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Al Kozicky

Serving Florida and the surrounding areas

31095 Bergquist Dr. Pequot Lakes, MN 56468

Loan Officer NMLS #1019992 Apply Now

Purchase Quote

Get a free quote to purchase a home in as little as 10 minutes

Start Your Journey

Refinance Quote

Get a free quote to refinance your home in as little as 10 minutes

Start Your Journey

Free Consultation

Get a free consultation and speak to one of our loan officers today

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About Me

RecappingĀ the last 30 years in the mortgage industry , my expertise lies in residential mortgages and investment properties, guiding clients through the complexities of mortgage lending.

Working with clients andĀ involved parties, my focus is on delivering personalized financing options that align with client goals and investment strategies. Ā 

Our team focusesĀ on finding the best Home Mortgage program that caters to diverse financial scenarios, ensuring a smooth process for homeowners and investors alike.

My goal is to empower clients with knowledge and innovative solutions

Realize Your Homeownership Dreams

Purchase A New Home

The housing market is hot right now. That makes choosing the right mortgage company more important than ever. Gain an advantage on the competition by working with us.

Amazing Loan Options

Free Loan Evaluation

Obtain a Guaranteed Approval

Get Purchase Quote

Refinance Your Home

What does it mean to refinance your mortgage ? Refinancing your Mortgage is essentially replacing your current mortgage with a new one at different terms. Whether its to lower your rate, take out cash or consolidate bills, refinancing your mortgage can help improve your overall financial status.

Calculate Your Savings

Calculate HereĀ 

Get Pre-Qualified Home Refinance

Get Refinance Quote

Improve Your Financial Position

#Featured

Home Loan Programs

(Conventional, FHA, VA, USDA, Reverse, Jumbo)

Talk With Our Experts

#Calculate

Find Out What You Qualify For

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

* The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

Testimonials

Al goes out of his way to find you the best deal. He keeps you updated and works magic behind the scenes. Effortless transaction on the customer's part.

Ronald L

Extremely helpful, has your back and very informative. Their very knowledgeable and know what their doing. I wouldn't recommend anyone else. Go straight to them šŸ˜Š

Stephen T

I love working with Al. He always kept me informed throughout the refinance process. He is my go to guy and I wonā€™t use anyone else. Thanks Al!

Lisa L

I have known Al for almost 10 years. He help me and my spouse get a mortgage when we had a bankruptcy and foreclosure on our credit. We got in a contract for deed in 2012. But Al worked his magic and got us our own loan in 2016 only 4 years after the bankruptcy and foreclosure. Then when I divorced my ex and had to pay him equity from the house. Once again Al to my rescue he got me refinance and it was even at a better interest rate in 2020. Now he Al is working with me to hopefully get an investment property. My children have spoken with Al for advice too. Anytime I am sure what to do about mortgages Al is my only phone call. He always looks out for my best interest and helps every way possible!! He has been a savior for me

Jennifer S

After my divorce, I needed to refinance my home to pay my ex-husband his share of the equity. This process was very complicated, as the house was purchased in his name only, I had a recent job change, and my son moved back into the home with me to help with expenses. Al had done the original mortgage, so I went back to him to help me navigate this process. Al and his team utilized a Rapid Rescore program to assist with credit qualification, worked with the title company to ensure we had proper vesting on title to be able to add my son, and secured a conventional mortgage to allow me to settle the buyout of our marital agreement. With so many factors against us, I was so pleased to have Al and his team to overcome every obstacle and help us through the entire process with ease.

Molly Y

I still can hardly believe the miracle Al and his team achieved during the most difficult year of my life. They qualified me for a mortgage on my dream home even though my name was still on a jumbo loan for a property awarded to my ex-husband and another mortgage on an investment property awarded to me. Being a small-business owner can make qualifying more challenging, but Al and his team walked me through the process ā€“ and over several hurdles ā€“ with patience and determination. Thanks to Al, I was able to have peace of mind that Iā€™d be able to start the next chapter of life in not just a new residence, but a place I was thrilled to call home.

Lynn K

Highly recommend using Al and his team, if youā€™re self-employed and want options for qualifying in regards to documenting your income. Al, did the mortgage financing for our original house. Years later, we made another investment where Al helped us again to purchase our 2nd home or lake cabin. I have been self-employed in the logistics business for 15 years and recently purchased a warehouse to run the business out of. Al was able to give me financing options to raise the funds vs getting an SBA loan and avoid the business loan process. Al and his team, along with his investors have been a blessing.

Troy L

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