Mortgage Advisor

Tim Kozlowski

Mortgage Advisor NMLS# 219291 Licensed in IL

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4.9
(30 reviews)
(708) 567-2380 Tim.Kozlowski@PreferredRate.com

20635 Abbey Woods Court, Ste 301
Frankfort, IL 60423
Branch License Number #1974129

About Tim Kozlowski

Your mortgage is personal, and I understand that.

Branch Manager and Senior Loan Originator with more than 18 years of experience in lending/home financing. Since 2003, I have been successfully navigating clients through the turbulent housing market with my #1 goal being to exceed expectations.
Branch Manager and Senior Loan Originator with more than 18 years of experience in lending/home financing. Since 2003, I have been successfully navigating clients through the turbulent housing market with my #1 goal being to exceed expectations.

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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans
Buy a home Refinance

See what Tim's clients have to say

Abby R

Tim is extremely knowledgeable. He took the time to explain everything to my husband and I when it came to buying our first home. He was easy to get ahold of and responded to us immediately. We would recommend Tim to anyone and will be passing his information along to family and friends. ... Read More

Apr 21, 2022

Ryan P

Tim was great & easy to work with. Our closing date was expedited to less than 30 days & he went above and beyond to make sure we were staying on track. The loan approval & closing were a breeze! Would defiantly recommend!

Apr 20, 2022

Sean M

Quick and easy refinance. Very transparent and easy to do business with.

Apr 04, 2022

Dustin L

Tim and preferred rate did a great job from start to finish refinancing my home. They were very friendly to work with and helped make the process go smooth.

Mar 09, 2022

Jamie Alberico H

Tim is extremely knowledgeable and always goes above and beyond to assist my clients. I would highly recommend him to anyone needing mortgage financing.

Jan 21, 2020

Cindy B

I recommend Tim very highly. He will take you through the loan process without stress. A true professional.

Sep 21, 2018

Laura Walaski K

Always top notch professional service

Sep 21, 2018

Terri T

Tim & his team are so dedicated to their clients, & get the job done smoothly! Once a pre approval letter was needed for my client, even though he was at the hospital he still sent it out remotely.... My clients will never forget that and neither will I ! Thanks Tim! ... Read More

Jun 29, 2017

james v

Tim Kozlowski is outstanding. I am a real estate investor and I have experienced a significant number of agents, brokers and banks in the recent past. Tim was responsive, day or night, weekend or weekday …available when I needed him, and made the process as seamless as possible. He managed the process thoroughly from tip to tail. I never had to chase him up for status because he was always a step ahead of me and fully transparent with the steps of the process. He is clearly an expert in his field of work and made me feel confident that I was working with the best throughout the process. Tim listened to my needs and priorities and it's rare and refreshing to work with a service professional who has mastered the art of listening to the customer ….regardless of how quirky, demanding or reasonable my needs. I *highly* recommend Tim. ... Read More

Nov 15, 2014

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equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2022 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

Licensed by the Dept. of Business Oversight under the CRMLA.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ Corp BK 1014819. CA DRE #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 2941/164. Licensed under the Oregon Consumer Finance Act.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – Residential Mortgage Banking | 100 West Randolph St, 9th Floor | Chicago, Illinois 60601 | (844)768-1713

Licensed by the Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”