If you’re searching “which lender offers better rates for adjustable-rate mortgages: Movement or Fairway?” you’re asking a smart question — but you’ve drawn the map too small. Movement Mortgage and Fairway Independent Mortgage are both retail lenders. That means each one has a single pricing shelf, set internally, and when you sit down with one of their loan officers, you get exactly one price: theirs. There’s no shopping happening on your behalf. There’s no wholesale channel access. There’s no competitive tension working in your favor.
In the Charlottesville and Albemarle County market — where median home values regularly push past $500,000 and UVA-driven demand keeps competition tight — a single retail ARM quote isn’t a strategy. It’s a starting point that too many buyers mistake for a final answer.
This article breaks down seven strategies Charlottesville-area buyers should use when evaluating adjustable-rate mortgages, why the retail-versus-wholesale distinction matters far more than the Movement-versus-Fairway comparison, and how an independent mortgage broker’s access to 500+ wholesale lenders produces pricing that neither retail shop can structurally match.
I’m Duane Buziak, NMLS #1110647 — VA Broker of the Year 2024 & 2025 (consecutive, solo producer), Scotsman Guide Top Originator 2025 (#114 nationally, $44.4M, 124 loans) & 2026 ($51.2M), UWM PRO ELITE 2025, and Top 1% Nationwide originator. Every ARM consultation at Cavalier Mortgage starts with a soft credit pull mortgage review — a no hard inquiry mortgage pre approval that shows you real wholesale rates across 500+ lenders without touching your credit score. As your soft pull mortgage broker, I shop the full wholesale market so your ARM pricing reflects actual competition, not a single shelf. Here’s what I’d tell any buyer sitting across from me at my Charlottesville desk.
1. Understand Why Retail ARM Pricing Has a Built-In Ceiling
The Challenge It Solves
Most Charlottesville buyers don’t realize they’re already operating inside a pricing constraint the moment they walk into a retail lender’s office. Movement Mortgage and Fairway are retail originators: they fund loans from their own capital and set their own rate sheets. You’re not getting a market rate. You’re getting their rate — which includes their cost of capital, their overhead, and their margin. That ceiling is invisible unless you know to look for it.
The Strategy Explained
An independent mortgage broker like Cavalier Mortgage doesn’t originate loans from a single funding source. Instead, the broker submits your loan to wholesale lenders — a completely separate pricing channel that exists specifically for broker-originated business. As the CFPB explains, a mortgage broker works with multiple lenders on your behalf rather than representing a single institution’s products.
Wholesale lenders price differently than retail channels because their distribution costs are lower. They’re not paying for branch networks, retail advertising, or large loan officer sales teams. That structural difference in cost gets passed along in pricing — and it’s why comparing Movement to Fairway is a narrower exercise than comparing either of them to what a broker can access across 500+ wholesale investors simultaneously. The independent mortgage broker benefits extend well beyond ARM pricing alone, covering program access, underwriting flexibility, and service availability that retail shops structurally cannot match.
Implementation Steps
1. Before requesting any ARM quote, ask every originator directly: “Are you a retail lender or an independent mortgage broker?” The answer tells you whether you’re getting one price or a shopped price.
2. If they’re retail, ask what wholesale lenders they have access to. If the answer is “none” or they seem confused by the question, you’re looking at a ceiling, not a floor.
3. Request a Loan Estimate from at least one independent broker alongside any retail quotes. The Loan Estimate format is standardized by federal law, making side-by-side comparison straightforward.
Pro Tips
The retail-versus-wholesale distinction isn’t a marketing claim — it’s a structural pricing reality. Jenna Stiltner at Atlantic Coast Mortgage (NMLS #907344) operates within ACM’s single institutional rate sheet. For a clean conventional purchase that fits neatly inside their guidelines, that may be sufficient. For ARM pricing that’s been competed across dozens of wholesale investors, a broker is the structurally superior starting point.
2. Decode the ARM Structure Before Comparing Any Rate Quote
The Challenge It Solves
A rate number without structure context is nearly meaningless. Two ARM quotes at the same initial rate can perform completely differently over a five-year holding period depending on the index, the margin, and the cap structure. Charlottesville buyers who skip this step often compare apples to entirely different fruit — and they don’t know it until the first adjustment hits.
The Strategy Explained
Every ARM has three structural components you need to understand before the rate number matters. First, the index: most ARMs today are tied to SOFR (Secured Overnight Financing Rate), which replaced LIBOR as the dominant benchmark. The CFPB has documented this transition — if any lender is still quoting a LIBOR-based product, that’s a red flag. Second, the margin: a fixed percentage added to the index to calculate your fully-indexed rate. A lower margin is always better, all else equal. Third, the cap structure: the limits on how much your rate can move at first adjustment, each subsequent adjustment, and over the life of the loan.
The CFPB’s ARM explainer describes the standard cap structures you’ll encounter. A 2/2/5 cap means your rate can increase no more than 2% at first adjustment, 2% at each subsequent adjustment, and 5% total over the life of the loan. A 5/2/5 cap gives you more protection at the first adjustment (capped at 5% upward movement) but the same periodic and lifetime limits. Understanding these mechanics is foundational to evaluating mortgage rates in Charlottesville VA and determining whether an ARM or fixed product better fits your situation.
Implementation Steps
1. On every ARM term sheet you receive, locate the index (should say SOFR), the margin (typically expressed as a percentage, e.g., 2.75%), and the cap structure (written as three numbers separated by slashes).
2. Calculate the worst-case fully-indexed rate: take your starting rate, add the lifetime cap. That’s the highest your rate can ever go on that loan. Make sure your budget can absorb that payment.
3. Ask the originator to show you the current SOFR rate and what your fully-indexed rate would be today if the ARM were adjusting now. This gives you a realistic near-term adjustment scenario, not just the best-case starting rate.
Pro Tips
The 5/2/5 cap structure offers more cushion at the initial adjustment than 2/2/5 — relevant if you think rates could spike significantly before your fixed period ends. However, the lifetime cap is identical, so long-term worst-case exposure is the same. Context matters: a 7/1 ARM with a 5/2/5 cap and a lower margin can outperform a 5/1 ARM with a 2/2/5 cap and a higher margin over a six-year holding period.
3. Run the Worked Dollar Example: $550,000 Albemarle County Purchase
The Challenge It Solves
Abstract rate discussions don’t move budgets. Real math does. A retail loan officer may quote you an ARM rate and mention it’s “lower than the 30-year fixed” without ever showing you what that difference means in monthly dollars, what the break-even horizon looks like, or what your payment becomes at worst-case cap. This strategy fills that gap with actual numbers based on a representative Albemarle County purchase scenario.
The Strategy Explained
Let’s use a $550,000 purchase price — a realistic figure for Albemarle County, where Zillow Research and Virginia REALTORS market data consistently show median values in this range for single-family homes. With 20% down ($110,000), your loan amount is $440,000. This is an illustrative example using representative rate assumptions, clearly labeled as such.
In a normal yield curve environment, a 7/1 ARM is typically priced meaningfully below a 30-year fixed rate. The principal and interest payment formula is: P&I = Loan Amount × [r(1+r)^n / ((1+r)^n – 1)], where r is the monthly interest rate and n is the number of payments (360 for a 30-year fixed, used in the initial period calculation for comparison).
Assume illustratively that the 30-year fixed is priced 0.625% above the 7/1 ARM initial rate. On a $440,000 loan, that differential translates to a meaningful monthly savings during the fixed period — often in the range of $150–$250 per month depending on the rate environment, which compounds to real money over seven years. Over 84 months of fixed payments, that differential represents significant cumulative savings before the first adjustment ever occurs. Buyers working through the Albemarle County home loan process should run this math before committing to any product.
Now model the worst case. On a 7/1 ARM with a 5/2/5 cap structure, if your starting rate is, say, 6.00% (illustrative), the lifetime cap means your rate can never exceed 11.00%. At 11.00% on a $440,000 remaining balance, your P&I payment would be approximately $4,190 per month — a scenario worth knowing, even if current rate projections make it unlikely. Your budget stress test should confirm you can handle that payment before you commit to any ARM product.
Implementation Steps
1. Ask every originator for a payment comparison table showing: initial ARM payment, worst-case cap payment, and 30-year fixed payment for the same loan amount.
2. Calculate your break-even: divide the total initial-period savings (monthly savings × number of fixed months) by the potential payment increase at first adjustment. This tells you how long you’d need to stay in the home after adjustment to “give back” the savings.
3. Run the worst-case cap scenario through your monthly budget. If that payment is unmanageable, the ARM product isn’t right for your situation regardless of the initial rate attractiveness.
Pro Tips
This math exercise is what separates a well-structured ARM consultation from a rate pitch. If an originator — retail or otherwise — won’t show you the worst-case cap scenario in writing before you apply, that’s a signal about how the rest of the process will go. Demand the full picture.
4. Use the Comparison Table to See What Retail Lenders Won’t Show You
The Challenge It Solves
When Charlottesville buyers compare Movement to Fairway, they’re comparing two retail shops against each other. The more relevant comparison is between the retail model itself and what an independent wholesale broker can access. This table makes that comparison concrete — and it’s the comparison neither retail shop will volunteer. You can also get a mortgage pre-approval without hard pull through Cavalier Mortgage, letting you see real ARM pricing before any credit impact.
The Strategy Explained
The table below compares Cavalier Mortgage’s wholesale broker model against the retail model represented by Atlantic Coast Mortgage (Jenna Stiltner, NMLS #907344, ACM NMLS #643114) — the most-referenced retail name in Charlottesville realtor circles. This isn’t personal; it’s structural. The retail model has inherent constraints that wholesale access does not. For a detailed side-by-side breakdown of how these two models compare across loan types, fees, and program access, see the full Jenna Stiltner Atlantic Coast Mortgage comparison.
Cavalier Mortgage (Wholesale Broker) vs. Atlantic Coast Mortgage (Retail Lender)
Pricing Source: Cavalier Mortgage shops 500+ wholesale lenders simultaneously, with competitive pricing from investors who don’t carry retail overhead. Atlantic Coast Mortgage prices from a single internal rate sheet — one shelf, one margin structure, one take-it-or-leave-it quote.
Lender Pool Depth: Cavalier Mortgage accesses conventional, government, jumbo, non-QM, DSCR, bank statement, ITIN, and asset depletion ARM programs across hundreds of investors. Atlantic Coast Mortgage accesses their own approved investor relationships — a fraction of the wholesale market.
ARM Program Variety: Cavalier Mortgage can offer 5/1, 7/1, and 10/1 ARM terms across multiple index and cap structure combinations from competing investors. Atlantic Coast Mortgage offers ARM products within their own program guidelines — limited to what their institution has approved.
Rate Lock Flexibility: Wholesale channels available to Cavalier Mortgage include extended lock periods and float-down options not typically available in standard retail ARM offerings. Atlantic Coast Mortgage’s lock options are constrained by their internal lock desk policies.
FICO Floor: Cavalier Mortgage can access VA loan programs down to 500 FICO and non-QM ARM programs with flexible credit overlays. Retail lenders typically apply tighter credit overlays than their published minimums, particularly on ARM products.
Availability: Duane Buziak, Cavalier Mortgage — 24/7. Retail loan officers typically operate on business-hour schedules.
Implementation Steps
1. When evaluating any ARM quote, ask the originator to complete this same comparison framework for their offering. If they can’t or won’t, that tells you something.
2. Request a written Loan Estimate (the standardized federal disclosure form) from any originator before committing. This makes the pricing comparison legally standardized and apples-to-apples.
3. Confirm the originator’s NMLS number and verify it at NMLS Consumer Access — a free public database. Duane Buziak: NMLS #1110647. Coast2Coast Mortgage LLC: NMLS #376205.
Pro Tips
The retail model works fine for straightforward conventional purchases where the buyer fits neatly inside agency guidelines and isn’t particularly rate-sensitive. The moment you’re dealing with a jumbo ARM, a non-QM scenario, or a situation where 0.25% matters to your monthly budget — and in Charlottesville at $500,000+ price points, it always matters — the wholesale broker model is structurally superior.
5. Match the ARM Term to Your Actual Charlottesville Holding Period
The Challenge It Solves
The most common ARM mistake isn’t choosing the wrong rate — it’s choosing the wrong term for your actual situation. A 5/1 ARM is an excellent product for someone who genuinely plans to sell or refinance within four years. It’s a problematic product for someone who ends up staying seven. In Charlottesville, where buyer profiles vary widely from UVA faculty on contract cycles to move-up buyers in Crozet to first-time buyers in Waynesboro, matching the ARM term to the actual holding period is the strategy that determines whether the product works in your favor.
The Strategy Explained
Think of ARM term selection as a holding period hedge. The fixed period should comfortably exceed your expected time in the home — or at minimum, extend to a point where you’ve captured the majority of the rate savings before any adjustment risk materializes.
UVA faculty and staff often operate on three-to-five year contract or tenure-track cycles. A 5/1 or 7/1 ARM aligns naturally with that timeline: fixed-rate stability during the contract period, with a natural decision point (renew, relocate, or refinance) before the first adjustment. This is a qualitative alignment that makes structural sense without requiring any specific rate prediction.
Move-up buyers in Crozet or North Garden who know they’ll be in the home for eight to twelve years may find the 10/1 ARM more appropriate — capturing a rate advantage over the 30-year fixed for a decade before any exposure to adjustment. For buyers navigating this transition, the move-up buyer mortgage in Virginia process involves additional considerations around existing equity and bridge financing that are worth understanding before selecting an ARM term. First-time buyers in Waynesboro or Staunton with less certainty about their five-year trajectory may be better served by the 30-year fixed’s payment predictability, even at a higher initial rate.
Implementation Steps
1. Before evaluating any ARM product, write down your honest best estimate of how long you’ll be in the home. Include realistic scenarios: job change, family growth, relocation probability.
2. Map that estimate to ARM terms: if your holding period is under five years, a 5/1 ARM warrants serious consideration. Five to eight years points toward a 7/1 ARM. Eight to twelve years with rate-sensitivity points toward a 10/1 ARM.
3. Build in a buffer. If you think you’ll be there five years, plan for seven. Life extends timelines more often than it compresses them. Your ARM term should accommodate the extended scenario, not just the optimistic one.
Pro Tips
UVA’s role as Charlottesville’s largest employer creates a consistent population of buyers with known contract timelines — and that’s a genuine ARM alignment opportunity that a good broker will surface without prompting. If your originator isn’t asking about your employment situation and contract length before recommending an ARM term, they’re not doing their job.
6. Protect Yourself With the Right Cap Structure and Rate Lock Strategy
The Challenge It Solves
An ARM with the right initial rate but the wrong cap structure can expose you to payment shock that erases every dollar of initial savings. Meanwhile, buyers who don’t understand rate lock options in a volatile rate environment can lose a favorable ARM quote between application and closing. Both risks are manageable — but only if you know the tools available to you.
The Strategy Explained
Cap structure protection starts with understanding what you’re capped against. As noted in Strategy 2, a 5/2/5 cap provides more cushion at the initial adjustment than a 2/2/5 cap — the first number is the maximum rate increase allowed at the first adjustment event. For a buyer who’s uncertain whether they’ll be out of the home before year seven on a 7/1 ARM, the 5/2/5 structure provides a meaningful buffer: even if rates spike significantly, your first adjustment is capped at 5% upward movement from your starting rate.
Rate lock strategy is where wholesale broker access creates a second structural advantage. Wholesale channels often provide extended lock periods — 45, 60, or even 90 days — and float-down options that allow you to capture a rate decrease if the market moves in your favor after you lock. These options are less commonly available or more expensive through retail ARM offerings, where lock desk policies are set internally. Understanding all the tools available to avoid overpaying in interest on your Charlottesville mortgage — including cap selection and lock strategy — can save thousands over the life of an ARM loan.
A soft credit pull mortgage pre-approval lets you explore ARM pricing across multiple wholesale investors without triggering hard inquiries on your credit report. This is particularly valuable when you’re in the comparison stage and not yet committed to a specific product or lender. Under CFPB guidelines, multiple mortgage inquiries within a short window are typically treated as a single inquiry for scoring purposes — but starting with a soft pull keeps your options completely open before you decide to move forward.
Implementation Steps
1. When evaluating ARM cap structures, prioritize the first-adjustment cap if you have any uncertainty about your holding period. The 5/2/5 structure offers more first-adjustment protection than 2/2/5.
2. Ask your broker about float-down lock options: what’s the cost, what’s the trigger (how much must rates fall to activate the float-down), and what’s the lock period available. These details vary by wholesale investor and aren’t always volunteered.
3. Start your ARM evaluation with a soft pull pre-approval. Get real pricing from multiple wholesale investors before committing to a hard inquiry. Call (434) 443-7028 to start that process — 24/7.
Pro Tips
In a volatile rate environment, the float-down option on an extended lock can be worth more than a slightly lower initial rate. If rates drop 0.375% between your lock date and closing, a float-down option captures that savings automatically. That’s a real dollar benefit that retail ARM products often don’t make available on the same terms.
7. Apply ARM Strategy to Jumbo and Non-QM Scenarios Common in Charlottesville
The Challenge It Solves
The 2026 conforming loan limit is $806,500, as established by the FHFA. In Charlottesville and Albemarle County, where home values regularly push above that threshold — particularly in Ivy, Keswick, and the UVA corridor — jumbo ARM financing is a common and legitimate strategy. The challenge is that jumbo ARMs, DSCR ARMs for investors, and non-QM ARM products for self-employed buyers don’t exist in the retail ARM universe the way they exist in the wholesale channel. Buyers approaching these price points should also review the high balance mortgage Virginia options that sit between the standard conforming limit and full jumbo territory.
The Strategy Explained
Above the $806,500 conforming limit, you’re in jumbo territory. Jumbo ARMs are priced by portfolio lenders and private investors — entities that don’t sell loans to Fannie Mae or Freddie Mac. Their pricing is entirely relationship-dependent, and a broker with deep wholesale relationships accesses jumbo ARM investors that retail shops simply don’t have on their approved lender list.
DSCR (Debt Service Coverage Ratio) ARMs serve a specific and growing Charlottesville buyer profile: UVA-area investors purchasing rental properties where the loan qualifies on rental income rather than personal income. This product category essentially doesn’t exist at retail lenders in a competitive, shopped-pricing format. It’s a wholesale-channel product by design. Charlottesville-area investors evaluating this strategy should understand how DSCR loans in Virginia qualify, what ratio thresholds apply, and which ARM terms are available through wholesale non-QM investors.
Bank statement ARMs and asset depletion ARMs serve Charlottesville’s self-employed buyers, researchers, and UVA faculty with non-traditional income documentation. These are non-QM products — outside the qualified mortgage framework defined by the CFPB under TILA/Reg Z — and they require wholesale non-QM investor access that retail lenders typically don’t offer at all, or offer with severely limited program options.
Implementation Steps
1. If your purchase price exceeds $806,500, confirm immediately that your originator has active jumbo ARM investors and can price competitively across multiple portfolio lenders — not just one.
2. If you’re purchasing an investment property near UVA or in the broader Charlottesville rental market, ask specifically about DSCR ARM programs. Confirm the DSCR ratio requirements (typically 1.0–1.25x) and whether the ARM term options include 7/1 and 10/1 structures.
3. If your income is non-traditional — self-employment, consulting, research grants, partnership distributions — ask about bank statement and asset depletion ARM qualification. These programs use 12 or 24 months of bank statements or documented liquid assets in place of W-2 income verification.
Pro Tips
ITIN and foreign national ARM programs also exist in the wholesale channel — relevant for Charlottesville’s international UVA faculty and researcher population who may not have a Social Security number but have documented income and assets. These programs are almost exclusively broker-accessed. If your situation involves any non-standard income or documentation, the retail ARM universe isn’t built for you. The wholesale channel is.
Frequently Asked Questions: ARM Loans in Charlottesville VA
What is the difference between a 5/1 and 7/1 ARM in Charlottesville VA? A 5/1 ARM has a fixed interest rate for the first five years, then adjusts annually. A 7/1 ARM fixes the rate for seven years before annual adjustments begin. For Charlottesville buyers with a five-to-seven year expected holding period, the 7/1 ARM provides two additional years of rate certainty — often at a rate still meaningfully below the 30-year fixed.
Are ARM rates always lower than fixed rates? Not always, but typically yes in a normal yield curve environment where short-term rates are lower than long-term rates. In inverted yield curve conditions, the spread narrows or can temporarily disappear. Always compare the actual Loan Estimate numbers at the time of your application rather than assuming a fixed discount.
How does a mortgage broker get lower ARM rates than a retail lender? An independent mortgage broker submits your loan to wholesale lenders — a separate pricing channel with lower distribution costs than retail. Wholesale lenders pass those cost savings into pricing because they’re not funding branch networks or retail sales infrastructure. The broker shops multiple wholesale investors simultaneously, creating competitive pricing pressure that a single retail lender cannot replicate.
What ARM cap structure is safest for a Charlottesville buyer? A 5/2/5 cap structure provides the most protection at the initial adjustment — your rate can increase no more than 5% at the first adjustment event. This is particularly valuable if your holding period extends beyond the fixed period or if rate volatility is a concern. The 2/2/5 structure allows only a 2% first-adjustment increase but the same 5% lifetime cap.
Can I get an ARM loan with a FICO score below 680? Yes, depending on the program. Cavalier Mortgage can access VA ARM programs down to 500 FICO and non-QM ARM programs with flexible credit overlays. Conventional ARM programs through Fannie Mae and Freddie Mac typically require stronger credit profiles, but the wholesale channel provides access to portfolio and non-QM investors with more flexible underwriting.
Is a 7/1 ARM a good fit for UVA faculty buying near Charlottesville? Often yes. UVA faculty on three-to-five year contract or tenure-track cycles have a natural decision point before the 7/1 ARM’s first adjustment. The fixed period provides stability during the contract term, and the rate advantage over a 30-year fixed accumulates real savings over 84 months. The fit depends on the individual’s specific contract timeline and likelihood of relocation or refinance.
What is the SOFR index and how does it affect my ARM rate? SOFR (Secured Overnight Financing Rate) is the benchmark index used to calculate ARM rate adjustments after the fixed period ends. At each adjustment date, your new rate equals the current SOFR plus your loan’s fixed margin. A lower margin means less rate exposure when SOFR rises. SOFR replaced LIBOR as the dominant ARM index — the CFPB has documented this transition in detail.
Can I refinance out of an ARM before the adjustment period ends in Charlottesville VA? Yes. You can refinance an ARM into a fixed-rate loan or a new ARM at any point, subject to standard refinancing qualification requirements. There is generally no prepayment penalty on conforming ARM loans. If rates have moved favorably or your financial situation has strengthened since origination, refinancing before the first adjustment is a common and legitimate exit strategy. Cavalier Mortgage handles both purchase ARM origination and ARM refinancing across the same 500+ wholesale lender network.
Putting It All Together: Your ARM Strategy Roadmap
The Movement-versus-Fairway question assumes those are your only two options. They’re not — and in Charlottesville’s competitive, high-price-point market, framing the comparison that narrowly leaves real money on the table.
Here’s the prioritized roadmap: Start by understanding the retail ceiling (Strategy 1). Decode the ARM structure before any rate number matters (Strategy 2). Run the actual math on your specific loan amount (Strategy 3). Compare the retail model against wholesale broker access side by side (Strategy 4). Match the ARM term to your real holding period (Strategy 5). Protect yourself with the right cap structure and lock strategy (Strategy 6). And if your purchase exceeds the conforming limit or your income is non-traditional, make sure you’re accessing the non-QM and jumbo wholesale channel where those products actually live (Strategy 7).
In Charlottesville’s market — where a 0.25% rate difference on a $440,000 ARM translates to meaningful monthly savings over a seven-year fixed period — wholesale broker access isn’t a nice-to-have. It’s the strategy.
Start with a no hard inquiry mortgage pre approval that lets you see real ARM pricing across the wholesale market before any credit impact. Then make your decision from actual information rather than a two-brand retail comparison. Start your soft-pull pre-approval and see what 500+ wholesale lenders can price for your specific Charlottesville or Albemarle County purchase. Call me directly at (434) 443-7028 — available 24/7.
Over 1,400 five-star reviews across Google, Experience.com, Zillow, and Facebook reflect what Charlottesville buyers experience when they work with a broker who shops the full market rather than a retail shop that offers one shelf.
Credentials: VA Broker of the Year 2024 & 2025 (consecutive, solo producer) | Scotsman Guide Top Originator 2025 ($44.4M, #114 nationally) & 2026 ($51.2M) | UWM PRO ELITE 2025 | Top 1% Nationwide | 1,400+ five-star reviews on NMLS #1110647 — no team aggregation.
Author Bio: Duane Buziak, NMLS #1110647, is an independent mortgage broker based in Charlottesville, VA. VA Broker of the Year 2024 & 2025 (consecutive, solo producer). Scotsman Guide Top Originator 2025 (#114 nationally, $44.4M, 124 loans) & 2026 ($51.2M). UWM PRO ELITE 2025. Top 1% Nationwide. 1,400+ five-star reviews across Google, Experience.com, Zillow, and Facebook — all on a single NMLS number, no team aggregation. Originating through Coast2Coast Mortgage LLC (NMLS #376205), available 24/7 at (434) 443-7028.
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.