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Scott Koski
VP of Mortgage Lending

As a professional Mortgage lender with 16 years of experience in the industry, I'm well qualified to assist you and your family navigate every step of the home loan process.
When working with clients my philosophy is simple: Provide accurate and timely information in a professional manner to assist you in making the best financial decisions when it comes to a home mortgage.

How I serve you:
As a locally-based Mortgage lender, I'm able to offer and compare multiple mortgage rates and programs for you- saving you time and money, while taking the stress and anxiety out of the process. Our in-house process from start to finish will have you closing your loan in record time!
When you choose to work with me you'll receive:

  1. A home mortgage that meets your needs and goals with competitive rates and fees.
  2. A professional lender who is knowledgeable, responsive, and available to you. From application to closing, I'm your direct contact every step of the way.
  3. A loan process that is as easy, quick, and hassle-free as possible. Your home loan closes on time, as scheduled.

I welcome the opportunity to earn your business. Thank you for your trust!

Scott Koski

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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, 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.