We understand that each customer has specific needs, so here with the Kosmecki Team at Guaranteed Rate,Inc. we endeavor to provide our clients with enhanced services and follow-though. Because of our many years in both lending and the real estate industries, we make the complicated process seem easy and uncomplicated.

With a variety of loan programs including Fixed Rate, Rehab, Reverse, low start rate ARMs, FHA, VA, State and Rural Housing programs, we have the solutions!

Ask us about our "No Down Home LoanTM". It will let many borrowers finance their new home with less money than the first month's rent in an apartment! Call us today to see if you will qualify!

Much of our business comes from referrals from past clients, Realtors, financial planners, insurance professionals, will and estate planning attorneys and CPAs. "We're In Touch" Communications Program has earned the respect of these professionals and our past clients.

Let The Kosmecki Team at Guaranteed Rate,Inc. guide you through the home buying or refinancing process and provide you with the best follow-through available. Call us today!