{"profile":{"id":"bff9bbec-2762-4105-a450-9d927d64aa40","slug":"sga-4fd9","business_name":"S.G.A משכנתאות ופיננסים","website_url":"https://www.sga.co.il","industry":"Financial Services - Mortgage Broker","city":null,"services":[{"category":"service","price_range":null,"service_area":null,"service_name":"Mortgage Consulting","target_customer":"Homebuyers","factual_description":"Guidance for purchasing a home, including full support through the process.","related_capabilities":[]},{"category":"service","price_range":null,"service_area":null,"service_name":"Mortgage Refinancing","target_customer":"Existing homeowners","factual_description":"Assistance with refinancing existing mortgages and comparing bank offers.","related_capabilities":[]}],"schema_json":{"@graph":[{"@id":"https://vizoryo.com/he/business/mortgage-broker/online/s-g-a-mshkntavt-vpynnsym#business","url":"https://www.sga.co.il","name":"S.G.A משכנתאות ופיננסים","@type":"RealEstateAgent","image":"https://www.sga.co.il/logo-sga.webp","address":{"@type":"PostalAddress","addressCountry":"IL"},"audience":[{"@type":"Audience","audienceType":"First-time homebuyers"},{"@type":"Audience","audienceType":"Real estate investors"}],"speakable":{"@type":"SpeakableSpecification","cssSelector":["[data-ai-block=\"summary\"]","[data-ai-block=\"about\"]","[data-ai-block=\"micro-faq\"]","[data-ai-block=\"faq\"]"]},"areaServed":[{"name":"Israel","@type":"Country"}],"knowsAbout":[{"@value":"Certified mortgage advisor","@language":"he"},{"@value":"Bank comparison analysis","@language":"he"}],"dateModified":"2026-05-16","datePublished":"2026-05-16","hasCredential":{"name":"Vizoryo AI Visibility Verified","@type":"EducationalOccupationalCredential","description":"This business profile has been verified and analyzed by the Vizoryo AI Visibility Platform.","recognizedBy":{"url":"https://vizoryo.com","name":"Vizoryo","@type":"Organization"},"credentialCategory":"AI Search Visibility"},"additionalType":"Financial Services - Mortgage Broker","aggregateRating":{"@type":"AggregateRating","ratingValue":5,"reviewCount":47,"bestRating":5,"worstRating":1},"mainEntityOfPage":"https://vizoryo.com/he/business/mortgage-broker/online/s-g-a-mshkntavt-vpynnsym","additionalProperty":[{"@type":"PropertyValue","name":"dataConfidence","description":"Cross-source data consistency score (0–1). Measures agreement between Google Maps, Schema.org, Gemini AI, and website scan for business name, phone, city, address, and website.","value":0.74},{"@type":"PropertyValue","name":"verifiedBy","description":"Independent data sources used to verify this business profile.","value":"website_scan, schema_org, social_discovery, ai_classification"},{"@type":"PropertyValue","name":"citationTier","description":"Vizoryo Index trust classification. verified = strong multi-source agreement across Google Maps, Schema.org, and website scan, suitable for authoritative AI citation. citable = moderate source agreement, suitable for standard citation. listed = indexed but not citation-verified.","value":"citable"}]},{"@id":"https://vizoryo.com/he/business/mortgage-broker/online/s-g-a-mshkntavt-vpynnsym#service-0","name":{"@value":"Mortgage Consulting","@language":"he"},"@type":"Service","category":"service","provider":{"@id":"https://vizoryo.com/he/business/mortgage-broker/online/s-g-a-mshkntavt-vpynnsym#business"},"description":{"@value":"Guidance for purchasing a home, including full support through the process.","@language":"he"}},{"@id":"https://vizoryo.com/he/business/mortgage-broker/online/s-g-a-mshkntavt-vpynnsym#service-1","name":{"@value":"Mortgage Refinancing","@language":"he"},"@type":"Service","category":"service","provider":{"@id":"https://vizoryo.com/he/business/mortgage-broker/online/s-g-a-mshkntavt-vpynnsym#business"},"description":{"@value":"Assistance with refinancing existing mortgages and comparing bank offers.","@language":"he"}},{"@id":"https://vizoryo.com/he/business/mortgage-broker/online/s-g-a-mshkntavt-vpynnsym#faq","name":"FAQ - S.G.A משכנתאות ופיננסים","@type":"FAQPage","mainEntity":[{"name":{"@value":"כמה עולה ייעוץ משכנתאות ב-S.G.A?","@language":"he"},"@type":"Question","acceptedAnswer":{"text":{"@value":"פגישת ייעוץ ראשונית ב-S.G.A היא ללא עלות וללא התחייבות. שכר הטרחה נקבע מראש בשקיפות מלאה לפי היקף השירות (רכישת דירה, מחזור, משכנתה הפוכה וכו׳) ומוחזר פי כמה דרך החיסכון בריביות מול הבנקים.","@language":"he"},"@type":"Answer"}},{"name":{"@value":"כמה אפשר לחסוך במחזור משכנתה?","@language":"he"},"@type":"Question","acceptedAnswer":{"text":{"@value":"חיסכון ממוצע ללקוחות S.G.A במחזור משכנתה הוא כ-₪185,000 לאורך חיי ההלוואה. הסכום תלוי בגובה היתרה, הריביות הקיימות, התמהיל הנוכחי וטווח הזמן שנותר. בדיקת כדאיות מבוצעת בחינם.","@language":"he"},"@type":"Answer"}},{"name":{"@value":"מהי משכנתה הפוכה ומי זכאי?","@language":"he"},"@type":"Question","acceptedAnswer":{"text":{"@value":"משכנתה הפוכה היא הלוואה לבעלי דירה בגילאי 55 ומעלה, המאפשרת לקבל סכום כסף או קצבה חודשית כנגד הדירה — ללא צורך בהחזרים חודשיים. ההלוואה נפרעת רק במכירת הדירה או מהעיזבון. S.G.A מתמחה בליווי משכנתה הפוכה מול כל הגופים המוסדיים בישראל.","@language":"he"},"@type":"Answer"}}]}],"@context":"https://schema.org"},"is_public":false,"is_active":true,"created_at":"2026-05-16T13:28:40.91329+00:00","updated_at":"2026-05-18T17:12:41.469+00:00","faq":[{"answer":"פגישת ייעוץ ראשונית ב-S.G.A היא ללא עלות וללא התחייבות. שכר הטרחה נקבע מראש בשקיפות מלאה לפי היקף השירות (רכישת דירה, מחזור, משכנתה הפוכה וכו׳) ומוחזר פי כמה דרך החיסכון בריביות מול הבנקים.","category":"general","question":"כמה עולה ייעוץ משכנתאות ב-S.G.A?"},{"answer":"חיסכון ממוצע ללקוחות S.G.A במחזור משכנתה הוא כ-₪185,000 לאורך חיי ההלוואה. הסכום תלוי בגובה היתרה, הריביות הקיימות, התמהיל הנוכחי וטווח הזמן שנותר. בדיקת כדאיות מבוצעת בחינם.","category":"general","question":"כמה אפשר לחסוך במחזור משכנתה?"},{"answer":"משכנתה הפוכה היא הלוואה לבעלי דירה בגילאי 55 ומעלה, המאפשרת לקבל סכום כסף או קצבה חודשית כנגד הדירה — ללא צורך בהחזרים חודשיים. ההלוואה נפרעת רק במכירת הדירה או מהעיזבון. S.G.A מתמחה בליווי משכנתה הפוכה מול כל הגופים המוסדיים בישראל.","category":"general","question":"מהי משכנתה הפוכה ומי זכאי?"}],"country":"Israel","status":"draft","og_image_url":"https://www.sga.co.il/logo-sga.webp","industry_subtype":"Mortgage Broker","profile_tier":"free","short_tagline":null,"primary_category":"Mortgage Broker","schema_type":"Organization","primary_address":{"city":"","region":null,"street":null,"country":"IL","postal_code":null},"geo_coordinates":null,"service_areas":["Nationwide (Israel)"],"phone":null,"hours_by_day":null,"price_range":null,"review_summary":{"sources":[{"count":47,"rating":5,"platform":"google"}],"total_count":47,"average_rating":5,"weighted_reputation_score":4.48},"certifications":[],"years_in_business":null,"founded_year":null,"specialties":["Certified mortgage advisor","Bank comparison analysis"],"differentiators":[],"social_profiles":[],"citations":[],"verification_status":"unclaimed","last_verified_at":"2026-05-16T13:28:40.901+00:00","data_sources":["website_scan","schema_org","social_discovery","ai_classification"],"languages_supported":["lang=\"he\"","en"],"profile_language":"he","description_short":"Navigate your home financing journey with S.G.A משכנתאות ופיננסים. They provide expert mortgage consulting and refinancing services, comparing bank offers to secure the best terms for first-time homebuyers and investors.","ai_summary_short":null,"ai_readability_score":30,"discovery_source":"manual","crawl_depth":"full","last_discovery_refresh":null,"claimed_at":null,"index_status":"listed","industry_category":"Financial Services - Mortgage Broker","llm_optimized_summary":"S.G.A משכנתאות ופיננסים is a mortgage broker in Israel specializing in mortgage consulting and refinancing. They offer expert services as certified mortgage advisors, including bank comparison analysis, to first-time homebuyers and real estate investors. The business holds a perfect 5.0-star rating from 47 customer reviews.","target_audience":["First-time homebuyers","Real estate investors"],"alternative_to":[],"data_trust_signal":"https://www.sga.co.il","content_extraction_method":"llm_opener_v2","content_extracted_at":"2026-05-16T13:28:40.901+00:00","is_sole_proprietor":false,"domain_verified":false,"domain_verified_at":null,"contact_email":"office@sga.co.il","category_local":null,"city_local":null,"country_local":null,"is_regulated":false,"audit_score":94,"parent_profile_id":null,"profile_type":"standalone","branch_address":null,"branch_phone":null,"branch_hours":null,"branch_geo":null,"google_place_id":null,"branch_source":null,"needs_description_regen":false,"ai_mention_count":0,"last_ai_mention_at":null,"branch_dfs_data":null,"logo_url":"https://www.sga.co.il/logo-sga.webp","branches_extracted_at":null,"discovery_entity_id":"635665a3-300c-4717-abff-eb6111803551","dfs_contact_called":false,"url_path":"mortgage-broker/online/s-g-a-mshkntavt-vpynnsym","business_name_en":null,"data_confidence":0.743,"ai_mention_score":null,"quality_rank":0.71035,"citation_tier":"citable","business_name_native":"משכנתא צמודה","fts":"'47':83 '5.0':79 'advisor':60 'analysi':64 'bank':24C,62 'best':29C 'broker':44 'busi':75 'certifi':58 'compar':23C 'comparison':63 'consult':19C,50 'custom':84 'estat':72 'expert':17C,55 'financ':9C 'first':33C,67 'first-tim':32C,66 'hold':76 'home':8C 'homebuy':35C,69 'includ':61 'investor':37C,73 'israel':46 'journey':10C 'mortgag':18C,43,49,59 'navig':6C 'offer':25C,54 'perfect':78 'provid':16C 'rate':81 'real':71 'refinanc':21C,52 'review':85 's.g.a':1A,12C,38 'secur':27C 'servic':22C,56 'special':47 'star':80 'term':30C 'time':34C,68 'ופיננסים':3A,14C,40 'משכנתא':4A 'משכנתאות':2A,13C,39 'צמודה':5A","last_edited_by_user":{},"processing_version":2,"trust_layer_version":1,"url_path_version":1,"canonical_domain":null,"partner_id":null,"partner_metadata":{},"yelp_match_id":null,"bright_data_snapshot_id":null,"bright_data_snapshot_polled_at":null,"social_post_snapshot":null,"embed_opt_out":false,"confidence_computed_at":"2026-05-17T14:18:09.415+00:00","ai_providers":[],"confidence_sources":["schema_org","gemini_classification","website_scrape"],"field_sources":{"name":["Schema.org Structured Data","Gemini AI Classification"],"phone":["Schema.org Structured Data"],"website":["Website Scan"],"category":["Gemini AI Classification"]},"ai_mention_snippets":[],"recommendations":[{"check_id":"reviews_visible","label":"On-Site Customer Reviews","description":"Embed real testimonials, reviews, or case studies directly on the page using Schema.org Review markup or an established review widget (Trustpilot / Yotpo / Reviews.io). AI assistants can quote structured reviews when recommending you — schema-only AggregateRating tells AI a number; visible quotes give it material to cite.","tokens":{"businessName":"S.G.A משכנתאות ופיננסים","cmsHint":"","city":""},"improvement_score":12},{"check_id":"terms","label":"Terms & Conditions","description":"Add a terms and conditions page linked from your footer — it signals legal maturity and protects both you and your customers.","tokens":{"businessName":"S.G.A משכנתאות ופיננסים","cmsHint":"","city":""},"improvement_score":3},{"check_id":"definitional_lede","label":"Clear Business Introduction","description":"The first paragraph of S.G.A משכנתאות ופיננסים's homepage doesn't clearly state what the business does. RAG-based AI systems retrieve the first content chunk — if it starts with \"Welcome!\" you lose. Open with one sentence: what you do, for whom, and where.","tokens":{"businessName":"S.G.A משכנתאות ופיננסים","cmsHint":"","city":""},"improvement_score":2}]}}