About Dave Danikowski
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.
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
Download our app
Now available on
Located at 717 Ship Street, Saint Joseph MI, 49085
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google Inc.