When will I know my mortgage rate?

After you receive your pre-approval letter, you’ll have an idea of current rates based on your qualifications. However, your rate isn’t officially locked until you choose to lock it in – and that lock is only valid for a set number of days. I’ll help you monitor the market and decide the best time to lock your rate with confidence.

What does a mortgage calculator do?

A mortgage calculator gives you a clearer picture of what you can afford by estimating your monthly payment based on home price, down payment, interest rate, and more. It’s a great starting point to help you plan your budget and feel more prepared as you begin your home search.

What credit score do I need to qualify for a mortgage?

The credit score required to buy a home differs based on the type of loan you’re applying for. But in general, the higher your score is, the easier it will be to get a great mortgage loan and a better interest rate.

What documents do I need to apply for a mortgage?

You will generally need to provide proof of income (pay stubs, W-2s), two months of bank statements, tax returns (if self-employed), and a photo ID. These documents verify your financial standing for pre-approval.

Joel Koziol | Mortgage Loan Officer

Background Image with a decorative green wall inside a house, a couch, and two plants on each side of the couch.

Joel Koziol

Senior Loan Officer

NMLS: 1539247

The right home begins with the right person by your side. I'll be with you from pre-approval to the closing table.

Read full bio

Apply Now Call Joel

99.35%

Customer Satisfaction Score.

Awards

Proudly serving Michigan

Meet our happy homeowners***

View All Testimonials

David R.

Norton Shores, MI, Jul 16, 2026, 9:41 PM

Joel did a great job communicating and keeping us informed throughout the process. Would highly recommend Joel!

MacKenzie V.

Holland, MI, Jul 2, 2026, 3:31 PM

Joel got it done! Thank you for making this home buying process possible and seamless.

Felisha S.

MUSKEGON, MI, Jun 9, 2026, 5:05 PM

Everything from start to closing, Joel was excellent!!

Joshua L.

TWIN LAKE, MI, May 5, 2026, 7:43 PM

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.

Melissa Y.

Grand Rapids, MI, Apr 14, 2026, 3:10 PM

Joel was wonderful to work with and was always available to provide reassurance during the challenging times.

Roberto Marcos S.

Holland, MI, Apr 6, 2026, 4:09 PM

Exceptional customer service

David R.

Norton Shores, MI, Jul 16, 2026, 9:41 PM

Joel did a great job communicating and keeping us informed throughout the process. Would highly recommend Joel!

MacKenzie V.

Holland, MI, Jul 2, 2026, 3:31 PM

Joel got it done! Thank you for making this home buying process possible and seamless.

Felisha S.

MUSKEGON, MI, Jun 9, 2026, 5:05 PM

Everything from start to closing, Joel was excellent!!

Joshua L.

TWIN LAKE, MI, May 5, 2026, 7:43 PM

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.

Melissa Y.

Grand Rapids, MI, Apr 14, 2026, 3:10 PM

Joel was wonderful to work with and was always available to provide reassurance during the challenging times.

Roberto Marcos S.

Holland, MI, Apr 6, 2026, 4:09 PM

Exceptional customer service

Aidan J. W.

Cedar Springs, MI, Dec 10, 2025, 12:03 AM

Joel absolutely rocked it during the process! He is phenomenal to work with!!!

Bobby J R.

Niles, MI, Nov 14, 2025, 6:39 PM

My loan officer Joel was very helpful. with getting the process completed with limited inconveniences to myself .

Jordon K.

Ravenna, MI, Nov 3, 2025, 9:56 PM

Always available if I needed any help or had any questions

Amy D S.

Whitehall, MI, Oct 9, 2025, 3:17 PM

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 referred him to a friend!!

Jillian K A.

Zeeland, MI, Oct 1, 2025, 1:41 PM

Joel was very attentive and was so great to work with. His communication was excellent and he made our experience seamless.

Stephen A J.

Grand Haven, MI, Sep 16, 2025, 3:19 PM

I was kept in the loop the entire time.

Katharine K.

Wyoming, MI, Jun 2, 2025, 3:19 PM

Loan was cleared to close in 8 days!! Joel did amazing!

Aidan J. W.

Cedar Springs, MI, Dec 10, 2025, 12:03 AM

Joel absolutely rocked it during the process! He is phenomenal to work with!!!

Bobby J R.

Niles, MI, Nov 14, 2025, 6:39 PM

My loan officer Joel was very helpful. with getting the process completed with limited inconveniences to myself .

Jordon K.

Ravenna, MI, Nov 3, 2025, 9:56 PM

Always available if I needed any help or had any questions

Amy D S.

Whitehall, MI, Oct 9, 2025, 3:17 PM

Jillian K A.

Zeeland, MI, Oct 1, 2025, 1:41 PM

Joel was very attentive and was so great to work with. His communication was excellent and he made our experience seamless.

Stephen A J.

Grand Haven, MI, Sep 16, 2025, 3:19 PM

I was kept in the loop the entire time.

Katharine K.

Wyoming, MI, Jun 2, 2025, 3:19 PM

Loan was cleared to close in 8 days!! Joel did amazing!

Calculate Based on Your Individual Needs

Purchase Calculator

Property Costs

Home Price

Down Payment

Property State

Monthly Property Tax

Home Insurance / mo.

HOA / mo.

Loan Details

Loan Type

Length of Loan

Credit Score Range††

Interest Rate

Est. Monthly Payment†

$770.00

Principal & Interest

$770.00

Property Taxes

$0.00

Home Insurance

$0.00

HOA Fees

$0.00

PMI

$0.00

Total Monthly

$770.00

Apply Now

A Bit About Me

I've spent the past 10 years helping first-time homebuyers and move-up buyers in West Michigan and the Lakeshore secure financing that fits their lives and budgets. I keep every step straightforward with clear communication, whether we're exploring FHA, conventional, or bank statement loans. My background lets me break down the numbers without the overwhelm so you always know where you stand. Building steady relationships with realtors and partners through lunch meetings, networking, and social media videos helps me deliver consistent, personal service every time. If you're ready to explore your next move or just want an honest conversation about your options, let's connect.