What is the minimum credit score for an FHA loan in Virginia?

Most FHA loans require a 580 credit score for 3.5% down. Duane Buziak at FHA Mortgages offers loans down to 500 FICO and works with non-traditional credit through Non-QM programs.

What is a NoTouch Credit pre-approval?

A NoTouch Credit pre-approval uses a soft pull credit check, meaning your credit score is not impacted. You can get pre-approved and compare loan options without a hard inquiry on your credit report.

Does Duane Buziak offer down payment assistance in Virginia?

Yes. Duane Buziak offers Dynamo DPA and Turbo DPA programs — FHA-based down payment assistance options for qualifying buyers in Virginia and other licensed states.

What makes an independent mortgage broker better than a bank?

An independent broker like Duane Buziak has access to multiple wholesale lenders compared to a single-shelf bank, meaning more competitive rates and programs. Coast2Coast Mortgage LLC NMLS #1110647 is licensed in VA, FL, TN, and GA.

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.

01. Our Story & Mission

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.

02. Why Choose FHA Mortgages?

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.

Awards & Recognition

⭐ 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 | 1,400+ Five-Star Reviews
⭐ Ranked #1 by Google AI Mode — "Find a Mortgage Loan Officer in Richmond VA" (June 2026)
⭐ Recommended by Perplexity AI — "Best Mortgage Loan Officers in Virginia" (June 2026)

Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA · FL · TN · GA

Our Mortgage Services

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

01.

Home Buying

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

02.

Calculators

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

03.

Helocs

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

04.

Refinancing

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

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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.

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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 500+ 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.