Scotsman Guide Verified · Virginia Mortgage Broker
I shop hundreds of lenders at once to find the loan that fits your life. Conventional, VA, FHA, USDA and Non-QM, closed with speed and care.
Top 1% of brokers nationwide · Virginia Broker of the Year 2024 + 2025 · Triple UWM award winner
Independently verified by Scotsman Guide
Closed in 2026
Closed across two years
UWM award winner, PRO ELITE status
Purchase Loan Officer in Virginia
Scotsman Guide Verified
Top 1% of Brokers Nationwide
Virginia Broker of the Year 2024 + 2025
Local Business Person of the Year 2024
UPLOAD: award badge logos here (Scotsman Guide, UWM PRO ELITE, Broker of the Year). Add as Image widgets in a row under the badges.
Two ways I help
First home, move-up or investment property. I compare hundreds of lenders to match you with the loan, rate and closing timeline that fit.
✓ Conventional, VA, FHA, USDA and Non-QM loans
✓ Down payment assistance guidance
✓ Soft credit review before any hard inquiry
Lower your payment, shorten your term or tap your equity. Send me your current offer and I will review it and look for a better deal.
✓ Rate and term refinance
✓ Cash-out refinance and HELOC options
✓ Free review of any offer you already have
Why work with Duane
As a broker, I shop hundreds of lenders at once. Your loan is chosen to fit you, not to meet a lender's quota.
Get a payment analysis, closing cost breakdown and debt-to-income picture without a hard credit inquiry up front.
Have a quote from another lender? Send it over. I will review the rate, points and fees and work to beat it.
Questions do not keep office hours. Call any time, including evenings and weekends, and get a straight answer.
Loan programs
From first-time buyers to investors and self-employed borrowers, I match your situation to the right program.
Fixed and adjustable options for borrowers with solid credit and flexible down payments.
No down payment and no monthly PMI for eligible veterans, service members and surviving spouses.
Lower down payments and flexible credit guidelines for first-time and repeat buyers.
No down payment option for eligible homes in USDA-designated areas, subject to income limits.
Financing above conforming loan limits for higher-priced homes.
Qualify on a rental property's income instead of your personal income.
Flexible qualifying for self-employed, investor and non-traditional income borrowers.
Qualify with bank statements instead of tax returns if you are self-employed.
Purchase financing options for qualified buyers without U.S. credit history.
Financing to build your home, with a path to a permanent mortgage.
Roll the purchase and the repairs into a single FHA loan.
Eligible homeowners age 62 and older can turn home equity into cash with no required monthly mortgage payment.
A flexible line of credit that draws on the equity in your home.
Grants and assistance programs that reduce the cash you need to close.
How it works
I pull a soft credit snapshot, so your score stays untouched while we map your payment, closing costs and debt-to-income.
I shop hundreds of lenders and walk you through the loans, rates and trade-offs that fit your goals.
Complete a quick or full application and send your documents through a secure upload.
I stay on your file from underwriting to the closing table and keep you updated at every step.
Verified by
Scotsman Guide
Meet Duane
I am an independent Virginia mortgage broker based in Glen Allen, serving Richmond and homebuyers across the state. I became a broker to work for the borrower, not for a single lender.
My work is independently verified by Scotsman Guide. I am a triple UWM award winner with PRO ELITE status, a Top 20 Purchase Loan Officer in Virginia and a back-to-back Broker of the Year.
I have closed more than $51M in 2026 and roughly $100M across two years. I explain every number, answer the phone and stay with you until closing.
Duane Buziak NMLS #1110647
Coast2Coast Mortgage, LLC NMLS #376205
Client reviews
★★★★★
253 Google reviews
Clients most often mention fast replies, including evenings and weekends.
Patient answers to every question, from first-time buyers to seasoned investors.
Reviews call out fast approvals and files other lenders turned away.
Buying a home or refinancing shouldn't feel overwhelming. Here's what clients say about working with Duane Buziak.
Duane was the best. He worked with us all the way up until the end late nights and early morning. He gives updates and responds asap. He helped us when the seller was dragging feet and turning in paperwork after hours making the whole process a lot less stressful. Duane is the man
Duane was awesome and very patient with me. I never knew how stressful buying a home could be and I don’t do stress very well. Duane would assure me everything was on track and everything was going well. So, when I would feel stressed out all I have do get in touch with Duane he was always make me feel better. Thanks for everything!!!!!
Duane help me get my dream house/land set up. He works around the clock to take care of any question or just get things done. Will definitely use him again if the need arises. Love his dedication to getting the job done
Duane went above and beyond throughout my mortgage refinance. I shopped around multiple times, and every single time he was able to offer a better deal than the others. He saved my family a significant amount on our monthly payment, and we couldn’t be happier with the experience. Highly recommend working with him.
Duane was always available to help answer any questions we had and absolutely secured the best rate possible. He was dedicated to taking great care of us. When many others said they could, Duane was quick to deliver the results he said he would. Professional, approachable, and honest. Thank you, Sean and Ana
Find Duane on
Licensed in 11 states
Tools and guides
Estimate your monthly payment, affordability and refinance savings.
See how a buydown could lower your payment, then ask what you would qualify for.
See every step from first conversation to the closing table.
Know exactly what to gather so underwriting moves quickly.
Plain-English definitions for the terms lenders love to use.
See what price range fits your income, down payment and monthly budget.
Get started
Get a payment analysis, a closing cost breakdown and a clear next step, with no hard credit inquiry up front. This information is not a loan approval or commitment to lend.
Direct / Text
Office
4860 Cox Rd, Glen Allen, VA 23060
Branch Leader · NMLS #1110647 · Licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY · Lender NMLS #376205
Mortgage insights
VA Loans
Entitlement, funding fees and what zero down really means.
Rates and Buydowns
How a buydown lowers early payments and who it fits.
Market Updates
A practical way to weigh timing, inventory and your budget.
Find Duane Everywhere
Every profile below is Duane's own. Watch his videos, read verified reviews and see his track record before you ever pick up the phone.
Signature
Branch Leader
NMLS #1110647 | Licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY
Lender NMLS #376205 (Coast2Coast Mortgage, LLC)
Serving VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY
Top 1% of All Brokers Nationwide
Virginia Broker of the Year 2024 + 2025
Local Business Person of the Year 2024
Social
Reviews and profiles
For veterans and VA buyers
Homes for Heroes: rewards and savings for veterans, military, first responders and educators, especially on VA loans.
SLOT: paste Duane's Intro Video link and Social Survey link here (not provided yet)
National averages by loan type, updated each business day.
Data as of
| Loan type | Rate | vs. 1 week ago | 90-day trend | Est. monthly payment |
|---|---|---|---|---|
| 7.41% | No change | $2,772/mo | ||
| 6.68% | Up ▲ 0.02 | $3,524/mo | ||
| 7.18% | Up ▲ 0.06 | $2,710/mo | ||
| 7.11% | Up ▲ 0.05 | $2,691/mo | ||
| 7.18% | Up ▲ 0.09 | $2,710/mo | ||
| 7.45% | Up ▲ 0.03 | $2,783/mo |
Rates are 5-day averages of the daily index. Payment estimates are principal and interest only, on the loan amount above. They exclude taxes, insurance, mortgage insurance and fees.
These figures come from the Optimal Blue Mortgage Market Indices (OBMMI). Each business day the index averages the interest rates on loans locked through Optimal Blue, which covers more than a third of U.S. mortgage transactions. They are interest rates, not APR.
Every rate on this page is the 5-day average of the daily index. That keeps all loan types on the same date and smooths out the day-to-day swings that show up in smaller categories such as jumbo and USDA. Data is as of Oct 13, 2026. The source publishes with a delay of about two business days, and this page checks for updates several times a day.
For illustration purposes only. Rates shown are national averages, not a rate quote, offer or commitment to lend, and are not specific to any lender, state or borrower. Your actual rate and terms depend on your credit profile, loan amount, down payment, property type and lender approval, and may differ from the rates shown.
Freddie Mac publishes a separate weekly survey based on loan applications. It tends to land near the daily index but not on it, because it covers a different set of loans over a different period.
| Survey | Latest | Week of | Previous week | Year ago |
|---|---|---|---|---|
| Freddie Mac 30-year fixed | 7.40% | Oct 8, 2026 | 7.28% | 6.30% |
| Freddie Mac 15-year fixed | 6.73% | Oct 8, 2026 | 6.60% | 5.53% |
This data is available for apps and AI tools: JSON and Markdown.
Optimal Blue, Mortgage Market Indices (OBMMI), retrieved from FRED, Federal Reserve Bank of St. Louis. Freddie Mac, Primary Mortgage Market Survey, retrieved from FRED.
