September 2, 2025
By duane.buziak@gmail.com

Loan Programs

Home / Loan Programs

The following is a partial list of programs offered by Duane Buziak premium mortgage rate Broker with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 804-212-8663.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Conventional Loans

A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the life. Generally speaking, monthly payments remain constant. Traditionally borrowers are expected to provide a 20 percent down payment though this is not necessarily required

HELOC Loans

A HELOC, or Home Equity Line of Credit, is a type of loan that allows homeowners to borrow money against the equity in their home. Essentially, it’s a revolving line of credit, like a credit card, where you can borrow, repay, and borrow again, up to a certain limit, using your home as collateral…

VA Loans

VA (Veterans Affairs) loans are mortgage loans specifically designed to assist eligible U.S. veterans, active-duty service members, and certain members of the National Guard and Reserves in achieving homeownership. These loans are backed by the U.S. Department of Veterans Affairs, …

FHA Loans

FHA (Federal Housing Administration) loans are government-backed mortgage loans designed to make homeownership more accessible for low to moderate-income individuals and those with less-than-perfect credit. They offer benefits such as low down payments, competitive interest rates…

USDA Loans

USDA (United States Department of Agriculture) loans are government-backed mortgage loans that primarily aim to promote homeownership in rural and suburban areas. These loans offer benefits such as zero down payment requirements, competitive interest rates, and more flexible credit criteria, making them an…

Jumbo Loans

Jumbo loans are a type of mortgage loan designed for purchasing high-value homes that exceed the conventional loan limits set by government-sponsored entities like Fannie Mae and Freddie Mac. They offer the flexibility to finance luxury properties, with competitive interest rates and terms, catering to borrowers…

Reverse Loans

Reverse mortgage loans, also known as reverse equity loans, are only available to homeowners 62 or older. Like its name indicates, this program pays the homeowner either a one-time large payout or monthly installment. Once the loan term expires the house …

DSCR Loans

DSCR (Debt Service Coverage Ratio) loans are specialized financing options primarily used in commercial real estate and investment properties. These loans focus on the property’s ability to generate sufficient income to cover its debt payments, rather than relying solely on

Construction Loans

Construction loans are short-term loans designed to fund the construction or renovation of residential or commercial properties. They provide borrowers with access to funds in stages as the project progresses, reducing the financial

Non-QM Loans

Non-QM (Non-Qualified Mortgage) loans are mortgage products that do not conform to the strict guidelines set by government-sponsored entities like Fannie Mae and Freddie Mac. These loans are typically designed for borrowers who

Bank Statement Loans

Bank Statement Loans offer a flexible solution for self-employed individuals or those with non-traditional income. Instead of tax returns, these loans use your bank deposits to verify income, making them

Refinance Loans

Home Refinance Loans, also known as refinancing, involve replacing an existing mortgage with a new one, typically with different terms or interest rates. Borrowers often pursue refinancing to lower…

Foreign National Loans

Foreign national loans are mortgage loans specifically tailored for individuals who are not U.S. citizens or permanent residents but wish to purchase property in the United States. These loans are designed to provide access to U.S. real estate markets,

Commercial Loans

Commercial loans are financial products designed to support businesses in various ways, including financing property acquisitions, expansion, or working capital needs. They typically offer more significant loan amounts and longer repayment terms compared to

Down Payment Assistance

Down payment assistance (DPA) programs provide financial support to homebuyers who may struggle to come up with the required down payment for a home purchase. These programs can come in the form of these under the…

Fixed Rate Mortgages

A fixed rate mortgage is a home loan with an interest rate that remains constant throughout the life of the loan. This means your monthly payments won’t fluctuate, making it easier to budget and plan for your.

Reverse Mortgage Loans

Reverse mortgage loans are a unique financial product designed primarily for seniors, allowing them to convert a portion of their home equity into cash. This type of loan enables homeowners aged 62 or older to borrow…

Renovation Mortgage Loans

The FHA 203(k) renovation loan is a government-backed mortgage program that allows homebuyers to finance both the acquisition and renovation of a property with a single loan. It’s designed for homes

Frequently Asked Questions

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.

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