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
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Reviews from Web
The underwriting process is combersome and takes too long. It's unorganized and does not take into account the time it takes to get a loan done. If I'm in a hurry, I would not use Ruoff.
Reply from Joel Koziol, Ruoff Mortgage
July 2nd, 2025 05:32 PM
Terrill, I appreciate your feedback regarding the underwriting process. I understand that timeliness is crucial, and I am sorry for any inconvenience you experienced. Your insights are important to us, and we will strive to improve our efficiency....
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Loan was cleared to close in 8 days!! Joel did amazing!
Reply from Joel Koziol, Ruoff Mortgage
June 3rd, 2025 06:02 PM
Thank you Katie! I am so happy for you and this house! I think you will be much happier here! :)
Joel was so easy to work with, helpful, quick to respond, and very knowledgeabl! He made the entire process less stressful!
Reply from Joel Koziol
June 3rd, 2025 06:02 PM
Thank you Breanne! You and Brian were great to work with!! So excited for you both on this purchase!
Great company to work with Joel is very knowledgeable
Reply from Owner
May 7th, 2025 02:25 PM
Thanks Matt! You guys were great to work with! So happy for you!
Everything
Reply from Joel Koziol, Ruoff Mortgage
April 18th, 2025 09:11 PM
Thank you Matt! I was so happy to help you and Tara get into your new home!
Joel Koziol, Ruoff Mortgage has received a review with 5 star rating from Adam S
Reply from Owner
April 9th, 2025 01:15 PM
Thank you for the great review Adam! I was so happy to help you purchase your new home!
Joel made the experience top notch. I expressed all my worries and had him working after hours to settle my fears . he broke down the numbers in a way the average person can understand, and in my opinion, went way above and beyond . I can't...
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Reply from Joel Koziol, Ruoff Mortgage
April 9th, 2025 01:15 PM
I'm thrilled to hear that I could make your experience top notch and provide clarity on the numbers. It was my pleasure to assist you and address your concerns. Your kind words about my efforts are greatly appreciated. If you have any further...
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Joel was very thorough and very patient with unforeseen circumstances that occurred when refinancing my loan. Thanks to Joel for all of his hard work! It was good to have him on my team.
Reply from Owner
December 14th, 2024 05:03 PM
Thank you so much for sharing the great feedback, Kris. We really appreciate you taking the time to share your experience with us.
We love Joel! He helped with our original loan and again for refinancing. He is fast, effective and very communicative. He answered all of my questions and explained them so that I understood. Would recommend him to anyone!
Reply from Owner
October 22nd, 2024 01:52 PM
Thank you so much for sharing the great feedback, Stacy. We really appreciate you taking the time to share your experience with us.
Joel will get it done. Great communication the whole way through.
Reply from Owner
July 16th, 2024 04:21 PM
Our focus is on creating experiences that matter throughout the mortgage process. We appreciate you sharing your experience!
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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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