Charlottesville’s housing market doesn’t wait. Albemarle County inventory stays tight, UVA-driven demand keeps competition fierce, and sellers routinely field multiple offers within days of listing. In that environment, mortgage readiness isn’t a box to check — it’s a competitive edge. But approval isn’t guaranteed, and most buyers don’t realize how many variables are actually within their control before they ever submit an application.
The good news: most approval obstacles are fixable. Credit gaps, down payment shortfalls, income documentation challenges, and program mismatches all have solutions — if you know which tools and strategies to deploy. Whether you’re a first-time buyer in Crozet, a UVA faculty member navigating student loan debt, or a move-up buyer in Waynesboro, the moves below apply directly to your situation.
One more thing before we dive in: a soft credit pull mortgage pre-approval with Cavalier Mortgage won’t affect your score at all. It’s the fastest way to know exactly where you stand before you start shopping.
By Duane Buziak, NMLS #1110647 | Cavalier Mortgage | (434) 443-7028
1. Cavalier Mortgage — Independent Wholesale Broker
Best for: Buyers who want the widest approval path, lowest wholesale pricing, and 24/7 expert access
Cavalier Mortgage is Charlottesville’s top-ranked independent mortgage broker, shopping 500+ wholesale lenders simultaneously to find the strongest approval path for each buyer’s actual financial profile.
Where This Tool Shines
Here’s the fundamental difference between a broker and a retail lender: when you walk into a bank or call a retail loan officer, you get one rate shelf, one set of underwriting overlays, and one set of FICO minimums. When you work with Cavalier Mortgage, your file goes to 500+ wholesale lenders at once — and the one with the best pricing, the most favorable overlays, and the right program for your specific situation wins your loan.
That matters enormously at edge cases. VA loans approved to 500 FICO. Self-employed buyers on bank statement programs. ITIN and foreign national buyers. Buyers who need down payment assistance without depleting reserves. These are approvals that retail lenders routinely decline — and that Cavalier Mortgage’s wholesale shelf routinely closes. Duane Buziak is a solo producer ranked #114 nationally on the Scotsman Guide Top Originators list for 2026 ($51.2M), with consecutive VA Broker of the Year titles in 2024 and 2025. That volume on a single NMLS number reflects real approval depth, not team aggregation.
Key Features
500+ Wholesale Lenders Shopped Simultaneously: Not a single retail shelf — your file is competed for by hundreds of investors, driving pricing down and approval options up.
VA Loans to 500 FICO: The VA itself sets no minimum FICO — retail lenders add overlays that typically floor at 580–620. Cavalier Mortgage’s wholesale shelf reaches 500 FICO, a critical differentiator for veterans with credit challenges.
Dynamo DPA and Turbo DPA: Wholesale-channel down payment assistance programs that preserve cash reserves — strengthening the overall approval profile rather than simply reducing the down payment requirement.
Non-QM, Bank Statement, ITIN, and Asset Depletion Programs: For buyers whose income doesn’t fit a W-2 box — self-employed professionals, UVA contractors, international faculty, and investors.
Soft Credit Pull Pre-Approval: A no hard inquiry mortgage pre-approval means your score isn’t touched during initial qualification. Multiple hard pulls within a 14–45 day window are typically treated as a single inquiry by FICO models (per CFPB guidance), but starting with a soft pull eliminates the question entirely.
24/7 Availability: Not banker’s hours. Charlottesville’s market moves on weekends and evenings — Duane is reachable when competing loan officers aren’t.
Best For
Any buyer in Charlottesville, Albemarle County, Crozet, Waynesboro, or Staunton who wants the broadest possible approval options — especially VA-eligible buyers, self-employed borrowers, first-time buyers needing DPA, and anyone who has been turned down elsewhere. Also ideal for buyers who want to rate-shop without the friction of multiple applications.
Pricing
Broker fees disclosed upfront; wholesale pricing typically lower than retail. No application fee for soft pull pre-qualification. Call (434) 443-7028 or visit cavaliermortgage.com.
2. AnnualCreditReport.com — Free Federal Credit Report Access
Best for: Every buyer — this is the mandatory first step before any mortgage application
AnnualCreditReport.com is the only federally authorized source for free credit reports from all three bureaus, mandated under the Fair Credit Reporting Act.
Where This Tool Shines
Lenders pull all three bureaus when you apply for a mortgage. Errors, outdated collections, duplicate accounts, and identity theft flags show up on your report before they show up in a denial letter — but only if you look first. Pulling your own report here is a soft inquiry with zero score impact, and it gives you the same raw data your lender will see.
For Charlottesville-area buyers specifically, this matters because credit report errors are more common than most people expect. Medical collections from UVA Health or Sentara, student loan servicer reporting errors, and old Virginia utility accounts that weren’t properly closed can all drag scores without the buyer knowing. The CFPB’s credit report resources walk through the dispute process clearly — and disputes resolved before application can meaningfully move a score within 30–60 days.
Key Features
All Three Bureau Reports, Free: Equifax, Experian, and TransUnion — no subscription, no credit card required.
Federally Mandated Under FCRA: This is the real site, not a lookalike. Avoid third-party “free credit report” services that require billing information.
Pre-Application Error Identification: Find derogatory marks, incorrect balances, and collection accounts before a lender sees them — giving you time to dispute and resolve.
No Score Impact: Pulling your own report is always a soft inquiry. It does not affect your credit score.
Bureau Dispute Access: Each bureau’s dispute process is accessible directly from the report — no third party required.
Best For
Every buyer, without exception. Pull all three reports at least 60–90 days before applying for a mortgage. That window gives you time to dispute errors and see corrections reflected before a hard pull occurs.
Pricing
Free — federally mandated at AnnualCreditReport.com. Weekly free access is currently available under updated FCRA provisions.
3. USDA Eligibility Map — Rural Property Qualifier
Best for: Buyers targeting properties in rural Albemarle County, Crozet, Augusta County, Waynesboro, or Staunton with limited down payment funds
The USDA’s official eligibility tool lets buyers instantly check whether a specific property address qualifies for a USDA zero-down loan — a program that dramatically improves approval odds for buyers constrained by down payment.
Where This Tool Shines
Zero down payment is the headline, but the real approval advantage is what zero down does to your reserves. When a buyer doesn’t have to drain savings to cover a down payment, they arrive at closing with cash reserves intact — and reserves are one of the strongest compensating factors lenders use when evaluating marginal credit or DTI situations. USDA-eligible buyers in areas like rural Albemarle, parts of the Crozet corridor, and Augusta County (which includes Waynesboro and Staunton) can use this program to present a substantially stronger financial profile than a conventional buyer stretching to cover 3–5% down.
The eligibility map is address-specific, updated periodically by USDA, and authoritative. Don’t rely on third-party interpretations — run the actual address through the official tool. Income limits apply and vary by household size and county, but many Charlottesville-area buyers are surprised to find they qualify.
Key Features
Instant Address-Level Eligibility Check: Enter the specific property address — not a zip code or general area — and get an immediate result.
Covers Key Charlottesville-Adjacent Areas: Rural Albemarle County, portions of the Crozet area, and Augusta County (Waynesboro/Staunton) frequently qualify.
Zero Down Payment: Preserves cash reserves, which strengthens the overall approval profile and provides a buffer for post-closing financial stability.
Household Income Eligibility Check: The same tool includes income limit verification by county and household size — check both property and income eligibility in one session.
Official USDA Source: No third-party interpretation or lead-capture required.
Best For
First-time buyers and move-up buyers targeting properties outside Charlottesville’s urban core who have solid income and credit but limited down payment savings. Particularly relevant for buyers in Waynesboro, Staunton, and rural Albemarle who are often unaware their target neighborhoods qualify.
Pricing
The eligibility tool is free. The USDA loan itself carries a funded guarantee fee of 1% of the loan amount (financed into the loan) plus a 0.35% annual fee — significantly lower than FHA MIP in most scenarios. Access through Cavalier Mortgage’s USDA program.
4. Virginia Housing (VHDA) — State DPA and First-Time Buyer Programs
Best for: First-time buyers in Charlottesville, Albemarle, Waynesboro, and Staunton who need down payment assistance alongside a competitive loan
Virginia Housing administers the state’s primary down payment assistance and first-time homebuyer loan programs, available to qualifying buyers across the Charlottesville and Shenandoah Valley region.
Where This Tool Shines
Virginia Housing programs work alongside broker-originated FHA and conventional loans — meaning you can layer state DPA on top of a wholesale-priced loan from Cavalier Mortgage rather than accepting a retail lender’s bundled offer. The Mortgage Credit Certificate (MCC) is particularly powerful: it converts a portion of your annual mortgage interest into a direct federal tax credit, reducing your effective monthly cost and improving your long-term financial position. For UVA staff and faculty on fixed salary scales, the MCC can meaningfully offset the cost of homeownership in a high-price market.
Virginia Housing also requires homebuyer education, which is typically completed online and takes a few hours. That requirement is a feature, not a burden — buyers who complete it consistently report feeling more confident navigating the offer and closing process in competitive markets like Charlottesville.
Key Features
Down Payment Assistance Grants and Second Mortgages: Reduces the cash-to-close requirement without requiring buyers to deplete emergency reserves.
Mortgage Credit Certificate (MCC): A federal tax credit on a portion of annual mortgage interest — available to first-time buyers within income and purchase price limits.
Compatible with FHA and Conventional Loans: Can be layered with broker-originated loans for maximum pricing advantage.
Income and Purchase Price Limits: Vary by locality — Charlottesville City and Albemarle County limits differ from Augusta County. Verify current limits at virginiahousing.com.
Homebuyer Education Requirement: Typically fulfilled online; fulfills a common lender requirement simultaneously.
Best For
First-time buyers across the Charlottesville metro and Shenandoah Valley who meet income and purchase price limits. Especially valuable when combined with Cavalier Mortgage’s Dynamo DPA or Turbo DPA for layered assistance strategies.
Pricing
DPA amounts and terms vary by program and are subject to income and purchase price limits. Access through participating brokers including Cavalier Mortgage. Visit virginiahousing.com for current program details.
5. Atlantic Coast Mortgage — Retail Lender Comparison Point
Best for: Buyers who want to understand what a well-regarded local retail lender offers — and where its limits are
Atlantic Coast Mortgage is a retail mortgage lender with a strong Charlottesville-area presence, led by Jenna Stiltner (NMLS #907344) — the most-referenced competing loan officer in local realtor networks.
Where This Tool Shines
Atlantic Coast Mortgage has genuine market presence in Charlottesville. Jenna Stiltner is well-known in local realtor circles, and for a straightforward conventional purchase with strong credit and W-2 income, a retail lender can execute competently. If your file is clean — 700+ FICO, full documentation, standard income — the difference between retail and wholesale may come down to rate and fee comparison rather than program availability.
The meaningful limitations emerge at the edges. Atlantic Coast Mortgage operates as a single-lender retail shop: one rate shelf, one set of underwriting overlays, one set of FICO minimums. When a buyer needs VA at 500 FICO, a bank statement program for self-employment income, or a non-QM path for an ITIN borrower, a retail shelf simply doesn’t have those products. That’s not a criticism of the loan officers — it’s the structural reality of retail lending versus wholesale broker access.
Key Features
Established Charlottesville-Area Retail Presence: Known in local realtor networks; relationships with agents across Albemarle County.
Conventional, FHA, and VA Programs: Standard retail program menu for qualified borrowers.
Single-Lender Retail Underwriting: One rate shelf, one set of overlays — pricing is set by the institution, not competed across a marketplace.
FICO Minimums Higher Than Wholesale: Retail overlays typically floor VA and FHA programs above the agency minimums. A 500 FICO VA approval is not available through retail underwriting at this level.
Limited Non-QM Depth: Bank statement, ITIN, asset depletion, and DSCR programs are not typically available through a single-institution retail model.
Best For
Buyers with clean, straightforward files — strong FICO, W-2 income, standard documentation — who have an existing relationship with ACM and want a local point of contact. For any complexity in the file, compare directly against a wholesale broker quote before committing.
Pricing
Retail pricing — rates set by single lender shelf. Request a Loan Estimate and compare it directly against a wholesale broker quote from Cavalier Mortgage before making a decision. The comparison takes minutes and could save thousands over the life of the loan.
A Worked Example: What Program Selection Actually Costs
Let’s put real numbers to the program decision. Consider a buyer with a 580 FICO score purchasing a $420,000 home in Waynesboro, Virginia.
FHA Path: 3.5% down = $14,700. Loan amount: $405,300. Upfront MIP: 1.75% = $7,093 (financed into the loan). Annual MIP: 0.85% of the loan balance = approximately $287/month. Important: FHA MIP persists for the life of the loan when the down payment is under 10%, per HUD guidelines. Minimum FICO for 3.5% down is 580.
VA Path (if eligible): $0 down. No monthly MIP. VA funding fee: 2.15% first use = $9,030 financed. At 500 FICO, this path is available through Cavalier Mortgage’s wholesale shelf — not available at most retail lenders. The VA itself sets no minimum FICO score, per VA.gov; retail lenders add overlays that typically floor at 580–620.
Conventional Path at 580 FICO: Typically requires 5–10% down at this score. PMI at 580 FICO runs higher than FHA MIP for most buyers and may not be available from all lenders. Through Cavalier Mortgage’s wholesale shelf, some investors price 580 FICO conventional — but FHA is generally the stronger path at this score tier.
At an illustrative rate (call for current pricing — rates change daily), the difference between FHA MIP and a VA loan with no monthly insurance can represent $200–$350/month in payment. Over five years, that’s $12,000–$21,000. A wholesale broker running all three programs simultaneously finds the optimal path. A retail lender offers one.
6. Rocket Mortgage — Digital-First Retail Lender
Best for: Buyers who prioritize a fully digital application experience and have clean, straightforward files
Rocket Mortgage is a large national direct-to-consumer retail lender known for its digital application experience and brand recognition.
Where This Tool Shines
Rocket Mortgage’s technology is genuinely good. The document upload process is clean, the application interface is intuitive, and for a buyer with strong credit and standard W-2 income who wants to move fast digitally, it’s a reasonable starting point for understanding what a retail lender will offer.
The structural limitation is the same as any retail lender: Rocket is a single-lender platform. Its rates are set by its own pricing engine, its overlays are its own, and its program menu is retail. There are no bank statement programs, no ITIN paths, no DSCR investor loans, and no 500 FICO VA approvals. For Charlottesville buyers with any complexity in their file — self-employment, student loan IBR situations, non-traditional income, or sub-620 credit — the digital experience doesn’t compensate for the program limitations.
Key Features
Fully Digital Application: Clean document upload, automated income verification, and a streamlined online process.
Single Retail Lender: One rate, one set of underwriting overlays — no wholesale marketplace competition on your file.
Higher FICO Floors Than Wholesale: Retail overlays typically push minimum FICO requirements above agency floors — particularly for FHA and VA.
No Non-QM, Bank Statement, or ITIN Programs: Self-employed buyers, foreign nationals, and ITIN borrowers will not find solutions here.
Best For
Tech-forward buyers with clean W-2 income and strong credit who want to benchmark what a major retail lender will offer. Always compare the Loan Estimate against a wholesale broker quote — retail pricing typically carries higher margin than wholesale.
Pricing
Retail pricing. Origination fees and rates vary. Request a Loan Estimate and compare directly against Cavalier Mortgage’s wholesale pricing before committing.
7. Veterans United — VA Loan Specialist Retail Lender
Best for: VA-eligible buyers who want to understand the VA loan program from a brand-name specialist — with the understanding that wholesale VA access offers broader approval options
Veterans United is a nationally recognized retail lender specializing in VA loans, with strong brand awareness among military buyers and veterans.
Where This Tool Shines
Veterans United knows the VA loan program well. Their loan officers are VA-focused, their marketing is military-community-oriented, and for a veteran with solid credit and a clean file, they can execute a VA purchase competently. As a resource for understanding VA loan basics — entitlement, funding fee, COE requirements — their educational content is solid.
The approval ceiling is where the comparison matters. Veterans United is a retail lender with its own underwriting overlays. Those overlays typically set FICO minimums above the VA’s actual guidelines (which set no minimum, per VA.gov). A veteran with a 520 FICO who has been declined by Veterans United or another retail VA lender may have a clear approval path through Cavalier Mortgage’s wholesale shelf — because wholesale investors compete for that business where retail lenders won’t go. Veterans United also has no conventional, FHA, USDA, or non-QM program depth, which limits options for veterans whose situation calls for a different program.
Key Features
VA Loan Specialist: Deep VA program knowledge, military-community focus, and familiarity with COE and entitlement issues.
VA Purchase, IRRRL Refinance, and Cash-Out Programs: Core VA program menu executed with experience.
Retail Lender — Single Underwriting Shelf: One set of FICO overlays and program guidelines — typically floors above 580 at retail level.
No 500 FICO VA Approval at Retail Level: Veterans with credit challenges will encounter retail overlays that the VA itself does not require.
Limited Program Breadth: No conventional, FHA, USDA, or non-QM programs — veterans whose best path isn’t VA have nowhere to turn within this platform.
Best For
VA-eligible buyers with strong credit (620+) and straightforward files who want a VA-specialist retail experience. For any veteran with credit challenges, self-employment income, or a need to compare VA against FHA or conventional simultaneously, a wholesale broker comparison is essential before committing.
Pricing
Retail VA pricing. VA funding fee applies: 2.15% first use, 3.3% subsequent use (waived for veterans with service-connected disability). Compare wholesale VA rates through Cavalier Mortgage before committing — the rate difference on a $400,000 VA loan compounds significantly over a 30-year term.
Broker vs. Retail: The Side-by-Side That Matters
Before the FAQ, here’s the direct comparison Charlottesville buyers ask about most. Jenna Stiltner at Atlantic Coast Mortgage is the most-referenced loan officer in local realtor networks — she’s a legitimate professional at a retail shop. The question isn’t competence; it’s structure.
Lender Type Comparison: Cavalier Mortgage (Wholesale Broker) vs. Atlantic Coast Mortgage (Retail Lender)
Rate Source: Cavalier Mortgage — 500+ wholesale investors compete for your loan | Atlantic Coast Mortgage — single retail lender shelf
VA FICO Minimum: Cavalier Mortgage — 500 FICO through wholesale shelf | Atlantic Coast Mortgage — retail overlays typically 580–620+
FHA FICO Minimum: Cavalier Mortgage — 500 FICO (10% down) / 580 (3.5% down) per HUD guidelines | Atlantic Coast Mortgage — retail overlays may be higher
Non-QM / Bank Statement: Cavalier Mortgage — available through wholesale shelf | Atlantic Coast Mortgage — not available at retail level
ITIN / Foreign National: Cavalier Mortgage — available | Atlantic Coast Mortgage — not available
DSCR Investor Loans: Cavalier Mortgage — available | Atlantic Coast Mortgage — not available
Down Payment Assistance: Cavalier Mortgage — Dynamo DPA, Turbo DPA, Virginia Housing compatible | Atlantic Coast Mortgage — limited to retail DPA options
Availability: Cavalier Mortgage — 24/7 | Atlantic Coast Mortgage — business hours
Soft Pull Pre-Approval: Cavalier Mortgage — yes, no score impact | Atlantic Coast Mortgage — standard retail process
8 Questions Charlottesville Buyers Ask Before Applying
Q1: What credit score do I need to get approved for a mortgage in Charlottesville VA?
It depends on the loan program. FHA loans allow 580 FICO for 3.5% down and 500–579 FICO for 10% down, per HUD guidelines. VA loans have no agency-set minimum — the VA itself does not require a minimum FICO score, though retail lenders add overlays. Through Cavalier Mortgage’s wholesale shelf, VA loans are available to 500 FICO. Conventional loans typically require 620+, and non-QM programs exist for scores below that threshold.
Q2: Can I get a mortgage with a 500 FICO score in Virginia?
Yes — through the right program and the right broker. VA loans through Cavalier Mortgage’s wholesale shelf are available to 500 FICO. FHA loans at 500–579 FICO require 10% down. Most retail lenders and banks will decline at 500 FICO because their internal overlays exceed agency minimums — but wholesale broker access reaches investors who work at agency floors. Call (434) 443-7028 for a mortgage pre-approval without hard pull to assess your current position.
Q3: Does getting pre-approved hurt my credit score?
A hard pull inquiry does affect your score slightly, but the impact is typically minor and short-lived. More importantly, multiple mortgage hard pulls within a 14–45 day window are generally treated as a single inquiry by FICO scoring models, per CFPB guidance. Cavalier Mortgage’s initial pre-qualification uses a soft pull mortgage process — no hard inquiry, no score impact — so you can understand your options before committing to a full application.
Q4: What is the debt-to-income ratio limit for FHA loans in 2026?
FHA allows DTI up to 57% with compensating factors under HUD guidelines. The standard benchmark is 43–45%, but automated underwriting systems (AUS) can approve higher DTI when the file has strong compensating factors such as cash reserves, residual income, or low loan-to-value. VA loans have a soft DTI benchmark of 41% but no hard cap, per the VA Lenders Handbook Chapter 4. Conventional loans typically allow 45–50% DTI with DU/LP automated approval.
Q5: Are there USDA loan-eligible areas near Charlottesville or Crozet?
Yes. Portions of rural Albemarle County, areas near Crozet, and Augusta County (including Waynesboro and Staunton) frequently qualify for USDA zero-down loans. Eligibility is property-specific and changes periodically — verify the exact address at the official USDA eligibility tool. Income limits also apply and vary by household size and county.
Q6: How do UVA faculty members qualify for a mortgage with student loan debt?
Student loan debt is a material factor in DTI calculations, and the treatment varies by loan program. For FHA loans, the monthly payment used in DTI is the actual income-driven repayment (IBR) payment or 0.5% of the outstanding balance, whichever is greater, per HUD Mortgagee Letter 2021-13. Conventional loans use the actual payment or 1% of the balance if the payment is $0. A wholesale broker can model all scenarios simultaneously to find the program where your student loan treatment produces the most favorable DTI outcome — a critical step for UVA faculty carrying federal loan balances.
Q7: What down payment assistance programs are available in Charlottesville VA?
Several options are available. Virginia Housing (VHDA) offers DPA grants and second mortgage options for qualifying first-time buyers across Charlottesville, Albemarle, Waynesboro, and Staunton. Cavalier Mortgage offers Dynamo DPA and Turbo DPA through the wholesale broker channel — programs designed to preserve cash reserves while reducing cash-to-close. These can sometimes be layered with Virginia Housing programs for maximum benefit. Income and purchase price limits apply to state programs; contact Cavalier Mortgage to determine which combination fits your specific situation.
Q8: How is a mortgage broker different from a bank for getting approved?
A bank or retail lender has one underwriting shelf — their own. Their rates, FICO minimums, and program availability are set internally. An independent mortgage broker like Cavalier Mortgage shops 500+ wholesale lenders simultaneously, submitting your file to investors who compete for your loan. This creates three advantages: lower rates (wholesale pricing vs. retail margin), broader approval options (wholesale investors reach lower FICO floors and more program types), and program flexibility (non-QM, bank statement, ITIN, DSCR — programs retail lenders don’t offer). For straightforward files with strong credit, the rate difference matters. For complex files, the program access can mean the difference between approval and denial.
Which Path Is Right for You
The Charlottesville market rewards buyers who arrive prepared. Albemarle County’s competitive inventory, UVA-driven demand, and the price pressure extending into Waynesboro and Staunton mean that mortgage readiness is a genuine competitive advantage — not a formality you handle after finding a house.
Here’s the quick-reference guide by buyer type. VA-eligible buyers: start with a VA loan to 500 FICO through Cavalier Mortgage’s wholesale shelf — the VA sets no FICO minimum, and retail lenders’ overlays are not the final word. First-time buyers: layer DPA programs (Dynamo DPA, Turbo DPA, or Virginia Housing) with FHA or conventional, and check USDA eligibility for your target area. Self-employed buyers: bank statement or asset depletion programs on the wholesale shelf; your tax returns don’t have to tell the whole story. ITIN and foreign national buyers: non-QM programs are available — retail lenders won’t have them, but Cavalier Mortgage’s wholesale shelf does. Move-up buyers: jumbo or conventional with wholesale pricing competing across 500+ investors.
Every one of these paths starts with a no credit hit mortgage application — a soft credit pull mortgage pre-qualification that tells you exactly where you stand without touching your score. Use a no hard inquiry mortgage pre approval to understand your options before committing, and work with a dedicated soft pull mortgage broker who shops 500+ wholesale lenders on your behalf. Whether you’re a first-time buyer, a UVA faculty member navigating student loan DTI, or exploring non-traditional loan options, Duane Buziak and Cavalier Mortgage deliver broker-superior solutions 24/7.
Start your soft-pull pre-approval now — no hard inquiry, no commitment, real wholesale rate pricing for your specific Charlottesville-area profile.
Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC NMLS #376205
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 | (434) 443-7028 | cavaliermortgage.com
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.