Charlottesville’s housing market doesn’t wait. With UVA driving consistent demand, inventory that routinely falls short of buyer appetite, and median home prices well above state averages, the buyers who win are the ones who walk in prepared. The buyers who lose are the ones who assumed any pre-approval letter and any loan program would be enough.
Whether you’re a first-time buyer eyeing a condo near the Corner, a UVA faculty member relocating from out of state, a veteran ready to use your VA benefits, or a move-up buyer trading into Crozet or Waynesboro, the home loan you choose — and how you position yourself before you ever tour — determines whether you close or get outbid.
I’m Duane Buziak, NMLS #1110647, an independent mortgage broker based in Charlottesville with access to 500+ wholesale lenders simultaneously. The strategies in this guide aren’t recycled from a national finance blog. They’re built for this market: competitive offer dynamics, UVA-adjacent pricing pressure, rural USDA zones in western Albemarle, and a rate environment where a quarter-point difference compounds into thousands over the life of your loan.
Work through all seven before you make an offer. And if you want to start right now without affecting your credit score, a soft credit pull mortgage pre-approval gives you real buying power clarity with no hard inquiry — no credit hit mortgage application required to get started.
1. Shop Wholesale, Not Retail — Your Broker Access Defines Your Rate
The Challenge It Solves
Most Charlottesville buyers walk into a bank or call a retail mortgage company and accept the rate they’re quoted. They don’t realize that retail pricing includes a built-in margin — the institution’s cost of doing business — layered on top of the underlying wholesale price. That margin is invisible to the borrower, but it shows up every month in their payment.
The Strategy Explained
As an independent mortgage broker, I don’t work for one lender. I work for you, shopping your file across 500+ wholesale lenders simultaneously to find the most competitive pricing, terms, and program fit for your specific profile. Wholesale pricing is structurally lower than retail because it bypasses the retail margin entirely.
Retail mortgage companies, including Atlantic Coast Mortgage, operate within a single institution’s pricing structure and product shelf. That may be perfectly adequate for a straightforward conventional purchase. But the moment your scenario involves a 500 FICO VA loan, a DSCR investment property, a bank statement program for a self-employed buyer, or layered down payment assistance, a single institution’s shelf becomes a ceiling rather than a starting point. Understanding why Charlottesville homebuyers choose a mortgage broker over a bank comes down to exactly this structural pricing difference.
The table below illustrates the structural difference clearly.
Cavalier Mortgage vs. Atlantic Coast Mortgage (Jenna Stiltner, NMLS #907344 / ACM NMLS #643114)
Feature | Cavalier Mortgage (Duane Buziak, NMLS #1110647) | Jenna Stiltner / Atlantic Coast Mortgage
Broker type: Independent wholesale broker | Retail mortgage company
Lender access: 500+ wholesale lenders | Single institution pricing
VA to 500 FICO: Yes | Not publicly listed
USDA/rural programs: Yes | Not publicly listed
Non-QM/bank statement: Yes | Not publicly listed
DPA programs: Dynamo DPA, Turbo DPA | Not publicly listed
Hours: 24/7 | Business hours
Reviews: 1,400+ at 4.98★ average | Not applicable
NMLS: #1110647 | #907344
Note: Competitor capabilities are listed as “not publicly listed” where data is not verifiable. The structural wholesale-vs-retail distinction is the core differentiator.
Implementation Steps
1. Before you contact any mortgage company, ask directly: “Are you a broker or a retail lender?” The answer tells you immediately whether you’re getting wholesale or retail pricing.
2. Request a Loan Estimate from at least two sources — a retail institution and an independent broker — and compare the APR, not just the rate. The APR incorporates fees and gives a more complete picture.
3. Ask your broker how many lenders they actively submitted files to in the last 30 days. Volume indicates real access, not just a list of names on a website.
Pro Tips
Wholesale pricing advantages are most pronounced on loan programs that require specialty underwriting: VA, USDA, non-QM, jumbo, and DSCR. If your scenario is straightforward, the gap may be smaller. If your scenario has any complexity, wholesale access is where deals get done that retail institutions decline.
2. Match Your Loan Program to Your Profile — Not Just Your Down Payment
The Challenge It Solves
The most common and most costly mistake Charlottesville buyers make is defaulting to conventional or FHA without evaluating the full program shelf. Many buyers assume their down payment determines their loan type. In reality, your income structure, credit history, military status, property location, and citizenship status all interact to determine which programs you actually qualify for — and which ones cost you the least.
The Strategy Explained
The Charlottesville and Albemarle County market includes buyer profiles that span a remarkably wide range. UVA faculty relocating internationally may qualify for ITIN or foreign national programs. Veterans purchasing anywhere in the city or county can use VA financing with no down payment and no private mortgage insurance — and through Cavalier Mortgage’s wholesale shelf, VA loans are available to borrowers with FICO scores as low as 500. The VA itself does not set a minimum credit score; individual lender overlays govern, and wholesale access means lower overlays.
Self-employed buyers — a significant segment in Charlottesville’s entrepreneurial and academic community — often find that conventional income documentation works against them even when their actual cash flow is strong. Bank statement programs and non-QM options underwrite on actual deposits rather than adjusted gross income, which frequently produces a higher qualifying loan amount.
For buyers in western Albemarle County and areas surrounding Crozet and Waynesboro, USDA Rural Development loans may offer 100% financing in eligible zones. Confirm current zone eligibility before assuming your target property qualifies — boundaries shift, and what was rural-eligible two years ago may have changed.
Implementation Steps
1. Before you choose a loan program, inventory your full profile: credit score range, employment type (W-2, 1099, self-employed, retired), military status, citizenship/visa status, and target property location.
2. Ask your broker to run a program comparison across every option you qualify for — not just the two most common. The right program for your profile may be one you’ve never heard of.
3. If you’re a first-time buyer or have limited cash reserves, ask specifically about Dynamo DPA and Turbo DPA layering options, which can be applied on top of FHA or conventional financing to cover a portion of your down payment or closing costs.
Pro Tips
VA loans eliminate PMI entirely. For a buyer who would otherwise carry PMI on a conventional loan, that monthly savings often outweighs the VA funding fee within the first few years of ownership. Run the math on your specific scenario before dismissing VA financing based on funding fee alone.
3. Get Pre-Approved Before You Tour — Without a Hard Credit Hit
The Challenge It Solves
In Charlottesville’s competitive corridors — Belmont, Fry’s Spring, the UVA Research Park area, and Crozet’s Western Ridge — desirable listings frequently receive multiple offers within days of hitting the market. A buyer who tours without a pre-approval letter is a buyer who will lose to one who has one. But there’s a critical distinction most buyers miss: pre-qualification and pre-approval are not the same document, and listing agents know the difference.
The Strategy Explained
A pre-qualification is a self-reported estimate. It’s based on information you provide without documentation verification. A pre-approval involves actual income documentation, asset verification, and credit review — producing a letter that carries real weight with a listing agent and seller reviewing competing offers.
The concern most buyers have is credit impact. Every hard inquiry can affect your score, and multiple inquiries within a short period can compound that effect. The solution is a no hard inquiry mortgage pre-approval: a soft credit pull that gives you and your broker a verified picture of your buying power without any impact to your credit score. The CFPB distinguishes clearly between hard and soft inquiries — a soft pull does not appear to other lenders and does not affect your score.
For UVA faculty relocating from out of state, this is especially valuable. You may be managing a simultaneous sale in another market, a complex employment contract, or an international pay structure. Starting with a soft pull mortgage broker review lets you understand your options before committing to a hard inquiry. Understanding what’s actually driving mortgage rates in Charlottesville at the time of your pre-approval also helps you set realistic expectations for your buying power range.
Implementation Steps
1. Contact Cavalier Mortgage before your first showing and request a soft-pull pre-approval review. You’ll provide income documentation and asset statements; I’ll pull a soft credit inquiry and give you a verified buying power range.
2. Understand the distinction between what you qualify for and what you’re comfortable carrying monthly. Pre-approval establishes your ceiling; your budget sets your floor.
3. Once you’re ready to make an offer, convert the soft-pull review to a full pre-approval letter — the hard inquiry happens once, at the point where it’s strategically timed for maximum impact.
Pro Tips
Listing agents in Charlottesville’s competitive submarkets can spot a generic pre-qual letter instantly. A pre-approval from a known local broker with 1,400+ five-star reviews and verified wholesale access carries more credibility than a letter from an online-only lender with no local market context.
4. Understand Rate Locks, Float-Downs, and When to Lock in This Market
The Challenge It Solves
Rate lock timing is one of the most consequential and least-discussed decisions in a home purchase. Most buyers treat it as an administrative step rather than a strategic one. In Charlottesville’s market — where new construction in Crozet and Waynesboro can carry 6-to-9 month build timelines — getting the lock decision wrong can cost thousands or force a rate renegotiation at closing.
The Strategy Explained
A rate lock guarantees your interest rate for a defined period, typically 30, 45, or 60 days for existing home purchases. Longer locks cost more in the form of a slightly higher rate or an upfront fee. New construction timelines frequently exceed standard lock windows, creating scenarios where buyers must either pay for an extended lock or float the rate and accept whatever the market offers at closing.
Wholesale lenders generally offer more flexible lock structures than retail institutions — including float-down options that allow you to capture a lower rate if the market moves in your favor during the lock period. Float-down provisions typically require rates to drop by a defined threshold (often 0.25% or more) before triggering, and they carry a cost. Whether that cost is justified depends on your rate environment outlook and your lock period length.
For Charlottesville buyers purchasing existing homes in a 30-to-45 day close window, locking at contract execution is typically the right move in a volatile rate environment. For new construction buyers in Crozet or Waynesboro with extended timelines, the float-down conversation should happen at application — not when you’re 30 days from closing and rates have moved against you. Reviewing proven Charlottesville real estate financing strategies before you go under contract gives you the framework to make this decision confidently.
Implementation Steps
1. At application, tell your broker your expected closing timeline explicitly. New construction, estate sales, and complex transactions often run longer than standard. Your lock strategy should be built around your actual timeline, not a generic 30-day assumption.
2. Ask your broker to present both a standard lock and a float-down option side by side, with the cost of each quantified in dollars — not just basis points.
3. If you’re building in Crozet or Waynesboro, ask about extended lock programs and one-time float-down provisions available through the wholesale lender shelf. These are not universally available at retail institutions.
Pro Tips
In a falling rate environment, floating can save money. In a volatile or rising environment, locking early protects you. The right answer depends on current conditions at the time you’re under contract — get that analysis from your broker at the time of application, not after the fact.
5. Run the Real Math Before You Apply — A Charlottesville Worked Example
The Challenge It Solves
Most buyers focus on the interest rate. The rate matters, but it’s one variable in a multi-variable equation. Program selection — which loan type you use — often drives total cost more than a quarter-point rate difference. The only way to see this clearly is to run the actual numbers side by side before you choose a program.
The Strategy Explained
Let’s use a representative Albemarle County purchase price of $525,000 and run three scenarios at the same assumed interest rate of 6.75% (for apples-to-apples comparison) with a 30-year term. Note that actual rates vary by program, borrower profile, and market conditions — confirm current rates with Cavalier Mortgage directly.
For Albemarle County property tax, the current real property tax rate is available at albemarle.org — confirm the current fiscal year rate before applying these estimates. This example uses a placeholder rate of $0.854 per $100 of assessed value (confirm current rate); on a $525,000 assessed value that produces approximately $4,484 annually, or $374/month.
Scenario A: Conventional Loan, 5% Down
Down payment: $26,250. Loan amount: $498,750. At 6.75%, the principal and interest payment is approximately $3,234/month. PMI on a conventional loan at 5% down typically runs 0.5%–1.0% of the loan amount annually — estimate $207–$415/month depending on your credit profile. Add property tax of approximately $374/month. Total estimated monthly carrying cost: $3,815–$4,023 before homeowners insurance. For a detailed breakdown of how conventional financing stacks up in this market, the conventional loan Charlottesville guide walks through qualification requirements and cost structures specific to Albemarle County buyers.
Scenario B: VA Loan, 0% Down
Down payment: $0. Loan amount: $525,000. No PMI — ever. The VA funding fee for a first-use purchase with no down payment is currently 2.15% of the loan amount (confirm current fee schedule at VA.gov), which equals $11,288 — typically financed into the loan, bringing the effective loan amount to approximately $536,288. P&I at 6.75%: approximately $3,477/month. Add property tax: $374/month. Total estimated monthly: approximately $3,851 — with no PMI and no down payment out of pocket. For eligible veterans, this scenario frequently outperforms conventional financing even accounting for the funding fee.
Scenario C: FHA with Dynamo DPA Assistance
FHA requires a minimum 3.5% down payment on loans above 580 FICO ($18,375 on a $525,000 purchase). With Dynamo DPA layered on top, a portion of that down payment and/or closing costs may be covered — reducing your effective out-of-pocket at closing. FHA MIP (mortgage insurance premium) is required for the life of the loan in most scenarios. At current FHA MIP rates (confirm at HUD.gov), monthly MIP on a $506,625 loan (3.5% down) runs approximately $267/month. P&I at 6.75%: approximately $3,285/month. Add property tax and MIP: total estimated monthly approximately $3,926 — but with meaningfully reduced upfront cash required compared to Scenario A. The full range of down payment assistance programs in Charlottesville covers additional layering options beyond DPA alone.
The takeaway: at identical rates, Scenario B (VA) eliminates PMI entirely and requires no down payment. Scenario C (FHA + DPA) reduces upfront cash. Scenario A requires the most cash to close and carries ongoing PMI until you reach 20% equity. Program selection is the decision — not rate-chasing.
Implementation Steps
1. Before you apply anywhere, ask your broker to produce a side-by-side program comparison using your actual purchase price target and current rate quotes for each program.
2. Calculate your break-even on PMI: how long until conventional equity-based PMI removal saves you more than VA or FHA alternatives? The answer varies by appreciation rate and loan balance.
3. Confirm current VA funding fee, FHA MIP rates, and Albemarle County property tax rate at the time of your purchase — all three figures are updated periodically.
Pro Tips
Veterans with a service-connected disability rating of 10% or greater are exempt from the VA funding fee entirely. If that applies to you, the VA loan math becomes even more compelling — confirm your exemption status with your Certificate of Eligibility before running program comparisons.
6. Win Competitive Offers Without Raising Your Price — Financing as a Competitive Tool
The Challenge It Solves
In Charlottesville’s high-demand corridors — particularly the UVA-adjacent neighborhoods, Crozet’s established sections, and Belmont — sellers often receive multiple offers. Buyers instinctively respond by increasing their offer price. But financing structure can be equally persuasive to a motivated seller, and it doesn’t cost you additional purchase price.
The Strategy Explained
A verified pre-approval letter from a known, credentialed local broker carries more weight than a generic pre-qual from an online platform. When a listing agent presents competing offers to a seller, the strength and clarity of the financing documentation directly influences perceived certainty of close. A letter that names the lender, confirms the loan amount, and is backed by a broker with documented local market volume signals a transaction that will actually close — not one that might. Buyers who want a deeper look at how financing documentation affects offer outcomes will find the Albemarle County home loan strategies guide directly relevant to this competitive dynamic.
Seller concession structuring is a second lever. Rather than increasing purchase price, a buyer can offer to accept fewer seller concessions in exchange for a cleaner offer — or structure the concessions to cover specific closing cost categories the seller finds less objectionable. This requires knowing your actual closing cost exposure in advance, which a detailed Loan Estimate from your broker provides.
For move-up buyers who need to sell their existing home before purchasing, bridge financing sequencing matters. Carrying two mortgages simultaneously is rarely viable, but a properly sequenced close — with your broker coordinating the timeline between your sale and purchase — can eliminate the gap without requiring a contingent offer that sellers routinely reject in competitive markets. The move-up buyer mortgage guide for Virginia covers bridge financing sequencing in detail for buyers navigating this exact scenario.
Implementation Steps
1. Ask your broker for a pre-approval letter that is property-specific and offer-specific — not a generic “up to $X” letter. Property-specific letters signal seriousness and reduce seller uncertainty.
2. Before you make an offer, have your broker produce a full Loan Estimate so you know your exact closing cost exposure. This lets you structure concession requests precisely rather than guessing.
3. If you’re a move-up buyer, discuss bridge financing and close sequencing with your broker before you list your current home — not after you’re under contract on both properties simultaneously.
Pro Tips
Closing date flexibility is often more valuable to a seller than purchase price. A seller who needs 60 days post-close to vacate, or who has a specific date tied to a school calendar or relocation package, may accept a lower offer with flexible terms over a higher offer with a rigid 30-day close. Ask your real estate agent to find out what the seller actually needs before you structure your offer.
7. Plan Your Refinance Exit Before You Close — Rate Strategy Starts at Origination
The Challenge It Solves
Most buyers treat their closing date as a finish line. Sophisticated buyers treat it as the starting point of a long-term financing strategy. The loan you close today doesn’t have to be the loan you carry for 30 years — but taking advantage of future rate or equity opportunities requires understanding them before you close, not after.
The Strategy Explained
Charlottesville and Albemarle County have demonstrated consistent home appreciation over time, driven by UVA’s institutional stability, limited developable land in the urban ring, and sustained in-migration from the DC corridor. That appreciation builds equity — and equity creates refinance options that weren’t available at origination.
A rate-and-term refinance makes sense when the new rate is meaningfully lower than your current rate and you plan to remain in the home long enough to recoup the closing costs through monthly savings. The common rule of thumb is a 1% rate reduction, but the real answer depends on your remaining loan balance, your closing cost exposure, and your expected time in the home. Charlottesville homeowners considering their options will find the detailed breakdown of refinance rates in Charlottesville VA useful for benchmarking current market conditions against their existing loan.
Cash-out refinancing to 90% LTV is available through Cavalier Mortgage’s wholesale shelf — a ceiling that many retail institutions don’t reach. For Charlottesville homeowners who purchased several years ago and have seen meaningful appreciation, a cash-out refinance in Virginia can fund renovations, investment property down payments, or debt consolidation at mortgage rates rather than consumer credit rates.
The key is discussing your refinance threshold at origination. If you know today that you’d refinance if rates drop by 0.75%, you and your broker can set up a rate monitoring arrangement so you’re not scrambling to act when the window opens.
Implementation Steps
1. At closing, document your break-even refinance rate — the rate at which a refi would recover its closing costs within your expected remaining time in the home. This gives you a clear trigger rather than a vague intention to “watch rates.”
2. Ask your broker about cash-out refinance thresholds and LTV limits on your specific loan type. VA cash-out, conventional cash-out, and non-QM cash-out have different rules and different maximum LTVs.
3. If you’re purchasing in a higher-rate environment with the expectation that rates will decline, ask your broker to structure your loan with refinance flexibility in mind — some programs carry prepayment penalties or recapture provisions that affect refi economics.
Pro Tips
The buyers who refinance most effectively are the ones who stayed in contact with their broker after closing. Rate monitoring, equity tracking, and program eligibility changes all create refinance opportunities — but only if someone is watching. A 24/7 available broker who knows your file from origination is a structural advantage here that a retail institution rarely provides.
Frequently Asked Questions: Home Loans in Charlottesville VA
What credit score do I need for a home loan in Charlottesville VA?
It depends on the loan program. Conventional loans typically require a minimum 620 FICO, though better pricing is available at 740+. FHA loans go to 580 with 3.5% down, and to 500 with 10% down. VA loans through Cavalier Mortgage’s wholesale shelf are available to borrowers with FICO scores as low as 500 — the VA does not set a minimum credit score by statute; individual lender overlays govern. USDA, DSCR, and non-QM programs each have their own thresholds. The best starting point is a soft-pull review that shows your actual score and maps it to every program you qualify for.
Can I use a VA loan to buy near UVA or in Charlottesville city limits?
Yes. VA loan eligibility is based on your military service status, not the property location. There are no geographic restrictions that exclude Charlottesville city limits or UVA-adjacent neighborhoods. VA loans can be used for single-family homes, condos (in VA-approved condo projects), and multi-unit properties up to four units if you occupy one. Confirm current conforming loan limits at FHFA.gov if your purchase price approaches jumbo territory.
Is USDA financing available in Albemarle County or Crozet?
Portions of western Albemarle County and areas surrounding Crozet and Waynesboro have historically included USDA-eligible zones, but eligibility boundaries change as population data updates. Verify current property eligibility at the USDA eligibility mapping tool before assuming your target property qualifies. USDA Rural Development loans offer 100% financing with no down payment requirement for eligible properties and income-qualifying borrowers.
What’s the difference between pre-qualification and pre-approval for a Charlottesville mortgage?
A pre-qualification is a self-reported estimate based on information you provide without documentation verification. A pre-approval involves actual income documentation, asset statements, and a credit review — producing a verified letter that carries real weight with listing agents in competitive offer situations. In Charlottesville’s market, where multiple-offer scenarios are common in high-demand neighborhoods, a pre-approval letter from a credentialed local broker meaningfully outperforms a generic pre-qual from an online platform.
How does an independent mortgage broker get me a lower rate than my bank?
Independent brokers access wholesale pricing from hundreds of lenders simultaneously. Wholesale pricing is structurally lower than retail because it bypasses the retail margin that banks and retail mortgage companies build into their rate quotes. When you apply at a bank, you receive that institution’s pricing. When you apply through an independent broker, your file is shopped across a competitive marketplace of wholesale lenders, and the best available pricing wins. The difference is most pronounced on specialty programs — VA, USDA, non-QM, jumbo — but exists across conventional and FHA as well.
What down payment assistance programs are available in Charlottesville VA?
Cavalier Mortgage offers Dynamo DPA and Turbo DPA programs that can be layered on top of FHA or conventional financing to cover a portion of your down payment and/or closing costs, reducing effective out-of-pocket at closing. These programs have income and property eligibility requirements — confirm current program parameters directly. Virginia Housing (formerly VHDA) also offers state-level down payment assistance programs for qualifying buyers. Ask your broker to run a full DPA eligibility review before you assume you need to come to closing with a full conventional down payment.
Can I get a mortgage in Charlottesville if I’m self-employed or paid on 1099?
Yes. Bank statement loan programs and non-QM options underwrite on actual cash flow — typically 12 or 24 months of personal or business bank statements — rather than tax-return adjusted gross income. This is particularly relevant for Charlottesville’s entrepreneurial and academic community, where 1099 income, consulting arrangements, and business ownership often produce strong actual cash flow that conventional income documentation understates. ITIN and foreign national programs are also available for buyers who don’t have a Social Security number.
How do I get pre-approved for a home loan without a hard credit inquiry?
A soft credit pull mortgage pre-approval uses a soft inquiry that does not appear to other lenders and does not affect your credit score — confirmed by the CFPB’s guidance on hard vs. soft inquiries. At Cavalier Mortgage, you can start the pre-approval process with a soft pull to get a verified picture of your buying power, your program options, and your rate range — with no credit score impact. The hard inquiry is triggered only when you’re ready to formally apply, timed strategically to minimize any score effect.
Your Charlottesville Home Loan Action Plan
Seven strategies. Each one is actionable before you make your first offer. Here’s how to sequence them:
Start with your broker access. Confirm you’re working with an independent wholesale broker — not a retail institution — before you do anything else. The pricing structure you lock into at the beginning shapes every number that follows.
Map your profile to the right program. Don’t assume conventional or FHA. Run the full shelf: VA, USDA, bank statement, DPA-layered, non-QM. One of those programs may cost you significantly less over the life of your loan than the one you assumed you’d use.
Get your pre-approval in place now. Start with a no hard inquiry mortgage pre-approval via soft pull. Know your buying power before you tour. Convert to a full pre-approval when you’re ready to offer.
Run the real math. Use the worked dollar example framework in Strategy 5 with your actual purchase price target and current program rates — always verify live rates directly with Cavalier Mortgage, as they change daily. Program selection is the decision — not rate-chasing.
Build your offer strategy around your financing. A verified pre-approval letter, a clear Loan Estimate, and a broker with documented local volume are competitive tools — use them.
Plan your refinance exit at origination. Know your break-even rate trigger before you close. Set up a monitoring arrangement with your broker. The buyers who refinance most effectively are the ones who stayed in contact.
I’m available 24/7 — not because it’s a marketing line, but because Charlottesville buyers make decisions on evenings, weekends, and the same day they fall in love with a property. Whether you’re a first-time buyer, a UVA faculty member relocating from out of state, a veteran ready to use your benefits, or a move-up buyer exploring non-traditional loan options, Cavalier Mortgage delivers broker-superior solutions by shopping 500+ wholesale lenders to secure terms retail banks simply can’t match.
The full credential picture: VA Broker of the Year 2024 & 2025, Scotsman Guide Top Originator 2025 ($44.4M) & 2026 ($51.2M), UWM PRO ELITE 2025, Top 1% Nationwide, and 1,400+ five-star reviews across Google, Experience.com, Zillow, and Facebook — all on a single NMLS number, #1110647. National ranking, local expertise, and a review footprint that backs both claims up.
Ready to find out exactly what you qualify for? Start with a soft credit pull mortgage review — a true no hard inquiry mortgage pre-approval that leaves your credit score untouched while you explore your options. As your soft pull mortgage broker, Duane shops all 500+ wholesale lenders on your behalf before a single hard inquiry happens. Start your soft-pull pre-approval online or call/text (434) 443-7028 — available 24/7. For today’s live rates, contact Cavalier Mortgage directly rather than relying on any published figure.
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