Affordable FHA Home Loans Made Simple

Looking to buy your dream home? FHA Mortgages helps first-time and experienced buyers secure government-backed loans with low down payments and flexible terms.

Winning Mortgage Solutions

FHA Mortgages provides reliable, expert guidance to make homeownership accessible for everyone. Our tailored mortgage solutions and personalized support help you finance your home confidently.
We are dedicated to helping individuals and families achieve homeownership through FHA-backed loans. Our mission is to simplify the mortgage process while offering expert guidance.

Our clients trust us for transparent, fast, and reliable mortgage solutions. We make the home buying process stress-free, helping you get approved with ease.

Why Clients Trust Duane Buziak, Mortgage Maestro

  • ⭐ Scotsman Guide Top Originator 2025 — #114 Nationally | $44.4M | 124 Loans | 90% Purchase
  • ⭐ Scotsman Guide Top Originator 2026 — $51.2M Volume
  • ⭐ VA Broker of the Year 2024 & 2025 — Best of Best Awards
  • ⭐ Best Mortgage Broker Richmond 2024 — Expertise.com
  • ⭐ UWM PRO ELITE 2025 | UWM Top 20 Purchase LO Virginia 2025
  • ⭐ Innsbrook Business of the Year 2022 & 2024 — Alignable
  • ⭐ Glen Allen Mortgage Broker of the Year 2025 — Alignable
  • ⭐ Top 1% Nationwide | 15+ Years Experience | (256)+ Five-Star Reviews
  • ⭐ Ranked #1 by Google AI Mode — "Find a Mortgage Loan Officer in Richmond VA" (June 2026)
  • ⭐ Recommended by Perplexity AI — "Mortgage Loan Officers in Virginia" (June 2026)

Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA, FL, TN, GA, DC, NC, SC, MD

Today's Rates

FHA & conventional home loans

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Our Mortgage Services

FHA Mortgages offers a wide range of services to guide you through every step of the mortgage process.

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Home Buying
Buying a home is a key financial and life decision for Veterans and their families.

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It requires careful planning, budgeting, and picking the right mortgage options.

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Mortgage calculators are useful tools to estimate payments quickly and accurately.

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A HELOC is a flexible loan letting homeowners borrow against their home equity.

LoanOptimizer

See which loan fits you better — FHA or Conventional

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Our experts are ready to guide you through the mortgage process. Secure your FHA loan with confidence and ease.
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Free NoTouch Credit

Your Credit is Safe with Us

Discover your loan options and true buying power with our NoTouch Credit System . We get you pre-approved without a single credit hit.

With our Free NoTouch Credit service, you can instantly see where your credit stands—without triggering a hard inquiry or lowering your score. Traditional credit checks often leave a mark that lenders can see, but our process uses a soft pull—completely safe, private, and impact-free.

Our Services

Each service at FHA Mortgage is designed to match your goals with the realities of housing market.
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What Customers Say About Working With Duane Buziak Mortgage Maestro

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Marjan Shaw profile picture
Marjan Shaw
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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!
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Harper profile picture
Harper
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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
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Lisa Paulette profile picture
Lisa Paulette
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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.
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Cecilia Morejon profile picture
Cecilia Morejon
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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. 🙌🙌🙌
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John Steffy profile picture
John Steffy
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Duane is the real deal Is he over the top…Absolutely! Is he aggressive…Yes! Will he reach out to you as soon as you inquire…you bet!!! And at the end of the day he will use that energy to get you the best deal that fits your needs. We started out working with him almost 3 years ago. We were in a desperate situation. We did not have the necessary history for a conventional mortgage. The company that Duane worked for them did not handle such cases. When he exhausted all available avenues at his disposal, he gave me another contact who handled those cases. While that broker was far from the worker Duane was, he had an angel working for him “Crystal” her hard work and council led us to getting it done… Flash forward to this month. I had always said I would seek Duane when we were able to refinance…our pay history was now sufficient, our credit scores had been pushed up. Duane sends an email. We reconnected. Talking at 10pm ( someone who sleeps less than me) 2am emails ( yes I was up as well) 3 weeks later We just signed our refi loan 3.5% drop Closing was 2 weeks ahead of schedule No glitches! Why Duane knows the business! Duane grinds! Duane listens to what you want! Duane doesn’t push at the end! Thank you Maestro!
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Kyle Blackwell profile picture
Kyle Blackwell
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Duane and his team were amazing! He gets the rates and deals done. Trusted broker, I will recommend him to any in Virginia! Duane I couldn't thank you enough giving me the confidence to be able to close and open a new chapter in my life.
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J R profile picture
J R
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Duane was super knowledgeable and definitely the best broker I've used–he really fought to get us the best rate possible and kept me in the loop at all times.
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No Thanks
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As you can tell by my username I am not a publicity hound. But I have to stop and thank Duane Buziak. I know he is the maestro but I didn't know he also saves money on title fees too. Wow. I compared over 7 different title companies and it wasn't even close. Talk about someone going the extra mile. Best rates lowest fees, and then he sent me a title company that I swear to God charged almost nothing for title fees. Amen. He goes above and beyond anyone. I had purchased 4 homes before this, never had a smoother, easier, less painful experience. And the savings, they are very real. If you are not using Duane Buziak for your mortgage, why?
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Naomi Hoehn profile picture
Naomi Hoehn
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⭐️⭐️⭐️⭐️⭐️ I’ve worked with many lenders over the years, but Duane Buziak continues to set the gold standard. I’ve trusted him with countless clients — and recently, I had the pleasure of working with him on my own home purchase. Simply put, Duane is outstanding. He brings a rare combination of deep industry knowledge, creative problem-solving, and genuine care for the people he works with. He doesn’t just get deals done — he gets them done right, with clarity, integrity, and speed. When things got stressful, Duane was the steady hand I needed, always two steps ahead and laser-focused on solutions. Throughout the process, Duane was incredibly responsive (even after hours), always keeping me informed and confident in every step. He explained every detail with patience, offered insightful guidance on financing options, and made sure the entire transaction was smooth and on schedule. As both a real estate professional and a recent client, I can confidently say Duane is the kind of lender every agent wishes they could work with. He’s not just good — he’s a game-changer. I wouldn’t hesitate to recommend him to anyone looking to buy, refinance, or simply understand their options. If you’re lucky enough to work with Duane Buziak, you’re in the best hands.

Top Tips for HomeBuyers and Investors

FHA Loan FAQ: Virginia & Multi-State Guidance

Answers below reflect current HUD/FHA.gov guidance. For a file-specific quote, use the Dare to Compare pricing challenge or call 804-212-8663.

What credit score do I need to qualify for an FHA loan in Virginia?
FHA guidelines permit scores as low as 500, but most approvals cluster at 580 and above, which unlocks the standard 3.5% down payment option. Borrowers between 500–579 need at least 10% down and typically face manual underwriting, where compensating factors like reserves or a verified rent history matter more.
What is the minimum down payment for an FHA loan?
With a credit score of 580 or higher, the minimum down payment is 3.5% of the purchase price. Borrowers with scores in the 500–579 range need a minimum of 10% down, and the loan is typically routed through manual underwriting rather than automated approval.
What is FHA mortgage insurance (MIP), and can it be avoided?
No — MIP is a required, non-waivable cost on FHA loans. It includes an Upfront MIP of 1.75% of the loan amount plus an Annual MIP, which varies based on loan term, loan-to-value ratio, and loan amount. Unlike conventional PMI, FHA MIP often continues for the life of the loan depending on the down payment.
What are FHA loan limits in Virginia, and do they vary by county?
Yes. HUD sets FHA loan limits annually on a county-by-county basis, tied to local home values. Richmond-metro limits are different from higher-cost Northern Virginia counties, so the maximum loan amount depends on where the property is located, not a single statewide figure.
How does an FHA loan compare to a conventional loan?
FHA loans allow lower credit scores (down to 500) and smaller down payments (3.5% at 580+), while conventional loans generally require 620+ credit and 3–5% down. FHA mortgage insurance can last the life of the loan, whereas conventional PMI is removable once equity reaches 78–80% loan-to-value.
What is an FHA Streamline Refinance, and who qualifies?
The FHA Streamline Refinance allows current FHA borrowers in good standing to refinance into a new FHA loan with reduced documentation, and in many cases, no new appraisal. It's built for borrowers looking to lower their rate or payment without a full re-qualification process.
Can I buy a condo with an FHA loan?
Yes, provided the condo project is on FHA's approved list, or qualifies through the single-unit approval process. HUD requires the project to meet specific insurance, budget, and owner-occupancy standards before individual units become FHA-eligible.
Why work with an independent broker instead of a single-lender retail shop?
An independent broker shops your file across hundreds of wholesale lenders instead of one institution's rate sheet, widening access to loan programs and pricing. Coast2Coast Mortgage also uses a NoTouch Credit Pull (soft pull, no hard inquiry) and offers a Dare to Compare pricing challenge, along with no-out-of-pocket closing options where it fits the borrower's file.
Duane Buziak

Duane Buziak

Mortgage Maestro | NMLS #1110647

Coast2Coast Mortgage LLC | fha mortgages

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

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