Tag: VA Home Loan Specialist

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.