Skip to main content. Skip to contact links. Skip to navigation. If you wish for the loan officer to reach out to you, click to skip to their contact form. If you have questions for this loan officer, click to call them. If you need loan servicing, click to call our loan servicing department at 855-979-1084 Skip to footer navigation.
Justin Kozera

Justin Kozera

Market Leader
Movement Mortgage
NMLS ID # 1446275

Mortgage Calculator

Calculate your monthly payments

Use our free mortgage calculator to estimate your monthly mortgage payment, including principal, interest, taxes, and insurance. Understand how factors like your loan amount, down payment, and loan term affect your potential monthly mortgage payment and start planning for homeownership. With this tool, you can calculate a budget-friendly mortgage loan based on your mortgage rates.


John R, HOMEBUYER

"went smooth couldn't have been better way of doing business. Thanks for everything."

Jun 16, 2025

Karyn M, HOMEBUYER

"Step by step support for this first time single homebuyer. Seamless and prompt communication. A team that conveys both care and expertise, from every single person that touched my mortgage. Availability beyond compare. The electronic documentation system and online signing system worked perfectly. Kind reminders. I never felt like I was a bother, too ignorant, uninformed, or unimportant. Attention to details that I know are so important. I never felt hounded when additional information was required. Worked seamlessly with my realtor, a complimentary professional and yet personal relationship. Can't say enough good stuff!"

Jun 11, 2025

Shannon H, HOMEBUYER

"Justin was great. There were some issues with communication from the team regarding the loan. I was told the loan would not go through without 2 options occurring, which put me in a panic 24 days before I was supposed to move. I was not informed their may have been other loan options until I spoke with Justin. He worked really hard for this!"

May 22, 2025
Justin Kozera
Justin Kozera
Market Leader
Ready to learn more or get started? Complete the form and let’s connect.
69-R W Main St, Westminster, MD 21157
(opens in a new tab)
NMLS # 1446275

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