Self Employed Mortgage Documentation Guide
Self employed mortgage documentation guide for Richmond buyers. Learn what brokers need, how income is reviewed, and how to avoid approval delays.
FHA vs Conventional Mortgage: Which Wins?
Comparing fha vs conventional mortgage? See down payment, PMI, credit, and payment differences to choose the right loan in Richmond VA.
Debt to Income Ratio for Mortgage: What Short Pump Homebuyers Must Know in 2026
Your debt to income ratio for mortgage qualification is one of the most overlooked factors that stops Short Pump and Henrico County homebuyers cold during the pre-approval process. This guide breaks down exactly how DTI is calculated, what the limits are by loan type, and how working with Short Pump mortgage broker Duane Buziak (NMLS #1110647) can help you maximize your borrowing power in 2026.
Does Pre Approval Hurt Credit? The Real Answer
Does pre approval hurt credit? Usually yes with a hard pull, but a soft-pull pre-approval does not. Here’s what Richmond buyers should know.
8 Things to Look for in a Mortgage Lender (Short Pump & Henrico County Guide)
Choosing the right mortgage lender in Short Pump or Henrico County can mean thousands of dollars in savings on a $400,000–$800,000 home purchase. This guide covers eight essential criteria — from rate transparency and soft credit pull policies to local market expertise and loan program depth — to help Short Pump buyers make a confident, informed decision.
Mortgage for Newly Married Couples in Short Pump VA: A Step-by-Step Guide to Buying Your First Home Together
Buying a home together in Short Pump or Henrico County is one of the best financial moves a newly married couple can make, but combining two financial lives into a single mortgage application takes expert guidance. This step-by-step guide covers joint vs. individual applications, soft-pull pre-approval, down payment assistance, and every loan type available to newly married couples in the Richmond VA area.
Home Inspection Issues Delaying Closing: What Short Pump Buyers Need to Know in 2026
Home inspection issues delaying closing are one of the most common — and costly — obstacles Henrico County and Short Pump buyers face in 2026, yet most don’t see them coming until a lender condition freezes the deal. This guide breaks down which findings trigger mortgage holds by loan type, what the real dollar costs look like, and how a no-hard-inquiry pre-approval from Short Pump mortgage broker Duane Buziak (NMLS #1110647) gives buyers a structural edge before they ever go under contract.
Credit Score Too Low for a Mortgage? Here’s How to Fix It in Short Pump VA
Duane Buziak, Short Pump mortgage broker, explains that a credit score too low for a mortgage doesn’t always mean you’re out of options — the right loan program and a broker with access to multiple lenders can often find a path forward that a single retail lender cannot.
7 Proven Strategies to Find the Best Mortgage Broker in Short Pump VA (2026 Guide)
Short Pump homebuyers can save tens of thousands of dollars by choosing the best mortgage broker in Short Pump over a retail lender, since independent brokers access hundreds of wholesale lenders for lower rates and more loan programs. This 2026 guide covers seven proven strategies Henrico County buyers use to evaluate and select the right broker — including how to get pre-approved without a hard credit inquiry.
Mortgage Contingency Clause Protection: What Every Short Pump Homebuyer Must Know in 2026
A mortgage contingency clause protects Short Pump homebuyers from losing their earnest money deposit if financing falls through before closing. This guide explains exactly how mortgage contingency clause protection works in Henrico County’s competitive market and why waiving it on a $525,000+ home can be a costly mistake.