About Dave Danikowski & Mortgage Team
David J. Danikowski is a Loan Officer and a member of the Regina Danikowski Mortgage Team at Rate. Having been in the customer service industry and running his own business for 30 years, becoming a member of the Danikowski Team that emphasizes superb customer service was a natural fit. Dave and The Danikowski Team bring years of experience to each and every loan he originates. He works side by side with Regina Danikowski who has been with the company since 2011 and has been in the mortgage industry since 2001 helping her clients pave the way to success.
Dave utilizes all of the innovative tools and cutting-edge technology Rate has to offer. His first step in making the whole mortgage process smooth and painless for each client he interviews is having them start their application with Rate’s user-friendly Digital Mortgage application. With tools such as easy snapshot and upload technology for submitting documents, having the ability to do fast and efficient hybrid closings, or just being able to easily contact Dave through-out the whole process to answer your questions, it all makes for a pleasant mortgage process. Not up to date with technology? He can walk you through the process the “old fashion” way as well.
Dave is also a Marine Corps veteran and is passionate about helping veterans get into the home of their dreams. As a loan officer with Rate, he can originate conventional loans as well as FHA, VA, USDA and Jumbo loans. He also has access to specialty programs that assist first time homebuyers like down payment assistance and low down payment options as well as being able to help clients with low credit scores. First-time homebuyer? Seasoned homebuyer? Investment or second home homebuyer? Refinancing? Dave has you covered. But even more important, with Dave and the Danikowski Team along with Rate, you have a winning formula on your side.
Applicant subject to credit and underwriting approval.
Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Rate for current rates and for more information.
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 | 6.625% | 6.916% | 0.986 ($3451.00) | $2241.09 |
| 15-year fixed | 5.750% | 6.130% | 0.796 ($2786.00) | $2906.44 |
| FHA loan | 6.175% | 7.182% | 0.967 ($2951.77) | $2001.37 |
| VA loans | 6.124% | 6.643% | 0.882 ($3603.86) | $2482.43 |
| Jumbo loans | 6.350% | 6.562% | 0.906 ($8154.00) | $5600.12 |
* Rates current as of 3/26/2025 09:42 am, provided by Dave Danikowski, for Berrien County, MI, 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 717 Ship Street, Saint Joseph MI, 49085