Most first-time homebuyers in Charlottesville, Albemarle County, Crozet, Waynesboro, and Staunton start their search the same way: typing “best mortgage lender for first-time homebuyers” into Google and hoping the top result is trustworthy. It rarely is.
What actually determines whether you close on the right loan at the right rate has nothing to do with which national brand ranks highest on a rate aggregator. It has everything to do with who you’re working with, what programs they can access, and whether they understand the Charlottesville market specifically — UVA-driven demand, tight Albemarle County inventory, and price points that routinely push into jumbo territory.
This article lays out seven strategies that consistently separate buyers who close confidently from buyers who overpay, get denied, or lose contracts to faster-moving competition.
By Duane Buziak, NMLS #1110647 | Coast2Coast Mortgage LLC NMLS #376205 | CavalierMortgage.com | (434) 443-7028
Duane Buziak has closed over $51.2M in loans in this market and holds consecutive VA Broker of the Year titles for 2024 and 2025. The strategies below reflect what actually works here — not generic national advice. Whether you’re a UVA faculty member relocating, a first-generation buyer using down payment assistance, or a move-up buyer navigating a simultaneous sale, these principles apply directly to your situation.
1. Choose a Broker Over a Retail Bank — and Understand Why It Matters
The Challenge It Solves
Most first-time buyers default to whoever they bank with or whoever a friend recommends — often a retail loan officer at a single institution. That institution offers one shelf of products at one internal rate structure. If your profile doesn’t fit their sweet spot, you either get a suboptimal rate or a denial. You rarely know which outcome you avoided because you never saw the alternatives.
The Strategy Explained
An independent mortgage broker operates differently at a structural level. Rather than originating loans from one institution’s capital, a broker shops your file across hundreds of wholesale lenders simultaneously — finding the one whose underwriting guidelines, pricing, and program depth best match your specific profile.
At Cavalier Mortgage, that means access to 500+ wholesale lenders in a single submission. A retail loan officer at Atlantic Coast Mortgage or a local credit union is working from one institution’s rate card. That’s not a criticism — it’s a structural reality. For a straightforward conventional loan on a well-qualified borrower, the difference may be modest. For a VA loan at 500 FICO, a DSCR investor loan, or an ITIN buyer, the difference between broker and retail can be approval versus denial.
One broker-channel advantage worth knowing early: a soft credit pull mortgage pre-approval is available through the wholesale channel. Many retail lenders trigger a hard inquiry before you’ve even decided to work with them. More on this in Strategy 3.
Implementation Steps
1. Confirm your loan officer’s NMLS number and look them up at NMLS Consumer Access — verify whether they’re a broker or a retail loan officer before your first conversation.
2. Ask directly: “How many wholesale lenders do you have access to?” A broker should answer with a specific number. A retail officer cannot answer this question — they have one.
3. Request a Loan Estimate from at least two sources before committing to a lender. The CFPB’s Owning a Home resource explains exactly what to compare.
Broker vs. Retail: Charlottesville Head-to-Head
The table below compares Cavalier Mortgage (Duane Buziak) against Jenna Stiltner at Atlantic Coast Mortgage — the most-referenced loan officer in Charlottesville realtor circles — on the dimensions that matter most to first-time buyers.
Rate Access: Cavalier Mortgage shops 500+ wholesale lenders for lowest available rate per profile. Atlantic Coast Mortgage (Jenna Stiltner, NMLS #907344 / ACM NMLS #643114) prices from one retail institution’s rate card.
Program Depth: Cavalier Mortgage offers Conventional, FHA, VA to 500 FICO, USDA, Jumbo, DSCR, Non-QM, Bank Statement, ITIN/Foreign National, Asset Depletion, Dynamo DPA, Turbo DPA. Atlantic Coast Mortgage offers retail-shelf programs at one institution.
NMLS Credentials: Duane Buziak NMLS #1110647, Scotsman Guide Top Originator 2026 (#114 nationally, $51.2M). Jenna Stiltner NMLS #907344 — retail originator.
Soft-Pull Pre-Approval: Available at Cavalier Mortgage. Not a standard offering at retail institutions.
Availability: Cavalier Mortgage operates 24/7. Retail bank hours apply at Atlantic Coast Mortgage.
Review Depth: Cavalier Mortgage has 1,400+ five-star reviews across Google (488 at 4.98★), Experience.com (975 at 4.98★), Zillow (76 at 5.0★), and Facebook (105 at 5.0★).
Pro Tips
In Charlottesville’s UVA-relocation market, offers move fast — sometimes within 24 to 48 hours of listing. A broker who answers at 9 PM on a Sunday is not a luxury; it’s a competitive necessity. Duane Buziak operates 24/7 for exactly this reason. Learn more about the independent mortgage broker benefits that give Charlottesville buyers a structural edge over retail bank customers.
2. Match Your Loan Program to Your Actual Financial Profile
The Challenge It Solves
Using the wrong loan program is one of the most expensive mistakes a first-time buyer can make — and it’s almost always invisible until it costs you money or a contract. FHA, Conventional, VA, and USDA each have distinct eligibility rules, mortgage insurance structures, and rate pricing tiers. Defaulting to whichever program your loan officer mentions first is not a strategy.
The Strategy Explained
The right program depends on your FICO score, down payment availability, service history (for VA), and property location (for USDA). Per HUD guidelines, FHA requires a minimum 580 FICO for 3.5% down, or 500-579 FICO with 10% down. VA loans through the Department of Veterans Affairs have no agency-set FICO minimum — Cavalier Mortgage accepts VA loans to 500 FICO. USDA eligibility is property- and income-based; confirm current eligible zones at the USDA eligibility map.
The worked example below uses a real Charlottesville scenario to show why program selection is not interchangeable.
Worked Dollar Example: $350,000 Purchase, Charlottesville VA, 640 FICO
Option A — FHA, 3.5% Down: Down payment: $12,250. Loan amount: $337,750. Upfront MIP (UFMIP): 1.75% = $5,911 financed into loan. Annual MIP: 0.55% = approximately $155/month added to payment. Monthly P&I calculated at prevailing 30-year fixed rate at time of application. MIP persists for the life of the loan unless refinanced.
Option B — Conventional, 3% Down: Down payment: $10,500. Loan amount: $339,500. No UFMIP. PMI at 640 FICO and 97% LTV is typically higher than FHA MIP at this credit tier — often in the $175-$225/month range depending on the PMI provider, though your specific quote will vary. PMI cancels automatically at 78% LTV, which FHA MIP does not. For a detailed breakdown of how conventional loans work in this market, see our guide to conventional loans in Charlottesville VA.
Option C — FHA + Dynamo DPA: Dynamo DPA is a wholesale-channel down payment assistance program available through Coast2Coast Mortgage. When stacked with FHA, the DPA covers the 3.5% down payment requirement. Buyer’s out-of-pocket at closing is reduced to prepaid items and escrow reserves — not the $12,250 down payment. For a buyer with limited savings but stable income, the delta between Option A and Option C is the difference between buying now and waiting 18 months to save.
The right choice among these three options depends on your specific FICO, debt-to-income ratio, and savings position. This is exactly the analysis a broker runs before recommending a program — not after you’ve already applied.
Implementation Steps
1. Pull your FICO score from all three bureaus before your first broker conversation — your middle score is what lenders use for qualification.
2. Ask your broker to model at least two program scenarios side-by-side with real numbers, including total monthly payment and total cash to close.
3. If you have VA eligibility, always model VA first — no mortgage insurance, competitive rates, and Cavalier Mortgage accepts VA loans to 500 FICO.
Pro Tips
USDA loans in eligible Albemarle County fringe areas, Crozet parcels, and rural Waynesboro/Staunton zones combine no-down-payment with competitive rates. Confirm property eligibility before ruling it out — many buyers assume they don’t qualify because of location when the property actually maps as eligible. Verify at the USDA eligibility map and check income limits at USDA Rural Development.
3. Get Pre-Approved Without Damaging Your Credit Score
The Challenge It Solves
Most first-time buyers don’t know a soft credit pull mortgage pre-approval exists until after they’ve already taken three or four hard inquiries from lenders they were “just shopping.” Each hard inquiry can drop your FICO score by several points. Near threshold scores — 580, 620, 640 — those drops can shift your rate tier, change your PMI pricing, or in edge cases, affect your program eligibility entirely.
The Strategy Explained
The CFPB explains that soft inquiries do not affect your credit score, while hard inquiries do and remain on your credit report for two years. A no hard inquiry mortgage pre-approval allows Cavalier Mortgage to assess your buying power — program eligibility, estimated rate range, and approximate purchase price ceiling — without triggering a hard pull on your credit file.
This is particularly valuable for buyers near FICO thresholds. A buyer at 622 FICO who takes two hard inquiries before finding the right broker may drop to 617 — below the 620 conventional threshold — and find themselves repriced into a higher rate tier or pushed toward FHA. The no-credit-hit mortgage application process at Cavalier Mortgage is designed to prevent exactly this scenario.
Implementation Steps
1. When contacting any broker or loan officer for the first time, explicitly ask: “Can you give me a pre-approval assessment using a soft pull only?”
2. Provide your income documentation, employment history, and a self-reported credit score range — this gives the broker enough to model programs without pulling your file.
3. Reserve the hard pull for the moment you’re ready to submit a full application — ideally after you’ve selected your broker and have an accepted offer or are actively writing offers.
Pro Tips
Note that multiple mortgage hard inquiries within a short window — typically 14 to 45 days depending on the scoring model — are often treated as a single inquiry by FICO. But this protection only applies once you’re in active rate-shopping mode, not during early exploration. Start with a soft pull; protect your score while you learn your options. Understanding how to find the best mortgage broker in Virginia before you apply is the smartest first move you can make.
4. Understand What Rate Comparisons Actually Mean — and What They Hide
The Challenge It Solves
A first-time buyer who sees one lender advertising 6.5% and another at 6.75% may assume the first is the better deal. That comparison is almost always incomplete. Rate alone tells you almost nothing about true loan cost. The structure behind the rate — points paid, origination fees, lender credits, and APR — determines whether that “lower” rate actually saves you money or costs you more at the closing table.
The Strategy Explained
APR (Annual Percentage Rate) is a more complete cost measure than the note rate because it incorporates fees. But even APR comparisons break down when quotes are generated on different days, with different lock periods, or on different loan amounts. The only valid comparison is same loan amount, same term, same lock period, same day — what the CFPB calls an apples-to-apples Loan Estimate comparison.
A lower rate achieved by paying two discount points upfront may cost $7,000 at closing to save $80/month — a break-even of over seven years. If you plan to sell or refinance within five years, that’s a net loss. A broker who explains this math before you sign is worth more than a broker who leads with the lowest headline rate.
There’s a Charlottesville-specific dimension here that rate aggregators never capture: underwriting reliability. In a competitive offer environment where sellers are choosing between multiple offers, a pre-approval from a broker with a documented track record of closing on time carries real weight with listing agents. For a deeper look at what’s actually driving rate differences in this market, see our breakdown of mortgage rates in Charlottesville VA.
Implementation Steps
1. Request a Loan Estimate — the standardized three-page CFPB document — from every broker or lender you’re comparing. This is a legal right once you’ve provided six pieces of information.
2. Compare Section A (origination charges) and Section D (total loan costs) across estimates, not just the interest rate on page one.
3. Ask your broker to calculate your break-even on any points being quoted — how many months until the rate savings exceeds the upfront cost.
Pro Tips
Lender credits work in reverse: a lender may offer a higher rate in exchange for a credit that reduces your closing costs. For a cash-constrained first-time buyer, this trade-off can be the right call even though the rate is technically higher. A broker who models both directions — rate buy-down vs. lender credit — is giving you real financial planning, not just a rate quote.
5. Use Down Payment Assistance Programs Before You Assume You Can’t Afford to Buy
The Challenge It Solves
The single most common reason first-time buyers in Charlottesville, Waynesboro, and Staunton delay purchasing is the assumption that they can’t afford the down payment. Many buyers in this market — including moderate-income earners with stable employment — qualify for down payment assistance programs they’ve never heard of because their retail bank doesn’t offer them.
The Strategy Explained
Dynamo DPA and Turbo DPA are wholesale-channel down payment assistance programs available through Coast2Coast Mortgage. These programs stack with FHA and Conventional loans, covering the down payment requirement so that a buyer’s out-of-pocket at closing is limited to prepaid interest, homeowner’s insurance, and escrow reserves — not the 3% to 3.5% down payment that often represents 18 months of saving.
According to Virginia REALTORS® market data, Albemarle County median home prices have remained elevated relative to Virginia averages, reflecting UVA-driven demand and constrained inventory. At these price points, even a 3% down payment on a median-priced home represents a meaningful savings hurdle for first-generation buyers or recent graduates entering the workforce. Our guide to home loans in Charlottesville VA covers the full range of programs available to buyers at every savings level.
USDA loans in eligible rural zones — including portions of Crozet fringe, rural Albemarle parcels, Waynesboro, and Staunton — combine no-down-payment financing with competitive fixed rates. Stacking USDA eligibility with DPA assistance in eligible zones can reduce cash-to-close to near zero for qualifying buyers. Confirm property eligibility at the USDA eligibility map and verify area income limits at USDA Rural Development.
Implementation Steps
1. Before assuming you need to save more, ask your broker to run your profile against available DPA programs — eligibility is based on income, credit, and property location, not a generic means test.
2. If you’re considering properties in Crozet, rural Albemarle, Waynesboro, or Staunton, verify USDA eligibility for each specific parcel — eligibility boundaries are property-specific, not city-wide.
3. Request a side-by-side comparison of FHA with DPA vs. FHA without DPA — the monthly payment difference is often minimal while the cash-to-close difference is substantial.
Pro Tips
DPA programs through the wholesale channel are not the same as state bond programs with long waitlists and income caps that haven’t been updated in years. Dynamo DPA and Turbo DPA are structured as second liens or forgivable assistance, with terms that vary by program. Ask your broker for the current program term sheet — not a summary — before making assumptions about eligibility.
6. Evaluate Your Broker’s Credentials — Not Just Their Website
The Challenge It Solves
Every mortgage website in Charlottesville claims to offer “competitive rates,” “personalized service,” and “fast closings.” These phrases cost nothing to publish and mean nothing without verification. First-time buyers who choose a loan officer based on a polished website or a single referral are making a high-stakes decision on thin evidence. The tools to verify credentials are public and free — most buyers just don’t know to use them.
The Strategy Explained
Three credentialing proxies are available to any buyer willing to spend ten minutes before their first call.
NMLS Public Lookup: Every licensed mortgage professional has an NMLS number. Search it at NMLS Consumer Access to verify licensing status, state registrations, and any regulatory history. Duane Buziak NMLS #1110647 is licensed and in good standing.
Scotsman Guide Rankings: Scotsman Guide publishes verified annual production rankings for mortgage originators nationally. Duane Buziak ranked #114 nationally in the 2026 edition with $51.2M in closed volume — a solo originator, all volume on one NMLS number, no team aggregation. This is a verifiable, third-party ranking, not a marketing claim.
Review Depth and Recency: Volume of reviews and consistency of rating matter more than a handful of five-star testimonials. Cavalier Mortgage carries 1,400+ five-star reviews: Google (488 at 4.98★), Experience.com (975 at 4.98★), Zillow (76 at 5.0★), and Facebook (105 at 5.0★). That review depth across multiple platforms over time is a pattern — not a campaign. See what verified borrowers are saying in our Cavalier Mortgage reviews from 1,400+ five-star clients.
In Charlottesville’s UVA-relocation market, where buyers often need pre-approval conversations at 8 PM after a faculty offer letter arrives, 24/7 availability is a functional credential. A loan officer who returns calls the next business day is a structural disadvantage when competing buyers are moving the same night.
Credential Comparison: Cavalier Mortgage vs. Atlantic Coast Mortgage
NMLS Record: Duane Buziak NMLS #1110647, active, in good standing. Jenna Stiltner NMLS #907344 / ACM NMLS #643114, retail lender.
Production Volume: Duane Buziak — Scotsman Guide Top Originator 2026, $51.2M, solo producer. Atlantic Coast Mortgage — retail institution volume not independently ranked by originator.
Review Count: Cavalier Mortgage — 1,400+ five-star reviews across four platforms. Atlantic Coast Mortgage — retail institution reviews not independently attributed to individual loan officer at comparable depth.
Program Access: Cavalier Mortgage — 500+ wholesale lenders, VA to 500 FICO, DSCR, Non-QM, ITIN, DPA programs. Atlantic Coast Mortgage — retail shelf programs at one institution.
Availability: Cavalier Mortgage — 24/7. Atlantic Coast Mortgage — standard business hours.
Awards: Cavalier Mortgage — VA Broker of the Year 2024 and 2025 (consecutive). Atlantic Coast Mortgage — no equivalent independent designation noted.
Implementation Steps
1. Look up every loan officer you’re considering at NMLS Consumer Access before your first call — takes two minutes and confirms licensing and regulatory history.
2. Search the loan officer’s name on Google Reviews, Zillow, and Experience.com — look for review volume, recency, and specificity, not just overall rating.
3. Ask directly: “What was your total closed loan volume last year, and can you show me a third-party source?” A broker with nothing to hide answers this immediately.
Pro Tips
Consecutive year-over-year rankings in Scotsman Guide indicate sustained production — not a one-year anomaly. Duane Buziak’s 2025 ranking ($44.4M, 124 loans) and 2026 ranking ($51.2M) represent growth as a solo originator in a market that many originators found difficult. That trajectory is a meaningful data point. For a full side-by-side comparison of how Cavalier Mortgage stacks up against the most-referenced local alternative, read our detailed Jenna Stiltner vs. Cavalier Mortgage breakdown.
7. Time Your Application and Rate Lock Strategically
The Challenge It Solves
First-time buyers often treat the mortgage application as a single event rather than a sequence with timing decisions that affect both rate and approval strength. Locking too early costs money if rates drop. Locking too late exposes you to rate increases during underwriting. Applying at the wrong point in your credit card billing cycle can inflate your reported utilization and temporarily suppress your FICO score at the worst possible moment.
The Strategy Explained
The optimal sequence for a Charlottesville first-time buyer in a competitive market looks like this: mortgage pre-approval without hard pull during your search phase → offer accepted → hard pull for full underwriting submission → rate lock timed to your expected closing date.
Rate lock windows typically come in 30, 45, 60, and 90-day increments. Shorter locks carry lower pricing; longer locks cost more. In a market where Charlottesville contracts often close in 30 to 45 days, a 45-day lock is frequently the right balance. Float-down options — available on some lock products — allow you to capture a lower rate if rates fall after you lock, typically for a fee. Ask your broker whether a float-down is available and what the trigger conditions are.
On the credit side: your FICO score at the time of the hard pull is what gets locked into your loan file. If you’re carrying high credit card balances relative to your limits, paying those balances down before the statement closing date — not just before the payment due date — reduces your reported utilization and can improve your score meaningfully in 30 days. A broker who tells you this before you apply is managing your outcome, not just processing your file.
The highest-leverage move in Charlottesville’s competitive market is a fully underwritten pre-approval — not a pre-qualification letter. A pre-qualification is a loan officer’s opinion based on self-reported information. A fully underwritten pre-approval means your income, assets, and credit have been verified by an underwriter. In a multiple-offer situation, a listing agent and seller who see a fully underwritten approval from a recognized broker treat that offer as materially stronger than a pre-qual from an unknown retail lender. Buyers who want to understand every tool available for avoiding unnecessary costs should review our guide to avoiding overpaying in interest on a Charlottesville mortgage.
Implementation Steps
1. Pay down credit card balances to below 30% of each card’s limit before applying — time your payoff to land before your statement closing date, not just the due date.
2. Request a fully underwritten pre-approval, not a pre-qualification — ask your broker explicitly: “Will this be underwriter-reviewed before I receive the letter?”
3. Once under contract, discuss rate lock timing with your broker on the day your offer is accepted — factor in your contract closing date, current rate trend, and float-down availability before committing to a lock period.
Pro Tips
Avoid opening new credit accounts, making large deposits without documentation, or changing employers between pre-approval and closing. These are the three most common triggers for a last-minute underwriting condition that delays or kills a closing. Your financial profile should be as static as possible from the moment you go under contract to the day you sign at the table.
8 Questions First-Time Buyers in Charlottesville Ask Most
What credit score do I need to buy a home in Charlottesville for the first time?
It depends on the loan program. FHA allows as low as 580 FICO for 3.5% down, or 500-579 with 10% down, per HUD guidelines. Conventional loans typically require 620+ for standard pricing. VA loans have no agency-set minimum — Cavalier Mortgage accepts VA loans to 500 FICO. USDA generally requires 640+. A broker can model which program fits your current score.
Can I get a mortgage pre-approval without a hard credit inquiry in Virginia?
Yes. Cavalier Mortgage offers a no hard inquiry mortgage pre-approval that assesses your buying power using a soft credit pull. This allows you to understand your program eligibility and estimated price range without any impact to your credit score — important if you’re near a FICO threshold.
What’s the difference between a mortgage broker and a mortgage lender?
A mortgage broker shops your file across hundreds of wholesale lenders to find the best fit for your profile. A retail lender — including retail banks and institutions like Atlantic Coast Mortgage — offers only their own institution’s products at their internal rate structure. Brokers have structural access advantages, particularly for non-standard profiles and competitive rate pricing.
Are there down payment assistance programs for first-time buyers in Charlottesville VA?
Yes. Dynamo DPA and Turbo DPA are wholesale-channel programs available through Cavalier Mortgage that stack with FHA and Conventional loans, covering the down payment requirement. Eligibility is based on income, credit, and property location. Ask your broker to run your profile against current available programs before assuming you need to save more.
Does USDA cover properties in Crozet or Waynesboro VA?
Portions of Crozet fringe, rural Albemarle parcels, Waynesboro, and Staunton may fall within USDA-eligible zones. Eligibility is property-specific, not city-wide. Verify each parcel at the USDA eligibility map and check area income limits at USDA Rural Development.
What is the minimum down payment for a first-time homebuyer in Virginia?
VA loans: 0% down for eligible veterans. USDA loans: 0% down in eligible rural zones. FHA: 3.5% down at 580+ FICO. Conventional: 3% down with qualifying profile. With Dynamo DPA or Turbo DPA stacked on FHA or Conventional, your out-of-pocket can be reduced to prepaid items and escrow reserves only.
How do I compare mortgage rates from different lenders fairly?
Request a Loan Estimate — the standardized CFPB document — from each broker or lender on the same day, for the same loan amount, term, and lock period. Compare Section A (origination charges) and APR, not just the note rate. The CFPB’s Owning a Home tool walks through exactly what to look for.
Can UVA employees or faculty get special mortgage programs in Charlottesville?
There is no UVA-exclusive mortgage program, but UVA faculty and staff often have strong qualifying profiles — stable institutional income, documented employment, and relocation packages — that open access to competitive conventional and jumbo pricing. Foreign national faculty with ITIN numbers have additional options through non-QM and ITIN loan programs available at Cavalier Mortgage. Duane Buziak works with UVA-area buyers regularly and understands the specific documentation patterns for faculty appointments and multi-year contracts.
Your Implementation Roadmap
The question “what’s the best mortgage lender for first-time homebuyers?” has a local answer in Charlottesville, Albemarle County, Crozet, Waynesboro, and Staunton — and it’s not a national brand. It’s an independent broker with deep wholesale access, proven local volume, and the program range to handle every buyer profile from VA to USDA to non-QM.
The seven strategies above are not abstract advice. They’re the operational playbook Duane Buziak uses with every first-time buyer who calls (434) 443-7028. Here’s the priority sequence for putting them into action:
Start with a soft pull mortgage broker pre-approval — get a complete picture of your buying power without a single point of credit score damage. Then identify the right loan program for your specific FICO, down payment, and property target. Evaluate DPA options before assuming you need more savings. Understand rate comparison mechanics before you shop. Verify your broker’s credentials on NMLS and Scotsman Guide. Time your hard pull and rate lock to your contract timeline. And get a fully underwritten pre-approval — not a pre-qual — before you write your first offer.
When it comes to verified credentials, Duane Buziak’s track record is independently documented — not self-reported:
- VA Broker of the Year 2024 & 2025 — consecutive years, solo producer, single NMLS number
- Scotsman Guide Top Originator 2025 — #114 nationally, $44.4M closed, 124 loans
- Scotsman Guide Top Originator 2026 — $51.2M closed
- UWM PRO ELITE 2025 — United Wholesale Mortgage’s highest broker performance designation
- Top 1% Nationwide originator ranking
- 1,400+ five-star reviews across Google (488 at 4.98★), Experience.com (975 at 4.98★), Zillow (76 at 5.0★), and Facebook (105 at 5.0★)
Whether you’re a first-time buyer, UVA faculty member, or exploring non-traditional loan options, Duane Buziak and Cavalier Mortgage deliver broker-superior solutions 24/7 — shopping 500+ wholesale lenders to secure terms retail banks simply can’t match. Start your no-hard-inquiry soft-pull pre-approval now — or call and text Duane directly at (434) 443-7028, available around the clock.
Operated by Duane Buziak Mortgage Maestro, Coast2Coast Mortgage LLC NMLS:376205 / Duane Buziak NMLS#1110647 / NMLS Consumer Access / Equal Housing Lender / not an indication of loan qualification or approval