About Keith Zielaskowski
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 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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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 | 6.575% | 6.877% | 0.963 ($3370.50) | $2229.53 |
| 15-year fixed | 5.500% | 5.979% | 1 ($3500.00) | $2859.79 |
| FHA loan | 6.075% | 7.100% | 0.943 ($2878.51) | $1981.62 |
| VA loans | 5.990% | 6.557% | 0.999 ($4081.92) | $2447.14 |
| Jumbo loans | 6.150% | 6.410% | 0.997 ($8973.00) | $5483.05 |
* Rates current as of 4/3/2025 01:34 pm, provided by Keith Zielaskowski, for Berks County, PA, 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 711 Spring St., Wyomissing PA, 19610