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About Proper Rate

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A different way to buy a home.

Proper Rate is a new 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.

OUR PROMISE

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.

OUR TECHNOLOGY

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.

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 vice president of sales, 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 is excited to be 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

Adam Kamarat,
Executive Vice President of Operations

A former high school teacher and home builder, Adam is passionate about engaging in the building process. “Having the opportunity to collaborate with so many talented people is both energizing and humbling at the same time. Proper Rate is going to be something special and it’s an honor to have been invited to be part of it.”

In addition to his experience running both Sales and Operations within multiple organizations, Adam was a President’s Club originator with Guaranteed Rate. Because of that, he views Operations somewhat non-traditionally. “I’m able to see Ops through the lens of the front-line Originator. I believe empathy for what they face on the street gives me insight that helps foster a ‘Sales-in-conjunction-with-Ops’ perspective as opposed to the ‘Sales vs. Ops’ mentality that unfortunately is so prevalent in our industry.”

A devoted husband and father, Adam lives in the Western Suburbs of Chicago with his wife of 24 years and their two kids.
NMLS: 206071

Find a loan officer for your area

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

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Equal Housing Lender
Proper Rate NMLS: 1901699
1800 W. Larchmont Ave., Suite 301, Chicago, IL 60613

NMLS Consumer Access

Proper Rate NMLS - 1901699

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.