were introduced to Get a Rate by an acquaintance. Nick and his employees gave us straight forward answers to help guide us in the mortgage process and it made all the difference for us to know when finding our home. Thank you so much!!!

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Sandra N.
5 reviews
0 helpful votes
May 25th, 2017
Verified purchase

Jose Munoz was our loan originator. He is a top notch professional with mortgage expertise and knowledge. His thorough understanding of the business made our home purchase a seamless process. I highly recommend Jose!

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hristina s.
1 review
0 helpful votes
October 23rd, 2015
Verified purchase

my experience with get a rate was very pleasant . for a first time homebuyer I was guided by Kelly so everything went smoothly. thank you !!!

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Tim m.
1 review
0 helpful votes
November 7th, 2016
Verified purchase

As a first time home byers,we really didn't know much of all how it goes,and what we need.
We were lucky clients,to meet with Joe Sargenty.
We're pleasant,professional, reliable,always available,we will strongly recommend him to our friends and family and everybody who is interested in home bing loan.

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Courtney A.
2 reviews
0 helpful votes
June 1st, 2017
Verified purchase

Jose Munoz did a fantastic job helping me and my husband with our mortgage. He made the process really easy and took plenty of time to explain everything to us. He is very trustworthy and friendly. We are recommending him to all our friends!!

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From the business

Get A Rate is a new kind of mortgage company taking a fresh approach to lending and client relationships.

From digital solutions to transparent services, we're all about helping our clients achieve the highest level of success when it comes to personal accomplishments and home ownership.

We rebuilt our process from the ground up to eliminate outdated systems and unnecessary fees so we could operate at a fraction of the cost and pass those savings on to you.

Whether they’re looking to buy a home or refinance a loan, Get A Rate works to empower our clients in accomplishing their goals and dreams.

Business History

Established in 2012

Company Representative

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Michael S.
CEO
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.

Sema has held several positions at larger mortgage lending institutions, including day-to-day operations,
Marketing, and technology. After gaining invaluable knowledge and experience, in 2014 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 impressive track record and experience overseeing the Company’s mortgage operations is invaluable.
Michael’s vision as the CEO of Get a Rate has adapted over the years, yielding to consumer behavior where the
Customer can “get a rate” at their convenience anytime, 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.

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