Richmond Home Loans

Your Home. Your Future. Expertly Financed.

15+ Yrs Trusted
Lending Experience
NMLS #1110647
Licensed Mortgage Broker
Home Financing
Custom Strategy
Serving Richmond
& Surrounding Areas

Why Choose Us

Tailored Richmond Mortgages
Built Around Your RVA Goals

Navigating Richmond’s dynamic real estate market requires local insight and precision. From historic properties in The Fan to growing communities in Short Pump, Midlothian, and Henrico, we combine deep RVA market expertise with a personal approach to secure optimal home loan terms.

Whether you are purchasing your first home along the James River or refinancing a luxury estate in Chesterfield, our local Richmond team provides a clear, transparent experience tailored to Virginia buyers.

Learn More About Our Richmond Approach →
Downtown Richmond Virginia City Skyline
15+ Years of Local RVA Expertise
Duane Buziak
15+ Years of Mortgage
Expertise
MEET YOUR MORTGAGE MAESTRO

Duane Buziak

Senior Loan Officer | NMLS #1110647

Welcome to a seamless home financing experience. As your dedicated Mortgage Maestro, my mission is to turn the complex world of home loans into a clear, customized, and stress-free journey for you and your family.

Whether you are buying your very first home, upgrading to a new space, investing in property, or looking to refinance your existing mortgage, I bring decades of industry knowledge to ensure you secure the absolute best rates and terms tailored to your unique financial goals.

Custom Loan Programs

Tailored options for FHA, VA, Conventional, and Refinancing goals.

Transparent Process

No hidden fees, no confusion—just honest advice at every single milestone.

Financing Options

Loan Programs Built Around You

Conventional Loans

Flexible options with competitive rates designed for buyers with good credit profiles.

Explore Program

FHA Loans

Accessible homeownership with lower down payment and flexible credit requirements.

Explore Program

VA Financing

Exclusive benefits and zero down payment options for military personnel and veterans.

Explore Program

Jumbo Loans

High-value property financing customized for luxury estate buyers and investors.

Explore Program

Richmond Neighborhood Mortgage Solutions

1

Downtown Richmond & The Fan

Navigating historic property financing, urban condo loans, and competitive city home purchases with localized low rates.

2

Short Pump & Henrico County

Tailored FHA and Conventional loan programs ideal for growing families looking for modern suburban homes and top school districts.

3

Chesterfield & Midlothian

Flexible financing solutions, including low down-payment options and refinancing for established residential neighborhoods.

4

Greater Richmond Metro

Expert local guidance from pre-approval to final closing key hand-off across Hanover, Henrico, and all surrounding RVA counties.

Downtown Richmond Homes Short Pump Henrico Suburbs Midlothian Chesterfield Property Greater Richmond Metro Luxury Home

Side-by-Side Analysis

Find The Right Loan Fit

FeaturesFHA LoansConventional Loans
Min. Down Payment 3.5% (with 580+ FICO)*3.0%
Min. Credit Score 500 (requires 10% down)*620
Mortgage Insurance Required (11 Years or Life of Loan)**Cancelable at 20% Equity
Property UsePrimary Residence OnlyPrimary, Second Homes & Investments

* Credit Score & Down Payment: FHA requires 3.5% down for credit scores 580 and above. Scores between 500–579 require a minimum 10% down payment.

** FHA MIP Duration: FHA mortgage insurance is required for 11 years if put down 10% or more at closing; otherwise, it remains for the life of the loan term.

Richmond Home Loans | Local VA Mortgage Expertise

Richmond, VA Local Independent Broker

Richmond Home Loans.
Rooted in RVA.

From historic townhomes in The Fan to suburban living in Short Pump and Midlothian, we bring competitive home loan choices to buyers across Richmond, Virginia.

Downtown Richmond Skyline
James River & Downtown Richmond
The Fan Short Pump Scott's Addition

Famous Richmond Neighborhoods


Richmond Live Loan Calculator


Suggested Loan TypeConventional
Est. Loan Amount$332,500
Applied Interest Rate6.85%
Est. Total Monthly Payment$2,179

Mortgage Insights

Luxury Estate Mortgage Insights

Navigating High-Value Mortgage Rates in Today's Market

Read More
Richmond Modern Residential Architecture

When Is the Strategic Moment to Refinance?

Read More
Richmond Jumbo Loan Property

The Richmond Buyer's Guide to Jumbo Loans

Read More

Let's Discuss Your Financing Goals

A private, no-obligation conversation about your next home.

What Our Clients Say

Posted on Google Google
Sandy Jones profile picture
Sandy Jones
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane Buziak Mortgage Maestro is truly exceptional! As a broker, Duane takes the time to understand each client’s unique financial goals and provides clear, honest guidance throughout the mortgage process. His expertise and dedication make home financing smooth and stress-free. Whether you’re buying, refinancing, or exploring FHA or conventional loans, Duane delivers top-notch service and great rates. Highly recommended!
Posted on Google Google
Eleanor Abigail profile picture
Eleanor Abigail
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane is incredibly hardworking and knowledgeable! He took the time to understand our needs and went above and beyond to make sure we got the best deal possible. His professionalism and attention to detail made the entire process smooth and stress-free. We truly appreciate his dedication and expertise — highly recommend working with Duane!
Posted on Google Google
Mahëesha Guruge profile picture
Mahëesha Guruge
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We honestly couldn’t have asked for a better experience with Duane! From day one, he was professional, kind, and truly cared about helping us find the best mortgage possible. He worked so hard to get us an amazing rate and made sure we understood everything along the way. Buying a home can be stressful, but he made the process so smooth and easy. He always answered our questions quickly, explained every detail clearly, and kept us updated every step of the way. You can tell he really love what he do and want the best for his clients. My husband constantly called him many times a day, he was very fast to answer the phone and patiently explained everything over and over again without any hesitation until we understood everything. We’re so grateful and highly recommend him to anyone looking for a trustworthy, knowledgeable, and straightforward lender.
Posted on Google Google
Brandi Barwick profile picture
Brandi Barwick
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
As a first time home-buyer with a unique situation, Duane had to field A LOT of questions from me. He was always patient, thorough, and made sure to explain multiple options. I distinctly remember him saying "I won't hang up until I'm sure you understand." He was a joy to work with and I would highly recommend him!
Posted on Google Google
lucas profile picture
lucas
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Working with Duane was a fantastic experience from start to finish. He guided me through the mortgage process with ease, making everything straightforward and stress-free. His communication was clear and consistent, and I always felt well-informed and supported. Duane truly had my best interests at heart—his honesty, professionalism, and friendly nature made all the difference. He’s not only highly knowledgeable, but also someone you can trust and feel comfortable with. I wouldn’t hesitate to recommend him to anyone in need of a mortgage broker who genuinely cares. Thank you so much, Duane
Posted on Google Google
Marjan Shaw profile picture
Marjan Shaw
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
As a first-time homebuyer, I couldn’t have asked for a better experience than working with Duane Buziak and his team at Coast to Coast. He made the entire process smooth, professional, and stress-free. Even when challenges came up with our agent’s title company, Duane stayed calm, supportive, and went above and beyond to guide us through. My fiancé, who has purchased several homes before, said this was by far the easiest experience he’s ever had. I highly recommend Duane and Coast to Coast for all your lending needs!
Posted on Google Google
Harper profile picture
Harper
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Mr. Duane has truly been a gift to our family! His support, expertise, and professionalism made all the difference. He patiently answered all our questions and helped us secure the interest rate we were hoping for. He's truly a standout in this field — a real MVP! It's clear he has a heart for service, and we pray he receives abundant blessings, both in this life and beyond. We’re deeply grateful for the time, effort, and care he invested in us throughout our home-buying journey, all the way to helping us get our very first home here in the U.S. May God bless you
Posted on Google Google
Lisa Paulette profile picture
Lisa Paulette
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane Buziak was a Godsend. With patience and outstanding professionalism, Duane guided me through not only a new home purchase, but navigating an emotional life transition. He is a master who competes with only him self…as he is number 1. He works tirelessly to garner the best interest rate and loan situation. He is respected by his peers and other professionals within his network. I couldn’t have made it through this daunting experience without his encouragement and expertise.
Posted on Google Google
Cecilia Morejon profile picture
Cecilia Morejon
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Although I had an overwhelming complicated style of income, Duane was a rockstar and made it happen. He dug around and found what worked for me and when lenders complicated the process even more, Duane was on top of things and we worked it out together. Things got done efficiently and neatly. A true master in his field! You can tell he lives and breaths his career and loves what he does. 🙌🙌🙌
Frequently Asked Questions — Richmond Home Loans
We offer Conventional, FHA, VA, Jumbo, DSCR, Non-QM, Foreign National, Commercial, and Down Payment Assistance programs — covering nearly every buyer situation in the Richmond area.
We work with buyers across the Fan District, Short Pump, Henrico County, Chesterfield, Midlothian, and the greater Richmond metro area, including Hanover County.
FHA loans require a minimum 580 credit score for 3.5% down, or a 500 score with 10% down. Mortgage insurance duration depends on your down payment amount.
Conventional loans typically require a 620+ credit score with as little as 3% down, and mortgage insurance can be cancelled once you reach 20% equity — unlike FHA, which often requires it for the life of the loan.
Yes, we specialize in VA financing with zero down payment options and no mortgage insurance requirement for eligible military personnel and veterans buying in Richmond and surrounding counties.
Yes, we offer DSCR loans for real estate investors, which qualify based on a property's rental income rather than personal income — ideal for growing an investment portfolio in the Richmond market.
Yes, we offer Foreign National loan programs for non-U.S. citizens looking to purchase property in the Richmond area.
Yes, we help connect qualified Richmond-area buyers with down payment assistance programs to reduce upfront costs when purchasing a home.
Beyond loans, we offer title services, credit restoration, homeowners insurance guidance, and connections to trusted realtors and home inspectors — supporting the full home-buying process.
Duane Buziak brings over 15 years of mortgage lending experience, licensed in Virginia, Florida, Tennessee, Georgia, Washington D.C., North Carolina, South Carolina, and Maryland.
Yes — while we specialize in Richmond, our team also helps buyers in Henrico County through Henrico Mortgage, and in Glen Allen through Glen Allen Mortgage, covering the same VA, FHA, and conventional loan options.
Yes — as a citywide Richmond resource, we regularly help buyers across the metro area. Check out Henrico Mortgage, Chesterfield Mortgages, Short Pump Mortgage, or Glen Allen Mortgage for guidance specific to those markets.
Duane Buziak

Duane Buziak

Mortgage Maestro | NMLS #1110647

Coast2Coast Mortgage LLC | richmond home loans

Licensed in: VA, FL, TN, GA, DC, NC, SC, MD

📱 (804) 212-8663 | 📧 duane@coast2coastml.com