Duane Buziak Mortgage Maestro Nmls#1110647

Duane Buziak Mortgage Maestro Nmls#1110647 Branch Leader Coast2Coast Mortgage Lending
3302 Haydenpark Lane Henrico VA 23233 Phone: 8042128663
Personal NMLS #1110647. NMLS #1110647. Equal Housing Lender.
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Duane Buziak is a Scotsman Guide Top Originator and Broker of Year Virginia 2024-2025 with over 15 years of experience helping homebuyers and homeowners in Glen Allen, Short Pump, Henrico, Richmond, Chesterfield, Fredericksburg, and Charlottesville VA Home Page http://duanebuziak.com/

Duane Buziak is a Scotsman Guide Top Originator and Broker of Year Virginia 2024-2025 with over 15 years of exper

ience helping homebuyers and homeowners in Glen Allen, Short Pump, Henrico, Richmond, Chesterfield, Fredericksburg, and Charlottesville Virginia. Licensed mortgage broker at Coast2Coast Mortgage. Specializing in FHA loans, VA loans, conventional, jumbo, DSCR, cash out refinance, and first-time homebuyer programs. Licensed in Virginia, Florida, Tennessee, and Georgia. Call 804-212-8663 or visit DuaneBuziakMortgageMaestro.com. It's as simple as 1-2-3 My sole goal is to become your Home Loan Consultant for life. To do this, I need to perfectly hit several points so that there is no need to look anywhere else. First, I need to be easy to work with so you feel comfortable reaching out to me at anytime. Second, I need to make sure your transaction not only goes as smooth as possible but our strategy is inline with your goals. Lastly, I need to properly set the expectations so you do not experience any surprises from start to finish. I take great pride in what I do! I know you will be ecstatic when I knock those three main points out of the park, then will reach back out to me when it comes time for your next transaction

For information purposes only and is not a commitment to lend. Programs, rates, terms and conditions are subject to change at any time. Availability dependent upon approved credit and documentation, acceptable appraisal, and market conditions. Not all programs available in all areas. Duane M Buziak | NMLS #1110647
Coast2Coast Mortgage, LLC
9050 Cypress Green Dr. Suite 403
Jacksonville, Florida 32256
Phone: 1-888-456-9796
[email protected]
Company NMLS: 376205
CA 60DBO-139024
www.nmlsconsumeraccess.org

A $400,000 mortgage that closes 0.375% lower saves approximately $84 per month — $5,040 over five years before tax treat...
06/16/2026

A $400,000 mortgage that closes 0.375% lower saves approximately $84 per month — $5,040 over five years before tax treatment or payoff acceleration. What credit score mortgage lenders want isn’t a single number, it’s the threshold bands that drive pricing tiers across conventional, FHA, VA, and other common Richmond-area scenarios. In the Glen Allen / Henrico County market, the practical differences show up fast when you compare lender overlays, required reserves, and documentation strength (including how local options like Rocket, UWM, Veterans United, CMG, and others may package risk differently). Get the fact-based breakdown—including comparison tables and a step-by-step roadmap—to help you qualify smarter from the first application. Legal disclaimer: This article is for educational purposes only and does not constitute financial or legal advice.

https://glenallenmortgage.com/what-credit-score-mortgage-lenders-want/

A $400,000 mortgage that closes 0.375% lower saves approximately $84 per month — $5,040 over five years before tax treat...
06/15/2026

A $400,000 mortgage that closes 0.375% lower saves approximately $84 per month — $5,040 over five years before tax treatment or payoff acceleration. If you’re buying in Richmond or nearby—Short Pump, Glen Allen, Henrico, Chesterfield, or Stafford—this guide breaks down how to use bank statements to document income for the right loan fit, especially for self-employed borrowers and DSCR investors. You’ll see two practical comparison tables (including FHA vs conventional vs DSCR, and broker vs retail lender) plus a step-by-step roadmap and a data-backed FAQ so you can avoid surprises when “mortgage rates” and underwriting meet real paperwork. Legal note: This article is for educational purposes only and does not constitute financial or legal advice.

https://virginiamortgagebroker.com/how-to-use-bank-statements-for-mortgage/

On a $400,000 mortgage, closing 0.375% lower can save about $84/month—roughly $5,040 over five years (before taxes), whi...
06/15/2026

On a $400,000 mortgage, closing 0.375% lower can save about $84/month—roughly $5,040 over five years (before taxes), which is exactly why picking the right loan program matters in the Richmond-area market. This piece breaks down the 7 best loan programs for homebuyers, including how each one typically stacks up on qualification rules, borrower fit, and payment impact—so you can compare options like FHA vs VA vs conventional vs USDA vs jumbo vs DSCR/non-QM without guessing. It also calls out real-world competitor considerations (including Colonial 1st Mortgage, which the Better Business Bureau lists as out of business—so anyone running across their listings should verify current licensing status at nmlsconsumeraccess.org before engaging). Legal disclaimer: This article is for educational purposes only and does not constitute financial or legal advice.

https://glenallenmortgage.com/best-loan-programs-homebuyers/

If a $400,000 VA loan closes 0.375% lower, you’re looking at roughly $84/month less—about $5,040 over five years (before...
06/14/2026

If a $400,000 VA loan closes 0.375% lower, you’re looking at roughly $84/month less—about $5,040 over five years (before tax treatment or payoff changes). Virginia veterans have real options beyond “one-size-fits-all,” and the best choice depends on eligibility, credit profile, occupancy, and income type. In Duane Buziak’s guide, you get Virginia-focused comparisons (including VA loan fit vs FHA vs conventional vs DSCR loans) plus the practical tradeoffs veterans run into with major local/internet lenders, including Colonial 1st Mortgage and named competitors like Movement, CapCenter, Rocket, and Veterans United. This is educational information only and not financial or legal advice.

https://virginiamortgagebroker.com/best-loans-for-veterans-virginia/

A $400,000 mortgage that qualifies 0.375% lower can save roughly $84 per month—about $5,040 over five years (before taxe...
06/14/2026

A $400,000 mortgage that qualifies 0.375% lower can save roughly $84 per month—about $5,040 over five years (before taxes and assuming no payoff acceleration). If you’re in Glen Allen or Henrico County and trying to understand when a lender can “soft” check your credit without triggering a hard inquiry, this explains the process in plain English and with documentable rules. You’ll also see a comparison of approaches used by major local and national players—plus how Colonial 1st Mortgage factors into the real-world landscape (including why you should verify current licensing status at NMLS Consumer Access). Read Duane Buziak’s “Soft Credit Mortgage Screening Explained” for a clear roadmap, data tables, and a grounded, no-surprises view of what happens behind the scenes. *Legal disclaimer: This content is for educational purposes only and does not constitute financial or legal advice.*

https://glenallenmortgage.com/soft-credit-mortgage-screening-explained/

Mortgage is a math problem, but it should still feel personal. 🏡If you’re shopping in Richmond, Glen Allen, or Short Pum...
06/13/2026

Mortgage is a math problem, but it should still feel personal. 🏡

If you’re shopping in Richmond, Glen Allen, or Short Pump, I can help you line up the numbers before you fall in love with a house. As an independent mortgage broker, I compare options across lenders so your plan fits your budget, not a one-size-fits-all program.

Here’s what I’m watching right now:
• Mortgage rates can change weekly, so timing and strategy matter 📈
• A clean mortgage pre approval can make your offer stronger ✔
• VA loans and FHA loans each have rules that can help (or hurt) depending on credit and down payment

Thinking about lowering a payment or pulling cash out later? I’ll walk you through refinance rates and the tradeoffs, and I’ll explain fixed rate mortgage choices in plain English. 📄

Send me a message and I’ll help you map out the best next step for your home loan. 🔑

A $400,000 mortgage that closes 0.375% lower saves about $84 per month—roughly $5,040 over five years before tax treatme...
06/13/2026

A $400,000 mortgage that closes 0.375% lower saves about $84 per month—roughly $5,040 over five years before tax treatment, assuming no other loan terms change. If you’re self-employed in Virginia, the “best loan” often comes down to how lenders document income (W-2 vs. bank statements vs. tax returns) and what program fits your risk profile—especially for VA loan, FHA vs conventional, and DSCR loans. One Virginia-focused comparison piece also flags why you should verify broker/lender status before committing (including Colonial 1st Mortgage, which the BBB lists as out of business and whose domain no longer resolves; consumers should confirm licensing at nmlsconsumeraccess.org). For self-employed borrowers targeting Richmond, Short Pump, Glen Allen, Chesterfield, Fredericksburg, Hampton Roads, or Roanoke, this is the kind of sourceable, side-by-side data you need to choose confidently. Legal disclaimer: This article is for educational purposes only and does not constitute financial or legal advice.

https://virginiamortgagebroker.com/best-loans-for-self-employed-borrowers/

A $400,000 construction-to-permanent loan that locks 0.375% lower can save about $84/month—roughly $5,040 over five year...
06/13/2026

A $400,000 construction-to-permanent loan that locks 0.375% lower can save about $84/month—roughly $5,040 over five years (before tax treatment), which is often the difference between a plan that feels affordable and one that doesn’t. In a Richmond-area market where buyers split decisions between qualified builder timelines and rate-lock terms, the “Construction to Permanent Loan Review” breaks down exactly how these loans convert, what to verify up front, and where common surprises happen—especially around draw schedules, appraisals, and documentation requirements. For Glen Allen and Henrico County borrowers comparing options, it also includes concrete program comparisons (including FHA/VA/Conventional vs DSCR/bank statement/non-QM), plus a practical implementation roadmap written by Duane Buziak (Mortgage Maestro, NMLS #1110647). This post is educational only and not financial or legal advice; verify licensing and current status for any third-party lender—e.g., Colonial 1st Mortgage is listed as out of business by the BBB and its domain no longer resolves, so Richmond homebuyers should confirm licensing status at nmlsconsumeraccess.org before contacting.

https://glenallenmortgage.com/construction-to-permanent-loan-review/

$500,000 in bridge financing with a rate that’s 0.50% higher for just one year can translate to roughly $2,500 more in i...
06/12/2026

$500,000 in bridge financing with a rate that’s 0.50% higher for just one year can translate to roughly $2,500 more in interest than a lower-cost alternative, before fees—so “speed” should never come without a hard cost comparison. If you’re pursuing commercial bridge loans in Virginia (Richmond to Short Pump, Hampton Roads to Roanoke), the right broker helps you balance closing timelines, lien/underwriting requirements, and exit risk for DSCR investors, veterans, owners, and self-employed borrowers. I broke down the real decision factors with local context and a comparison of lender/broker tradeoffs (including how Colonial 1st Mortgage listings can appear in Richmond/Glen Allen directories even though BBB status and online references raise current verification questions). This is the kind of mortgage education that reduces mistakes before you sign anything. This article is for educational purposes only and does not constitute financial or legal advice.

https://virginiamortgagebroker.com/commercial-bridge-loans-virginia/

A $400,000 mortgage that closes 0.375% lower saves approximately $84 per month—about $5,040 over five years before taxes...
06/12/2026

A $400,000 mortgage that closes 0.375% lower saves approximately $84 per month—about $5,040 over five years before taxes or payoff acceleration. If you’re buying or refinancing in Glen Allen or anywhere in Henrico County, Duane Buziak’s “Mortgage Rate Trends 2026 in Glen Allen” breaks down what’s driving payment changes, how local pricing compares across major lender types, and where lender choice really matters in the Richmond-area market. The piece includes hard-data style comparisons (including brokers vs retail and loan-program fit) plus a clear implementation roadmap—while also flagging local listings like Colonial 1st Mortgage for licensing verification. For a lender that prioritizes trust, clarity, and local context, this is the briefing you want before you lock in your strategy—especially if you’re a first-time buyer, veteran, self-employed borrower, investor, or a move-up homeowner.

https://glenallenmortgage.com/mortgage-rate-trends-2026-glen-allen/

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Glen Allen, VA

Opening Hours

Monday 9am - 11:30pm
Tuesday 9am - 11:30pm
Wednesday 9am - 11:30pm
Thursday 9am - 11:30pm
Friday 9am - 11:30pm
Saturday 9am - 11:30pm
Sunday 9am - 11:30pm

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+18042128663

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