Joel Koziol
Senior Mortgage Advisor NMLS# 1539247 Licensed in MI
452 Ada Dr. SE, Suite 245
Ada, MI 49301
Branch License #2399445
About Joel Koziol
Your mortgage is personal, and I understand that.
Born and raised in West Michigan, Joel is an experienced Mortgage Loan Officer with a demonstrated history of working in the financial services industry. Skilled in Conforming Fannie Mae and Freddie Mac programs, Jumbo, Non-Warrantable Condos, Renovation, FHA, VA, USDA, and Investment Properties. A strong communicator with a Bachelor of Business Administration from Saginaw Valley State University. Born and raised in West Michigan, Joel is an experienced Mortgage Loan Officer with a demonstrated history of working in the financial services industry. Skilled in Conforming Fannie Mae and Freddie Mac programs, Jumbo, Non-Warrantable Condos, Renovation, FHA, VA, USDA, and Investment Properties. A strong communicator with a Bachelor of Business Administration from Saginaw Valley State University.
We keep the mortgage process easy
Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.
Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.
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Step 1 Connect with a Loan Expert
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Step 2 Get Pre-Approved
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Step 3 Make Offers
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Step 4 Lock in your Preferred Rate
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Step 5 Move in to your new home
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Step 1 Connect with a Loan Expert
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Step 2 Lock in your Preferred Rate
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Step 3 Get your new loan approved!
Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.
Home Loans
- Fixed-rate Mortgages
- Adjustable-rate Mortgages
- Interest-only Loans
- Jumbo Loans
- FHA
- VA Loans
- USDA Loans
- Reverse Mortgages
Speciality Products
- Keys On Time Program
- Secure Lock Program
- Jumbo Investor Loan Programs
- Peak Loan Program
- High Balance Solutions
- Jumbo Solutions
- Home Ready
- Home Possible Advantage
- STaR Program for First-Responders
- Doctor Program for Medical Professionals
- Manufactured Housing Loans