About Ania Kozera
Mówię po polsku!
Ania Kozera is SVP of Mortgage Lending and Branch Manager for Rate located in Des Plaines, IL. Since 2002, Ania has been perfecting her skillset in the mortgage industry. Year after year Ania has earned The Five Star Professional award for customer service voted on by past clients, and she is a top ranked Scotsman Guide Mortgage Producer for volume. Ania's passion to serve her clients with unparalleled service has brought her to partner with Rate, a top national retail lender with the tools and values that focuses on the client's dream of home ownership.
When you work with Ania here is the service you can expect to receive:
● You as the client will always be put first!
● Low, low rates
● Streamlined process
● Your mortgage, your way, anytime, anywhere!
In 1999 Ania came to the U.S.A. from Poland to chase the American dream. She came to America with very little, but being raised in a military family gave her the discipline she needed to stay focused on her goals. In 2002 a friend introduced her to mortgage lending, and despite being a woman in a male dominated industry, she has proven year after year that with drive, discipline and passion she has achieved her American dream.
Outside of work Ania's passion is her family and traveling. When she is not working Ania is exploring exotic destinations with her son and daughter. Her favorite destination will always be the mountains of southern Poland where her family and heart is. Ania also has a desire to be an inspiration to other women young and old by sharing her success story in the hopes they also will dream big and succeed.
The right advice could help you find the right mortgage for you. Let's work together.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.850% | 7.156% | 0.97 ($3395.00) | $2293.41 |
| 15-year fixed | 5.750% | 6.189% | 0.874 ($3059.00) | $2906.44 |
| FHA loan | 6.124% | 7.152% | 0.962 ($2936.51) | $1991.28 |
| VA loans | 6.125% | 6.684% | 0.955 ($3902.13) | $2482.70 |
| Jumbo loans | 6.375% | 6.640% | 0.9 ($8100.00) | $5614.83 |
* Rates current as of 4/7/2025 05:38 pm, provided by Ania Kozera, for Cook County, IL, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
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 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). 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. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 1500 McConnor Pkwy, Suite 700 Office #1 Schaumburg IL, 60173