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Monday 8am - 5pm Tuesday 8am - 5pm Wednesday 8am - 5pm Thursday 8am - 5pm Friday 8am - 5pm

Joel Koziol - Senior Loan Officer nmls#1539247

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United States
Spring Lake, MI
Joel Koziol - Senior Loan Officer nmls#1539247

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Senior Loan Officer | NMLS #1539247

11/03/2026

Official new digs in Grand Haven!

11/02/2026

Tired of your credit score acting like it has a personal vendetta? A few steady moves can make a real difference before you start the homebuying process.

We walk through what actually moves the needle—paying down balances, fixing old errors, and setting up simple autopays—so you’re not guessing. One buyer even found an ancient gym membership that had been quietly tanking his numbers for years.

The biggest watch-out? Waiting until you’re already house hunting to check. Start early and you’ll have way more options when the right place pops up.

DM me “CREDIT” and I’ll walk you through it.

Local to Grand Haven, Grand Rapids, West Michigan, Jenison, Muskegon, and Hudsonville.

Joel Koziol | Equal Housing Opportunity

Blog post "how-to-improve-your-credit-score-before-mortgage-pre-approval-in-grand-haven-grand-rapids-west-mic" in location "joelkoziol"

10/26/2026

Check me out in this fun adventure.

10/23/2026

Looking for something to do this weekend around Grand Rapids? Check this out!
For the Lakeshore people, Bra's For a Cause is happening tonight at the Trillium in Spring Lake, tickets are still available. Reach out if you have questions!

Every week we'll share the fun weekend events happening near you! We would love to know which events you attend. Please feel free to share your photos with us!

10/19/2026

Tired of guessing on mortgage rates? Here's the honest take on buying now versus waiting for 2026—plus why treating yourself to a home might beat waiting for the "perfect" moment. Local to Grand Haven, Grand Rapids, West Michigan, Jenison, Muskegon, and Hudsonville.

Blog post "tired-of-guessing-on-mortgage-rates-heres-the-honest-take-on-buying-now-versus-waiting-for-2026pl" in location "joelkoziol"

10/16/2026

Are walls making a comeback? After years of open-concept living, some homeowners are rediscovering the appeal of separate rooms, closed-off kitchens, and a little more privacy. What do you prefer: open floor plans or separate rooms?

After years of open-concept living, some homeowners are rediscovering the appeal of separate rooms, closed-off kitchens, and a little more privacy.

10/12/2026

Tired of house hunting feeling like a part-time job with surprise plot twists? A buyer's agent can turn chaos into clarity—especially on those "needs TLC" gems.

Blog post "the-role-of-a-buyers-agent-do-you-really-need-one" in location "joelkoziol"

10/12/2026

5.0 star review received on Experience.com for Joel Koziol by Alisha V - Joel was great to work with! As a first time home buyer I had many questions and he was always quick to respond and I felt that he always had my best interest in mind.

Read more: https://experience.com/reviews/joel-koziol-406292/6afaa26b-d01f-4167-b108-31537cf6441b?V=1791805021&utm_source=facebook&utm_medium=autopost&utm_content=13742567

09/21/2026

MSHDA has changed it's rates! Still a great program!

09/18/2026

From apple-picking and visiting corn mazes, to baking a pumpkin-flavored treat, make the most out of this autumn with this Ultimate Fall Bucket List!

Make the most out of this fall season with this ultimate fall bucket list!

Address

Spring Lake, MI
49301

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+16168211389

Website

https://apply.ruoff.com/joelkoziol

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