Duane Buziak, NMLS #1110647, is a Short Pump mortgage broker at Coast2Coast Mortgage LLC NMLS #376205, specializing in cash-out refinances for Short Pump and Henrico County homeowners. If you’re asking what the cash-out refinance requirements are in 2026, here’s the direct answer: requirements vary by loan type — conventional caps at 80% LTV, VA allows 100% LTV for eligible veterans, and you can check your eligibility today using a soft credit pull mortgage review with no impact to your score. Call Duane at (804) 212-8663 or email duane@coast2coastml.com.
Short Pump and Henrico County homeowners are sitting on a remarkable amount of equity right now. With median home values in the $520,000–$527,000 range and steady appreciation across neighborhoods near Short Pump Town Center, West Broad Village, and Green Gate, many homeowners have built six-figure equity positions they can access through a cash-out refinance. But before you tap that equity, you need to understand exactly what lenders require — and how those requirements vary dramatically depending on whether you walk into a retail bank or work with an independent mortgage broker who shops 500+ wholesale lenders.
This guide breaks down the seven most critical cash-out refinance requirements, explains how each one affects your approval and rate, and shows you the real dollar difference between loan types. Whether you have a conventional loan, FHA, VA, or a non-QM situation, the requirements are different — and so are the opportunities.
One important note before we dive in: you can check your eligibility for a cash-out refinance using a NoTouch Credit Pull — a no hard inquiry mortgage pre approval process that shows your full credit profile without triggering a hard inquiry or dropping your score. This soft pull mortgage broker approach is available through ShortPumpMortgage.com and costs nothing to start. It is the lowest-risk, highest-information first step for any Short Pump or Henrico County homeowner considering a cash-out refinance, and it qualifies as a true no credit hit mortgage application — your score remains intact throughout the review.
Written by Duane Buziak, NMLS #1110647 | Independent Mortgage Broker | Coast2Coast Mortgage LLC NMLS #376205 | Licensed VA, FL, TN, GA, DC | Equal Housing Lender
Legal Disclaimer: Duane Buziak NMLS #1110647 | Coast2Coast Mortgage LLC NMLS #376205 | Equal Housing Lender | Licensed in VA, FL, TN, GA, DC. All loan programs subject to credit approval, income verification, and appraisal. Dollar figures shown are illustrative examples only and do not constitute a loan commitment. Rates and program availability subject to change. Contact (804) 212-8663 | duane@coast2coastml.com.
1. Equity Position and LTV Limits by Loan Type
The Challenge It Solves
Before anything else, you need to know how much of your home’s value you can actually borrow against. Loan-to-value limits are the foundational gate of any cash-out refinance. If your equity position doesn’t meet the minimum threshold for your loan type, no amount of great credit or income documentation will get you approved. And the limits vary significantly depending on which program you use.
The Strategy Explained
Loan-to-value ratio is calculated by dividing your new loan amount by your home’s appraised value. Each loan program sets a ceiling on that ratio for cash-out refinances. Conventional loans (Fannie Mae guidelines) cap cash-out refinances at 80% LTV on a primary residence, as outlined in the Fannie Mae Selling Guide B2-1.3-03. FHA also caps at 80% LTV. VA is the outlier — and the most powerful option for eligible Virginia veterans — allowing up to 100% LTV on a cash-out refinance. Non-QM and DSCR loans typically range from 70% to 80% LTV depending on the lender and borrower profile.
Here is how those limits translate to real dollars using the Short Pump median home value of $525,000, with an existing mortgage balance of $280,000:
| Loan Type | Max LTV | Max New Loan ($525K Home) | Gross Cash-Out (After Paying Off $280K Balance) | Notes |
|---|---|---|---|---|
| Conventional | 80% | $420,000 | $140,000 (minus closing costs) | Fannie Mae primary residence standard |
| FHA | 80% | $420,000 | $140,000 (minus MIP and closing costs) | 12-month seasoning required |
| VA | 100% | $525,000 | $245,000 (minus VA funding fee) | Eligible veterans only; most powerful option |
| Non-QM / DSCR | 70–80% | $367,500–$420,000 | $87,500–$140,000 | Lender-specific; no tax return required on DSCR |
These figures are illustrative examples using the Short Pump median home value. Actual loan amounts depend on appraisal, lender guidelines, and individual qualification. Not a loan commitment.
The FHFA 2026 conforming loan limit for Henrico County is $806,500 (baseline), meaning a $420,000 or $525,000 cash-out refinance falls well within conventional pricing territory. You can verify current limits at the FHFA 2026 Conforming Loan Limits page.
Implementation Steps
1. Get a current estimate of your home’s market value using recent comparable sales near Short Pump Town Center, West Broad Village, or Green Gate — your broker can pull these for you.
2. Identify your current mortgage balance from your most recent statement.
3. Divide your desired new loan amount by your estimated home value to calculate your projected LTV — if it exceeds the limit for your loan type, you either need more equity or a different program.
4. Match your equity position to the loan type that maximizes your cash-out — VA delivers the most capital for eligible veterans, period.
Pro Tips
If you are close to the 80% LTV threshold on a conventional or FHA cash-out, a strong appraisal can make the difference. Your broker can review comparable sales in your neighborhood before ordering the appraisal to ensure the value is well-supported. And if you are a VA-eligible borrower sitting on a conventional loan, switching to a VA cash-out at 100% LTV can unlock tens of thousands of additional dollars. Homeowners who want to understand how conventional loan requirements in Virginia apply to their specific equity position should review program guidelines before selecting a path.
2. Credit Score Thresholds and Rate Tiers
The Challenge It Solves
Your credit score does two things in a cash-out refinance: it determines whether you qualify at all, and it determines what interest rate you pay. On a loan balance of $400,000 or more, the difference between a 680 score and a 760 score can translate to hundreds of dollars per month. Understanding where you land — and what you can do about it before applying — is one of the highest-leverage moves you can make.
The Strategy Explained
Minimum FICO requirements vary significantly by loan type. Conventional cash-out refinances typically require a minimum 620 FICO, though the best pricing tiers start at 740 and above. FHA cash-out refinances generally require a minimum 580 FICO, though lender overlays often push that to 620 in practice. VA cash-out is the most flexible: through ShortPumpMortgage.com’s wholesale lender network, VA cash-out refinances are available to borrowers with credit scores as low as 500 FICO — a threshold no retail bank shelf can match.
The CFPB’s cash-out refinance resource confirms that credit score is one of the primary factors lenders use to set your rate tier. Every 20-point drop in FICO below 740 on a conventional loan typically triggers a pricing adjustment that increases your rate. On a $420,000 loan, that adds up fast.
The risk-free way to find out exactly where you stand: use a soft credit pull mortgage inquiry through ShortPumpMortgage.com. The NoTouch Credit Pull shows your full tri-merge credit report, identifies your score tier, and flags any rapid rescore opportunities — all without a hard inquiry. This mortgage pre approval without hard pull process is the smartest first step before committing to a cash-out refinance application.
Implementation Steps
1. Request a NoTouch Credit Pull (soft pull) through ShortPumpMortgage.com — no credit score impact, no obligation.
2. Identify which FICO score tier you fall into and which loan type that unlocks.
3. If your score is between 580 and 619, explore FHA or VA paths before defaulting to conventional.
4. If your score is below 580 but you have VA eligibility, ask about VA cash-out to 500 FICO through the wholesale lender network.
Pro Tips
A rapid rescore can sometimes move your score 20 to 40 points within 30 to 60 days by correcting errors or paying down specific revolving balances. Your broker can identify which accounts to target based on your soft pull results. Borrowers who have struggled with credit challenges may also want to explore home loan options for lower credit scores before assuming a cash-out refinance is out of reach. This is a strategy retail lenders rarely offer because they are not incentivized to shop around — a wholesale broker with 500+ lenders has every reason to help you qualify at the best tier possible.
3. Debt-to-Income Ratio Calculation
The Challenge It Solves
DTI is uniquely challenging in a cash-out refinance for a reason most borrowers don’t anticipate: you’re replacing your current mortgage with a larger one. That higher balance means a higher monthly payment, which raises your DTI even if nothing else in your financial picture has changed. Many homeowners who comfortably qualified for their original purchase find themselves squeezed on DTI when they try to cash out.
The Strategy Explained
DTI is calculated by dividing your total monthly debt payments (including the proposed new mortgage payment) by your gross monthly income. Conventional loans follow Fannie Mae guidelines, which allow DTI up to 45%, with some automated underwriting approvals reaching 50%. FHA allows up to 57% in some cases, though lender overlays typically cap it lower. VA does not set a hard DTI ceiling — instead, it uses a residual income standard that measures how much money you have left after all obligations, which is often more favorable for borrowers with higher incomes and higher debt loads.
For self-employed Short Pump homeowners, this is where the bank statement loan path becomes critical. If your tax returns show aggressive deductions that reduce your stated income, your W-2 DTI calculation may disqualify you even though your actual cash flow is strong. A 12-month or 24-month bank statement loan in Virginia uses your actual deposits to calculate income — bypassing the tax return problem entirely. This is a non-QM path available through ShortPumpMortgage.com’s wholesale lender network.
Implementation Steps
1. Calculate your proposed new monthly payment using the cash-out loan amount, current market rate, taxes, and insurance.
2. Add all monthly minimum debt payments (credit cards, car loans, student loans) to that proposed payment.
3. Divide by your gross monthly income — if the result exceeds 45%, explore FHA, VA residual income, or bank statement paths.
4. If you are self-employed, pull 12 to 24 months of business and personal bank statements to calculate your actual average monthly deposits as an alternative income figure.
Pro Tips
Paying down a revolving credit card balance before application can reduce your minimum monthly payment and lower your DTI meaningfully. Your broker can run a side-by-side DTI analysis across loan types — conventional, FHA, VA residual income, and bank statement — to show you which path produces the most favorable outcome for your specific file before you ever submit a formal application.
4. Seasoning Requirements by Loan Program
The Challenge It Solves
Seasoning requirements catch many Short Pump homeowners off guard, especially those who purchased in 2024 or 2025 and have watched their home appreciate significantly. You cannot simply refinance the day after closing to pull out equity — each loan program has a mandatory waiting period, and violating it disqualifies your application regardless of your equity position, credit score, or income.
The Strategy Explained
Conventional cash-out refinances require a minimum six-month seasoning period from your closing date. This is the most permissive standard and means that a homeowner who closed in January 2025 could be eligible for a conventional cash-out as early as July 2025. FHA is significantly stricter: you must have owned the property for at least 12 months AND have made 12 on-time payments — both conditions must be satisfied simultaneously, per the FHA Single Family Housing Policy Handbook. VA cash-out requires 210 days from your first payment date OR six monthly payments made, whichever comes later — as specified in the VA Lender’s Handbook Chapter 6.
For Short Pump buyers who purchased in early-to-mid 2024, all three programs are now open. For those who closed in late 2024 or 2025, conventional and VA paths may be available while FHA is still in the waiting period. Knowing exactly where you stand on seasoning determines which programs are on the table today versus in six to twelve months. Homeowners who want a full breakdown of FHA loan guidelines in Short Pump Virginia can review program-specific requirements before deciding which path to pursue.
Implementation Steps
1. Locate your original closing disclosure and note your closing date and first payment date.
2. Count forward from your first payment date to determine VA eligibility (210 days or 6 payments).
3. Count forward from your closing date to determine conventional eligibility (6 months).
4. If you are on an FHA loan, confirm both the 12-month ownership and 12 on-time payment conditions are satisfied before applying.
Pro Tips
If you are just outside the seasoning window on your preferred program, use that time productively. A soft pull mortgage broker review of your file during the waiting period lets you identify any credit or DTI issues to resolve before the application clock starts. By the time your seasoning requirement is met, your file can be fully optimized and ready to close quickly.
5. Documentation Stack: What You Actually Need to Close
The Challenge It Solves
Documentation surprises are one of the most common reasons cash-out refinances stall or fall apart. Borrowers assume the process is similar to their original purchase — and it is, mostly, but with a few critical additions specific to cash-out transactions. Knowing exactly what your program requires before you start saves weeks of back-and-forth and prevents last-minute underwriting conditions from derailing your closing.
The Strategy Explained
The documentation stack varies by loan type and borrower profile. Here is what each path typically requires:
W-2 Borrowers (Conventional or FHA): Two years of W-2s, two years of federal tax returns, 30 days of pay stubs, two months of bank statements for all accounts, current mortgage statement, homeowners insurance declarations page, and a government-issued ID.
Self-Employed Borrowers (Tax Return Path): Two years of personal and business federal tax returns, year-to-date profit and loss statement, two months of business and personal bank statements, and CPA letter confirming business is active.
Self-Employed Borrowers (Bank Statement Path / Non-QM): 12 or 24 months of personal or business bank statements, no tax returns required, business license or CPA letter confirming self-employment, and two months of asset statements. This path is available through ShortPumpMortgage.com’s non-QM wholesale lender network. Self-employed borrowers can also review the full mortgage options for self-employed homeowners to understand which documentation path best fits their income structure.
VA Borrowers: Everything in the W-2 stack plus your Certificate of Eligibility (COE). You can obtain your COE directly at VA.gov’s eligibility page or your broker can pull it through the VA’s automated system. VA also requires a VA appraisal for cash-out refinances — no waivers are permitted on cash-out transactions.
At the application stage, the NoTouch Credit Pull serves as the starting point for all documentation paths. This no credit hit mortgage application process pulls your full tri-merge credit report through a soft inquiry, allowing your broker to identify documentation requirements, flag any issues, and build your file before a hard inquiry is ever run. The soft pull mortgage broker review is the most efficient way to begin any cash-out refinance process.
Implementation Steps
1. Start with a NoTouch Credit Pull at ShortPumpMortgage.com to establish your credit profile and identify your loan type path.
2. Gather the last two years of tax returns and W-2s, or 12 to 24 months of bank statements if you are self-employed and pursuing the non-QM path.
3. Pull your current mortgage statement and confirm your remaining balance and payment history.
4. If VA-eligible, verify your COE status before application — your broker can do this through the VA portal in minutes.
Pro Tips
Organize your documents in a single digital folder before your first conversation with your broker. The faster your documentation is assembled, the faster your file moves through underwriting. Reviewing a complete mortgage application checklist before you begin can prevent common documentation gaps that delay closings. On cash-out refinances, the appraisal is often the longest lead-time item — your broker can order it the moment your file is conditionally approved to avoid delays.
6. Broker vs. Retail Lender: Why Your Choice of Originator Changes What You Qualify For
The Challenge It Solves
Most homeowners assume a mortgage is a mortgage — that the rate and terms they receive from one lender are roughly equivalent to what they’d get from another. This is one of the most expensive assumptions in real estate finance. For cash-out refinances specifically, where you are taking on a larger loan balance and the rate differential compounds over 15 to 30 years, the choice of originator is a financial decision worth thousands of dollars.
The Strategy Explained
The structural difference is straightforward. Retail lenders — including Rocket Mortgage, Movement Mortgage, Sparrow Home Loans (Briana Sparrow, Atlantic Bay), and C&F Mortgage (Valerie Holbrook, NMLS #1551139) — each operate from a single product shelf. When you walk in, your file gets evaluated against that one lender’s guidelines. If your profile doesn’t fit their box on credit score, DTI, loan type, or property type, your options are limited to whatever overlays they can accommodate.
An independent wholesale mortgage broker like ShortPumpMortgage.com operates differently. Duane Buziak shops your file across 500+ wholesale lenders simultaneously, matching your specific profile — credit tier, loan type, property type, income documentation path — to the lender whose guidelines fit best. That means lower rates, more program options, and access to guidelines that retail shelves cannot offer. Understanding the full cost and access differences between a local mortgage broker versus a bank is one of the most important decisions a cash-out borrower can make.
CapCenter markets no-out-of-pocket closing options on conventional refinances as a core differentiator. Duane’s advantage over CapCenter is program breadth: FHA, VA, USDA, bank statement, DSCR, and non-QM paths that CapCenter’s conventional-focused model does not cover. On VA cash-out specifically — where eligible veterans can access 100% LTV and VA to 500 FICO — CapCenter’s conventional shelf is simply not competitive.
RatePro (Rick Gilbert) is a fellow UWM wholesale broker, which means the base lender access is similar. The differentiation is in volume, expertise, and track record. Duane is a Scotsman Guide Top Originator ranked #114 nationally in 2025 ($44.4M) and tracking $51.2M in 2026. Virginia Broker of the Year 2024 and 2025. Over 1,400 five-star reviews. That production volume and review depth reflects a level of file complexity and lender relationship access that translates directly to better outcomes on challenging cash-out scenarios.
| Originator | Type | Lender Access | VA to 500 FICO | Bank Statement / Non-QM | No-Out-of-Pocket Closing Options |
|---|---|---|---|---|---|
| Duane Buziak / ShortPumpMortgage.com | Independent Wholesale Broker | 500+ wholesale lenders | Yes | Yes — full non-QM shelf | Yes — lender credit strategy across programs |
| Rocket Mortgage | Retail Lender | Own guidelines only | Typically 580+ minimum | Limited | Limited options |
| Movement Mortgage / Jay Bowry | Retail Lender | Own guidelines only | Varies by overlay | Limited | Varies |
| Sparrow Home Loans / Briana Sparrow | Retail (Atlantic Bay) | Atlantic Bay shelf | Varies by overlay | Limited | Varies |
| C&F Mortgage / Valerie Holbrook | Retail Lender | Own guidelines only | Varies by overlay | Limited | Varies |
| CapCenter | Retail Lender | Own guidelines only | Not a focus | Limited | No-out-of-pocket conventional focus |
Implementation Steps
1. Before contacting any lender, identify your loan type (VA, FHA, conventional, non-QM) based on the LTV and credit score sections above.
2. Request quotes from both a wholesale broker and at least one retail lender to compare — the rate and fee difference is often immediately apparent.
3. Ask each originator specifically which lenders they are submitting your file to and why — a broker should be able to name the wholesale lender and explain the match.
Pro Tips
The best cash-out refinance outcome comes from matching your specific file to the lender whose guidelines fit best — not from walking into the nearest branch. On VA cash-out at 100% LTV with a 520 FICO, for example, there is exactly one right lender for that file. A wholesale broker with 500+ relationships finds it. A retail shelf does not have it.
7. Closing Costs and No-Out-of-Pocket Closing Options
The Challenge It Solves
Closing costs on a cash-out refinance can range from 2% to 3% of the new loan amount — on a $420,000 loan, that is $8,400 to $12,600 in upfront costs. For homeowners who are cash-out refinancing specifically to access capital, paying thousands out of pocket at closing works against the goal. Understanding the full cost structure and the strategies available to minimize or eliminate out-of-pocket costs is essential before you commit to any cash-out transaction.
The Strategy Explained
A cash-out refinance closing cost stack typically includes: origination fee (0.5% to 1% of loan amount), appraisal ($500 to $750 in Henrico County), title search and insurance ($1,000 to $1,500), recording fees (Henrico County, approximately $100 to $200), and prepaid items including homeowners insurance, property taxes, and prepaid interest. For VA cash-out refinances, add the VA funding fee: 2.15% for first-time use, 3.3% for subsequent use — verified at VA.gov’s funding fee page. For FHA cash-out, add the upfront MIP of 1.75% of the loan amount plus ongoing annual MIP.
Here is the real dollar math on a $420,000 conventional cash-out refinance:
Loan Amount: $420,000 (80% LTV on $525,000 Short Pump home)
Estimated Closing Costs (2–3%): $8,400 to $12,600
Lender Credit Option: Accept a slightly higher interest rate (typically 0.25% to 0.375% above the par rate) in exchange for a lender credit that covers all or most closing costs — resulting in no-out-of-pocket closing costs at closing.
Net Cash-Out After Closing Costs (no-out-of-pocket option): Approximately $140,000 gross, with closing costs rolled into the rate rather than paid upfront.
These are illustrative example figures. Actual rates, costs, and lender credits depend on market conditions, credit profile, and lender guidelines at time of application. Not a loan commitment.
The no-out-of-pocket closing option is not “zero closing costs” — the costs exist and are real. What the lender credit strategy does is shift those costs from your pocket at closing to a marginally higher rate over the life of the loan. For homeowners who plan to sell or refinance again within five to seven years, the lender credit strategy often produces a better financial outcome than paying costs upfront. For those planning to hold the loan long-term, paying costs upfront typically wins on total interest paid. Homeowners weighing a cash-out refinance against other equity access tools should also review HELOC options in Richmond to compare total cost structures across both approaches.
Henrico County homeowners can verify current property assessment data — which informs your equity position and appraisal baseline — at the Henrico County Real Estate Assessor’s office.
Implementation Steps
1. Request a full loan estimate from your broker that itemizes every closing cost line by line — no surprises at the closing table.
2. Ask your broker to model two scenarios side by side: one with costs paid upfront at par rate, one with a lender credit at a slightly higher rate.
3. Calculate your break-even point: divide the total closing costs by the monthly savings from the lower rate — if you plan to keep the loan longer than that break-even period, pay costs upfront.
4. For VA borrowers, confirm whether the VA funding fee can be financed into the loan balance rather than paid at closing — in most cases it can, further reducing out-of-pocket requirements.
Pro Tips
On FHA cash-out refinances, the upfront MIP of 1.75% is almost always financed into the loan rather than paid at closing. On VA cash-out, the funding fee is similarly financeable. These built-in program features make FHA and VA cash-out refinances particularly compatible with no-out-of-pocket closing strategies — another reason why program selection matters as much as rate.
Frequently Asked Questions: Cash-Out Refinance in Short Pump and Henrico County
1. What is the minimum credit score for a cash-out refinance in Short Pump VA?
The minimum credit score for a conventional cash-out refinance in Short Pump is typically 620, though VA cash-out is available to 500 FICO through ShortPumpMortgage.com’s wholesale lender network.
2. How much equity do I need to keep after a cash-out refinance on my Henrico County home?
Most loan programs require you to retain at least 20% equity after a cash-out refinance on your Henrico County home, meaning your new loan cannot exceed 80% of appraised value — except VA, which allows 100% LTV for eligible veterans.
3. Can I do a VA cash-out refinance in Virginia with a low credit score?
Yes — VA cash-out refinance is available to Virginia veterans with credit scores as low as 500 FICO through ShortPumpMortgage.com’s wholesale lender access, which is not available through most retail lenders.
4. How long do I have to own my Short Pump home before I can do a cash-out refinance?
Conventional cash-out refinances typically require 6 months of ownership; FHA requires 12 months of ownership plus 12 on-time payments; VA requires 210 days or 6 payments from your first payment date, whichever comes later.
5. Will checking my eligibility for a cash-out refinance hurt my credit score?
No — you can check your eligibility using a NoTouch Credit Pull (soft credit pull) with no hard inquiry and no impact to your credit score before committing to an application through ShortPumpMortgage.com.
6. What is the 2026 conforming loan limit for Henrico County VA?
The 2026 FHFA conforming loan limit for Henrico County is $806,500, meaning cash-out refinances up to that amount qualify for conventional pricing; jumbo options are available above that threshold.
7. Can self-employed homeowners in Short Pump qualify for a cash-out refinance?
Yes — self-employed homeowners in Short Pump can qualify for a cash-out refinance using bank statement loans (12 or 24 months of deposits) instead of tax returns, available through ShortPumpMortgage.com’s non-QM wholesale lender network.
8. What is the difference between a cash-out refinance and a HELOC for Short Pump homeowners?
A cash-out refinance replaces your entire mortgage with a new loan and gives you a lump sum; a HELOC is a second lien with a revolving credit line — cash-out refinances typically offer lower rates but higher closing costs than HELOCs for Short Pump homeowners, making the right choice dependent on how much equity you need to access and how long you plan to hold the loan.
Your Implementation Roadmap
Here is how to move from reading this guide to actually closing your cash-out refinance on your Short Pump or Henrico County home.
Start with the NoTouch Credit Pull soft inquiry at ShortPumpMortgage.com. This soft credit pull mortgage review establishes your credit tier, identifies your loan type path, and flags any rapid rescore opportunities — all without a hard inquiry and without any obligation. It is the lowest-risk, highest-information first step available to you.
Next, match your situation to the requirements in this guide. Confirm your equity position against LTV limits for your loan type. Verify your seasoning window is satisfied. Identify whether you are a W-2 borrower, self-employed on the tax return path, or self-employed on the bank statement path. If you are VA-eligible, confirm your COE status — VA at 100% LTV is almost always the most powerful option on the table.
Then run the numbers. A cash-out refinance on a Short Pump or Henrico County home at current median values can unlock $140,000 to $245,000 in gross equity depending on your loan type and existing balance. Whether you are funding home improvements, consolidating higher-rate debt, or repositioning capital for investment, the math on accessing that equity at mortgage rates is often compelling compared to alternatives.
The critical advantage of working with an independent broker is that your specific file gets matched to the lender whose guidelines fit best across 500+ wholesale options — not evaluated against the single shelf of whichever retail bank you walked into. That matching process is what produces better rates, more program options, and higher approval rates on complex cash-out scenarios.
Connect with our local mortgage experts today for a no-obligation review of your cash-out refinance options, or call (804) 212-8663 to speak directly with Duane Buziak. Your no hard inquiry mortgage pre approval starts with a soft pull — no credit score impact, no commitment required.
About Duane Buziak — Short Pump Cash-Out Refinance Specialist
Duane Buziak is an independent mortgage broker and cash-out refinance specialist serving Short Pump, Henrico County, and the Richmond VA metro from Coast2Coast Mortgage LLC. As a wholesale broker with access to 500+ lenders, Duane matches each homeowner’s equity profile to the loan type and wholesale investor whose guidelines produce the best outcome — whether that’s conventional at 80% LTV, VA at 100% LTV for eligible veterans, or a non-QM bank statement path for self-employed homeowners. He is a Scotsman Guide Top Originator 2025 (#114, $44.4M) and 2026 ($51.2M), Virginia Broker of the Year 2024 and 2025, with over 1,400 five-star reviews from Short Pump and Henrico County clients.
Duane Buziak NMLS #1110647 | Coast2Coast Mortgage LLC NMLS #376205 | Equal Housing Lender | (804) 212-8663 | duane@coast2coastml.com | Licensed VA, FL, TN, GA, DC