TJ Kuczewski - Mortgage Advisor

08/25/2026

On Business and Finance:

Every time the Federal Reserve's policy committee meets, headlines scream that mortgage rates are about to jump or drop.

The Fed doesn't set your mortgage rate — the 10-year Treasury yield does. Here's how Fed decisions actually ripple through, and what to watch instead.

08/21/2026

📖 Most buyers worry about credit scores and down payments, but the number that actually decides how much house you can afford is your debt-to-income (DTI) ratio.

Your debt-to-income ratio is the single biggest number lenders judge you on. Here's how the DTI math works, the limits for each loan type, and how to lower…

08/16/2026

5.0 star review received on Experience.com for TJ Kuczewski - Mortgage Lender in Lynchburg by Tamra C - Working with TJ was truly a blessing! He answered all of my questions with ease, patience, and professionalism. He made the entire experience feel comfortable and stress-free, and I’m truly grateful for his help throughout the process.

Click to see all 533 reviews of TJ Kuczewski - Mortgage Lender in Lynchburg, Mortgage Advisor | NMLS #1131567

08/13/2026

My new marketing assistant has been busy living his best life...although I don't know how good a job he is actually doing at work.

08/13/2026

5.0 star review received on Experience.com for TJ Kuczewski - Mortgage Lender in Lynchburg by Diane M - Very personable and knowledgeable. Walked me step-by-step through the process and was easily accessible when I had questions. I would happily recommend TJ to anyone needing his services.

Click to see all 532 reviews of TJ Kuczewski - Mortgage Lender in Lynchburg, Mortgage Advisor | NMLS #1131567

08/13/2026

5.0 star review received on Experience.com for TJ Kuczewski - Mortgage Lender in Lynchburg by Tom B - TJ was super knowledgeable and helpful throughout our buying and mortgage process. From early planning and pre-approval all the way through the final closing process, he was there to help answer questions and provide guidance whenever anything came up. I have used him for multiple mortgages and refinancing previously and will continue to use and recommend him going forward.

Click to see all 532 reviews of TJ Kuczewski - Mortgage Lender in Lynchburg, Mortgage Advisor | NMLS #1131567

08/11/2026

Lynchburg keeps quietly outperforming the national housing market, and that makes it one of the smarter places in Virginia to buy a home right now. The metro ranked No. S.

What do you think?

Pinpoint Lynchburg, VA home prices, the top neighborhoods, and financing in plain terms — from a local mortgage advisor who works the Hill City market daily.

08/06/2026

What is up with mortgage rates lately?

07/30/2026

Tucker is my new marketing assistant. If this face doesn't make you want to do a mortgage with me, I don't know what will!

07/24/2026

5.0 star review received on Experience.com for TJ Kuczewski - Mortgage Lender in Lynchburg by Suzanne B - TJ provided excellent service for our mortgage needs! He was always prompt to respond and kept us up-to-date with weekly telephone calls. We highly recommend this company!

Click to see all 530 reviews of TJ Kuczewski - Mortgage Lender in Lynchburg, Mortgage Advisor | NMLS #1131567