Interest Only Mortgage Programs: How They Work and Who Qualifies
Interest only mortgage programs let you pay just the interest for an initial 5 to 10 year window, lowering early payments while the balance stays flat, but the payment jumps when the loan converts to full amortization. This guide by Duane Buziak, NMLS #1110647, explains how the reset works, which non-QM, jumbo, DSCR, and HELOC channels offer these loans, and who qualifies.
7 Strategies for a Mortgage for High Net Worth Individuals
This guide explains seven strategies for securing a mortgage for high net worth individuals whose wealth sits in stock, business income, or investments that standard underwriting misreads. Licensed broker Duane Buziak (NMLS #1110647) of Coast2Coast Mortgage LLC (NMLS #376205) shows how to match your documentation to the right program across 500+ wholesale lenders.
Can Buyers Use Gift Funds for a Home Purchase?
Can buyers use gift funds for a home purchase? Learn donor rules, documentation, down payment options, and credit-safe preapproval steps before offer.
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.
When Should Buyers Lock Rates? A Clear Plan
When should buyers lock rates? Learn how timing, market moves, loan type, and lock terms shape your payment and purchase offer with practical guidance.
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.
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.
7 Strategies for a Conventional Loan vs FHA Loan Comparison
This guide walks through seven strategies for a conventional loan vs fha loan comparison, from reading your credit score and debt-to-income ratio to comparing PMI and MIP costs and getting quotes without a hard credit pull. Licensed mortgage broker Duane Buziak (NMLS #1110647, Coast2Coast Mortgage LLC NMLS #376205) shows buyers which loan fits their profile.
Bank Statement Versus W2 Loans Compared
Compare bank statement versus W2 loans, payments, credit, reserves, and documentation so self-employed buyers can choose a mortgage path with confidence.
Investment Property Financing That Fits Your Plan
Compare investment property financing options, payments, reserves, and credit paths before you buy a rental in VA, FL, TN, or GA with clear confidence now.