Joel Koziol - Senior Loan Officer nmls#1539247

06/09/2026

5.0 star review received on Experience.com for Joel Koziol by Felisha S - Everything from start to closing, Joel was excellent!!

Click to see all 135 reviews of Joel Koziol, Ruoff Mortgage, Senior Loan Officer | NMLS # 1539247 | Ruoff Mortgage NMLS # 141868

06/01/2026

Mortgage Fact Monday

Not everyone gets the same interest rate—and that's completely normal.

Your credit score, down payment, loan type, occupancy, and even market conditions all play a role in determining your rate.

What's the biggest myth you've heard about mortgage rates? Drop it in the comments! 👇

05/11/2026

The house payment may stay the same… but the cash to close can change A LOT depending on the season.

Michigan summer tax season = higher closing costs for many homebuyers ☀️🏡

A lot of buyers are surprised when cash-to-close numbers jump this time of year — and property taxes are usually the reason.

If you’re planning to buy this summer, here’s what to expect before you get to the closing table

05/05/2026

5.0 star review received on Experience.com for Joel Koziol by Joshua L - 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.

Click to see all 131 reviews of Joel Koziol, Ruoff Mortgage, Senior Loan Officer | NMLS # 1539247 | Ruoff Mortgage NMLS # 141868

05/04/2026

Mortgage Fact Monday's (MF Monday's Right!)

In a state like Michigan, weather can delay things like driveways, grading, or exterior repairs…

But that doesn’t always mean your closing has to get pushed.

✔ Escrow holdbacks can allow you to close on time
✔ Funds are held back to finish the work later
✔ There are guidelines and limits to know

The key is planning ahead so there are no surprises.

Message me if you want to make sure your next deal stays on track.

04/21/2026

Think of this as your homebuying cheat sheet 📝
Save this for when you start talking to a lender!

04/20/2026

MF Monday's!!
Which hurts you more: your credit card or your mortgage?
Your future lender is watching how you pay your current home 👀

Reach out with questions!

04/14/2026

5.0 star review received on Experience.com for Joel Koziol by Melissa Y - Joel was wonderful to work with and was always available to provide reassurance during the challenging times.

Click to see all 129 reviews of Joel Koziol, Ruoff Mortgage, Senior Loan Officer | NMLS # 1539247 | Ruoff Mortgage NMLS # 141868

04/06/2026

5.0 star review received on Experience.com for Joel Koziol by Roberto M S - Exceptional customer service

Click to see all 128 reviews of Joel Koziol, Ruoff Mortgage, Senior Loan Officer | NMLS # 1539247 | Ruoff Mortgage NMLS # 141868

04/05/2026

For all you going to the beach for spring break, you will get no sympathy from me!!!