With 20 years of experience in the mortgage industry, I'm committed to making the home-buying journey as smooth and transparent as possible. As a Mortgage Loan Officer at Rate, one of the largest retail mortgage lenders in the U.S., I specialize in guiding both first-time homebuyers and seasoned homeowners through the process. From pre-approval to closing, I'll work closely with you, your realtor, and your attorney to ensure a seamless and harmonious experience. I take pride in providing personalized service that meets your financial needs, and I look forward to helping you achieve your homeownership goals with confidence.


*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. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.*

SVP of Mortgage Lending

Bianca Stone is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Bianca is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Bianca at (630) 869-0011 for more information!

Bianca Stone at Rate (NMLS #444334)

After 19 yrs of working in the mortgage industry, one thing has always remained the same for me.  Take care of the people who take care of you.  This simply philosophy has guided my business and has provide a solid foundation on which it has grown.  The advice my clients receive during a consultation is the same advice I would follow myself under the same circumstances.  1st time buyers have always been the primary source of building my business and are a chance for me to draw on my experience for the benefit of my clients. As we get older we share many of the same concerns.  Whether it is college for our children, caring for an elderly family member or planning for retirement we are here to help.  At Rate I now am able to provide reverse mortgages for those in need.  We have other programs that will allow you to take advantage of a down real estate market to purchase your first investment property.  Your equity in your home can be used to restructure your obligations for a more positive cash flow in retirement.  Everyone’s situation is different.  We will work together to find the right mortgage for your particular needs. If you or anyone you know is in need of any mortgage assistance rest assured I will provide the highest level of service possible.  My business is entirely referral based and a referral to a friend or family member is the greatest compliment I can receive.  Your trust and confidence is greatly appreciated.  Thank you for keeping me in mind when someone you know is in need of mortgage financing assistance.

VP of Mortgage Lending

Tony Piotrowski is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tony is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tony at (847) 686-0431 for more information!

Tony Piotrowski at Rate (NMLS #226115)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Betsy Ahern is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Betsy is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Betsy at (847) 592-9194 for more information!

Betsy Ahern at Rate (NMLS #222899)

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 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!

Regina Danikowski is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Regina is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Regina at (630) 707-7241 for more information!

Regina Danikowski at Rate (NMLS #560041)

John entered into the mortgage industry in 1992. Since then he has originated over $800 million in loans. Over the years John has won many industry related awards. Such as "Loan Officer of the Year", top 1% of production of Loan Officers in the Country and "Top 200" Loan Officer in the Country. John is the former host of his own mortgage related talk show and has contributed articles to industry related national magazines. In addition, John has been hired to speak and train Loan Officers around the country. "I have always loved helping people. The mortgage industry has given me the privilege of helping and serving thousands of families buy a place they can call their very own and also assist thousands to save money by refinancing their existing mortgage."

John Santorineos is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, John is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact John at (847) 592-9215 for more information!

John Santorineos at Rate (NMLS #224511)

Branch Manager

Andre LaCount is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Andre is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Andre at (847) 943-2143 for more information!

Andre LaCount at Rate (NMLS #443192)

A little bit about Lora. We make it easy! Through technology & expertise, we provide you with timely, efficient, customized service. It all starts with the digital mortgage. Apply Online & in as few as 15 minutes, you can check real-time rates, and receive a pre-approval letter. Ask me about our eClose option*! Where applicable, e-closings allow borrowers to complete the entire closing process from the safety of their own home. With 21 years in mortgage lending, I have the experience needed to keep you on track for a successful closing.


* FlashClose eClose is not eligible for all loan types, or investors. Conventional loans only. Eligible for primary, 2nd home and investment properties. Title company restrictions may apply, not eligible for HFA programs. Full eClose is not currently eligible in California, Connecticut, Delaware, Georgia, Maine, Massachusetts, Mississippi, New York, North Carolina, Rhode Island, South Carolina, Vermont, and West Virginia.

Lora Willms is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Lora is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Lora at (262) 649-6805 for more information!

Lora Willms at Rate (NMLS #222026)

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.

VP of Mortgage Lending/Branch Manager

Ania Kozera is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ania is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ania at (847) 268-4141 for more information!

Ania Kozera at Rate (NMLS #228873)

AVP, Mortgage Lending

Alex Berry is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Alex is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Alex at (847) 268-4138 for more information!

Alex Berry at Rate (NMLS #1628048)

Linda has been assisting homeowners in Illinois for over 25 years and is at the top of her profession thanks to her customers and referral partners. Her personalized approach to the mortgage business provides education and guidance throughout the home financing process whether buying or refinancing . Linda's goal is not just to meet every client's expectations; but also, to exceed them.


Let Linda guide you home!

Linda Hanson is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Linda is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Linda at (847) 619-5467 for more information!

Linda Hanson at Rate (NMLS #442632)

"It's a Grate day for hockey"




Peter de Jong (pronounced De Young) was born and raised in MN. Both his parents, Jim and Sheila, were educators. Peter attended the University of Chicago and graduated with a B.S. degree in Political Science in 1990. In college, Peter met his spouse Jill. Jill and Peter are celebrating their 30th wedding anniversary in 2022. Peter and Jill have 4 boys - Derek (20), Jacob (17), Liam (17), and Ryan (14). After college, he began his career in mortgage lending. Peter has worked for 3 companies over that 30 year period in sales and branch management. He is honored to build a production team at Rate for the remainder of his career serving families with dream of homeownership.




Outside of mortgage lending, Peter has been an active participant of AREAA - Asian Real Estate Association of America since 2006. In 2021, Peter served as the first Caucasian AREAA Greater Chicago Chapter President. AREAA has over 40 chapters and 17,000 members nationwide helping AAPI (American Asian Pacific Islander) families achieve sustainable homeownership. Joining AREAA was a great fit for Peter as he honored his parents commitment to education and embracing the cultures of the world and along the way making great friends.




Peter can also be found at a rink, a frozen pond, or skating ribbon on any given day. He currently serves as the Chicago Romans Hockey Club President for the boys and girls high school hockey teams. Peter also coaches for the Chicago Jets Hockey Club as he is a USA Hockey Level 4 certified hockey instructor. If Peter could tweak a line or two from the show "Ted Lasso", it would be that "Hockey is Life" Peter enjoys helping children learn the life skill of skating, becoming resilient in life through playing sports, and developing friends for life through hockey. Peter is grateful for the many friendships he has developed around hockey and enjoys continuing to play hockey with friends and family today.




Lastly, what is Peter's why for joining Rate? If you were fortunate enough to watch the 1980 Olympic hockey game of team USA vs. team Russia, you know that team USA won that game 4-3 with "Do you believe in miracles" being uttered by announced Al Michaels as time expired. Homeownership is a miracle, it is a gift, it is precious. It creates families, it creates communities, it creates economies, it creates wealth. When team USA won that game, it was more than a game. Those 20 players lifted the spirit of our country at a time when we needed it most. Nobody thought that team USA could win that game. Nobody. Except those players and coaches. Many people face discouragement or worse discrimination trying to purchase arguably their biggest purchase of their lives - a home. If want to purchase a home, it is my job to help you believe you can, serve you in preparing and training to do so, and ultimately be a mentor and friend in helping you reach the podium. If you want to be a homeowner.....just come along with my team and I! Rate has the programs, the technology, and the capacity with assistants and pod operation teams to help customers and real estate professionals move the puck quickly towards the net, score a goal, and close both on time and quickly in competitive real estate market.




My team and I are honored to serve you. Have a question, our team is ready to serve!




Peace, prosperity, and joy to you!




Peter de Jong

Peter de Jong is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Peter is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Peter at (773) 896-3755 for more information!

Peter de Jong at Rate (NMLS #442532)

Dariush Kakvand is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Dariush is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Dariush at (847) 232-2736 for more information!

Dariush Kakvand at Rate (NMLS #394210)

I am an experienced mortgage professional whose focus is on delivering an outstanding loan experience. I support California, Florida, Illinois and Wisconsin homebuyers and homeowners by offering bilingual services (Spanish & English) and a wide range of loan solutions to fit their unique needs. Needs that include:  
First time home purchases  
Second home/investment purchases  
Home renovations  
Government loan programs (down payment assistance, VA and FHA)  
Loan refinancing  
For over a decade, I have been listening to my clients, discovering their financial goals and then patiently walking them through their options. My knowledge of mortgage guidelines means I can ensure that clients have a successful close; my personal approach means they get the attention they deserve. I treat every borrower like family and work hard to keep their loan process simple, smooth and rewarding. When I'm not helping my customers secure a loan, I spend time with my wife and 2 young sons along with my older son, and his young family of 4. I enjoy participating in my kids many extracurricular activities including baseball, piano, gymnastics and swimming. I also loves salsa dancing and outdoor grilling. Born and raised in Illinois, I have been serving my local community for years and currently serve on the board for the National Association of Hispanic Real Estate Professionals in Lake County. Currently serviing as the Immediate Past President.

Carlos Rosado is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Carlos is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Carlos at (847) 258-1530 for more information!

Carlos Rosado at Rate (NMLS #673321)

Jim Spallone is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jim is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jim at (847) 592-9201 for more information!

Jim Spallone at Rate (NMLS #406300)

Tomasz Dokudowiec is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tomasz is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tomasz at (847) 807-2719 for more information!

Tomasz Dokudowiec at Rate (NMLS #984528)

Customers remain at the center of everything we do, from our Intuitive Loan Finder, World’s First Digital Mortgage and easy-to-use GR Mobile App to our continued commitment to providing the personal service that has made us one of the most trusted mortgage providers in the country. Find the perfect mortgage for your situation, anytime, anywhere.

We understand that choosing a mortgage is the biggest financial decision of your life, and we’re committed to making the process as seamless, friendly and financially valuable to you as possible.

It's a simple formula that has made us one of the most trusted mortgage providers in the U.S.

Frank Cecala is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Frank is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Frank at (847) 776-3838 for more information!

Frank Cecala at Rate (NMLS #226960)

With twenty-nine years of experience in the mortgage industry, I specialize in providing excellent customer service and meticulous attention to detail. My extensive background encompasses all aspects of residential mortgages including Conventional, FHA, VA, USDA, and Jumbo Loans. My company excels In closing any type of residential mortgage with minimal hassle and in record time, ensuring a smooth and efficient process for our clients. Our unwavering dedication to customer satisfaction and expertise in navigating the mortgage landscape make us a top choice for homebuyers seeking reliable and expedited mortgage solutions.

Robert Arquette at Rate (NMLS #204956)

Producing Sales Manager/VP Of Mortgage Lending

Michael Bless is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Michael is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Michael at (847) 907-3060 for more information!

Michael Bless at Rate (NMLS #219315)

Being born in the Chicagoland area and putting Chicago at the top of his favorite cities due to the incredible skyline and world-renowned architecture, it is only right that he has solidified his roots in the Chicago real estate industry. Having over 20+ years of experience in the financial services industry, Ben is a dedicated and knowledgeable Vice President of Mortgage Lending with Rate based out the Schaumburg Branch. His commitment to helping clients find the best financing solutions and taking pride in education for his clients has earned him a reputation for excellence and reliability. Ben is known for his meticulous attention to detail and unwavering support for his clients. He believes that exploring new cultures and deviations not only enriches his personal life but also broadens his perspective, enabling him to connect with clients from diverse backgrounds. Combining his expertise in mortgage lending with his personal passions, Ben is more than just a lender; he is a dedicated partner in helping you achieve your homeownership dreams.

VP_DE_PRéSTAMOS_HIPOTECARIOS

Ben Diaz is your Schaumburg local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ben is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ben at (847) 233-1454 for more information!

Ben Diaz at Rate (NMLS #221382)

Schaumburg

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                    style="width: 136px; height: 29px;"
                />
            </p>
        </div>
        <div class="footer__grInfo">
            <p>
                Copyright © 2025 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved.<br />
                NMLS License #2611 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />
Arizona Mortgage Banker License #0907078<br />
                3940 N. Ravenswood Ave Chicago, IL 60613 
<br>
Operating as Guaranteed Rate, Inc. in New York.
<br>
The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.
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</section>


19 Loan Officers Schaumburg, IL