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
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
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
Great
Joel was thorough, open, and informative throughout the process!
Joel was so helpful through out the whole process, would highly recommend him for anyone looking to buy a house!
This is our second mortgage through Envoy. Joel was extremely helpful throughout the mortgage approval process. He kept in touch regularly with updates and helped us get exactly what we needed for our down payment. He looked out for our best...
read more
Those entire team at Envoy should be congratulated. They provide immediate responses to your questions: available all hours of the day. Professional, kind and understanding as you trudge through the paper trail of financing. Thank you.
I’ve done many deals with Joel. He’s on top of the details and is always there to answer questions. Smooth transactions. Highly recommend!
I’ve done many deals with Joel. He’s on top of the details and is always there to answer questions. Smooth transactions. Highly recommend!
Joel will stay with you every step of the way. He makes sure you understand every part of the mortgage process.
He helps you through the whole process.
He helps you through the whole process.
131–140 of 140
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