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Justin Kozera

Justin Kozera

Market Leader
Movement Mortgage
NMLS ID # 1446275
Mortgage Affordability Calculator

How Much House Can You Afford?

Buying a home is one of the biggest financial decisions you’ll make. Our Mortgage Affordability Calculator helps you estimate how much house you could afford based on your income, debts, and other factors. Get a clear picture of your homebuying budget before you start searching for your dream home.


Barbara B, HOMEBUYER

"Simple instructions. Good communication and interractions. Very personable and professional staff. Even though we were over 100 miles away, everything went smoothly."

Apr 24, 2025

Arlene V, HOMEBUYER

"I recently refinanced my home loan with Justin Kozera at Movement Mortgage and the entire experience was outstanding from start to finish! Justin made the process incredibly smooth, fast, and stress-free. From our first conversation, he was professional, knowledgeable, and genuinely committed to finding the best option for my situation. We ran into some snags along the way and he was there ready to assist us in resolving them. What I like most about Justin is that he is always available to answer my questions and kept me updated at every step. What really stood out was how quickly everything moved much faster than I expected! Justin and his team were efficient, responsive, and on top of every detail, which made all the difference. If you're considering refinancing or need help with any mortgage needs, I can't recommend Justin Kozera highly enough. He made what can sometimes be a daunting process feel easy and even enjoyable. Thank you, Justin, for your outstanding service!"

Apr 15, 2025

Angelo D, HOMEBUYER

"When I was just a little kid, I’d sit by the window, staring out at the world, dreaming of one day owning a condo. Some kids wanted to be astronauts or superheroes — I just wanted a condo fee and a parking spot. Fast forward to today, thanks to Justin and the team, that dream has become a reality. Not only did they make the process smoother than a jazz sax solo, but they also managed to make the paperwork almost fun (which I thought was impossible). If you’re looking for a lender who delivers more than just loans — they deliver lifelong dreams — look no further. Now excuse me while I go stare at my deed like a proud parent."

Apr 13, 2025
Justin Kozera
Justin Kozera
Market Leader
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69-R W Main St, Westminster, MD 21157
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NMLS # 1446275

State License #DE-MLO-1446275, FL-LO60579, MD-1446275, VA-MLO-31354VA, PA-63595