Question 1

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

Accepted Answer

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.

Question 2

What is a NoTouch Credit pre-approval?

Accepted Answer

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.

Question 3

Does Duane Buziak offer down payment assistance in Virginia?

Accepted Answer

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.

Question 4

What makes an independent mortgage broker better than a bank?

Accepted Answer

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.

Day: July 24, 2026

First Time Homebuyer Financing Guide for FHA

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