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Beth Zamiska
Vice President of Mortgage Lending

WHY BETH ZAMISKA? Beth Zamiska received 100% Customer Satisfaction 5 years in a row! Beth has been in active in the real estate and mortgage industries for over 21 years, first as a real estate agent selling co-ops and condos on the Upper West Side and then, starting in 2001, as a top mortgage broker. After financing two of her family’s own homes in Manhattan, as well as a second home in Bridgehampton, she was drawn to the challenge of finding the perfect mortgage among the many complex offerings. Having financed real estate from both sides of the table, Beth is well-aware of the value a high-performing mortgage broker can bring to what is typically a daunting process and will advocate tirelessly for every client she serves - qualities that have helped build her loyal clientele. Her client list is diverse: first-time homeowners, senior banking executives, and seasoned Manhattan real estate developers all of whom continue to rely on her deep industry knowledge and careful planning which are reflected in her unbroken track record of successful closings. What Beth’s clients seem to appreciate most are the insight and clarity she brings to the process. She considers each client’s circumstances and offers options and guidance throughout the process, clearly outlining the advantages and disadvantages of each loan product under consideration. With Beth’s personalized and transparent approach, it’s no wonder so many customers continue to place their trust in her and recommend her to friends.

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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.

VA

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.