Buying a home shouldn’t be overwhelming. With Lower Mortgage Rates, you get instant access to the best mortgage rates, trusted lenders, and personalized guidance—all in one place. Let us simplify the process so you can focus on finding your dream home.
At Lower Mortgage Rates, we believe that securing a mortgage should be simple, transparent, and stress-free. Our goal is to help you find the lowest rates, best terms, and most reliable lenders—all in one place.
With years of experience in the mortgage industry, we guide you step-by-step through the process, ensuring you make informed decisions without the hassle. From first-time buyers to seasoned homeowners, we are committed to helping every client achieve their dream of homeownership.
Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA · FL · TN · GA
At Lower Mortgage Rates, we offer a full range of solutions to make home financing simple and stress-free. Whether you’re buying your first home or refinancing an existing mortgage, we help you find the best rates and terms to fit your needs. Our services include home purchase loans, refinancing options to lower your payments or access equity, mortgage rate comparisons to ensure you get the most competitive deal.
Easily compare real-time mortgage rates from multiple trusted lenders all in one.
Get expert guidance and exclusive rates tailored for first-time homebuyers.
Lower your monthly payments or access home equity with personalized refinancing.
Speed up your home-buying journey with fast and easy mortgage pre-approval tools.
Finding the right mortgage shouldn’t be complicated. At Lower Mortgage Rates, we make it simple, fast, and reliable. Here’s why clients trust us
Discover what you qualify for – with no credit score damage, no cost, and no stress.
We don't run your credit multiple times - we protect it. Your score stays safe.
No fees, no obligations. Just answers - fast and free.
Get a clear view of your buying power in minutes without paperwork or pressure.
Banks sell you their own products at their own margins. Independent brokers like Duane Buziak shop dozens of wholesale lenders simultaneously — accessing pricing that isn't available to retail borrowers or bank loan officers. Wholesale pricing is structurally lower than retail on comparable loan products.
As an independent broker I submit your scenario to multiple wholesale lenders and let them compete for your loan. You get the best available rate across the market rather than whatever one institution decides to offer. I also have a Dare to Compare guarantee — bring any competing offer and I'll beat it or explain exactly why I can't.
On FHA, VA, and USDA loans — yes. I can wrap all closing costs into your rate so you come to closing with zero out of pocket. I also refer realtors to negotiate seller-paid closing costs first. If that fails, I handle it through the rate on government-backed loans.
A soft pull pre-approval that shows you your full buying power — monthly payment analysis, closing cost breakdown, debt-to-income ratio — without a hard inquiry. Your credit score is not affected. Zero risk, real answers.
VA (down to 500 credit score) · FHA · Conventional · USDA · Jumbo · DSCR · Non-QM · Bank Statement · Asset Depletion · Foreign National · ITIN · Construction · Renovation · HELOC · Down Payment Assistance · Reverse Mortgage.
Yes. Scotsman Guide — the industry's gold standard for individual originator rankings — has independently verified $51.2M in 2026 and $44.4M in 2025. Combined: $95.6M. One NMLS number. No team pooling. Publicly accountable figures.
