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
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Business Hours
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9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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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!
Joel was current and willing to explain everything with a smile. Always pleasant and courteous. He was pleasant and easy to work with.
Reply from Joel Koziol, Ruoff Mortgage
October 31st, 2025 03:24 PM
It’s encouraging to know that you found my approach pleasant and easy to work with. I’m glad I was able to provide explanations that were helpful. Should you need any further assistance, feel free to contact me.
Joel was absolutely fantastic to work with!!! Thank you!! There were a couple of struggles with underwriting, and Joel got those issues resolved so that the process kept moving!! i am very thankful for all Joel did for me and I have already...
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Reply from Joel Koziol, Ruoff Mortgage
October 9th, 2025 03:34 PM
Thank you for the great review Amy! I was so happy to be able to help you with this refinance, these are the situations that make me love what I do!
Joel was very attentive and was so great to work with. His communication was excellent and he made our experience seamless.
Reply from Joel Koziol, Ruoff Mortgage
October 1st, 2025 01:58 PM
Thank you for this great review Jill! I was so happy to help you and KJ get into your new home! Thank you for trusting me through this process and making it as easy as possible!
I was kept in the loop the entire time.
Reply from Joel Koziol, Ruoff Mortgage
September 19th, 2025 02:01 PM
Thanks for the review! I try to keep everyone in the loop as much as I can!
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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
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Memberships
- Homeless Prevention Partners - Golf Chair
- The Chamber - Grand Haven, Spring Lake
- The Chamber - Ambassador
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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
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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
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