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Tag: First Time Home Buyer Virginia

Mortgage Without Credit Hit: Soft Pull Options in Church Hill

You can explore a mortgage without credit hit by starting with a soft credit pull, which lets a broker review your file and quote real options without lowering your score. This guide uses Church Hill as the example to explain what a soft-pull preview can and cannot tell you, and when a hard inquiry eventually happens.

7 Ways to Use First Time Homebuyer Programs With No Income Limit

Many Richmond buyers assume high earnings rule out assistance, but income caps belong to specific programs, not homebuying in general. This guide by Duane Buziak (NMLS #1110647) walks through seven ways to use first time homebuyer programs with no income limit, starting with a soft credit pull pre-approval, with details sourced from HUD.gov.

Mortgage Rates in Short Pump, VA: What Shapes Your Rate

Mortgage rates in Short Pump, VA follow the national market and are then adjusted for loan type, credit, down payment, and property use rather than neighborhood. Duane Buziak, NMLS #1110647, explains how the 2026 conforming loan limit shapes pricing for western Henrico homes, which programs tend to fit, and how to compare offers without a hard credit inquiry.