Skip to content

Tim Kozlowski

Apply with TimLogin with Tim

Simple. Digital. Smart.

Tim Kozlowski

Sales Manager

NMLS #219291


350 Houbolt Road, STE 206
Joliet, Illinois, 60431

Email Tim

Tim's App

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.

Our Why

No matter where you’ve been, there really is no place like home. And for most of us, homeownership is a huge part of the American Dream. Whether you dream about owning your first home or your third, we want your dream to become a reality—which is why we’ve made buying a home easier than ever.

Our How

We have experienced loan officers, sure to make the process easier for you. We also use the latest technologies to remove or diminish the typical paperwork and speed up the process. Plus, we guarantee we’ll close your loan on time. In short, we’ve created a smarter, simpler way to get a mortgage.

Loan Programs

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.


  • FHA 580 FICO
  • FHA Standard
  • FHA High Balance
  • FHA 203k Streamlines
  • USDA
  • VA Purchase
  • FHA No Down Payment

Niche Programs

  • ITIN
  • Fresh Start
  • Bank Statement
  • Homeowner Access
  • Foreign National
  • Non-Warrantable Condo
  • Non-Prime
  • Portfolio Select
  • Doctor Loan Program
  • Jumbo Loans


  • Direct Freddie Mac
  • Direct Fannie Mae
  • Fannie DU Refinance Plus
  • Freddie Open Access
  • Fannie Homestyle
  • Fannie Mae Home Ready
  • Freddie Your Path
  • Ginnie Mae

Make your dream a reality

Get pre-approved online in under 20 minutes.

20935 Swenson Dr. Ste. 420, Waukesha, WI 53186

Toll Free (844) 337-2548.

LoansLoan OfficersManage Loan

Equal Housing Lender. Novus Home Mortgage is a division of Ixonia Bank, NMLS #423065.

© 2006 – 2024 Novus Home Mortgage | Privacy Policy | Texas Consumer Complaint