richmond’s premier mortgage advisory
Richmond Home Loans
Your Home. Your Future. Expertly Financed.
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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
Loan Programs Built Around You
Conventional Loans
Flexible options with competitive rates designed for buyers with good credit profiles.
FHA Loans
Accessible homeownership with lower down payment and flexible credit requirements.
VA Financing
Exclusive benefits and zero down payment options for military personnel and veterans.
Jumbo Loans
High-value property financing customized for luxury estate buyers and investors.
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.
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, 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.
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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
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.
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.
Let’s Discuss Your Financing Goals
A private, no-obligation conversation about your next home.
What Our Clients Say
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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.
A Loan Estimate is a standardized document every lender must provide within 3 days of your application, showing your rate, monthly payment, and closing costs. To break it down line by line, check out our free tool at Loan Estimate Optimizer.
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
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