Joel Koziol, Ruoff Mortgage
Senior Loan Officer | NMLS# 1539247 | Ruoff Mortga...
At Ruoff Mortgage our mission is to guide homebuyers and homeowners at every step with experience and commitment so they can achieve their goals and move into their homes with confidence. In order to ensure a seamless loan process, customer... Show More
Location & Business Hours
Business Hours
Mon
9 AM to 5 PM
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Joel did a great job communicating and keeping us informed throughout the process. Would highly recommend Joel!
Reply from Joel Koziol
July 27th, 2026 01:39 PM
David, I appreciate your recommendation and am pleased to know you felt well-informed throughout the process. If there's anything more I can do for you, please let me know.
Joel got it done! Thank you for making this home buying process possible and seamless.
Reply from Owner
July 13th, 2026 07:10 PM
I'm grateful for your kind words, Spencer. It's wonderful to know that I could help make your home buying process seamless. If you have any further questions or need assistance, I'm here to help.
Joel got it done! Thank you for making this home buying process possible and seamless.
Reply from Joel Koziol, Ruoff Mortgage
July 2nd, 2026 03:36 PM
LOL! Thank you for the great review! You guys were awesome to work with! So happy for you both and Congratulations!
Joel was a pleasure to work with, he is very knowledgeable and kind. Worked with us on every aspect, even on the weekends. Such a great individual.
Reply from Joel Koziol, Ruoff Mortgage
June 15th, 2026 01:27 PM
I'm grateful for your kind words, Michael. It's nice to know that my knowledge and support made a positive impact on your experience, even during weekends! If there's anything else you need, please feel free to reach out!
Everything from start to closing, Joel was excellent!!
Reply from Joel Koziol, Ruoff Mortgage
June 9th, 2026 05:27 PM
I'm grateful for your kind words, Felisha. It's wonderful to know that you found my assistance excellent from start to closing. If you have any questions or need further help in the future, please feel free to reach out.
Joel was great, very helpful and supportive throughout the entire mortgage process!
Reply from Owner
June 2nd, 2026 07:57 PM
I'm happy to hear that you found my support helpful throughout the mortgage process, BP. Your positive feedback is truly appreciated. If you have any more questions in the future, please don't hesitate to reach out.
Joel was kind and attentive! Every question I had was addressed properly and he made this complicated process easy to navigate
Reply from Joel Koziol, Ruoff Mortgage
May 22nd, 2026 06:37 PM
Bradley, thank you for your kind words. I'm grateful to know that you found me attentive and that I could help make the process easier for you. If you have any more questions or need further assistance in the future, please don't hesitate to...
read more
Joel Koziol, Ruoff Mortgage has received a review with 5 star rating from Joshua L
Reply from Owner
May 6th, 2026 02:59 PM
Thanks for the great review Josh! It was great working with you and Valerie again! Let me know if any questions come up!
The whole home buying process was super easy and Joel was amazing! By far the easiest and best experience I've had buying a home.
Reply from Joel Koziol
May 15th, 2026 07:44 PM
I'm glad to hear that you found the home buying process easy and had a great experience with me, Joshua. Your kind words mean a lot, and I'm pleased I could assist you effectively. If you have any future questions or need further assistance,...
read more
Joel Koziol, Ruoff Mortgage has received a review with 5 star rating from Missy Y
Reply from Owner
April 27th, 2026 06:29 PM
Thank you for the great rating, Missy. I'm glad to know you had a positive experience. If you ever need further assistance, feel free to reach out.
10 of 139
About
At Ruoff Mortgage our mission is to guide homebuyers and homeowners at every step with experience and commitment so they can achieve their goals and move into their homes with confidence. In order to ensure a seamless loan process, customer service is at the core of what we do and has been for the past 40 years. By sharing knowledge and showing support, Ruoff Mortgage helps our customers see the potential and excitement in the homeownership experience
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Mortgage Refinance
Specialities
FHA
USDA
MSHDA
Conventional Mortgages
Bank Statement Mortgage Options
Mortgage Advice
Credit Repair plans
Refinance
View All
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
Memberships
- Homeless Prevention Partners - Golf Chair
- The Chamber - Grand Haven, Spring Lake
- The Chamber - Ambassador
View All
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2016
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 1539247
Awards
Achievements
- Strategic Partner of the Year - Women's Council of Realtors - Lakeshore
Hobbies
- Reading
- Golfing
- Boating
View All
Disclaimer
Ruoff Mortgage Company, Inc. is an Equal Housing Lender
Ruoff Mortgage Company, Inc. | NMLS ID #141868
1670 Magnavox Way | Fort Wayne, IN 46804 | Phone (260) 999-6200
©2025 All Rights Reserved Licensing | Privacy | Contact Us