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NMLS #2072896

The Drew Kozel Team is built on one simple belief. Mortgages should make sense.

Led by Drew Kozel, our team focuses on clear education, honest guidance, and real plans. No sales pressure. No industry jargon. And no mystery math that leaves you guessing.

We specialize in helping borrowers with complex situations, especially self-employed borrowers with write-offs, retirees exploring reverse mortgage options, and individuals navigating home financing during or after divorce. These are the scenarios where most lenders get uncomfortable. This is where we do our best work.

That said, we also help buyers using conventional, FHA, and VA loan programs. Whether your situation is straightforward or layered, our process stays the same. Explain the options. Clarify the trade-offs. Build a plan that actually fits your life.

If you can’t qualify today, we don’t shut the door. We map out a clear path forward so you know exactly what needs to happen next.

Our approach is simple and transparent. We break everything down in plain English, focus on what actually matters, and guide you step by step so you stay in control of the process. Clients often tell us they feel calmer, more confident, and finally understand their financing after just one conversation.

At the end of the day, our job is simple.
Help you understand your choices.
Avoid costly mistakes.
And move forward with clarity.

No hype.
No confusion.
Just a smarter way to approach home financing.