Ratings include all 437 reviews. Reviews collected directly from clients are shown only with their permission.
Working with Ania and her team was a great experience in purchasing my first home. Her and her team kept timely, consistent communication with me throughout the entire process and were able to help me understand anything I had questions on. The rate app was also super easy to use to keep track of anything I needed to upload and keep track thongs. I am very happy to have been recommended to work with Ania and I would highly recommend her!
Response from Owner
Stephanie, guiding you through the purchase of your very first home truly was such a joy for me and the entire office. I'm so glad our communication and the digital tools made everything clear and straightforward for you every step of the way. Enjoy every moment in your new place!
I had a great experience working with Ania Kozera for my home purchase in Michigan. She made the entire mortgage process easy and stress-free, was always available to answer my questions, and kept everything moving smoothly from pre-approval through closing.
Ania and her team were available any time that I needed anything. Any time I had any concern or any anxiety (there was a lot,) they were able to easily answer all my questions and put me at ease. I can not stress enough how great they all were.
If you’re buying a home in Michigan and looking for a knowledgeable, responsive mortgage loan officer, I highly recommend Ania. She and her team were professional, efficient, and made sure we closed on time. I would absolutely work with her again!
Response from Owner
Marek, it was a true pleasure helping you navigate your home purchase in Michigan. I'm so glad our team could keep things smooth and ease those nerves from pre-approval to closing day. Enjoy your new home!
Ewelina, it was an absolute joy helping you navigate your home financing journey. I'm so grateful you took the time to share such kind words about our team's work. It means the world to know our focus on clear communication made things smooth for you. Wishing you all the best in this exciting new chapter, and please always feel free to reach out whenever you need anything at all.
I’ve had 3 different lenders over the years and Ania and her team are the best in the business. Communication, speed, and support are all top notch. Highly recommend!
Response from Owner
Brad, thank you for the wonderful feedback. Our team works hard to keep everything fast and transparent, so knowing we stood out from your past experiences means a lot. We appreciate your trust and are always here if you need anything else.
Ania and her team are truly the best! They could not have made the process any easier!
Response from Owner
Gabriela, it was an absolute pleasure guiding you through the process from start to finish. I'm so glad our team made it seamless for you. Enjoy this incredible milestone, and let's stay in touch!
Ania is exactly what any home buyer would be looking for in a lender. She not only has an amazing story of how hard she has worked to be as successful as she is but treats you with class. Ania has built a team that is available for your needs and questions. I am happy to have worked with Ania and her team as we closed in 10 days! Please reach out to her team and listen to what they have to offer. Proud to say that I will be a new long term client Keep up the good work!
Response from Owner
Erik, closing in just ten days was a true team effort. It was an honor guiding you home, and I'm grateful for your trust. We're always here for whatever you need down the road.
Ania Kozera was absolutely amazing! She helped me secure a second mortgage that turned my dream kitchen — and a few other home projects — into reality. She made the entire process easy, stress-free and even fun. Ania was always quick to respond, happy to answer questions and genuinely excited to help. If you want someone knowledgeable, dependable and wonderful to work with, Ania is the one!
Response from Owner
Matt, it was an absolute pleasure helping you bring your dream kitchen and home projects to life. I'm so glad the process felt smooth and straightforward from start to finish. Enjoy every moment in your updated space, and please don't hesitate to reach out whenever you need anything else!
Title: Exceptional Mortgage Experience from Start to Finish
I am incredibly grateful for the outstanding experience I had with Guaranteed Rate while securing my mortgage to purchase my condo.
From the very beginning, Anna Kozera and her entire team were absolutely amazing. Every detail was thoroughly checked and handled with great care, which gave me tremendous peace of mind throughout the entire process. I was especially impressed by how accessible they were—I could contact the mortgage company anytime during the day, even late in the evening, seven days a week. They always answered my questions and made sure I understood every step.
What impressed me the most was how fast and efficiently they worked. Anna and her team communicated and cooperated closely with my real estate agent and attorney to make sure all of my needs were addressed and that everything stayed on track.
I truly feel so lucky that I chose Guaranteed Rate for my loan. Their professionalism, responsiveness, and dedication made what could have been a stressful process feel smooth and reassuring. Thanks to their hard work and support, my closing went smoothly and without any surprises.
Thank you so much, Anna, and the entire team, for supporting me from the very beginning all the way to the closing.
I highly recommend Guaranteed Rate to anyone looking for a mortgage company that genuinely cares about its clients and goes above and beyond!
Grazyna Myslinska
Response from Owner
Hi, Grazyna. Your feedback is highly appreciated. Thank you for the review!
Anna is extremely professional! Everyone thinks they have everything under control until it's time to actually get things done. Difficulties can arise at every single stage of buying a house, so who you work with and who handles your case makes all the difference.
To be completely honest, if it weren't for Anna, I wouldn't have been able to buy my home.
Trust her. If Anna says she'll close the deal, trusting her will be the best decision you can make.
Response from Owner
Hi, Roman. Thank you so much for leaving us a stellar review!
Ania and her team were very helpful in helping us get our loan in a time crunch and was very clear and open when answering all our questions. Quick, efficient, and helpful in so many ways.
Response from Owner
Hi, Azaan. We are thrilled to learn that you had a positive experience with us!
Working with Ania and her team was a great experience from beginning to end. Ania made my wife and I comfortable with the process and kept us in the loop extremely well. Ania also responded to our questions with frightening speed. The whole ensured we had the best rate when the time came and executed the lending part of our home buying journey with precise precision. If we were to go and buy another house in the future, we would look no where else but to Ania and her team.
Response from Owner
Thank you, Mike, for your positive review! We appreciate you taking the time to share your experience.
You can’t close in 14 days in Florida !
Ania and her team - Hold my beer!! 😊
Ania and her team are one of the most professional teams I worked with.
Fast, friendly and very responsive.
Can’t recommend enough!
Thank you
Response from Owner
Hi, Joanna. Thank you for your rating! We're happy to hear that your experience with us has been good.
A massive thank you to Ania and the loan team at Rate! Ania was Phenomenal throughout the entire mortgage process. She was always available to answer questions, communicated clearly, and made sure everything went off without a hitch. Fantastic customer service, incredibly fast, and very professional! Highly recommend this AMAZING team! THANK YOU ONCE AGAIN!!!
Response from Owner
Hi, Maulik. Thank you so much for leaving us a stellar review!
I cannot thank Anna Kozera enough for her incredible work. Going into this year, I didn't think buying a home was on the table for me as a first-time buyer. Anna completely changed that. She guided me through a bank statement loan program and made the entire process seamless. She truly made homeownership possible for me when I thought it was out of reach. Professional, knowledgeable, and highly recommended!
Response from Owner
We are absolutely thrilled to hear about your wonderful experience with the team! It truly warms our hearts to know that she was able to guide you through the bank statement loan program and make the entire home-buying process seamless for you as a first-time buyer. My dedication to helping clients like you navigate the path to homeownership, especially when it may seem out of reach, is a true reflection of the professionalism and knowledge she brings to every client interaction. We will make sure to pass along your kind words to everyone on the team, as feedback like yours means the world to us. Congratulations on your new home, and thank you so much for taking the time to share your experience and for recommending the Ania Kozera team. We wish you all the best in this exciting new chapter of your life!
There aren't enough wonderful words and thanks I can put into words for Ania and Ania's team at Rate and how amazing, efficient, informative and dedicated they were during my financing process! Ania, Alex, Daria, Nikki, Jenny put all their hearts and attention walking and helping me throughout the financing process! Their efficiency and responsivness shows how much they care! Special thanks to Ania and Alex for "holding my hand" and keeping me sane while trying to navigate these difficult financial questions!!!
Response from Owner
Hi, Mari! We are absolutely thrilled to learn that you had such a positive and wonderful experience with us! It truly warms our hearts to hear such kind and generous words about our team. Our team works incredibly hard to ensure that every client feels supported, informed, and well taken care of throughout the entire financing process, and it is so rewarding to know that their dedication, efficiency, and responsiveness made such a meaningful difference for you. We will make sure to pass along your heartfelt thanks and appreciation to each and every one of them, as they truly deserve to know the impact they have made. We are especially glad to hear that the team was able to "hold your hand" and help keep you at ease while navigating through the more challenging financial questions. That level of personalized attention and care is something our team takes great pride in. Thank you so much for taking the time to share your experience, Mari. It truly means the world to us, and we are so grateful to have had the opportunity to work with you during your financing journey!
Very satisfied with the work quality and responsiveness from Ania and her entire team including Alex Berry and Joe Wilson.
BBrandon S.
Ani Kozera and her team
MMarta C.
Ania and her team went above and beyond to meet a tight closing deadline. Their communication was exceptional.
MMichael P.
Do not think twice! Ania’s team is the best if you want lot of confidence and peace of mind. They made my home buying process feel easier than buying a car. From the very beginning, they were honest, transparent, and clear about what I needed and what I didn’t need to get into during the process. I never felt pressured into anything unnecessary.
Their communication, professionalism, and commitment truly stood out every step of the way. Anytime I had questions, they were responsive, patient, and willing to guide me through everything clearly.
I’m very grateful for their support and would highly recommend Anias’ team to anyone looking for a trustworthy, transparent, and dedicated lender. They truly made the entire closing process smooth and stress-free.
Response from Owner
We are truly overjoyed to hear about your positive experience with the Ania Kozera team! Thank you so much for taking the time to share such wonderful and heartfelt feedback. It means the world to us!
We are so glad to know that we were able to make your home buying process feel easier and stress-free. Honesty, transparency, and clear communication are values that the team holds close to heart, and it is incredibly rewarding to hear that those qualities truly stood out to you every step of the way.
Knowing that you never felt pressured and always felt guided and supported throughout the entire process is exactly what our team strives for. It is wonderful to hear that their responsiveness and patience made such a meaningful difference in your experience, especially during something as significant as buying a home.
We will be sure to pass along your kind words to the entire team. Your gratitude and recommendation truly inspire them to continue delivering the same level of professionalism, commitment, and dedication to every client they work with.
Thank you again for trusting the Ania Kozera Team with such an important milestone in your life. We wish you all the very best in your new home, and we are so grateful for your trust and your generous recommendation!
We close cash out loan in 4 weeks. Great team, clear communication, quick response. Anna’s team worked hard for us. Awesome job, thank you guys so much !!!
Response from Owner
Thank you immensely for your kind words! We are thrilled to hear about your positive experience with our team.
Working with Ania and her team was an exceptional experience from start to finish. We were under a tight deadline with a quick closing, and they truly went above and beyond to make it happen. As first time homeowners, it meant a lot to have a team that was not only highly knowledgeable, but also incredibly personable, responsive, organized, and supportive. Their team communicated clearly, kept us informed throughout the entire process, and handled every detail with ease. We couldn’t thank them and recommended them enough!
Response from Owner
We're truly privileged to have been able to assist you with your home purchase, and we are so glad to hear that your experience was exceptional from start to finish! It's wonderful to know that we were able to meet your tight deadline and make your quick closing a smooth and stress-free process. Helping first-time homeowners like yourself navigate through such an important milestone is something we take great pride in, and it's heartwarming to hear that the team's knowledge, responsiveness, and support made such a meaningful difference throughout the entire journey. We will be sure to pass along your kind words to everyone on the team, as they truly deserve to know how much their hard work and dedication meant to you. Your recommendation means the world to us! Thank you so much for choosing Ania Kozera at Rate, and congratulations on becoming a homeowner!
I was informed, explained of everything in the process.
HHumberto C.
Wonderful team that assisted me in obtaining my mortgage.
DDorota M.
Great overall
CCassandra C.
The process was smooth.
DDavid B.
They always deliver as promised! Great service!
MMagdalena G.
Easy process and fast response
AAdam D.
Ania Kozera, Loan officer was friendly and always answer phone or txt. The team Kozera was good with communication and always helpful and answering questions.
DDorota W.
Easy to work with . They keep on top of things to make closing easier.
JJack E.
Good communication. Easy to work with. Clear to close in 5 days!
EEmilja K.
From start to finish, the experience was seamless. Excellent communication, competitive rates, and a very user-friendly application process. I would definitely recommend them to anyone looking for a hassle-free mortgage.
AAgnieszka W.
Team is amazing and work so hard to ensure customer is satisfied and taken care of. Will definitely be using rate in the future.
AAlmes T.
I was a first-time buyer and they really helped me through the whole process and made me feel comfortable
HHunter P.
Guaranteed Rate and only one Ania Ania Ania Kozera ! If you feel stuck and are not able to get HELOC because your credit score is low?, and not because you’re not making payments but because you have so much debt that you’re drowning and you don’t know what to do ? I guarantee that Ania will find a way
To refinance / cash out the equity you have build in your real estate. Ania will safe you ! Give you an advice , and will quickly and efficiently find a solution designed just for your needs !
If you are in doubt please call Ania Kozera
Thank you Ania! I am so grateful we cross paths!
Response from Owner
We are ecstatic to hear about your positive experience. Thank you for sharing your feedback!
My wife and I had a wonderful experience purchasing our home with Ania in Florida. We obtained a good rate and excellent service and we are very grateful. Ania is always responsible and responsive.
Response from Owner
We're honored to have helped you secure a good rate and provide excellent service during your home purchase in Florida. Thank you for your kind words.
We closed on our first home today 🎉
We are so grateful to have found Ania and her team. Ania was so professional, responsive, helpful, and very knowledgeable. Ania and her team were so easy to work with and we will definitely work with them in the future!
Thanks again for all the hard work ❤️🥇
Response from Owner
Congratulations on closing your first home – what an exciting milestone! 🎉 We are so pleased to hear about your wonderful experience working with us. It truly means a lot to us to know that our professionalism, responsiveness, helpfulness, and knowledge made such a positive impact throughout this journey. We always strive to make the process as smooth and easy as possible, and we're thrilled to hear that working with us felt just that way. Your kind words and heartfelt feedback are deeply appreciated, and we will be sure to pass along your wonderful compliments to the entire team! We look forward to working with you again in the future and thank you so much for taking the time to share your experience. Here's to many happy memories in your new home! ❤️🥇
We are so grateful to for Ania and her team for helping me and my husband through the entire home buying process! As first-time homebuyers, we were nervous and had a lot of questions, but Ania made us feel comfortable and confident every step of the way.
She was always there to guide us, explain everything clearly, and reassure us that everything would work out. What could have been a stressful experience felt so much smoother because of her support.
We truly appreciate all the time, patience, and dedication she gave us. We couldn’t have done this without her and would highly recommend Rate to anyone going through the home buying process!
Response from Owner
Thank you so much for sharing your wonderful experience !
It is absolutely wonderful to hear that we were able to make you and your husband feel comfortable and confident throughout the entire process. We understand that purchasing a home for the first time can feel overwhelming and nerve-wracking, and it means the world to us to know that we helped to make that a little less stressful.
Thank you once again for your kind recommendation of Rate to others going through the home buying process. We wish you and your husband all the very best in your new home!
I cannot recommend Ania’s team enough. From start to finish, they made our first home purchase incredibly smooth, fast, and stress-free. As first-time buyers, we had a lot of questions and nerves, but their team walked us through every single step with patience, clarity, and professionalism.
Communication was excellent, we were always kept informed, never felt rushed, and truly felt supported the entire time. They were extremely organized, efficient, and on top of every detail, which made the whole process move quicker than we ever expected. We’re happy to have them in our life ! 😊
Response from Owner
Ajla, guiding you through your first home purchase was truly a pleasure for our entire office. It is completely normal to have nerves at the beginning, but your trust in us made all the difference. We are always here to make complex milestones feel simple and clear. Enjoy every moment in your new home, and please stay in touch as you settle into the neighborhood!
great team ,awesome experience ,everyone very helpful, highly recommended for anyone looking for solid place to finance your new home
Response from Owner
Thank you for the wonderful recommendation, Jerzy. It was an absolute pleasure helping you secure financing for your new home. Our entire team strives to make the process smooth and straightforward, so I'm glad we could deliver an awesome experience for you. Enjoy your new property!
Eliasz, it was genuinely a pleasure working with you to get your home loan sorted. I know the paperwork can feel a bit daunting, but you made the process completely seamless from start to finish. I'm so glad we could reach the closing table smoothly, and I hope you're settling in wonderfully.
It was truly a pleasure working with you, Hiram. Getting everything lined up for your home loan went smoothly thanks to your great communication. Alex and I hope you're settling in nicely and enjoying your new space!
Thanks for the great feedback, Dave. It was a pleasure working with you to get your home loan sorted out smoothly. I'm glad our team could make the process straightforward and easy for you from start to finish.
Excellent experience working with Ania!
She offered a great and very competitive rate right from the start and never had a pushy sales approach like many loan officers do - which I really appreciated.
Ran into one small issue and she took immediate initiative solving the problem and making sure everything was back on track.
Ania will get the deal done and make the whole process feel like a breeze! I was clear to close in 15 days and even now weeks later I’m very glad and relieved I chose to go with her!
Response from Owner
Hi Gaspar, I'm genuinely glad we could keep things smooth and straightforward for you from start to finish. It was important to me that you felt supported without any pressure, and getting you to the finish line quickly is always our goal. Thank you for trusting us with your home loan!
Ania and her team were fantastic. The process was smooth and easy thanks to their great communication. We will definitely be recommending her to others!
Response from Owner
Pat, it was such a joy partnering with you to secure your home loan. Keeping the process seamless and clear is always our top priority, and your kind words truly made our week. Thank you so much for putting your trust in our office, and we look forward to helping anyone you send our way.
