Dan Gjeldum
Senior Vice President of Mortgage Lending

Meet my team:

David Dakoske - VP of Mortgage Lending: David and I have been working together for 9 years. He is me, when I am not available. He can answer any and all questions about financing your home and also advise on any part of the mortgage process. 773-654-2036 • david.dakoske@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 will work with you around final figures and coordinating the funds transfer to title. 312-881-4318 lisa.burgos@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 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. 630-869-1071 • stephanie.caliendo@rate.com

Helpful tools and resources
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The Best Mortgage Experience
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First-time homebuyer’s guide
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Loan options

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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.