VA Loan Energy Efficient Mortgage (EEM): How It Works for Veterans in VA, FL, TN, and GA
A VA loan energy efficient mortgage (EEM) lets veterans roll the cost of upgrades like insulation, HVAC, or solar into their VA loan instead of paying cash. This guide from NMLS #1110647 broker Duane Buziak explains the three funding tiers, what qualifies, how the math works on a real loan, and how to find a lender that offers EEM, including for lower credit scores.
VaLoansPro vs Navy Federal: Which VA Loan Fits Your Credit?
Valoanspro Vs Navy Federal compares an independent mortgage broker that shops hundreds of wholesale lenders with a member-owned credit union, focusing on membership, credit flexibility, program range, fees, and credit-pull policy. It includes a side-by-side table, a worked $400,000 VA purchase example, and a plain statement of who each option suits.
VaLoansPro vs Movement Mortgage: What’s the Real Difference?
VaLoansPro vs Movement Mortgage comes down to a broker with a 500 FICO floor and hundreds of wholesale lenders versus a direct lender with a single product shelf and a published 580 FICO floor as of 2026. This comparison by Duane Buziak (NMLS #1110647) covers credit floors, credit pulls, and pricing, with a worked VA purchase example and side-by-side table to help veterans near or below a 600 score decide.
6 Best Mortgage Providers for VA Approved Condos in 2026
This guide compares six mortgage providers for financing VA approved condos, reviewing how each handles condo project approval, credit flexibility, loan options, fees, and how much you can learn before a hard credit pull. It helps veterans and active-duty buyers in Virginia, Florida, Tennessee, and Georgia choose the right lender for their condo purchase.
7 Strategies for High Balance VA Loan Options in 2026
A practical guide to high balance va loan options.
7 Strategies for a VA Loan Rate Comparison That Saves Money
A VA loan rate comparison only saves money when quotes are truly comparable, since a lower advertised rate can cost more once points, fees, and lock terms are counted. Written by independent mortgage broker Duane Buziak (NMLS #1110647), these seven strategies show veterans how to compare Loan Estimates across many lenders and find the cheapest quote in practice, not just on paper.
Assumable VA Mortgage Benefits: What Buyers and Sellers Gain
An assumable VA mortgage lets a qualified buyer take over a seller’s existing VA loan at its original rate and balance. This guide covers assumable VA mortgage benefits for both sides, how entitlement and the funding fee work, and how to cover the equity gap, with a full worked example.
VA Loan Termite Inspection: Who Pays and When It’s Required
A VA loan termite inspection isn’t required on every purchase, but it applies in many of them depending on the appraiser’s findings, state custom, and investor conditions. This guide from independent mortgage broker Duane Buziak (NMLS #1110647) explains when the inspection is required, what it covers, who is allowed to pay under VA rules, and what to do when the report finds damage.
VA Loan Self Employment Income: What Counts, What Doesn’t
This article explains how VA loan self employment income is verified and calculated by underwriters, using a real dollar example to show what counts and what gets discounted. It also covers why self-employed veterans benefit from working with a broker who has access to 500+ wholesale lenders instead of a single direct lender like Veterans United.
VaLoansPro vs Rocket Mortgage: Which Fits Your VA Loan?
This article compares VaLoansPro vs Rocket Mortgage for VA loans, examining how broker wholesale access with a 500 FICO floor stacks up against Rocket’s single direct-lender shelf across credit minimums, fees, and VA-specific mechanics. Readers get a clear breakdown of which option fits their credit profile and loan needs.