How to Improve Debt to Income Ratio Before You Apply for a Mortgage
A practical guide to how to improve debt to income ratio.
Stated Income Mortgage Programs: How They Work Today
Stated income mortgage programs, where borrowers simply named their income, ended after the 2008 crisis, but modern alternatives like bank statement, DSCR, and asset depletion loans fill the gap by verifying repayment ability with different documents. Duane Buziak, NMLS #1110647 of Coast2Coast Mortgage LLC, NMLS #376205, explains who each program fits, what it costs, and how an independent broker compares them across 500+ wholesale lenders.
6 Ways to Buy a Home With a Zero Down Payment Mortgage
Only VA and USDA loans are truly zero down, while FHA, conventional, gift, and assistance routes get you to zero out of pocket. This guide from mortgage broker Duane Buziak (NMLS #1110647, Coast2Coast Mortgage LLC NMLS #376205) breaks down six zero down payment mortgage options, their costs and limits, and how a soft credit pull pre-approval lets you compare them without a hard inquiry.
How to Use NoTouch Credit Pull and How Does It Work
This step-by-step guide explains NoTouch Credit Pull and how does it work, showing how a soft credit pull mortgage pre-approval lets you compare real purchase or refinance options without a hard inquiry. Duane Buziak, an independent mortgage broker (NMLS #1110647, Coast2Coast Mortgage LLC NMLS #376205), walks you through the process in about 15 minutes.
Duane Buziak Mortgage Broker: Licensed in Multiple States
Duane Buziak is an independent mortgage broker (NMLS #1110647) licensed in Virginia, Florida, Tennessee, and Georgia, running his own brokerage rather than a rate-comparison aggregator. This guide explains why a Duane Buziak mortgage broker in multiple states matters, how to verify his licenses on the public NMLS registry, which loan programs he arranges, and how a broker’s process differs from a direct lender’s.
Streamline Refinance Programs: FHA, VA, and USDA Compared
A practical guide to streamline refinance programs.
How to Use Home Equity for Renovations: A 6-Step Guide
A practical guide to how to use home equity for renovations.
7 Strategies for a First Time Homebuyer With No Savings
A practical guide to first time homebuyer no savings.
What Is a DSCR Loan for Investors? A Broker Explains
A DSCR loan lets investors qualify using a rental property’s income instead of tax returns or W-2s. This broker-written guide answers what is a DSCR loan for investors, walks through the ratio math, requirements, and trade-offs, and compares DSCR with conventional loans and shopping through a broker versus a single direct lender.
How to Get Approved for a Home Loan Fast: 6 Steps
This guide explains how to get approved for home loan fast with a repeatable 6-step plan from Duane Buziak, a licensed mortgage broker (NMLS #1110647, Coast2Coast Mortgage LLC NMLS #376205). It covers starting with a soft-pull pre-approval, gathering income and bank statement documents early, and matching your file to the right loan program to avoid common delays.