Compare wholesale rates across all 11 licensed states (VA, FL, TN, GA, DC, NC, SC, MD, TX, KY, WV) for Purchase, Refinance, VA, & FHA loans. Direct wholesale pricing with zero retail bank markups.
Instant rate search across wholesale lender networks
Sample wholesale mortgage rates based on standard industry market averages across our 11 licensed states. Custom pricing depends on credit, LTV, and loan structure.
Disclaimer: Rates displayed above represent sample market averages for illustrative purposes only based on a 740+ credit score with a 20% down payment on a primary single-family residence. Actual interest rates, APRs, and loan terms vary daily and depend on individual borrower eligibility, property location, soft credit verification, and final underwriting approval. This does not constitute an offer or commitment to lend. Licensed in VA, FL, TN, GA, DC, NC, SC, MD, TX, KY, WV.
NMLS #1110647 • Licensed Loan Originator
Coast2Coast Mortgage, LLC (NMLS #376205)
253+ Verified Reviews • 68 LinkedIn Recs
Scotsman Guide Top #114 Originator
VA, FL, TN, GA, DC, NC, SC, MD, TX, KY, WV
Direct Wholesale Access Across Regional Lenders
VA Broker of the Year
Innsbrook Business of the Year
Direct wholesale access backed by Duane Buziak Mortgage Maestro's expert guidance.
Compare top options from hundreds of wholesale lenders in minutes.
Compare mortgage rates side by side and secure direct wholesale pricing today.
Call Duane directly anytime — get unhurried, expert loan guidance.
Trusted by hundreds of homebuyers across all 8 licensed states.
With over a decade of banking experience serving as Assistant Vice President across 5 major financial institutions, Duane transitioned to independent mortgage brokering in 2015 to provide 100% unbiased client guidance across 11 licensed states (VA, FL, TN, GA, DC, NC, SC, MD, TX, KY, WV).
From initial soft-pull to key handover — fast, transparent, and guided by Duane Buziak Mortgage Maestro.
Duane's NoTouch Credit process uses a soft credit pull with zero score impact. Get your pre-qual letter instantly after answering a few basic questions.
Compare live rate options side-by-side from hundreds of wholesale lenders. "Bring Me Your Best Deal" — Duane actively works to match or beat competitor offers.
Receive your official Loan Estimate and Home Loan Toolkit for complete pricing transparency and zero hidden surprises upfront.
Provide verbal or written intent to proceed to initiate document collection (income proof, bank statements, rental history tailored to loan type).
Complete full approval processing (minus appraisal/title). Gives you strong cash-buyer style negotiating power with sellers.
Final loan approval, signing closing documents, and receiving your keys with complete peace of mind.
Access wholesale rates, transparent terms, and rapid digital approvals guided by Duane Buziak Mortgage Maestro.
End-to-end guidance from pre-qualification to key exchange—tailored for first-time buyers and investors.
Get Pre-Approved →Lower monthly obligations, shorten repayment terms, or extract home equity with custom structures.
Compare Refi Rates →Unlock equity without touching your primary rate—automated approvals and underwriting in minutes.
Check HELOC Limit →Diverse lending options under one roof: Conventional, FHA, VA, USDA, Jumbo, and Non-QM products.
Explore Options →Direct collaboration with top real estate professionals across Richmond, Glen Allen, and regional areas.
Partner Connect →Integrated hazard and homeowners coverage estimates aligned directly with your closing timeline.
Bundle & Save →Tailored lending solutions designed for your unique financial landscape — backed by direct wholesale access with Duane Buziak Mortgage Maestro.
Ideal for buyers with good credit and stable income — competitive rates, flexible 10/15/30/40-year terms.
Check Rates →Government-insured, lower down payment — built for first-time buyers or those with lower credit scores.
Check Eligibility →For veterans and active-duty service members — no down payment, no PMI, reduced closing costs.
Explore Benefits →Finance luxury or high-value homes beyond conventional loan limits, with down payments as low as 10–20%.
View Jumbo Limits →For self-employed borrowers, investors, or those with non-traditional income — qualify outside standard guidelines.
Alternative Income →Combine your home purchase and renovation costs into a single, streamlined loan.
Renovation Options →Access your home equity fast — approvals in as little as 5 minutes with our digital HELOC process.
Instant HELOC →Find out what you qualify for — without impacting your credit score, costing you anything, or causing any stress with Duane Buziak Mortgage Maestro.
Our NoTouch Credit process uses a soft pull — we protect your credit score completely.
No upfront fees — quick, transparent answers to help you move forward with total confidence.
Get a clear view of your buying power in minutes without paperwork or pressure.
Share your best offer — Duane Buziak will actively work to match or beat competitor offers with wholesale terms.
Gather your current Loan Estimates or official rate quotes.
Send over the official loan breakdown securely for audit.
Unlock wholesale pricing with reduced lender fees and better terms.
Branch Leader, Mortgage Advisor & Founder
With 15+ years of mortgage industry experience, Duane has helped homebuyers, veterans, investors, and first-time buyers across Virginia, Florida, Georgia, and Tennessee secure the right loan — fast, transparent, and stress-free.
Duane began his mortgage career in 2015 after over a decade in banking, serving as Assistant Vice President at five different banks. He chose independent brokering because he believes clients deserve unbiased guidance — unfettered choices and near-limitless options, without being tied to a single lender's rates.
Clients deserve unbiased guidance — unfettered choices, near-limitless options.
— Duane Buziak
VA Broker
of the Year
Brokers
Nationwide
Closed Loans
in 2026
Elite Top
Tier Status
Real results, verified by independent industry sources — not just claims on a page.
We shop hundreds of wholesale lenders, not just one bank's rates — meaning lower rates and more options for you.
Every application starts with a soft credit pull — explore your options without hurting your score.
2024 & 2025 Virginia Broker of the Year, UWM PRO ELITE status, Top 20 Purchase Loan Officer in VA.
Multiple client reviews confirm closings in under 4 weeks, with clear communication throughout.
Requirements vary by loan type: Conventional loans typically require a 620+ score, FHA loans start at 580 for maximum financing, and VA loans offer flexible options (often 580-620+ depending on the wholesale lender). We review your full financial profile to find the best fit.
Our signature NoTouch Credit process uses a soft credit pull to check your eligibility. This allows Duane Buziak to review your credit profile, structure options, and provide accurate rate quotes without placing hard inquiries on your credit report or lowering your score.
Traditional banks only offer their own retail loan products and interest rates. As an independent broker, Duane shops dozens of wholesale lenders simultaneously to secure wholesale pricing, lower rates, and better loan terms tailored to your needs.
Once all required income and asset documents are submitted, most pre-approvals are issued within 24 to 48 hours. Fast turnarounds keep your purchase offers competitive in high-demand markets.
Standard documents include recent pay stubs (30 days), 2 years of W-2s or tax returns, bank statements (60 days), and a government-issued ID. Self-employed borrowers or investors may require P&L statements or bank statements under Non-QM guidelines.
Yes, getting pre-qualified before house-hunting is strongly recommended. It establishes a clear, realistic purchase budget and proves to sellers and real estate agents that you are a fully vetted, serious buyer.
Yes! We offer 0% down VA loans (for eligible veterans), 0% down USDA loans (for rural properties), 3.5% down FHA options, and 3% down Conventional programs alongside down payment assistance solutions.
Simply send your official Loan Estimate or rate quote to Duane. As a wholesale broker, he will audit the fee structure and leverage wholesale market pricing to match or beat your current deal with lower rates or reduced closing costs.
Debt Service Coverage Ratio (DSCR) loans are Non-QM programs designed for real estate investors. Qualification is based on the property's rental income rather than personal tax returns or W-2 income.
Through our automated platform (DigitalHelocs.com), digital HELOC applications can receive automated underwriting decisions and approvals in as little as 5 minutes, with funding delivered in days.
Duane Buziak provides expert mortgage guidance and wholesale loans across Virginia, Florida, Georgia, and Tennessee (NMLS #1110647 / Company NMLS #376205).
None. Pre-qualification and soft credit checks are 100% free with zero obligation. All closing costs and wholesale fee structures are fully itemized and disclosed transparently upfront.
Definitely — many buyers cross-check with Mortgage Rate Hawk and Free Mortgage Search to see how rates are trending across different platforms.
Line up the numbers side by side using Loan Estimate Optimizer, a free tool that breaks down rate, fees, and closing costs clearly.
Lower.com originates loans through PowerTPO in the wholesale channel. As an independent broker, Duane Buziak has direct access to PowerTPO's underwriting team and pricing — giving borrowers a way to work with the same execution without going through Lower.com's retail structure.
Mortgage Maestro | NMLS #1110647
Coast2Coast Mortgage LLC | Mortgage Shopping
Licensed in: VA, FL, TN, GA, DC, NC, SC, MD, TX, KY, WV
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