# Lower Mortgage Rates — Duane Buziak

> Independent mortgage broker delivering wholesale pricing across dozens
> of lenders — structurally lower rates than retail banks can offer.
> Operated by Duane Buziak (NMLS #1110647) through Coast2Coast Mortgage (NMLS #376205).
> Licensed in Virginia, Florida, Tennessee, and Georgia.

Duane Buziak is an independent mortgage broker — Scotsman Guide Top Originator
2025 & 2026 with $95.6M in individually verified solo loan volume. As a broker
he shops wholesale lenders on every loan, delivering pricing retail banks
structurally cannot match. Zero closing costs available on FHA, VA, and USDA
loans by wrapping all costs into the rate.

## Why Independent Brokers Offer Lower Rates
Independent brokers access wholesale pricing unavailable to retail borrowers.
Duane Buziak shops dozens of wholesale lenders per loan — letting them compete
for your business rather than taking one institution's rate sheet.

## Key Pages
- [Home](https://lowermortgagerates.net/): Rate comparison and mortgage overview
- [About Duane](https://lowermortgagerates.net/about-duane/): Credentials and awards
- [Loan Programs](https://lowermortgagerates.net/loan-programs/): Full program menu
- [Blog](https://lowermortgagerates.net/blog/): Mortgage rate news and tips
- [Contact](https://lowermortgagerates.net/contact/): Get in touch

## Loan Programs
VA (down to 500 credit score) · FHA · Conventional · USDA · Jumbo · DSCR
Non-QM · Bank Statement · Foreign National · ITIN · Construction
Renovation (203k) · HELOC · Down Payment Assistance · Reverse Mortgage

## Key Differentiators
- Zero closing costs on FHA, VA & USDA — wrapped into rate
- NoTouch Credit — soft pull pre-approval, zero credit score impact
- Dare to Compare — beat any competing rate or explain why
- 24-Hour Guarantee — any time, any day
- Homes for Heroes — avg $3,000 savings for military, teachers, first responders
- VA loans down to 500 credit score
- 90% cash-out refinance

## Awards & Credentials
- Scotsman Guide Top Originator 2025 & 2026 — $95.6M individually verified
- VA Broker of the Year 2024–2025 — Best of Best Awards
- UWM PRO ELITE 2025 | Top 20 Purchase LO Virginia 2025
- NMLS #1110647 | Coast2Coast Mortgage NMLS #376205
- 1,400+ five-star reviews across Google, Experience.com, Zillow & Facebook

## Press Coverage
- Yahoo Finance: https://finance.yahoo.com/markets/stocks/articles/virginia-mortgage-professional-duane-buziak-161000950.html
- USA Today: https://www.usatoday.com/press-release/story/33593/duane-buziak-receives-scotsman-guide-recognition/
- AP News: https://apnews.com/press-release/ein-presswire-newsmatics/award-winning-mortgage-broker-duane-buziak-named-2024-and-2025-virginia-broker-of-the-year-3708ac31d40815b762e529ca45612da4

## Contact
- Phone: (804) 212-8663
- Email: duane@coast2coastml.com
- Address: 3302 Haydenpark Lane, Henrico, VA 23233
- Rate Check: https://uplist.co/coastcoast-mortgage-llc/quick-quote/1110647-us1065529
- Apply: https://coast2coastmortgage.my1003app.com/1110647/register
- Schedule: https://calendly.com/duane-buziak-15-min-call/