Loan Programs Built Around You

Finding the right mortgage isn’t about picking from a list — it’s about matching your specific situation to the program that actually fits. Whether you’re a first-time buyer, a growing investor, or refinancing an existing property, Richmond Home Loans offers a full range of financing solutions designed to meet you where you are.

As an independent mortgage broker, Duane Buziak shops your loan across hundreds of wholesale lenders instead of offering just one rate sheet — meaning more flexibility, more competitive terms, and a program built around your goals, not a one-size-fits-all product.

Explore Our Loan Programs

Conventional Loans — Flexible financing with competitive rates for buyers with strong credit profiles. Down payments as low as 3%, with mortgage insurance that cancels once you reach 20% equity.

FHA Loans — Accessible homeownership with a low down payment (as little as 3.5%) and more flexible credit requirements, ideal for first-time buyers.

VA Financing — Zero down payment options and no mortgage insurance requirement for eligible veterans and active-duty military personnel.

Jumbo Loans — Financing for luxury and high-value properties that exceed conventional loan limits, tailored for estate buyers and investors.

DSCR Loans — Built for real estate investors, DSCR loans qualify based on a property’s rental income rather than personal income, making it easier to grow your portfolio.

Non-QM Loans — Flexible qualification options for self-employed buyers, investors, or anyone with a unique income situation that doesn’t fit traditional lending boxes.

Foreign National Loans — Financing solutions for non-U.S. citizens looking to purchase property in Richmond and the surrounding area.

Commercial Loans — Financing for commercial and investment properties, supporting business owners and investors across the Richmond market.

Down Payment Assistance — Programs designed to help qualified buyers reduce upfront costs and get into a home sooner.

Not Sure Which Program Fits You?

With so many options, it’s normal to feel unsure where to start. That’s exactly what a no-obligation consultation is for — a quick, honest conversation to map out which program actually makes sense for your goals, your credit profile, and your timeline.

Schedule a Free Consultation → https://richmondhomeloans.com/appointment/