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.
Reply from Joel Koziol, Ruoff Mortgage
October 12th, 2026 01:56 PM
Thanks for the great review Alishia! I was so happy to get this done for you, and with that great rate through MSHDA! :) Let me know if you ever have any questions, I'm ALWAYS here to help!