Joel Koziol, Ruoff Mortgage

Name: Ruoff Mortgage - Grand Rapids
Address: 1555 Arboretum SE Ste 101, Grand Rapids, Michigan, 49546
Telephone: +1-260-999-6200
Rating: 4.92

Senior Loan Officer | NMLS# 1539247 | Ruoff Mortga...

Ruoff Mortgage - Grand Rapids

4.92

(134)

Mortgage

Mortgage Loan Officer

Contact Info

(260) 999-6200

Grand Rapids, MI

https://www.ruoff.com/joelkoziol

Location & Business Hours

Business Hours

Wed

9 AM to 5 PM

Thu

9 AM to 5 PM

Fri

9 AM to 5 PM

View All days

Search Reviews

Write a Review

4.92

(134)

Filter by Date

Range

Filter by Rating

Experience.com

4.91

(116)

Google

5.0

(10)

Facebook

5.0

(8)

Show All

Reset all filters

Joel Koziol, Ruoff Mortgage has received a review with 5 star rating from BP B

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...

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,...

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.

Joel was wonderful to work with and was always available to provide reassurance during the challenging times.

Reply from Joel Koziol, Ruoff Mortgage

April 14th, 2026 03:17 PM

Thanks for the great review Missy! You were so much fun to work with on this, though I know there were a couple speed bumps along the way, we got through them!!

Exceptional customer service

Reply from Joel Koziol, Ruoff Mortgage

April 6th, 2026 04:21 PM

Thank you for the great review Roberto! I was so happy to help you get into your new home!

Joel absolutely rocked it during the process! He is phenomenal to work with!!!

Reply from Joel Koziol, Ruoff Mortgage

December 11th, 2025 05:50 PM

Aidan! So happy for you and your new home! I hope the move in went smoothly! Please let me know if any questions come up!

My loan officer Joel was very helpful. with getting the process completed with limited inconveniences to myself .

Reply from Joel Koziol, Ruoff Mortgage

November 14th, 2025 06:45 PM

I’m glad to know that I could be helpful during the process and minimize any inconveniences for you. If you have any further questions or need assistance at any point, please feel free to reach out.

Always available if I needed any help or had any questions

Reply from Joel Koziol, Ruoff Mortgage

November 4th, 2025 03:05 PM

I was so excited for you to get your new home here in Michigan and closer to family! Especially with the baby now here!

10 of 134

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