Blog

What Is a VA Purchase Loan?
Mortgage
Duane Buziak

Mortgage Interest Deduction for Veterans: What You Actually Keep After Tax

Veterans with VA loans hold a structural advantage when it comes to the mortgage interest deduction — no PMI and competitive rates mean more of every payment is deductible interest. This guide, written by multi-state VA loan broker Duane Buziak (NMLS #1110647), breaks down how the mortgage interest deduction veterans can claim actually works, how the VA funding fee fits in, and how to make the most of it across Virginia, Florida, Tennessee, and Georgia.

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VA Home Loan Purchase Limit Explained
Mortgage
Duane Buziak

How to Use a VA Loan Calculator With Funding Fee: Step-by-Step Guide

Most VA loan calculators leave out the VA funding fee, producing incomplete payment estimates that can mislead borrowers by thousands of dollars. This step-by-step guide, written by NMLS #1110647 Duane Buziak, shows you exactly how to use a VA loan calculator with funding fee included — covering required inputs, fee tiers, waiver eligibility, and side-by-side scenario comparisons — so you have a true cost picture before you ever speak with a lender.

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VA Loan Credit Score Requirements 2026: Minimum Scores and Approval Tips
Mortgage
Duane Buziak

Foreclosure Waiting Period for VA Mortgage: What Veterans Need to Know

The VA loan program’s 2-year foreclosure waiting period is one of the most veteran-friendly recovery paths in mortgage lending — shorter than FHA’s 3-year and conventional lending’s 7-year standards. This guide explains exactly when the clock starts, how extenuating circumstances can reduce the wait, and how working with a VA loan broker with access to 500+ wholesale lenders can help veterans with past foreclosures get back into homeownership sooner.

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VA Loan Closing Costs Explained: What Veterans Pay, What’s Forbidden, and How to Minimize Out-of-Pocket Expenses
Mortgage
Duane Buziak

Fixer Upper VA Loan Financing: What Veterans Need to Know Before They Buy

Fixer upper VA loan financing gives veterans a powerful path to below-market properties, but the right strategy depends on the property’s condition, the lender’s product shelf, and how renovation costs are structured. Written by Duane Buziak (NMLS #1110647), this guide covers VA property standards, the two primary financing paths, a worked dollar example, and the credit and documentation realities veterans need to understand before making an offer.

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VA Loan Debt-to-Income Ratio: What Veterans Need to Know Before Applying

The VA loan debt-to-income ratio has no hard federal cap — the 41% benchmark triggers scrutiny, but lender overlays are what actually block approvals, and veterans declined by one lender often have viable paths through a broker with access to hundreds of wholesale investors. VA loan specialist Duane Buziak (NMLS #1110647) breaks down exactly how DTI is calculated, where flexibility exists, and how to navigate high-DTI files across multiple states.

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