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Tim Kozlowski

Sales Manager

Joliet
NMLS # 219291
350 Houbolt Road, STE 206
Joliet, IL 60431

About Tim

Tim Kozlowski is a Sales Manager and Senior Loan Originator with more than 16 years in mortgage loan origination experience. Tim began his origination career in 2003, successfully navigating through turbulent housing market activity and cementing his spot among mortgage professionals. Tim's knowledge and experience will help you through the loan process. He can find the terms that are right for your budget and make sure all the legalities are competently handled so that the closing goes smoothly for your new home.

Whether you’re a first-time homebuyer, looking to trade up, deciding to downsize, or simply wishing for a change, Tim will help you take charge of the transaction before you ever make an offer on a property. He and his team can sit down with you and look over your budget, income, and savings to help you get a clear picture of what type and amount of loan is realistic for your situation. He will also work directly with your realtor/real-estate agent to ensure the offer/contract line up with those goals. There are many factors to consider when getting a home loan, and. Tim will help you consider all your options so you can concentrate on making the best decision for you and your family's needs.

The financial aspects of homebuying can be stressful and overwhelming, but they don’t have to be if you have a trained and caring professional like Tim working to help you get a mortgage. Contact Tim Kozlowski today and get started making your home-ownership dream come.

Loans Offered

Novus Home Mortgage, a division of Ixonia Bank, offers the most diverse set of loan products in the industry. No matter what situation you may face, we set you up for one thing: to help a family get into a home. Novus Home Mortgage has the product mix for every customer.  

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Conventional
  • Direct Freddie Mac
  • FNMA Direct
  • Freddie Home Possible
  • Fannie Mae HomeReady
  • Aggregators and Minimum FICO 620
Government
  • FICO 620
  • FHA Purchase & Streamline
  • FHA Standard
  • VA Standard
  • FHA High Balance
  • VA High Balance
  • USDA
  • VA Purchase & IRRL
  • Jumbo
  • Fixed Loan Programs
Jumbo Loan Investors
  • Chase
  • Pen Fed
  • TIAA
  • US Bank
  • Bayview

Happy woman sitting at a table with a laptop

Loan Officers

Our dedicated team of loan officers works to create a streamlined process from application to closing. Loan officers are committed to understanding a customer’s long-term and short-term goals, and they will create a lending experience designed specifically for you.

Meet THE TEAM

The dedicated team of support staff works to create a streamlined process from application to closing. They are committed to understanding a customer’s long-term and short-term goals, and they will create a lending experience designed specifically for you.

SIMPLE. DIGITAL. OUR 5-STEP LOAN PROCESS.

Make your homeownership dreams a reality when you work with our experienced loan officers. Follow our step-by-step guide from your loan pre-approval, home search with your realtor, home appraisal, and insurance process to your mortgage close. These 5-steps layout the mortgage loan process to owning your new home and opening the door to a new world of possibilities.

Don't Just Take Our Word For It.

Questions? Ask Tim!

NMLS # 219291
Joliet, IL 60431

Get Started With Tim Kozlowski

Tim Kozlowski Headshot

Tim Kozlowski is a Sales Manager and Senior Loan Originator with more than 16 years in mortgage loan origination experience. Tim began his origination career in 2003, successfully navigating through turbulent housing market activity and cementing his spot among mortgage professionals. Tim's knowledge and experience will help you through the loan process. He can find the terms that are right for your budget and make sure all the legalities are competently handled so that the closing goes smoothly for your new home.

Whether you’re a first-time homebuyer, looking to trade up, deciding to downsize, or simply wishing for a change, Tim will help you take charge of the transaction before you ever make an offer on a property. He and his team can sit down with you and look over your budget, income, and savings to help you get a clear picture of what type and amount of loan is realistic for your situation. He will also work directly with your realtor/real-estate agent to ensure the offer/contract line up with those goals. There are many factors to consider when getting a home loan, and. Tim will help you consider all your options so you can concentrate on making the best decision for you and your family's needs.

The financial aspects of homebuying can be stressful and overwhelming, but they don’t have to be if you have a trained and caring professional like Tim working to help you get a mortgage. Contact Tim Kozlowski today and get started making your home-ownership dream come.

Have Questions?
WE Have Answers.

  (844) 337-2548
  info@novushomemortgage.com