The Mortgage Sensei

HEROES HOME LOANS · 11 STATES

Home Loans for Veterans, First Responders, Teachers and Healthcare Workers

You serve your community. Duane looks for the loan and the savings programs that fit your service, across the 11 states where I am licensed.

Licensed in 11 states

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No-pressure advice

WHO IT IS FOR

Programs that recognize your service

Veterans and active duty can use VA loans with no down payment and no monthly mortgage insurance. Other service professionals may find state housing programs, lender offers or employer programs.

Eligibility for each program depends on your profession, income, credit and the home. I check what applies and explain it in plain language.

VA loans

For eligible veterans, service members and some surviving spouses. No down payment required and no monthly mortgage insurance.

State housing programs

Virginia Housing, THDA and Georgia Dream offer down payment help with income and purchase price rules. Details change.

Homes for Heroes

Duane is a Homes for Heroes affiliate. Eligible members may receive savings, subject to program rules. Ask for details.

Responders, teachers, healthcare

Some programs and lender offers support these professions. Availability varies.

HOW IT WORKS

Put your service to work

01

Tell me about your service

Share your profession, income range and the area where you want to buy.

02

Match programs

I check VA, state and other programs you may be eligible for.

03

Combine the savings

Where rules allow, we pair a loan with down payment help or other savings.

04

Close

Preapproval, underwriting and closing, with clear updates at each step.

LOCAL KNOW-HOW

Serving those who serve, in 11 states

Program availability can vary by state and by lender. I check what is offered where your property is located.

Virginia

Military and federal communities

Hampton Roads, Northern Virginia and Central Virginia have large military and federal communities. VA loans are common here.

Tennessee

Clarksville, Nashville and beyond

Tennessee buyers can pair VA loans with THDA programs where eligible.

Georgia

Atlanta, Savannah and Columbus

Georgia's military communities and metro teachers and nurses can look at Georgia Dream programs where eligible.

FAQ

Heroes home loan questions

Do I need to be a veteran?

Not for every program. VA loans require eligible service. Other programs serve teachers, first responders and healthcare workers.

Can I use more than one program?

Sometimes. Rules vary, so I check how programs combine before you commit.

Is the VA funding fee required?

Many borrowers pay it, but some are exempt, such as veterans receiving VA disability compensation. I check your status.

NEXT STEP

Curious what your service unlocks?

Tell me your profession and target area and I will outline what may apply. No obligation.

Duane Buziak, NMLS #1110647, Coast2Coast Mortgage, LLC, NMLS #376205. Licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY. Equal Housing Lender. This information is educational and is not an indication of loan qualification, approval or a commitment to lend. Rates, programs and guidelines change and are subject to credit approval.