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About Proper Rate

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A different way to buy a home.

Proper Rate is an independent mortgage company offering homebuyers and homeowners personalized lending services through a select team of the most highly experienced and dedicated mortgage professionals in the industry. Powered by one of the nation’s largest mortgage companies, with leading-edge technology and access to the best loan programs and rate structures, you can expect that Proper Rate delivers all of the advantages of a big lender with the hands-on service of a small firm.


To bring you the best possible home loan experience, with the most personalized loan options and lowest rates, as seamlessly and as simply as possible.


From Proper Rate’s industry leading Digital Mortgage, which issues lightning-fast pre-approvals, to FlashClose℠, which simplifies and shortens closing times, we have the tech that gets you home easily and quickly.

Experienced, trusted and local

Proper Rate features a select team of the very best loan officers in the country – experienced mortgage professionals who not only find you the perfect loan at the lowest rate but do so with an unsurpassed emphasis on service.

Traci Anastasia
Executive Vice President of Operations

Traci is a 2nd generation mortgage professional and is truly passionate about homeownership and partnering with customers to work towards their financial goals. With over 25 years in the business and 20 years in management with both Sales and Operations, she strives to provide the most elite experience from point of sale to closing. Proper Rate is an exciting company to be a part of as we have the most top tier professionals, technology, and service. Traci lives in the Chicago suburbs with her fiancée and their blended family of 4 amazing children. In her spare time, she loves being a hands-on mom, cooking for her family, and traveling to new places.
NMLS: 1901699

Dan Moran,
Executive Vice President of Sales

The first time Dan Moran helped a client realize the dream of homeownership, he was hooked on the mortgage business. Two decades later, Moran serves as Proper Rate’s Executive Vice President, where his passion for helping people buy homes comes through in building, supporting and mentoring an elite team of customer-focused loan officers. A big believer in the integration of technology and personal service, Dan loves being a part of a company that puts equal emphasis on leading the industry in both categories. Dan is the father of twins – one boy and one girl. In his free time, he loves to spend time outdoors, angling and snowmobiling.
NMLS: 224423

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Copyright © 2020-2023 Proper Rate, LLC. All rights reserved.

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Equal Housing Lender
Proper Rate NMLS: 1901699 - For licensing information, go to:
1800 W. Larchmont Ave., Suite 301, Chicago, IL 60613

NMLS Consumer Access

Proper Rate NMLS - 1901699

Arizona Mortgage Banker License #1010230

P: 866-755-0679 *not for use by New York borrowers

Texas consumers: How to file a complaint

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Proper Rate, LLC. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.