Hello and thank you for inquiring about myself and my credentials. Having been a licensed Loan Originator since 2001 and working through the recession, I feel there aren’t many situations I haven’t experienced. And in the lending industry with all the constant changes in plans and regulations, experience matters. No matter what your credit score or income, I can help you find a mortgage that fits your needs. Working for a large lender like Guaranteed Rate gives me the opportunity to provide my clients with a program that’s tailored just for them. Shopping for a mortgage that provides the lowest rate and most favorable terms can be a daunting task for anyone. I personally interview every client up front to help put their mind at ease. Having the latest technology, we can issue a pre-approval within minutes to qualified borrowers. Need advice? Problem situations? Low credit score? Just have questions? No problem. There is always help available and I can guide you in the right direction. My team and I are dedicated to helping you achieve your dreams. Being a spouse of a Marine veteran, I love to work with veterans and all professions that provide public service. I have access to many specialty programs like renovation loans, down payment assistance programs, reverse mortgages, new construction loans, commercial loans and just about any other program that is available. Regina Danikowski and Team!
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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.