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Thanks for stopping by. About Justin Kozera ...


Justin Kozera

Loan Officer

About Justin

Justin Kozera, 26, Top 1% of Mortgage Professionals in the entire country, is ready to be at your service. Justin got in the mortgage business back in 2016, and in two short years he has managed to build a highly successful business that is continuing to help thousands of clients achieving their home financing goals. Justin currently works at Movement Mortgage, providing his clients with a variety of loan programs including Conventional, VA, FHA, USDA, Renovation & more. His niche however, resides in financing Condos.

The Kozera Team

The Kozera Team started in 2018, two years after Justin started in the Mortgage industry. Justin is joined by Nancy, Stacy and Heather. Nancy Marshall, is a licensed LO with 8 years of experience, assists in structuring deals, and providing endless support for Borrowers and Real Estate Agents during the loan process. Stacy Payne, is a Junior LO that assists in collecting all necessary documents from Borrowers, submitting files to Underwriting, and providing weekly loan status updates to Borrowers and Real Estate Agents. Heather Bonsal, is a Loan Processor that assists in collecting conditions required by Underwriting to help close each deal quickly and efficiently. Together, the team works effectively to ensure exceptional service to all of their clients.


Justin was recognized as the Top 1% of Mortgage Professionals in the country after only two short years in the business. Simultaneously, Justin qualified for Movement Mortgage President’s Club two years in a row (2018 and 2019). Additionally, The Kozera Team is currently named the #1 Condo Team in the entire country.

More than Mortgages

When he isn’t serving his clients, Justin enjoys spending time outdoors and playing sports. He was a Division 1 athlete in college and will always have a special place in his heart for Wrestling. Above all, Justin is a family man who loves spending quality time at home. He is currently living in Berlin, Maryland with his wife Alexandria, their newborn daughter Riley and three dogs Kemper, Kali and Champ.

“My WHY is to give my wife and family the best possible life while also getting to help families make their homeownership dreams come true, and saving them money while doing so” -Justin Kozera

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