Richmond, Virginia’s housing market continues to draw buyers, refinancers, and investors who want a piece of one of the Mid-Atlantic’s most dynamic cities. Whether you’re purchasing your first home in the Fan District, refinancing a property in Henrico County, or expanding a rental portfolio in Scott’s Addition, the home loan you choose and how you pursue it can mean tens of thousands of dollars in savings over the life of your mortgage.
The challenge most Richmond borrowers face isn’t finding a lender. It’s knowing which strategy puts them in the strongest position before they ever sign a document.
This guide breaks down eight actionable strategies that experienced borrowers use to navigate Richmond VA home loans more effectively. Each strategy covers credit positioning, lender comparison, loan type selection, and speed-to-close tactics. You’ll also find structured Q&A sections, rate payment tables, and direct comparisons between lender types so you can make an informed decision rather than a rushed one.
Author: Duane Buziak, Mortgage Maestro | NMLS #1110647 | Licensed in VA, FL, TN, and GA
1. Use a NoTouch Credit Check Before You Talk to Any Lender
The Challenge It Solves
Most Richmond borrowers walk into a lender conversation without knowing where they stand. The lender immediately pulls a hard inquiry, which can lower your credit score by several points. If you’re shopping multiple lenders the traditional way, those inquiries stack up before you’ve even compared a single rate. You’re losing leverage before the conversation begins.
The Strategy Explained
A soft-pull credit review using Vantage Score 4.0 gives you a clear picture of your mortgage eligibility without triggering a hard inquiry on your credit report. This is sometimes called a NoTouch Credit review, and it’s one of the most underused tools available to Richmond homebuyers.
Vantage Score 4.0 is a publicly documented scoring model developed by VantageScore Solutions. It’s used by many lenders as an alternative to traditional FICO scoring and is recognized for its ability to score a broader range of consumers, including those with limited credit history. Learn more about how VantageScore 4.0 affects your Richmond mortgage eligibility across different loan programs.
Under the Fair Credit Reporting Act, soft inquiries do not affect your credit score. That means you can review your full mortgage eligibility picture before any lender ever sees your file.
Credit score minimums worth knowing: Per HUD guidelines, FHA loans allow scores as low as 500 with a 10% down payment, and scores of 580 or higher with as little as 3.5% down. Conventional loans typically require 620 or above. VA loans have no official minimum score requirement, though individual lenders may set overlays. Scores as low as 500 may still qualify for certain programs depending on loan type and lender.
Implementation Steps
1. Request a soft-pull Vantage Score 4.0 review before contacting any lender. This gives you your baseline without credit impact.
2. Review your eligibility across multiple loan types based on your score, income, and property goal.
3. Use that information to approach lender conversations from a position of knowledge rather than uncertainty.
Pro Tips
National platforms like Rocket Mortgage and many retail lenders initiate a hard pull almost immediately. Knowing your score and eligible programs in advance means you control the conversation. If you’ve been told your credit isn’t strong enough, a NoTouch review often reveals programs that weren’t on the table at the first lender you visited.
Q&A
Q: Does a soft pull give me accurate mortgage eligibility information?
A: Yes. A soft-pull Vantage Score 4.0 review provides enough information to identify which loan programs you’re likely to qualify for and at what general terms, without triggering a hard inquiry.
Q: What if my score is below 620?
A: Scores below 620 may still qualify for FHA programs. Scores as low as 500 may qualify with the right loan structure and lender. An independent broker with access to multiple lenders has more options than a single retail lender.
2. Shop Hundreds of Lenders at Once Instead of One at a Time
The Challenge It Solves
When you apply at a single retail lender, you’re seeing one pricing sheet. Whether that’s Rocket Mortgage, CapCenter, Alcova Mortgage, or Movement Mortgage, each of those lenders presents only their own product lineup. You have no way of knowing whether a better rate exists somewhere else unless you apply again, triggering another hard inquiry and starting the process over.
The Strategy Explained
An independent mortgage broker accesses wholesale pricing from hundreds of lenders simultaneously. That’s a structural advantage that retail lenders simply cannot match. Wholesale pricing is typically lower than retail pricing because the lender isn’t paying for branch overhead or direct advertising to reach you. The broker handles the relationship, and the savings pass to you.
The Consumer Financial Protection Bureau (CFPB) officially recommends comparing at least three to five mortgage lenders before choosing one. An independent broker accomplishes this in a single application. Additionally, under FICO scoring models, multiple hard credit inquiries for mortgage purposes within a 45-day window are typically treated as a single inquiry, as documented by myFICO.com. Rate shopping doesn’t have to hurt your credit if done correctly.
The table below illustrates how a 0.25% rate difference affects a $350,000 loan over 30 years. These figures are illustrative only. Rates change daily. Contact for current rates.
Illustrative Rate Payment Table — $350,000 Loan, 30-Year Fixed
Rate | Monthly P&I | Total Interest Paid (30 Years)
6.00% | ~$2,098/month | ~$405,280
6.25% | ~$2,156/month | ~$426,160
6.50% | ~$2,213/month | ~$447,680
6.75% | ~$2,271/month | ~$469,560
7.00% | ~$2,329/month | ~$488,440
The difference between a 6.00% and 7.00% rate on this loan is approximately $231 per month, or roughly $83,160 over the life of the loan. That’s the cost of accepting the first offer instead of shopping. Understanding how to compare multiple mortgage lenders at once without hurting your credit is one of the highest-value skills a Richmond borrower can develop.
Implementation Steps
1. Work with an independent mortgage broker who has access to wholesale lenders rather than applying at individual retail institutions.
2. Complete a single application that allows the broker to compare pricing across hundreds of lenders simultaneously.
3. Review loan estimates side by side, comparing rate, APR, closing costs, and total cost over time.
Pro Tips
Lenders like C&F Mortgage Corporation, Southern Trust Mortgage, and River City Lending serve Richmond borrowers well within their own product lines. The structural difference is simply that an independent broker shops a wider market. That’s not a criticism of any individual lender. It’s a factual description of how the two models work.
Q&A
Q: Is an independent broker more expensive than going directly to a lender?
A: Not typically. Brokers earn compensation from the wholesale lender, and the wholesale pricing they access is often lower than what retail lenders quote directly to consumers.
Q: How do I know I’m seeing the best rate?
A: Ask for a Loan Estimate from at least two sources and compare the APR, not just the interest rate. The APR reflects the true cost of the loan including fees.
3. Understand Which Loan Type Fits Your Richmond Property Goal
The Challenge It Solves
Choosing the wrong loan type for your situation doesn’t just cost money. It can disqualify you from a purchase entirely or require a larger down payment than necessary. Richmond’s neighborhoods and surrounding counties each present different property types and buyer profiles, and the loan that works for a first-time buyer in Chesterfield County is not necessarily the right fit for an investor in Scott’s Addition.
The Strategy Explained
Loan type selection shapes your rate, down payment requirement, and qualification path. The table below provides a structured comparison of the primary loan types available to Richmond-area borrowers. Richmond-specific context is included where relevant.
Richmond VA Home Loan Comparison Table
Loan Type | Min. Credit Score | Min. Down Payment | Key Use Case | Richmond Context
Conventional | 620 | 3%–5% | Primary residence, investment | Most common in established neighborhoods; conforms to $806,500 limit in 2026. Review the full breakdown in our conventional loan Richmond VA guide for 2026 qualification details.
FHA | 500 (10% down) / 580 (3.5% down) | 3.5%–10% | First-time buyers, lower credit | Strong option in Henrico, Chesterfield; per HUD guidelines
VA | No official minimum | 0% | Active duty, veterans, surviving spouses | Highly relevant near Fort Gregg-Adams (Prince George County); no PMI
USDA | Typically 640 | 0% | Rural/suburban eligible areas | Verify eligibility at usda.gov/rural-development; Hanover, Goochland, outer Chesterfield may qualify
Bank Statement | Varies by lender | Typically 10%–20% | Self-employed borrowers | Uses 12–24 months of bank statements; not available at most retail banks
HELOC / Cash-Out Refi | Varies | N/A (equity-based) | Equity access | Bank Statement HELOC available; cash-out to 90% LTV with portfolio lenders
Note: Credit score minimums reflect agency guidelines where applicable. Lender overlays may apply. Verify current program requirements before applying.
Implementation Steps
1. Define your property goal clearly: primary residence, investment property, refinance, or equity access.
2. Identify your credit score range, income documentation type, and available down payment.
3. Match those factors to the loan type column above and confirm USDA eligibility if your target area is in outer Hanover, Goochland, or Chesterfield County. Our USDA loan Richmond VA guide walks through the eligibility verification process step by step.
Pro Tips
VA loan benefits are among the most powerful tools available to Richmond-area veterans and active duty service members, particularly those connected to Fort Gregg-Adams. No down payment, no private mortgage insurance, and competitive rates make this program worth exploring even if a borrower has been told they don’t qualify elsewhere. Always verify current VA loan details at va.gov.
Q&A
Q: Can I use a VA loan to buy an investment property in Richmond?
A: VA loans are designed for primary residences. However, a veteran can purchase a multi-unit property (up to four units) using a VA loan if they occupy one unit as their primary residence.
Q: What is the 2026 conforming loan limit for Richmond?
A: The 2026 conforming loan limit for most Virginia counties is $806,500. Loans above this amount require jumbo financing, which has different qualification criteria.
4. Convert a Bank or Credit Union Turndown Into an Approval
The Challenge It Solves
A denial letter from a local bank or credit union feels final. But in most cases, it isn’t. Banks and credit unions apply what are called internal overlays, which are restrictions that go beyond the minimum agency guidelines. A borrower who doesn’t fit a bank’s internal template may be declined even when they technically qualify under FHA, VA, or conventional program rules.
The Strategy Explained
Independent brokers with access to non-QM (non-qualified mortgage) and portfolio lenders operate under different underwriting frameworks. These lenders evaluate borrowers individually rather than applying rigid overlays. Common turndown scenarios that often have approval paths through a broader lender network include:
Self-Employed Income: Banks typically require two years of tax returns showing consistent income. If your business has grown significantly or your write-offs reduce your taxable income, a bank’s income calculation may not reflect your actual cash flow. Bank statement loans use 12 to 24 months of deposits to calculate qualifying income instead.
Lower Credit Scores: A bank may have an internal minimum of 660 or 680 even though FHA guidelines allow scores as low as 500. A broker with access to FHA lenders who honor the agency minimum rather than applying overlays can often find an approval path.
Complex Income Situations: Rental income, 1099 income, commission-based earnings, and recent job changes can all create challenges at retail institutions. Portfolio lenders evaluate the full picture rather than fitting borrowers into a single income template. Self-employed Richmond buyers can explore the full range of options in our self-employed mortgage Richmond VA guide.
Implementation Steps
1. Obtain a copy of your denial letter and identify the specific reason for the turndown.
2. Bring that letter to an independent broker who can review your file against a broader set of lender guidelines.
3. Ask specifically about non-QM and portfolio lender options if your situation involves self-employment, credit score, or income complexity.
Pro Tips
Richmond borrowers who have been declined by institutions like United Bank or local credit unions often find that the denial was a product-fit issue, not a permanent disqualification. The lender said no. The loan type or lender network may still say yes.
Q&A
Q: What is a portfolio lender?
A: A portfolio lender keeps loans on their own books rather than selling them to Fannie Mae or Freddie Mac. Because they’re not bound by agency guidelines, they can create custom underwriting criteria for borrowers who don’t fit conventional templates.
Q: Does a bank turndown affect my ability to get approved elsewhere?
A: No. A denial from one lender does not appear on your credit report as a negative item. Only the hard inquiry from the application itself appears, and that impact is typically minor.
5. Use the Breakeven Formula Before Refinancing or Paying Points
The Challenge It Solves
Refinancing without running the numbers first is one of the most common and costly mistakes Richmond homeowners make. A lower rate sounds appealing, but if you’re paying closing costs to get there, you need to know how long it takes to recover those costs through monthly savings. Without that calculation, you may refinance into a lower rate and then sell or move before you break even, effectively paying thousands of dollars for no benefit.
The Strategy Explained
The breakeven formula is straightforward: divide your total closing costs by your monthly payment savings. The result tells you how many months it takes to recover the cost of refinancing. Richmond homeowners evaluating their options should also review current Richmond VA refinance rates to understand where the market stands before committing to a new loan.
Worked Breakeven Example (Illustrative Only — Rates change daily. Contact for current rates.)
Loan amount: $400,000
Current rate: 7.00% | New rate: 6.50%
Current P&I payment at 7.00%: approximately $2,661/month
New P&I payment at 6.50%: approximately $2,528/month
Monthly savings: approximately $133/month
Total closing costs: $4,500
Breakeven calculation: $4,500 ÷ $133 = approximately 33.8 months (about 2 years and 10 months)
If you plan to stay in the home for at least three years, this refinance makes financial sense. If you’re likely to sell or refinance again within two years, the closing costs exceed the savings and the refinance does not benefit you.
The same logic applies to buying discount points to lower your rate. Each point costs 1% of the loan amount. Run the same breakeven calculation to determine whether the upfront cost is worth the long-term savings given your expected time in the home.
Illustrative Only — Rates change daily. Contact for current rates.
6.00% | ~$2,098/month P&I
6.25% | ~$2,156/month P&I
6.50% | ~$2,213/month P&I
6.75% | ~$2,271/month P&I
7.00% | ~$2,329/month P&I
Implementation Steps
1. Gather your current loan balance, interest rate, and remaining term.
2. Obtain a Loan Estimate showing the proposed new rate and total closing costs.
3. Calculate: Total Closing Costs ÷ Monthly Payment Savings = Breakeven in Months.
4. Compare that number to how long you realistically plan to remain in the property.
Pro Tips
Some lenders, including CapCenter, are known for low or no closing cost refinance structures. These can shift the breakeven calculation significantly. Ask any lender to show you the breakeven math in writing. If they won’t, that’s a signal to ask more questions.
Q&A
Q: Should I always refinance when rates drop?
A: Not automatically. Run the breakeven calculation first. If your expected time in the home is shorter than the breakeven period, the refinance costs more than it saves.
Q: What closing costs should I expect on a refinance in Virginia?
A: Closing costs on a refinance in Virginia typically include lender fees, title insurance, recording fees, and prepaid items. Total costs vary by loan size and lender. Request an itemized Loan Estimate and compare across at least two sources before proceeding.
6. Leverage Cash-Out Options to 90% LTV for Richmond Homeowners
The Challenge It Solves
Richmond homeowners have built meaningful equity over the past several years. But most conventional cash-out refinance programs cap borrowing at 80% of the home’s value, per Fannie Mae guidelines. On a $300,000 home, that means maximum equity access of $240,000 minus your existing loan balance. For homeowners who need more, the standard conventional path leaves equity locked up with no way to access it.
The Strategy Explained
Portfolio and non-QM lenders can extend cash-out refinances to 90% loan-to-value (LTV) in certain situations. That additional 10% can represent a meaningful difference in the amount of equity a homeowner can access for home improvements, debt consolidation, or investment purposes. Richmond homeowners weighing their options should compare the full cash-out refinance Richmond process against HELOC alternatives before deciding which structure fits their financial goals.
A Bank Statement HELOC provides a separate equity access path for self-employed borrowers who cannot document income through traditional W-2s. This product uses bank statement income verification rather than tax returns.
Illustrative Cash-Out Comparison Table — $300,000 Home Value
Illustrative Only — Rates change daily. Contact for current rates. Actual LTV limits vary by lender and program.
LTV Cap | Max Loan Amount | Existing Balance Example | Max Cash Available
80% LTV (Conventional) | $240,000 | $180,000 | ~$60,000
90% LTV (Portfolio/Non-QM) | $270,000 | $180,000 | ~$90,000
The difference between 80% and 90% LTV on this example is $30,000 in additional equity access. The tradeoff is typically a higher interest rate at 90% LTV compared to 80% LTV. Running the full cost comparison across both options helps you determine whether the additional access justifies the rate difference for your specific situation.
Implementation Steps
1. Obtain a current appraisal or broker price opinion to establish your home’s market value.
2. Calculate your current LTV by dividing your existing loan balance by the home’s value.
3. Compare cash-out options at 80% and 90% LTV, including rate, payment, and total interest cost over your expected holding period.
4. If you’re self-employed, ask specifically about the Bank Statement HELOC as an alternative equity access tool. Our guide to Richmond VA cash-out HELOC options explains how to access equity without resetting your existing mortgage rate.
Pro Tips
Henrico County median home values have been tracking in the $390,000 to $430,000 range in recent periods. At those values, the difference between 80% and 90% LTV cash-out can represent $39,000 to $43,000 in additional accessible equity. That’s a significant figure worth exploring if you have a specific use for the funds.
Q&A
Q: Does a 90% LTV cash-out refinance require mortgage insurance?
A: It depends on the lender and program. Conventional loans above 80% LTV typically require PMI. Portfolio and non-QM lenders may structure the loan differently. Ask for a full cost breakdown before deciding.
Q: What’s the difference between a cash-out refinance and a HELOC?
A: A cash-out refinance replaces your existing mortgage with a new loan at a higher balance. A HELOC is a separate line of credit secured by your home equity that doesn’t replace your first mortgage. Each has different rate structures, repayment terms, and qualification criteria.
7. Get Prequalified Online Without Slowing Down Your Home Search
The Challenge It Solves
Richmond’s competitive neighborhoods move quickly. Church Hill, Carytown, the Midlothian corridor, and many Henrico County communities regularly see multiple-offer situations. A buyer who isn’t prequalified before starting their search is already at a disadvantage. By the time you get your documents together and wait for a lender response, the property you wanted may already be under contract.
The Strategy Explained
Prequalification and preapproval are not the same thing, and understanding the difference matters in a competitive market.
Prequalification is an initial assessment of your borrowing capacity based on information you provide. It’s fast, often available online, and gives you a working budget. When done with a soft pull, it carries no credit impact. Richmond buyers can complete the full mortgage prequalification without affecting their credit score using a NoTouch review before speaking with any lender.
Preapproval involves a full credit review, income documentation, and underwriting evaluation. A preapproval letter carries significantly more weight with sellers and listing agents because it reflects a more thorough review of your financial profile.
Sellers in competitive Richmond neighborhoods respond to buyers who demonstrate financial readiness. A preapproval letter from a lender known for fast close times is more compelling than a prequalification from an unknown platform. Speed to close is a real competitive variable. When a financed offer can close in a compressed timeline, it becomes more competitive against other financed buyers and sometimes even against cash offers in certain situations.
Implementation Steps
1. Complete an online prequalification using a soft-pull NoTouch Credit review to understand your budget without credit impact.
2. Gather income documentation, bank statements, and tax returns so you can move to full preapproval quickly when you find a property.
3. Ask your lender explicitly about their average close timeline and what they need from you to maintain it. Buyers who want to understand the full fastest mortgage closing strategies in Richmond can use that knowledge to strengthen their offers in competitive situations.
Pro Tips
National platforms like Rocket Mortgage offer online prequalification, but their close timelines and program flexibility vary. An independent broker who can move quickly across multiple lenders and has a track record of fast closes in the Richmond market is often a stronger partner when you’re competing for a property in a desirable neighborhood.
Q&A
Q: How long does preapproval take?
A: With complete documentation, a preapproval can often be completed within 24 to 48 hours. Having your documents organized in advance is the single biggest factor in speed.
Q: Does preapproval guarantee I’ll get the loan?
A: No. Preapproval is subject to a satisfactory appraisal, title review, and confirmation that your financial situation hasn’t changed between preapproval and closing. It is not a commitment to lend.
8. Build a Referral Network That Keeps Your Loan Pipeline Moving
The Challenge It Solves
Richmond Realtors and real estate investors know that a slow or unpredictable lender can derail a transaction. When a loan doesn’t close on time, everyone loses: the buyer, the seller, the agent, and the investor. The lender relationship you choose as a professional in the Richmond market directly affects your ability to negotiate on behalf of clients and close deals efficiently.
The Strategy Explained
A mortgage partner with consistent close times, broad program access, and clear communication creates a measurable advantage for Realtors and investors who refer clients regularly. Three structured programs are worth understanding as educational tools:
Realtor Referral Program: Realtors who refer clients to a trusted mortgage partner benefit from consistent, predictable close timelines and a lender who can handle a wide range of buyer profiles. When a buyer’s financing falls through, it reflects on everyone involved. A lender with access to hundreds of lenders and non-QM options has more tools to find approval paths that a single-product retail lender cannot offer.
Rental Referral Rewards: Real estate investors in Richmond’s rental market, particularly those expanding in Scott’s Addition, Manchester, or outer Henrico County, benefit from a lender who understands DSCR loans, bank statement income, and investment property financing. A referral relationship with a lender who specializes in these products keeps the investor’s pipeline moving without having to re-educate a new lender on each transaction.
Homes for Heroes: This is a national program that provides savings to eligible heroes including military service members, first responders, teachers, and healthcare workers when buying or selling homes. Richmond has a significant population of eligible heroes, particularly given the proximity to Fort Gregg-Adams. Verify current program details and eligibility at homesforheroes.com.
Implementation Steps
1. Identify whether your clients or referral sources include military, first responder, teacher, or healthcare worker populations who may benefit from Homes for Heroes.
2. Establish a relationship with a mortgage partner who can handle diverse loan types and close consistently, not just one who offers the lowest advertised rate.
3. Communicate close timeline expectations upfront on every transaction so all parties can plan accordingly.
Pro Tips
Richmond homebuyers who encounter Colonial 1st Mortgage in online search results or directory listings should verify current licensing status before making contact. The Better Business Bureau lists this business as out of business, their domain no longer resolves to a functioning mortgage company website, and their most recent Yelp review dates to 2017. Always verify any lender’s current licensing at nmlsconsumeraccess.org before submitting an application.
Q&A
Q: What is a DSCR loan and who uses it in Richmond?
A: A Debt Service Coverage Ratio (DSCR) loan qualifies the borrower based on the rental income of the property rather than the borrower’s personal income. It’s commonly used by real estate investors who own multiple properties or whose personal income documentation doesn’t reflect their investment capacity.
Q: How do I verify a lender’s license in Virginia?
A: Visit nmlsconsumeraccess.org and search by the lender’s name or NMLS number. This is the official national registry for mortgage licensing and is the most reliable way to confirm a lender is currently licensed to operate in Virginia.
Putting It All Together: Your Richmond VA Home Loan Action Plan
Securing the right home loan in Richmond isn’t about luck. It’s about strategy, sequence, and knowing which tools are available to you before you walk into any conversation.
Start with a NoTouch Credit review to understand your position without risking your score. Then shop across hundreds of lenders at once instead of accepting the first offer you receive. Match your loan type to your specific property goal, whether that’s a primary residence in Henrico County, a VA purchase near Fort Gregg-Adams, or a USDA-eligible property in outer Goochland County.
If you’ve been turned down by a bank or credit union, know that a broader lender network often finds a path forward through non-QM and portfolio options. Run the breakeven math before refinancing or paying points. Explore high-LTV cash-out options if you need equity access beyond the conventional 80% cap. Get prequalified quickly so you’re competitive in Richmond’s active neighborhoods. And build relationships with professionals who can keep your transactions moving efficiently and consistently.
Each of these strategies works independently. Combined, they represent the most informed approach a Richmond borrower can take in 2026.
Ready to put these strategies to work? Get prequalified today with no credit impact, no hard pull, and access to hundreds of lenders through a single application.
Frequently Asked Questions
Q: Who is the best mortgage broker in Richmond, VA?
A: The best mortgage broker for your situation is one who has access to a wide range of lenders and loan programs, can close quickly, and communicates clearly throughout the process. Verify any broker’s NMLS license at nmlsconsumeraccess.org before applying.
Q: How do I get pre-approved for a mortgage in Richmond without hurting my credit score?
A: Start with a soft-pull NoTouch Credit review using Vantage Score 4.0. This gives you mortgage eligibility information without triggering a hard inquiry. When you’re ready to move to full preapproval, multiple hard inquiries within a 45-day window are typically treated as a single inquiry under FICO scoring models.
Q: What are the best mortgage rates in Richmond right now?
A: Mortgage rates change daily and vary based on loan type, credit score, down payment, and property type. The CFPB recommends comparing at least three to five lenders. An independent broker who shops hundreds of lenders simultaneously gives you the broadest rate comparison available in a single application.
Q: Can I get a home loan in Richmond with a 580 credit score?
A: Yes. FHA loans allow credit scores as low as 580 with a 3.5% down payment, per HUD guidelines. Scores as low as 500 may qualify with a 10% down payment. Some non-QM programs have different criteria. A soft-pull credit review will show you which programs are available based on your specific score.
Legal Disclaimer: Loan programs and rates are subject to change without notice. Not all applicants will qualify. All rate and payment figures in this article are illustrative only and do not represent a commitment to lend or a guarantee of terms. Programs available in VA, FL, TN, and GA only. This content is for educational purposes only and does not constitute financial advice or a commitment to lend. Verify all program details and lender licensing before applying.
Duane Buziak, Mortgage Maestro | NMLS: 1110647 | Licensed in VA · FL · TN · GA | VA Broker of the Year 2024-2025 | Top 1% Nationwide | Coast2Coast Mortgage | DuaneBuziakMortgageMaestro.com | (804) 212-8663