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 →

15+ Years of Local RVA Expertise

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.

Connect With Duane

DIRECT CALL: (804) 212-8663

Financing Options

Loan Programs Built Around You

Conventional Loans

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

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FHA Loans

Accessible homeownership with lower down payment and flexible credit requirements.

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VA Financing

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

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Jumbo Loans

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

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Richmond Neighborhood Mortgage Solutions

Downtown Richmond & The Fan

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

Short Pump & Henrico County

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

Chesterfield & Midlothian

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

Greater Richmond Metro

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

Side-by-Side Analysis

Find The Right Loan Fit

Features	FHA Loans	Conventional 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 Use	Primary Residence Only	Primary, 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.

Calculate Payment Call 804-212-8663

James River & Downtown Richmond

The Fan Short Pump Scott's Addition

Famous Richmond Neighborhoods

The Fan Historic District

Short Pump & Henrico

Midlothian & Chesterfield

Richmond Live Loan Calculator

Richmond Home Price: $350,000

Down Payment: 5% · $17,500

Interest Rate: 6.85%

Suggested Loan TypeConventional

Est. Loan Amount$332,500

Applied Interest Rate6.85%

Est. Total Monthly Payment$2,179

Mortgage Insights

Navigating High-Value Mortgage Rates in Today's Market

Key strategies for luxury buyers looking to optimize interest structures and preserve capital during market shifts.

Richmond Modern Residential Architecture

When Is the Strategic Moment to Refinance?

A practical guide to evaluating equity growth, current interest rates, and loan terms before taking action.

The Richmond Buyer's Guide to Jumbo Loans

Understanding qualification benchmarks, documentation steps, and portfolio options for local home buyers.

Richmond Home Loans

Tailored Richmond Mortgages
Built Around Your RVA Goals