Mortgage Broker Reviews: What Richmond Buyers Should Check
Mortgage broker reviews reveal more than star ratings. See what Richmond buyers should verify before trusting a broker with their next mortgage choice.
Property Tax Escrow Payment Explained | Short Pump VA 2026
This guide breaks down exactly how a property tax escrow payment is calculated on a Short Pump, Henrico County mortgage and why getting it wrong at pre-approval can spike your payment later. Duane Buziak, NMLS #1110647, explains the PITI math and how to avoid an escrow shortage surprise.
How to Get a Mortgage Pre-Approval in Richmond VA (Step-by-Step)
This step-by-step guide explains how to get a mortgage pre approval in Richmond VA using Duane Buziak’s process for Short Pump and Henrico County buyers, including a soft credit pull option with no hard inquiry. It covers the exact documents needed, from income and assets to bank statements, so buyers can move from browsing listings to making a real offer.
Mortgage Points Worth Buying in Short Pump VA? 2026 Guide
This guide explains when mortgage points worth buying actually pays off, using real break-even math on a Henrico County home loan and comparing point pricing across lenders without a hard credit inquiry. Short Pump mortgage broker Duane Buziak, NMLS #1110647, breaks down discount points versus origination points so buyers can decide with confidence.
7 Strategies to Use Virginia First-Time Homebuyer Programs in Short Pump
This guide breaks down Virginia first time homebuyer programs into 7 practical strategies for Short Pump and Henrico County buyers, showing how to stack and sequence FHA, VA, USDA, and state down payment assistance to minimize cash-to-close. It’s written by Duane Buziak, a Short Pump mortgage broker (NMLS #1110647), who explains how to shop these programs correctly without wasting a hard credit inquiry.
Can VA Loans Use Gifts for a Home Purchase?
Can VA loans use gifts? Get clear rules on down payments, closing costs, reserves, documentation, and who can give them for Richmond homebuyers today.
Is the Mortgage Origination Fee Negotiable in Short Pump VA?
Short Pump homebuyers often ask whether the mortgage origination fee is negotiable, and the answer is yes—this guide explains what the fee covers and how shopping multiple lenders can lower it. Duane Buziak, NMLS #1110647, a Short Pump mortgage broker who compares 500+ wholesale lenders, breaks down real negotiation strategies for Henrico County borrowers.
7 Strategies to Choose the Right USDA Loan Virginia Lender
This guide outlines 7 strategies for choosing the right USDA loan Virginia lender, covering property eligibility, income limits, fees, and underwriting timelines for buyers in Henrico County and greater Richmond. Written by Duane Buziak, NMLS #1110647, it helps buyers avoid brokers who can’t actually get a USDA deal to the closing table.
7 Ways to Find Top Mortgage Lenders With Strong Customer Service in Short Pump
This guide shows Short Pump buyers seven concrete, testable ways to identify top mortgage lenders with the best customer service, starting with soft-pull pre-approval that protects your credit score while you compare offers. Written by Short Pump mortgage broker Duane Buziak (NMLS #1110647), it turns vague service claims into verifiable checks you can run before applying.
My Mortgage Rate Seems High — Should I Refinance? (Short Pump VA)
Short Pump and Henrico County homeowners asking “my mortgage rate seems high, should I refinance” get the actual break-even math, loan program options, and a way to compare offers via soft credit pull mortgage pre approval with no hard inquiry, from Duane Buziak, NMLS #1110647.