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Keith Zielaskowski
VP of Mortgage Lending

I have my mother to thank for my 30-plus years in the mortgage business. After I graduated from Widener University with a double major in Finance and Business Management in 1986, I landed a job in the commercial loan sector. I was quite good at it, but I was serving people across the entire country and felt a lack of personal connection with my customers. I eventually decided to get my Series 6, Series 7, and Life Insurance licenses and began working for a financial planner. My mother enters my career path story shortly thereafter. She called to tell me that a real estate broker was hosting a presentation at the local Sheraton. I said, "Mom, I don't do real estate or mortgages." Her response? "I know, but they have free food and drink!" Sold. That will get a young guy to the party. At that function, I met the Branch Manager who set up an interview and I was hired less than two weeks later. And so began my mortgage career. In 1989, I opened my own mortgage company. I was a broker with a warehouse line, and I employed 28 people who originated, closed and funded. After more than 20 years, I realized that I once again felt disconnected from my customers. I was spending my time as a manager instead of a loan originator. I wanted to return to my passion for helping people get into their new homes and knew I needed to step away from managing staff. This led me to leave the broker world and begin working for a mortgage banker. After several years, I found myself looking for sweeping change. I wanted nothing less than AMAZING for my customers and my own personal growth. This led me to make the move to Guaranteed Rate. I am now part of a team that makes the best use of today’s technology, has an incomparable support system, and is constantly striving to improve the mortgage experience.

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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.