Ania Kozera

Your Mortgage Expert

“In a world of instant gratification my goal is to step back and access my clients goals for the perfect mortgage transaction and to customize a plan that will deliver the ultimate experience.”

-Ania Kozera-

About Me

Ania Kozera has over fifteen years of mortgage industry experience, accumulating her knowledge from various brokers, mortgage banks (Guaranteed Rate) and lenders (PNC Bank). She is a two time Chicago Magazine 5 Star winner with a primary focus on providing the best customer service experience possible through her understanding of client needs. Ania, with her business partner Sylvia Maciorowska, has pushed Ultimate Rate to become one of the fastest growing mortgage brokers in the Chicagoland area, maintaining a professional, yet, personal touch with each client. Originally from a mountain town in the Polish countryside, Ania grew up skiing and snowboarding. The only thing she loves that rivals her love for her husband and two children is closing a deal faster than anyone else can.


Including conventional mortgages, home refinancing, FHA loans, VA loans, jumbo loans, reverse mortgages, and more..

Our secure technology is on a mission to make your home loan process easy, convenient and stress free.
  • Complete your loan app in under 5 minutes using our streamlined process
  • Run accurate payment scenarios using our powerful calculators
  • Determine your qualification with the click of a button
  • Request and print Pre-Approval Letters directly from the app
  • Capture and upload documents from your mobile device
  • Real-time updates when you achieve important milestones on your loan
  • Direct communication with your Loan Officer using the in-app messenger


  • Hi Ania, Working with you and your Team was Fantastic!! The Process from Start to Finish was Flawless , your Team especially Tim and Andy were always 2 steps ahead of the process and that’s the Main reason we closed in less than 30 days. My Hats off to you and your Team !! Joe

    Joe S.

  • Ania was very helpful during the entire process of our refi. She always had our best intrest in mind and made the whole process very easy and quick. She is very knowlegdeable in mortgage lending. She is professional, very helpful, incredibly friendly, overall grat to work with. We highly recommend Ania to anyone who is looking into buying or refinancing.

    Marta & Lukas

  • I had a nice experience working with Ania. I like the approach she had towards getting my mortgage approved. Rather than piece meal the lender with random documents, she gathered all information first and made sure all documentation was complete before submitting the entire docket. There might have been a lag in communications/ feedback – but i guess my management style might have caused a prompt response immediately once i sent an email 🙂 . Other wise i think she did do a great job to make sure my deals goes through and we get the property my wife and i had our eyes on. After meeting her finally on closing day one thing for sure i can reassure is that Ania is a great professional woman with a strong and ambitious head on her shoulders.

    Asad A.

  • The Best! simply the Best experience and outcomes. Ania and her Team are highly professional, knowledgeable, dependable and very responsive to all questions and Concerns. Always looking out for her clients best interest. This was our second time we have refinanced through Ultimate Rate Mortgage and we will certainly do so again in the future. Thank you again for all your help Ania!

    Eva L.


2800 S River Rd #200, Des Plaines, IL 60018