About Regina Danikowski
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!
The right advice could help you find the right mortgage for you. Let's work together.
Current mortgage rates
Points:
Loan Type | Rate | APR | Points | Mo. Payment |
---|---|---|---|---|
30-year fixed | 6.875% | 7.177% | 0.954 ($3339.00) | $2299.25 |
15-year fixed | 5.875% | 6.271% | 0.796 ($2786.00) | $2929.91 |
FHA loan | 6.250% | 7.223% | 0.754 ($2301.59) | $2016.25 |
VA loans | 6.250% | 6.766% | 0.789 ($3223.86) | $2515.82 |
Jumbo loans | 6.600% | 6.872% | 0.98 ($8820.00) | $5747.93 |
* Rates current as of 4/15/2025 07:29 am, provided by Regina Danikowski, 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 1900 E. Golf Road, Suite L20 Schaumburg IL, 60173