Dave Danikowski
AVP of Mortgage Lending

David J. Danikowski is a Loan Officer and a member of the Regina Danikowski Mortgage Team at Guaranteed Rate. Having been in the customer service industry and running his own business for 30 years, becoming a member of the Danikowski Team that emphasizes superb customer service was a natural fit. Dave and The Danikowski Team bring years of experience to each and every loan he originates. He works side by side with Regina Danikowski who has been with the company since 2011 and has been in the mortgage industry since 2001 helping her clients pave the way to success.

Dave utilizes all of the innovative tools and cutting-edge technology Guaranteed Rate has to offer. His first step in making the whole mortgage process smooth and painless for each client he interviews is having them start their application with Guaranteed Rate’s user-friendly Digital Mortgage application. With tools such as easy snapshot and upload technology for submitting documents, having the ability to do fast and efficient hybrid closings, or just being able to easily contact Dave through-out the whole process to answer your questions, it all makes for a pleasant mortgage process. Not up to date with technology? He can walk you through the process the “old fashion” way as well.

Dave is also a Marine Corps veteran and is passionate about helping veterans get into the home of their dreams. As a loan officer with Guaranteed Rate, he can originate conventional loans as well as FHA, VA, USDA and Jumbo loans. He also has access to specialty programs that assist first time homebuyers like down payment assistance and low down payment options as well as being able to help clients with low credit scores. First-time homebuyer? Seasoned homebuyer? Investment or second home homebuyer? Refinancing? Dave has you covered. But even more important, with Dave and the Danikowski Team along with Guaranteed Rate, you have a winning formula on your side.
Applicant subject to credit and underwriting approval.

Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.

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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.