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Veterans and buyers with credit scores as low as 500 still have viable low credit score mortgage options — especially when working with a VA loan broker who shops across 500+ wholesale lenders instead of a single lender’s limited product shelf. Duane Buziak, NMLS #1110647, breaks down seven programs available in 2026, including VA loans, FHA, and other paths designed for borrowers traditional lenders routinely turn away.

VA loan rules create two distinct seller-contribution buckets — uncapped bona fide closing costs and a separate 4% concession cap — and most veterans leave thousands on the table simply by not knowing how to structure the request correctly. VA loan broker Duane Buziak (NMLS #1110647) breaks down exactly what sellers can pay, how each bucket works, and how to negotiate concessions that actually get accepted.

Veterans with a VA loan are exempt from private mortgage insurance by law — from day one and regardless of down payment — a structural benefit that can save thousands of dollars over the life of the loan. VA loan broker Duane Buziak (NMLS #1110647), licensed in VA, FL, TN, and GA, explains how combining the no-PMI advantage with wholesale rate shopping across 500+ lenders delivers maximum value for eligible borrowers.

Comparing VA loan interest rates requires more than finding the lowest advertised number — veterans must evaluate APR, lender fees, and wholesale pricing to find the true best offer. Licensed VA loan specialist Duane Buziak (NMLS #1110647) breaks down seven proven strategies to help buyers and refinancers read the full picture and negotiate from a position of knowledge.

A high debt-to-income ratio doesn’t have to end your path to homeownership — the right strategies, lenders, and loan programs can turn a likely denial into an approval. This guide covers seven concrete tactics, from VA loan residual income standards to soft-pull pre-qualification, that give high-DTI borrowers a real shot at closing.

Va Loan Entitlement Restoration is one of the most misunderstood mechanics in the VA home loan program, and many veterans mistakenly believe their benefit is permanently used up after their first purchase. This step-by-step guide explains exactly how to restore full or partial entitlement, which forms to file, and how working with a multi-lender broker maximizes your options.