Joel Koziol
Senior Loan Officer
NMLS: 1539247
The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.
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99.35%
Customer Satisfaction Score.
Awards
10
Years of helping homeowners like you.
Proudly serving Michigan
Meet our happy homeowners***
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A Bit About Me
I've spent the past 10 years helping first-time homebuyers and move-up buyers in West Michigan and the Lakeshore secure financing that fits their lives and budgets. I keep every step straightforward with clear communication, whether we're exploring FHA, conventional, or bank statement loans. My background lets me break down the numbers without the overwhelm so you always know where you stand. Building steady relationships with realtors and partners through lunch meetings, networking, and social media videos helps me deliver consistent, personal service every time. If you're ready to explore your next move or just want an honest conversation about your options, let's connect.
Awards & Achievements
Top Mortgage Lenders
The Scotsman Guide’s list of Top Mortgage Lenders, a ranking of the nation’s top-producing mortgage companies.
Calculate Based on Your Individual Needs
My Latest Blogs
How to Choose the Right Neighborhood in West Michigan: Schools, Commute, and Resale Value
Jul 30, 2026
How to Choose the Right Neighborhood in West Michigan: Schools, Commute, and Resale Value
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Debt-to-Income Ratio Explained
Jul 6, 2026
[BLOG POST — full markdown]
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What Happens at Closing? Your Day-by-Day Guide to Signing Without Sweating
Jun 23, 2026
What Happens at Closing? Your Day-by-Day Guide to Signing Without Sweating
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Loans Designed to Meet Your Individual Needs
Personalized mortgage solutions that fit your unique needs, because we understand that one size doesn't fit all.
Frequently Asked, Frequently Answered
Starting with clear, direct answers to the questions that matter most to your future.
After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.
A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.
The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.
You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.
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