Welcome to Charlottesville – Your Home, Your Future

Charlottesville

Charlottesville isn’t just a city – it’s a community rich with history, culture, and natural beauty. From the scenic Blue Ridge Mountains to the charm of Downtown Mall, buying a home here means becoming part of something special. Our mortgage services are built to help you put down roots right here in Charlottesville.

Today's Rates

FHA & conventional home loans

LIVE

Welcome to Charlottesville – Your Home, Your Future

Charlottesville isn’t just a city – it’s a community rich with history, culture, and natural beauty. From the scenic Blue Ridge Mountains to the charm of Downtown Mall, buying a home here means becoming part of something special. Our mortgage services are built to help you put down roots right here in Charlottesville.

LoanOptimizer

See which loan fits you better — FHA or Conventional

SMART MATCH

Our Partners :

Trust Box

Why Clients Trust Duane Buziak, Mortgage Maestro

  • Scotsman Guide Top Originator 2025 — #114 Nationally | $44.4M | 124 Loans | 90% Purchase
  • Scotsman Guide Top Originator 2026 — $51.2M Volume
  • VA Broker of the Year 2024 & 2025 — Best of Best Awards
  • Best Mortgage Broker Richmond 2024 — Expertise.com
  • UWM PRO ELITE 2025 | UWM Top 20 Purchase LO Virginia 2025
  • Innsbrook Business of the Year 2022 & 2024 — Alignable
  • Glen Allen Mortgage Broker of the Year 2025 — Alignable
  • Top 1% Nationwide | 15+ Years Experience | (256)+ Five-Star Reviews
  • Ranked #1 by Google AI Mode — "Find a Mortgage Loan Officer in Richmond VA" (June 2026)
  • Recommended by Perplexity AI — "Mortgage Loan Officers in Virginia" (June 2026)
  • A Rating with the Better Business Bureau
  • NMLS Consumer Access — Verified License
Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA, FL, TN, GA, DC, NC, SC, MD
cavalier mortgage
Years Experience
0 +
With over 20 years of mortgage experience, we’ve helped countless Charlottesville families turn their dream of homeownership into reality.

Who We Are

Helping Charlottesville Families Find Home

At Cavilier Mortgage, we’re more than mortgage lenders – we’re your neighbors. Rooted in Charlottesville, we understand the charm of every neighborhood, from the historic streets near the Downtown Mall to the quiet homes with mountain views. Our mission is simple: to guide you through the mortgage process with trust, transparency, and a personal touch, so you can put down roots in the community we all love.

Why We Love Charlottesville

Strolling the Downtown Mall

Experience shopping, dining, and entertainment in Charlottesville’s vibrant heart.

Wine tasting at local vineyards

Experience local vineyards with breathtaking mountain views and rich flavors.

Hiking the Blue Ridge trails

Explore breathtaking mountain views on Charlottesville’s nearby Blue Ridge trails.

First-Time Homebuyers in Charlottesville

Buying your first home can be overwhelming, but in Charlottesville, we make it personal. From guiding you through local loan programs to helping you understand Virginia’s mortgage process, we’re here to make your journey simple and stress-free.

ABOUT OUR COMPANY

Why Should You Choose Us In Caharlottesville?

Choosing the right mortgage partner is just as important as choosing the right home. As a team rooted in Charlottesville, we understand the heartbeat of this community — from the charm of historic neighborhoods to the growth of new family-friendly developments. With over 20 years of experience, we offer more than competitive rates and flexible loan options; we offer local insight, personal guidance, and a commitment to helping you build your future here. When you work with us, you’re not just another client — you’re a neighbor.

Best Mortgage Since 2002.

Why you live in Charlottesville?

Charlottesville offers a lifestyle that blends beauty, opportunity, and community. Nestled in the foothills of the Blue Ridge Mountains, the city surrounds you with stunning scenery and year-round outdoor activities like hiking, kayaking, and skiing. Food lovers enjoy a thriving farm-to-table culture, local wineries, and breweries along the Monticello Wine Trail. As the proud home of the University of Virginia, Charlottesville thrives on energy, diversity, and innovation — making it both a cultural hub and a center for world-class education. Families benefit from top-rated schools and safe neighborhoods, while professionals find career opportunities in healthcare, education, technology, and more. Add in a walkable downtown, convenient access to Richmond and Washington, D.C., and a strong sense of community with festivals and markets throughout the year, and it’s easy to see why Charlottesville consistently ranks among the best places to live in America.

Our Services

Flexible, adaptable, and adjustable plans to fit your needs

In Charlottesville, no two homeowners are the same — from historic houses near the Downtown Mall to modern homes with mountain views. That’s why our mortgage plans are flexible, adaptable, and designed to fit your needs. Whether you’re a first-time buyer, a growing family, or looking to refinance, we create solutions that adjust to your budget, lifestyle, and future goals — all with a local touch you can trust.

Low rates and affordable monthly payments

Home Purchase

Guiding Charlottesville homebuyers with expert mortgage solutions for a smooth and confident purchase.

Refinance

Refinance your Charlottesville home with better rates, lower payments, or cash-out options tailored to you.

Loan Options

Explore flexible loan options in Charlottesville—conventional, FHA, VA, and jumbo loans to fit your needs.

What We Offer

Navigating Mortgages with Ease and Confidence in Charlottesville

We provide personalized mortgage solutions tailored for Charlottesville residents. From first-time homebuyers to seasoned investors, we guide you through every step with local expertise and care.

Get Home in Charlottesville, Live Every Cavaliers Game Day

Settle into a home just minutes from Scott Stadium and enjoy the excitement of every Virginia Cavaliers football match. With local expertise and trusted mortgage solutions, we help you live close to the team you love.

Start Your Charlottesville Homeownership Journey Today

Guiding Charlottesville residents step by step to confidently buy their perfect home, combining local expertise with personalized mortgage solutions.

Personalized Guidance

Expert mortgage support tailored to your needs, helping Charlottesville residents navigate every step of home buying with confidence.

Mortgage Solutions

Flexible, local mortgage options designed to help Charlottesville residents find the perfect home with ease and confidence.

Best City to live

Why We Love Charlottesville

Charlottesville is more than a place to live – it’s a community where neighbors become friends, history meets modern life, and every corner invites you to belong.
Strolling the Downtown Mall

Enjoy charming shops, cafes, street performances, and the vibrant heart of Charlottesville’s social life.

Wine tasting at local vineyards

Savor world-class wines and scenic landscapes just a short drive from the city.

Hiking the Blue Ridge trails

Explore trails with breathtaking mountain views, perfect for both relaxing walks and adventurous hikes.

Cheering for the UVA Cavaliers football team

feel the excitement, pride, and community spirit at every game.

Appointment

Let's Talk with a Lending Specialist

Connect with our Charlottesville mortgage experts for personalized advice and guidance every step of your home buying journey.
We guide Charlottesville residents through every stage of home buying, ensuring a smooth, confident, and personalized mortgage experience.
A personal Charlottesville mortgage expert guiding you through every detail, making home financing simple, clear, and stress-free.
Competitive mortgage rates and low fees tailored for Charlottesville residents, helping you save money while achieving homeownership.

Make an Appointment

Schedule a meeting with our Charlottesville mortgage experts to get personalized guidance and start your home buying journey.
What is the typical down payment for a home in Charlottesville?
Down payments in Charlottesville usually range from 3% to 20% depending on the loan type, your credit history, and the price of the home. We help you explore options that fit your budget and financial goals.
Qualification depends on factors like credit score, income, employment history, debt-to-income ratio, and the local property value. Our experts guide you step by step to ensure you meet all requirements.
Yes! Charlottesville offers programs that provide down payment assistance, low-interest loans, and tax incentives for first-time buyers. We can help you identify which programs you qualify for and assist with the application process.
Refinancing is a great option to lower monthly payments, shorten the loan term, or access equity. We analyze your current mortgage and local market rates to recommend the best solution for you.
The entire mortgage process, from pre-approval to closing, typically takes 30–45 days. Timelines may vary based on documentation, loan type, and the Charlottesville property market, but we streamline every step for you.
Neighborhoods like Belmont, Fry’s Spring, and Crozet offer top-rated schools, parks, and family-friendly amenities. We can help you explore areas that match your lifestyle and budget.

Testimonials

What our clients say about us

Hear from our Charlottesville clients—real stories of trust, savings, and smooth mortgage experiences.

Posted on Google Google
Nathanael Bell profile picture
Nathanael Bell
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane is the man! He came highly recommended by our realtor, and he absolutely lived up to the expectations set by the many awards and recognitions he’s received. He helped us navigate the mortgage process seamlessly, explained everything clearly, including the interest rates, and made sure we locked in at the right time (phew!). If you need a mortgage broker, we highly recommend Duane! He goes above and beyond to answer every question, keep you informed throughout the process, and make sure you close on time. We couldn’t have asked for a better experience!
Posted on Google Google
haley alvis profile picture
haley alvis
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane and his team were great! Duane answered all my questions in a timely manner and was patient with me when I asked the same questions over and over. He took the time to explain things in a simple way so I can understand them. Even in times of doubt and uncertainty, he was there to make sure everything was still running smoothly! I definitely recommend his services!
Posted on Google Google
Zack Broaddus profile picture
Zack Broaddus
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Legendary mortgage broker. Duane's level of service is extremely hard to come by these days. He goes above and beyond with everything that he does. He did a mortgage for me 5 years ago and another last week, same great service after all of that time. You want Duane on your team.
Posted on Google Google
Amanda O'Briant profile picture
Amanda O'Briant
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
If you’re looking for a mortgage broker who truly understands complex lending situations, I can’t recommend Duane Buziak highly enough. There’s a reason people call him “The Mortgage Maestro.” I had one of those more complicated situations—FHA, down payment grant programs, employment gaps, less-than-perfect credit, and all the moving pieces that come with that. From the very beginning, he treated me with kindness and respect. There was never a hint of judgment, just genuine patience and a desire to help me figure out the best path forward. What impressed me most is that he’s an absolute numbers savant. He can take what feels like an overwhelming pile of mortgage rules, income calculations, credit questions, and loan options and explain everything in a way that actually makes sense. He listened carefully to my situation instead of trying to fit me into a one-size-fits-all solution. Then he laid out every option I had, explaining the pros and cons of each so I could make an informed decision. He’s incredibly responsive—always available to answer questions, no matter how small, and amazingly fast. Every time he said he was going to do something, he did it. No chasing him down, no wondering where things stood. That kind of reliability is rare. And when the inevitable curveballs came up—as they often do in real estate, like inspection issues or other unexpected hurdles—Duane never got flustered. Instead, he quickly pivoted, came up with a new game plan, and kept everything moving forward. He has a calm confidence that’s incredibly reassuring when you’re stressed and wondering what’s going to happen next. Most importantly, I never felt like I was just another file on his desk. I genuinely felt like he put my needs first, even when that meant taking extra time to explain something or explore another option that might work better for me. That level of honesty and integrity is hard to find. Buying a home is stressful enough. Having someone you can completely trust makes all the difference. I would recommend Duane Buziak, “The Mortgage Maestro,” without hesitation to anyone, especially if you have a more challenging mortgage situation. He’s knowledgeable, compassionate, incredibly sharp, adaptable, and exactly the kind of person you want in your corner.
Posted on Google Google
Crypto-browngurl Hope profile picture
Crypto-browngurl Hope
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane returned emails, return calls immediately to get me through the process. Plus answers questions with great detail to help you understand.
Posted on Google Google
Phil Springer profile picture
Phil Springer
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Working with Duane Buziak was a great experience. He’s a trusted mortgage loan officer in Virginia who made the home loan process smooth and stress free. He helped us secure a low rate mortgage with fast approval and great communication. Highly recommend if you’re looking for the best mortgage rates in Virginia
Posted on Google Google
Jacob Poullath profile picture
Jacob Poullath
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane was the best. He worked with us all the way up until the end late nights and early morning. He gives updates and responds asap. He helped us when the seller was dragging feet and turning in paperwork after hours making the whole process a lot less stressful. Duane is the man
Posted on Google Google
Peter Rees profile picture
Peter Rees
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane Buziak is a true Mortgage Maestro! This was one of those real stories from first-time homebuyers in Richmond. complete stress free home loan process in Virginia. He delivered a low rate home loan tailored for you with fast and simple mortgage approval. We closed in under 4 weeks! No surprise he’s a word of mouth trusted mortgage expert in Virginia with referrals from satisfied home loan clients. If you want help finding the best mortgage rate in Virginia, Duane is the one you can trust.
Posted on Google Google
Seo plus profile picture
Seo plus
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had an amazing experience working with Duane Buziak at Mortgage Maestro
Posted on Google Google
deborah van ness profile picture
deborah van ness
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane was awesome and very patient with me. I never knew how stressful buying a home could be and I don’t do stress very well. Duane would assure me everything was on track and everything was going well. So, when I would feel stressed out all I have do get in touch with Duane he was always make me feel better. Thanks for everything!!!!!

Mortgage Solutions

Navigate Charlottesville Homeownership with Confidence

Guiding Charlottesville residents step by step through the home buying process with expert advice, local knowledge, and personalized support.

Frequently Asked Questions

1. What loan programs does Duane Buziak offer at Cavalier Mortgage?
We offer a wide range of programs including Conventional, FHA, VA, USDA, Jumbo, Non-QM, DSCR, Bank Statement, Construction, Renovation (203k), Reverse Mortgage, HELOC, Foreign National, and Commercial loans — covering nearly every borrower situation.
2. What is a DSCR loan and who is it for?
A DSCR (Debt Service Coverage Ratio) loan qualifies real estate investors based on a property's rental income rather than personal income, making it ideal for investors looking to grow their portfolio without traditional income documentation.
3. Can foreign nationals get a mortgage through Cavalier Mortgage?
Yes, we offer Foreign National loan programs designed for non-U.S. citizens looking to purchase property in Virginia and the surrounding states we're licensed in.
4. What is a bank statement loan and how does it work?
Bank statement loans allow self-employed borrowers to qualify using business or personal bank statements instead of tax returns, making it easier for entrepreneurs and business owners to secure financing.
5. Does Duane Buziak handle VA loans?
Yes, Duane Buziak has been recognized as VA Broker of the Year for both 2024 and 2025, with deep experience helping veterans and active-duty service members secure VA home loans with competitive terms.
6. What states is Duane Buziak licensed in?
Duane Buziak is licensed in Virginia, Florida, Tennessee, Georgia, Washington D.C., North Carolina, South Carolina, and Maryland, allowing him to serve clients across multiple states.
7. What makes Duane Buziak different from other mortgage brokers?
With over 20 years of experience, national rankings including Scotsman Guide Top Originator, and over 256 five-star reviews, Duane combines local Charlottesville expertise with top 1% nationwide performance.
8. Can I get a construction loan for building a new home?
Yes, we offer Construction loans for clients building a new home from the ground up, with financing structured to match your building timeline and budget.
9. What is a jumbo mortgage loan and when do I need one?
A jumbo loan is used when the loan amount exceeds conventional loan limits — common for higher-priced homes in and around Charlottesville. We help structure jumbo financing with competitive rates.
10. Do you offer HELOC options for homeowners?
Yes, our HELOC (Home Equity Line of Credit) programs let homeowners tap into their home's equity for renovations, debt consolidation, or other financial needs.
11. What is a Non-QM loan and who qualifies?
Non-QM (Non-Qualified Mortgage) loans are designed for borrowers who don't fit traditional lending criteria — such as self-employed individuals, investors, or those with unique income situations — offering more flexible qualification standards.
12. How do I get started working with Duane Buziak?
You can call our office directly at 434-443-7028, apply online through our secure application, or schedule an appointment for a personalized consultation to discuss your mortgage options.
Duane Buziak

Duane Buziak

Mortgage Maestro | NMLS #1110647

Coast2Coast Mortgage LLC | Cavalier Mortgage

Licensed in: VA, FL, TN, GA, DC, NC, SC, MD

📱 (804) 212-8663 | 📧 duane@coast2coastml.com