Mortgage Advisor

Tim Kozlowski

Mortgage Advisor NMLS# 219291 Licensed in IL

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(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.

See my reviews
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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

See what Tim's clients have to say

Jc B

I'm very much excited to trade with MRS KIRKLAND TINA, her platform is the best I've ever seen, do you know how profitable it is to received the sum of $7,000 as an interest from just $500 i used to start up my trading account?, i'm so much excited to be part of her platform right now.... come to think of it, this isn't my first time trading, i've been doped several time i tried to trade, because i traded with the wrong people, scammers and thieves...never lose hope on trading if you haven't trade with KIRKLAND, i hereby recommend madam KIRKLAND TINA as the rightful person for you to trade with, believe me you are going to come back and testify. Contact Mrs KIRKLAND TINA directly on her following details: Email:kirklandtina7@gmail.com WhatsApp: +1 (970)638-3982 ... Read More

Nov 03, 2022

Jc B

I'm very much excited to trade with MRS KIRKLAND TINA, her platform is the best I've ever seen, do you know how profitable it is to received the sum of $7,000 as an interest from just $500 i used to start up my trading account?, i'm so much excited to be part of her platform right now.... come to think of it, this isn't my first time trading, i've been doped several time i tried to trade, because i traded with the wrong people, scammers and thieves...never lose hope on trading if you haven't trade with KIRKLAND, i hereby recommend madam KIRKLAND TINA as the rightful person for you to trade with, believe me you are going to come back and testify. Contact Mrs KIRKLAND TINA directly on her following details: Email:kirklandtina7@gmail.com WhatsApp: +1 (970)638-3982 ... Read More

Nov 03, 2022

John L

I have worked with Tim Kozlowski on multiple home purchases and refis and he is the best mortgage guy I’ve ever encountered. I’ll continue to use him exclusively in the future.

Oct 22, 2022

Ibrahim B

I highly recommend Mrs Brenda William to everyone looking for Forex and Bitcoin trader. Words can't describe the wonderful work you did on my trading account, I am delighted I trusted you and gave you a chance to help grow my $1000 in to $13,000 in just a week, Richard my family and I are forever indebted to you for the financial stability you brought to our home, I advice the entire public to invest with Mrs Brenda William contact her via WhatsApp:+1 (925) 587-4914 Email:brendawilliam784@gmail.com. ... Read More

Jul 13, 2022

Ibrahim B

I highly recommend Mrs Brenda William to everyone looking for Forex and Bitcoin trader. Words can't describe the wonderful work you did on my trading account, I am delighted I trusted you and gave you a chance to help grow my $1000 in to $13,000 in just a week, Richard my family and I are forever indebted to you for the financial stability you brought to our home, I advice the entire public to invest with Mrs Brenda William contact her via WhatsApp:+1 (925) 587-4914 Email:brendawilliam784@gmail.com. ... Read More

Jul 13, 2022

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

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.”

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