I speak Polish / Mówię po polsku

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Ania Kozera
VP of Mortgage Lending/Branch Manager

Mówię po polsku!
Ania Kozera is SVP of Mortgage Lending and Branch Manager for Guaranteed Rate located in Des Plaines, IL. Since 2002, Ania has been perfecting her skillset in the mortgage industry. Year after year Ania has earned The Five Star Professional award for customer service voted on by past clients, and she is a top ranked Scotsman Guide Mortgage Producer for volume. Ania's passion to serve her clients with unparalleled service has brought her to partner with Guaranteed Rate, a top national retail lender with the tools and values that focuses on the client's dream of home ownership.

When you work with Ania here is the service you can expect to receive:

● You as the client will always be put first!

● Low, low rates

● Streamlined process

● Your mortgage, your way, anytime, anywhere!

In 1999 Ania came to the U.S.A. from Poland to chase the American dream. She came to America with very little, but being raised in a military family gave her the discipline she needed to stay focused on her goals. In 2002 a friend introduced her to mortgage lending, and despite being a woman in a male dominated industry, she has proven year after year that with drive, discipline and passion she has achieved her American dream.

Outside of work Ania's passion is her family and traveling. When she is not working Ania is exploring exotic destinations with her son and daughter. Her favorite destination will always be the mountains of southern Poland where her family and heart is. Ania also has a desire to be an inspiration to other women young and old by sharing her success story in the hopes they also will dream big and succeed.

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Areas served
  • Wisconsin, USA
  • Pennsylvania, USA
  • California, USA
  • Rosemont, IL 60018, USA
  • Texas, USA
  • Florida, USA
  • Des Plaines, IL, USA
  • Illinois, USA
Services offered
  • Fixed Rate Mortgages
  • Jumbo Loans
  • USDA Loans
  • VA Loans
  • Mortgage Refinancing
  • Adjustable Rate Mortgage (ARM)
  • Conventional Loans
  • FHA Loan
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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.