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.

Licensed States: VA Archives - Page 13 of 19

7 Stated Income Mortgage Alternatives That Actually Work in 2026

True stated income mortgages are no longer legal under federal Ability-to-Repay rules, but self-employed borrowers, freelancers, and real estate investors have seven fully documented stated income mortgage alternatives available in 2026 — including bank statement loans, asset depletion loans, and DSCR programs — each structured around non-W-2 income streams.

Gift Money for Down Payment Mortgage Rules: Complete FHA Guide (2026)

FHA gift money for down payment mortgage rules allow eligible borrowers to fund 100% of their down payment using gifted funds from approved donors — but strict HUD documentation requirements govern who can give, how much, and how the money must be transferred. This complete 2026 guide walks through every rule so your gift funds clear underwriting without delays.

FHA MIP vs PMI: 7 Strategies to Choose the Right Mortgage Insurance and Minimize Your Costs

FHA MIP vs PMI are both required mortgage insurance options for low-down-payment buyers, but they differ significantly in pricing, cancellation rules, and long-term cost. This guide breaks down 7 actionable strategies to help homebuyers choose the right mortgage insurance type and minimize what they pay over the life of their loan.

FHA Mortgage Explained: 8 Key Concepts Every Buyer Must Understand Before Applying

An FHA mortgage is a government-backed home loan insured by the Federal Housing Administration, designed to help buyers with limited savings, lower credit scores, or high debt qualify for financing. This guide breaks the FHA program into 8 key concepts — covering eligibility, mortgage insurance, loan limits, and strategic advantages — so buyers in Virginia, Florida, Tennessee, Georgia, and DC can apply with confidence.