Meet my team:
David Dakoske - VP of Mortgage Lending: David and I have been working together for over 11 years. He is me when I am not available. He can answer all questions about financing your home and advise on any part of the mortgage process. 773-654-2036 • david.dakoske@rate.com
Martin Duso – VP of Mortgage Lending: Martin has over 12 years over experience in the mortgage industry. He, like David, operates as me when I am not available. He can answer all your questions about the mortgage process and advise on any type of financing for your home.
773-360-0776 .mduso@rate.com
Jennifer Zofkie – Production Manager: Jennifer is my Business Partner and Operations Manager. She quarterbacks the process, manages the team, and will get involved when needed to ensure complete satisfaction throughout your experience with us. 630-364-7593 • jennifer.zofkie@rate.com
Lisa Burgos – Client Concierge: Lisa is involved in the entire process with the team, but she will be involved on the client level at the beginning with document collection/review and then at the end. She ensures you're prepared for closing by sending you an estimated bottom line, confirms your final loan terms via a closing disclosure that will require an electronic signature, and coordinates the delivery of your final figures. 312-881-4318 lisa.burgos@rate.com
Kathy Zajkowski – Elite Mortgage Consultant: Kathy will send you the link to your online portal. She'll work with you in gathering your documentation and the preparation of your loan to be submitted to the underwriter. 773-435-0967 kathyz@rate.com
Stephanie Caliendo – Loan Coordinator: You'll hear from Stephanie once the loan is approved in Underwriting. She'll reach out and give you the next steps in obtaining the final approval, along with requesting any additional documents the underwriter is requesting from you. Stephanie also handles the conclusion of your loan, once final approved, she will confirm your closing with the title company. 630-869-1071 • stephanie.caliendo@rate.com
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| Loan type | Rate | APR | Discount points ($) | Mo. payment |
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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.