Ania Kozera
VP of Mortgage Lending/Branch Manager

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.

Helpful tools and resources
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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 and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. 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). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.

One discount points equals one percent of your loan amount.

Some jumbo loan options may not be available to first-time home buyers.

We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.

Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.

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.


If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It 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.

Adjustable Rate Mortgage (ARMs)

Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.