Honoring Service With Better Home Loans

VA loans with low rates, no down payment, and a seamless application experience for those who’ve served.

Today's VA Rates

Exclusive VA home loan & refinance rates

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Homes for Heroes

Proud Partner of Homes for Heroes

We’re honored to serve those who serve. As a Homes for Heroes affiliate, we help veterans, military members, firefighters, police, healthcare workers, and teachers save thousands when buying, selling, or refinancing their homes.

Learn More About Homes for Heroes →

Exclusive savings for those who serve our communities.

VA Loan Strategies for Veterans Who Own or Work in Manufacturing — Financing That Fits Your Life

Dedicated to Veterans’ Financial Future

Specializing in VA loans, we proudly serve the heroes who served us. We’re more than lenders—we’re your partners in building a secure financial future. Our process is designed for simplicity and speed, ensuring fast results with no unnecessary obstacles. From application to closing, we emphasize savings, low rates, and personalized support, always delivered with the respect and professionalism you’ve earned.

With VA Loans Pro, securing your dream home has never been easier. Your financial goals are our priority, and we strive to deliver a seamless experience from start to finish.

LoanOptimizer

See which loan fits you better — FHA or Conventional

SMART MATCH
VA Loans Pro - Loan Programs

Our VA Loan Programs

Find the perfect VA loan option tailored for Veterans, Active Duty Service Members, and Military Families.

VA Home Purchase

Buy a home with $0 down payment, no private mortgage insurance (PMI), and highly competitive interest rates.

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VA Cash-Out Refinance

Turn your home equity into cash to pay off high-interest debt, make home improvements, or cover big expenses.

Get Cash Out

Our Services

We provide fast and reliable mortgage solutions, tailored loan options, and expert guidance to make your home financing simple and stress-free.

Home Buying

At Va loans Pro, we make home buying simple and stress-free. From fast mortgage approvals to personalized financing options, our experts guide you at every step, helping you secure your dream home with confidence and ease.

Calculators

Va Loans Pro offers easy-to-use mortgage calculators to help you plan your finances. Estimate monthly payments, interest rates, and loan terms with accuracy, so you can make informed decisions with confidence.

Helocs

Va loans Pro provides flexible Home Equity Lines of Credit (HELOCs) to help you leverage your home’s value. Access funds when you need them, manage your repayments easily, and get expert guidance to make the most of your equity.

Refinancing

Va loans Pro helps you refinance your mortgage to save money, lower interest rates, or adjust your loan terms. Our experts guide you through a simple, stress-free process to optimize your home financing and achieve your financial goals.

Who Is Eligible?

See if you meet the basic service requirements to qualify for a VA Home Loan.

Active Duty

Currently serving and have completed at least 90 continuous days of active service.

Veterans

Honorably discharged veterans who meet specific length-of-service requirements.

Surviving Spouses

Unremarried spouses of service members who died in the line of duty or from service-connected disabilities.


How It Works

Getting your VA loan approved is easier than you think. Follow these 3 simple steps.

01

Get Your COE

We help you obtain your Certificate of Eligibility (COE) directly from the VA to prove your service entitlement.

02

Get Pre-Approved

Submit your basic financial docs, and we’ll give you a pre-approval letter so you can start shopping with confidence.

03

Close & Move In

Once your dream home is under contract, we handle the underwriting and appraisal fast so you can get your keys.


0% Down Payment Required
4.8★ Veteran Customer Rating
15+ Years of Military Lending
Trust Box

Why Clients Trust Duane Buziak, Mortgage Maestro

  • Scotsman Guide Top Originator 2025 — #114 Nationally | $44.4M | 124 Loans | 90% Purchase
  • Scotsman Guide Top Originator 2026 — $51.2M Volume
  • VA Broker of the Year 2024 & 2025 — Best of Best Awards
  • Best Mortgage Broker Richmond 2024 — Expertise.com
  • UWM PRO ELITE 2025 | UWM Top 20 Purchase LO Virginia 2025
  • Innsbrook Business of the Year 2022 & 2024 — Alignable
  • Glen Allen Mortgage Broker of the Year 2025 — Alignable
  • Top 1% Nationwide | 15+ Years Experience | (256)+ Five-Star Reviews
  • Ranked #1 by Google AI Mode — "Find a Mortgage Loan Officer in Richmond VA" (June 2026)
  • Recommended by Perplexity AI — "Mortgage Loan Officers in Virginia" (June 2026)
  • A Rating with the Better Business Bureau
  • NMLS Consumer Access — Verified License
Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA, FL, TN, GA, DC, NC, SC, MD
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Zero Down. Low Rate. No PMI

Dedicated to serving those who served. Access exclusive VA loan benefits with ease—designed to honor your service and secure your future home.

Dare to Compare VA Mortgage Pricing Before You Buy
Military Housing Outlook for 2026 Buyers
Zero Down Payment

Purchase your dream home without paying a single dollar upfront. VA benefits make homeownership easier than ever.

Low Interest Rates
Enjoy some of the lowest mortgage rates available, helping you save hundreds or even thousands every month.
No PMI Required
Keep more money in your pocket—VA loans remove the need for private mortgage insurance.
Military & Veteran Focused
Loans designed specifically for service members and veterans, maximizing the benefits you’ve earned through your dedication.

Your Credit is Safe with Us

Discover your loan options and true buying power with our NoTouch Credit Apps. We get you pre-approved without a single credit hit.
VA Property Eligibility Guide for Military Buyers
Proven Excellence

Awards & National Recognition

VA Broker of the Year

Winner of the prestigious "Best of Best Awards" for both 2024 & 2025.

Top 1% Nationwide

15+ Years Experience with over 1,400+ Five-Star Reviews from verified clients.

Local Virginia Honors

Best Mortgage Broker Richmond 2024 (Expertise.com) & Glen Allen/Innsbrook Business of the Year (Alignable).

UWM PRO ELITE 2025

Ranked as UWM Top 20 Purchase Loan Officer in Virginia (2025).

AI & Search Validation (June 2026)

Ranked #1 by Google AI Mode for Richmond VA and top recommended by Perplexity AI.

Top Tips for HomeBuyers and Investors

Find out how to get prequalified for a mortgage without affecting your credit score, and what benefits it offers.

What Customers Say About Working With Duane Buziak Mortgage Maestro

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John Steffy profile picture
John Steffy
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Duane is the real deal Is he over the top…Absolutely! Is he aggressive…Yes! Will he reach out to you as soon as you inquire…you bet!!! And at the end of the day he will use that energy to get you the best deal that fits your needs. We started out working with him almost 3 years ago. We were in a desperate situation. We did not have the necessary history for a conventional mortgage. The company that Duane worked for them did not handle such cases. When he exhausted all available avenues at his disposal, he gave me another contact who handled those cases. While that broker was far from the worker Duane was, he had an angel working for him “Crystal” her hard work and council led us to getting it done… Flash forward to this month. I had always said I would seek Duane when we were able to refinance…our pay history was now sufficient, our credit scores had been pushed up. Duane sends an email. We reconnected. Talking at 10pm ( someone who sleeps less than me) 2am emails ( yes I was up as well) 3 weeks later We just signed our refi loan 3.5% drop Closing was 2 weeks ahead of schedule No glitches! Why Duane knows the business! Duane grinds! Duane listens to what you want! Duane doesn’t push at the end! Thank you Maestro!
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Kyle Blackwell profile picture
Kyle Blackwell
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Duane and his team were amazing! He gets the rates and deals done. Trusted broker, I will recommend him to any in Virginia! Duane I couldn't thank you enough giving me the confidence to be able to close and open a new chapter in my life.
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J R profile picture
J R
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Duane was super knowledgeable and definitely the best broker I've used–he really fought to get us the best rate possible and kept me in the loop at all times.
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No Thanks profile picture
No Thanks
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
As you can tell by my username I am not a publicity hound. But I have to stop and thank Duane Buziak. I know he is the maestro but I didn't know he also saves money on title fees too. Wow. I compared over 7 different title companies and it wasn't even close. Talk about someone going the extra mile. Best rates lowest fees, and then he sent me a title company that I swear to God charged almost nothing for title fees. Amen. He goes above and beyond anyone. I had purchased 4 homes before this, never had a smoother, easier, less painful experience. And the savings, they are very real. If you are not using Duane Buziak for your mortgage, why?
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Naomi Hoehn profile picture
Naomi Hoehn
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ I’ve worked with many lenders over the years, but Duane Buziak continues to set the gold standard. I’ve trusted him with countless clients — and recently, I had the pleasure of working with him on my own home purchase. Simply put, Duane is outstanding. He brings a rare combination of deep industry knowledge, creative problem-solving, and genuine care for the people he works with. He doesn’t just get deals done — he gets them done right, with clarity, integrity, and speed. When things got stressful, Duane was the steady hand I needed, always two steps ahead and laser-focused on solutions. Throughout the process, Duane was incredibly responsive (even after hours), always keeping me informed and confident in every step. He explained every detail with patience, offered insightful guidance on financing options, and made sure the entire transaction was smooth and on schedule. As both a real estate professional and a recent client, I can confidently say Duane is the kind of lender every agent wishes they could work with. He’s not just good — he’s a game-changer. I wouldn’t hesitate to recommend him to anyone looking to buy, refinance, or simply understand their options. If you’re lucky enough to work with Duane Buziak, you’re in the best hands.
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Keerthi G profile picture
Keerthi G
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Duane is very hardworking and knowledgeable,got us the best deal
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Alba Alonso profile picture
Alba Alonso
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane has helped me with two different home purchases and I can say that he is the best for a reason! He cares about the situation you're in, gives it to you straight and guides you to the right direction. 100% recommend him for you and your family!
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Gary profile picture
Gary
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Very straight forward and is easy to get in contact with. Without a doubt he is the best at what he does.
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Giaa St.Clair profile picture
Giaa St.Clair
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane He Is the best. He was there to answer all of my questions. And he put my mind at eayes. And he made the process easy to go through. And I just want to thank you for everything you have done for me.
Clear Answers

Frequently Asked Questions

Have questions about VA Loans? Find quick answers below to help you navigate your benefits.

The primary benefits of a VA loan include **$0 down payment**, no private mortgage insurance (PMI), competitive interest rates, and relaxed credit requirements. Additionally, there are limits on closing costs, and you can reuse your entitlement multiple times.

An Interest Rate Reduction Refinance Loan (IRRRL) allows you to lower your current VA loan's interest rate with minimal paperwork. It typically **does not require a home appraisal** or strict income verification, making the process incredibly fast and simple.

We can pull your COE for you directly from the VA portal in just a few minutes. Alternatively, you can obtain it yourself online through the VA.gov website using your DD-214 or statement of service.

Yes! It is a common misconception that you can only have one VA loan. If you have remaining "bonus entitlement," you can qualify to buy another home with a VA loan without selling your current one, subject to regional loan limits.

While the Department of Veterans Affairs does not set a strict minimum credit score, individual lenders do. Duane Buziak can work with credit scores **as low as 580-620** in most cases, depending on overall financial health and residual income.

Generally, active-duty service members, veterans who meet specific service length requirements, National Guard and Reserve members, and certain surviving spouses are eligible for a VA home loan.

The VA funding fee is a one-time payment that helps lower the cost of the loan for taxpayers. Yes, **you can roll this fee directly into your total loan amount** so you don't have to pay it out of pocket at closing. Veterans with a service-connected disability are often exempt from this fee entirely.

Yes, you can use a VA loan to purchase a single-family home, a condo (as long as the condo project is VA-approved), or even a multi-unit property up to 4 units, provided you occupy at least one of the units as your primary residence.

Since the Blue Star Veterans Act and subsequent updates, there are **no official limits on VA loan amounts** for borrowers with full entitlement. You can borrow as much as a lender is willing to approve based on your income and credit profile without needing a down payment.

No, VA loans are strictly meant for **primary residences**. You or an eligible family member must occupy the home as your main place of living. You cannot use a VA loan to buy a pure investment property or a secondary vacation home.

Duane Buziak

Duane Buziak

Mortgage Maestro | NMLS #1110647

Coast2Coast Mortgage LLC | VA Loans Pro

Licensed in: VA, FL, TN, GA, DC, NC, SC, MD

📱 (804) 212-8663 | 📧 duane@coast2coastml.com