Your trusted partner in home financing

Local Chesterfield advisors, honest rates, no hidden fees.

Top rated by 100+ clients

★★★★★
4.9 rating
100+
families helped
FCA
regulated

Mortgage Types

Find the perfect financing option tailored to your situation.

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First-Time Buyer

Step confidently into your new home with tailored loans and lower deposit options.

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Family moving boxes into a house

Remortgaging

Secure a better rate, reduce payments, or unlock your home's equity.

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Modern apartment complex exterior

Buy-To-Let

Grow your property investment portfolio with competitive, specialized finance.

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Self-Employed

Flexible lending solutions designed to understand and approve irregular income streams.

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How It Works

Your simple 6-step journey to securing the perfect mortgage.

1 Initial Consultation & Apply

Fill out our simple form. We begin with a soft credit pull that provides an accurate rate estimate without affecting your credit score.

2 Loan Options & Matching

We analyze dozens of wholesale mortgage programs (FHA, VA, Conventional) to find the absolute lowest rates and best terms for you.

3 Document Upload & Pre-Approval

Securely upload income and identification documents. We verify everything quickly to issue your official Pre-Approval letter.

4 Property Appraisal & Processing

An independent home appraisal is ordered to verify property value while our processing team prepares your file for underwriting.

5 Underwriting & Clear-to-Close

Underwriters perform the final review of your loan file and issue the official "Clear-to-Close" approval status.

6 Final Closing & Key Handover

Sign final documents, transfer closing funds, and receive the keys to your new home!

Mortgage Process Step Image

Monthly Payment Mortgage Calculator*

Use this calculator to see monthly payments for different loan amounts.

Home price
Down payment
Length of loan
Interest rate
Show advanced options
$3,312 Your estimated monthly payment
$3,312
Monthly payment
How is my monthly payment calculated?
Principal & interest
$3,312
Homeowner's insurance
+
Property tax
+
HOA fees
+
Total monthly payment= $3,312
YearPrincipal PaidInterest PaidTotal PaymentEnding Balance
* Please note: this calculator is for illustration payments and actual payments may vary.

Why choose us

We combine deep local market knowledge with transparent, fast, and tailor-made solutions for your peace of mind.

Personalized Advice

Personalized Advice

Tailored financial strategies designed around your goals to ensure you get the best outcomes.

No Hidden Fees

No Hidden Fees

Complete transparency with upfront terms—no surprise costs or unexpected charges down the road.

Fast Approval

Fast Approval

Streamlined digital processing to get your application approved quickly without long delays.

Local Expertise

Local Expertise

In-depth understanding of your local market to guide you through every step with full confidence.

Duane Buziak
15+ Years Of Mortgage
Expertise
MEET YOUR MORTGAGE MAESTRO

Duane Buziak

Senior Loan Officer | NMLS #1110647

Welcome to a seamless home financing experience. As your dedicated Mortgage Maestro, my mission is to turn the complex world of home loans into a clear, customized, and stress-free journey for you and your family.

Whether you are buying your very first home, upgrading to a new space, investing in property, or looking to refinance your existing mortgage, I bring decades of industry knowledge to ensure you secure the absolute best rates and terms tailored to your unique financial goals.

Custom Loan Programs

Tailored options for FHA, VA, Conventional, and Refinancing goals.

Transparent Process

No hidden fees, no confusion—just honest advice at every single milestone.

Get Approved Today in 8 States & DC

Begin Your
Application Here

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You may opt in or opt out of SMS communication at any time by contacting your loan officer or customer support.
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Frequently Asked Questions

Everything you need to know about starting your mortgage journey.

1. What types of mortgages do you offer?
We offer a range of options including First-Time Buyer loans, Remortgaging, Buy-to-Let financing, and solutions for Self-Employed borrowers, including FHA, VA, and Conventional programs.
2. Will applying affect my credit score?
No. We begin with a soft credit pull to give you an accurate rate estimate without impacting your credit score.
3. How long does the pre-approval process take?
Once you upload your income and identification documents, our team verifies everything quickly to issue your official Pre-Approval letter in a short timeframe.
4. Are there any hidden fees?
None. We pride ourselves on complete transparency — all terms are upfront, so there are no surprise costs or unexpected charges.
5. What states do you currently serve?
We currently help clients get approved in five states: Washington, North Carolina, Tennessee, Georgia, and Florida.
6. What happens after underwriting?
Once underwriters complete the final review of your loan file, you'll receive an official "Clear-to-Close" approval, after which you can move to final closing.
7. Do I need to already be working with a loan officer to apply?
No. Whether you're new to us or already working with one of our loan officers, you can start your application right away.
8. Who can I talk to for personalized advice?
You can connect directly with our Senior Loan Officer, Duane Buziak (NMLS #1110647), by calling (804) 212-8663 for tailored guidance on your mortgage journey.
9. Do you also help buyers in Henrico County?
Yes — we work with buyers across Henrico as well. Visit Henrico Mortgage for area-specific rates and loan programs.
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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)
  • A Rating with the Better Business Bureau
  • NMLS Consumer Access — Verified License
Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA, FL, TN, GA, DC, NC, SC, MD
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Nathanael Bell
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Duane is the man! He came highly recommended by our realtor, and he absolutely lived up to the expectations set by the many awards and recognitions he’s received. He helped us navigate the mortgage process seamlessly, explained everything clearly, including the interest rates, and made sure we locked in at the right time (phew!). If you need a mortgage broker, we highly recommend Duane! He goes above and beyond to answer every question, keep you informed throughout the process, and make sure you close on time. We couldn’t have asked for a better experience!
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haley alvis
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Duane and his team were great! Duane answered all my questions in a timely manner and was patient with me when I asked the same questions over and over. He took the time to explain things in a simple way so I can understand them. Even in times of doubt and uncertainty, he was there to make sure everything was still running smoothly! I definitely recommend his services!
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Zack Broaddus
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Legendary mortgage broker. Duane's level of service is extremely hard to come by these days. He goes above and beyond with everything that he does. He did a mortgage for me 5 years ago and another last week, same great service after all of that time. You want Duane on your team.
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Amanda O'Briant
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If you’re looking for a mortgage broker who truly understands complex lending situations, I can’t recommend Duane Buziak highly enough. There’s a reason people call him “The Mortgage Maestro.” I had one of those more complicated situations—FHA, down payment grant programs, employment gaps, less-than-perfect credit, and all the moving pieces that come with that. From the very beginning, he treated me with kindness and respect. There was never a hint of judgment, just genuine patience and a desire to help me figure out the best path forward. What impressed me most is that he’s an absolute numbers savant. He can take what feels like an overwhelming pile of mortgage rules, income calculations, credit questions, and loan options and explain everything in a way that actually makes sense. He listened carefully to my situation instead of trying to fit me into a one-size-fits-all solution. Then he laid out every option I had, explaining the pros and cons of each so I could make an informed decision. He’s incredibly responsive—always available to answer questions, no matter how small, and amazingly fast. Every time he said he was going to do something, he did it. No chasing him down, no wondering where things stood. That kind of reliability is rare. And when the inevitable curveballs came up—as they often do in real estate, like inspection issues or other unexpected hurdles—Duane never got flustered. Instead, he quickly pivoted, came up with a new game plan, and kept everything moving forward. He has a calm confidence that’s incredibly reassuring when you’re stressed and wondering what’s going to happen next. Most importantly, I never felt like I was just another file on his desk. I genuinely felt like he put my needs first, even when that meant taking extra time to explain something or explore another option that might work better for me. That level of honesty and integrity is hard to find. Buying a home is stressful enough. Having someone you can completely trust makes all the difference. I would recommend Duane Buziak, “The Mortgage Maestro,” without hesitation to anyone, especially if you have a more challenging mortgage situation. He’s knowledgeable, compassionate, incredibly sharp, adaptable, and exactly the kind of person you want in your corner.
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Crypto-browngurl Hope
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Duane returned emails, return calls immediately to get me through the process. Plus answers questions with great detail to help you understand.
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Phil Springer profile picture
Phil Springer
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Working with Duane Buziak was a great experience. He’s a trusted mortgage loan officer in Virginia who made the home loan process smooth and stress free. He helped us secure a low rate mortgage with fast approval and great communication. Highly recommend if you’re looking for the best mortgage rates in Virginia
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Jacob Poullath
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Duane was the best. He worked with us all the way up until the end late nights and early morning. He gives updates and responds asap. He helped us when the seller was dragging feet and turning in paperwork after hours making the whole process a lot less stressful. Duane is the man
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Peter Rees profile picture
Peter Rees
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Duane Buziak is a true Mortgage Maestro! This was one of those real stories from first-time homebuyers in Richmond. complete stress free home loan process in Virginia. He delivered a low rate home loan tailored for you with fast and simple mortgage approval. We closed in under 4 weeks! No surprise he’s a word of mouth trusted mortgage expert in Virginia with referrals from satisfied home loan clients. If you want help finding the best mortgage rate in Virginia, Duane is the one you can trust.
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Seo plus
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I had an amazing experience working with Duane Buziak at Mortgage Maestro
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deborah van ness
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Duane was awesome and very patient with me. I never knew how stressful buying a home could be and I don’t do stress very well. Duane would assure me everything was on track and everything was going well. So, when I would feel stressed out all I have do get in touch with Duane he was always make me feel better. Thanks for everything!!!!!
Duane Buziak

Duane Buziak

Mortgage Maestro | NMLS #1110647

Coast2Coast Mortgage LLC | Chesterfield Mortgages

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

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

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