I'm Duane Buziak, and I've helped families from Church Hill to Carytown find the right home loan — not a call center, a real person who knows this city.
When you're making one of the biggest financial decisions of your life, working with someone who actually understands the geography and heartbeat of your neighborhood changes everything. I didn’t just choose to set up shop in Richmond because it's a great market; I chose it because this city has a unique character—from the historic porches of Church Hill to the vibrant streets of the Fan District—that you can't learn from a cubicle three states away.
For over a decade, I’ve had the privilege of walking local families through the mortgage process, turning what is usually a stressful corporate transaction into a smooth, human experience. What makes me different from "just another lender" at a massive call center is simple: my accountability is right here in RVA. I answer my phone, I know the local appraisers, and I care deeply about the community where my clients put down roots.
No automated runaround or endless call centers. Here is how we finance homes right here in Richmond.
Great for lower down payments and flexible credit requirements. I help Richmond families navigate FHA guidelines smoothly without the stress.
Learn More →Serving those who served. As a local expert, I ensure military buyers around Fort Lee and RVA maximize their 0% down VA benefits.
Learn More →The standard for solid buyers. I’ll help you lock in competitive rates and structure your down payment for the best long-term value.
Learn More →For higher-end properties across Windsor Farms, Museum District, or Midlothian. I provide custom underwriting solutions for luxury homes.
Learn More →Buying your first home in RVA shouldn't feel intimidating. I walk you through grants, local programs, and every single document step-by-step.
Learn More →Looking to lower your monthly payment or tap into your home equity for upgrades? Let's crunch the numbers together to see if it makes sense.
Learn More →Knowing the streets is only half the battle. Here is the actual local insight you need before making a move in Richmond.
Buying in Church Hill or The Fan? Here's what the historic-district overlay means for your renovation plans, exterior changes, and architectural approvals.
Read Historic Guidelines →Richmond's property tax assessment works differently than you might expect — here's what buyers need to know about city rates, reassessments, and budgeting.
Understand RVA Taxes →From permit timelines to historical review committees, City of Richmond permitting quirks can catch buyers off guard. Here is how we stay ahead of them.
See Permitting Tips →Duane helped us buy our first home in Forest Hill. As first-time buyers, we had a million questions, and unlike big online lenders who treat you like a number, Duane took the time to explain every single detail and answered his phone every time we called.
Navigating the historic overlay and financing for our Church Hill renovation project seemed daunting. Duane's local expertise made the mortgage process completely seamless. He truly knows Richmond inside and out.
We wanted a local lender who understood the competitive Fan District market. Duane got our pre-approval sorted lightning fast and helped us secure our dream home without any corporate runaround. Highly recommended!
Every RVA pocket has its own character, architectural history, and financing nuances. Here is where I help families buy and refinance every day.
The FanHistoric Victorian rowhouses and vibrant streets where local underwriting knowledge matters.
Explore Fan Loan Scenarios →
Church HillStunning skyline views and historic overlay guidelines handled with expert care.
Explore Church Hill Scenarios →
Scott's AdditionModern urban condos and industrial conversions thriving in RVA's booming core.
Explore Urban Condo Loans →
Museum DistrictClassic architecture and tree-lined blocks ideal for conventional and jumbo financing.
Explore Museum District Loans →
ManchesterRiverfront growth and modern new-build developments just south of the James.
Explore Riverfront Scenarios →
CarytownWalkable boutique shopping, dining, and vibrant neighborhood homeownership.
Explore Carytown Financing →
Forest HillPark-side living and historic character perfect for growing families moving to RVA.
Explore Forest Hill Scenarios →
NorthsideHistoric arts and Crafts bungalows offering incredible value and community feel.
Explore Northside Loans →Getting a mortgage is one part of the process. Duane works alongside a network of trusted Richmond-area professionals — real estate agents, title companies, and home inspectors — so your file moves smoothly from pre-approval to closing.




Referral partners are independent businesses. Duane Buziak and Coast2Coast Mortgage, LLC do not receive compensation for these referrals unless otherwise disclosed, and borrowers are free to choose any professional they prefer.
See how a customized loan strategy works in practice for a local Richmond homebuyer.
Buying a historic home in Church Hill requires looking beyond the purchase price. With Richmond's median home price hovering around $365,000 in urban historic pockets, a buyer targeting a $350,000 property needs a loan officer who understands both local property taxes and potential historic renovation guidelines.
By structuring this loan through an FHA 203(k) or a tailored conventional portfolio option vetted via guidelines from the U.S. Department of Housing and Urban Development (HUD), we ensure financing covers both acquisition and necessary upgrades.
| Loan Scenario Metric | Standard Call Center Approach | The Duane Buziak RVA Approach |
|---|---|---|
| Purchase Price | $350,000 | $350,000 |
| Down Payment (3.5%) | $12,250 (Basic calculation) | $12,250 + RVA Grant Integration |
| Historic Overlay Knowledge | None / Generic Automated System | Full awareness of Church Hill Architectural Review Board (ARB) |
| Communication & Closing | Routed through 4 different departments | Direct cell phone access to Duane from application to keys |
Want to run the exact numbers for your budget in Church Hill, The Fan, or Forest Hill?
Calculate Your Custom RVA Loan ScenarioYes. RichmondHomeLoans.com is the mortgage brokerage brand of Duane Buziak, NMLS #1110647, operating through Coast2Coast Mortgage LLC, NMLS #376205. Duane is licensed in Virginia, Florida, Tennessee, Georgia, Washington, DC, North Carolina, South Carolina, and Maryland. The office is located at 4860 Cox Rd, Glen Allen, VA 23060.
Consumers can verify Duane Buziak's licensing information directly through NMLS Consumer Access at nmlsconsumeraccess.org .
Duane Buziak is a licensed mortgage professional and the mortgage broker behind RichmondHomeLoans.com. His NMLS number is #1110647, and he helps homebuyers and homeowners explore mortgage and refinance options.
Credit requirements vary by loan program and borrower circumstances. FHA loans may be available with lower credit scores than many conventional programs, while conventional and other mortgage options can have different requirements. A mortgage review can help determine which programs may fit your situation.
RichmondHomeLoans.com offers a NoTouch Credit / soft-pull approach for initial mortgage qualification discussions when available. A soft credit inquiry does not have the same impact as a hard mortgage credit inquiry. The specific credit process depends on the loan and stage of the application.
Loan options can include conventional, FHA, VA, USDA, jumbo, refinance, and other mortgage solutions depending on eligibility. As an independent mortgage broker, Duane can review multiple wholesale lending options to help identify suitable financing.
Yes. First-time buyers can explore mortgage programs, down payment assistance options, credit requirements, and estimated monthly payments. The appropriate program depends on the buyer's financial profile, property, location, and eligibility.
Potentially, yes. Eligible borrowers may have access to down payment assistance programs depending on location, income, property type, and program requirements. Available programs and eligibility should be confirmed during the mortgage review.
Yes. A mortgage broker can work with multiple wholesale lenders rather than being limited to one bank's mortgage products. This can give qualified borrowers access to a broader range of loan programs and pricing options.
Yes. Homeowners can explore refinance options based on their current mortgage, home value, credit profile, goals, and available loan programs. Refinancing may be considered for goals such as changing the loan term, adjusting the payment, or accessing available equity.
You can verify Duane Buziak's mortgage licensing information through NMLS Consumer Access. Duane Buziak's NMLS number is #1110647, and Coast2Coast Mortgage LLC's NMLS number is #376205.
Consumers can verify licensing information directly at nmlsconsumeraccess.org .
Find out how to get prequalified for a mortgage without affecting your credit score, and what benefits it offers.
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Lisa PauletteTrustindex verifies that the original source of the review is Google.
Duane Buziak was a Godsend. With patience and outstanding professionalism, Duane guided me through not only a new home purchase, but navigating an emotional life transition. He is a master who competes with only him self…as he is number 1. He works tirelessly to garner the best interest rate and loan situation. He is respected by his peers and other professionals within his network. I couldn’t have made it through this daunting experience without his encouragement and expertise.Posted on Google![]()
Cecilia MorejonTrustindex verifies that the original source of the review is Google.
Although I had an overwhelming complicated style of income, Duane was a rockstar and made it happen. He dug around and found what worked for me and when lenders complicated the process even more, Duane was on top of things and we worked it out together. Things got done efficiently and neatly. A true master in his field! You can tell he lives and breaths his career and loves what he does. 🙌🙌🙌Posted on Google![]()
John SteffyTrustindex verifies that the original source of the review is Google.
Duane is the real deal Is he over the top…Absolutely! Is he aggressive…Yes! Will he reach out to you as soon as you inquire…you bet!!! And at the end of the day he will use that energy to get you the best deal that fits your needs. We started out working with him almost 3 years ago. We were in a desperate situation. We did not have the necessary history for a conventional mortgage. The company that Duane worked for them did not handle such cases. When he exhausted all available avenues at his disposal, he gave me another contact who handled those cases. While that broker was far from the worker Duane was, he had an angel working for him “Crystal” her hard work and council led us to getting it done… Flash forward to this month. I had always said I would seek Duane when we were able to refinance…our pay history was now sufficient, our credit scores had been pushed up. Duane sends an email. We reconnected. Talking at 10pm ( someone who sleeps less than me) 2am emails ( yes I was up as well) 3 weeks later We just signed our refi loan 3.5% drop Closing was 2 weeks ahead of schedule No glitches! Why Duane knows the business! Duane grinds! Duane listens to what you want! Duane doesn’t push at the end! Thank you Maestro!Posted on Google![]()
Kyle BlackwellTrustindex verifies that the original source of the review is Google.
Duane and his team were amazing! He gets the rates and deals done. Trusted broker, I will recommend him to any in Virginia! Duane I couldn't thank you enough giving me the confidence to be able to close and open a new chapter in my life.Posted on Google![]()
J RTrustindex verifies that the original source of the review is Google.
Duane was super knowledgeable and definitely the best broker I've used–he really fought to get us the best rate possible and kept me in the loop at all times.Posted on Google![]()
No ThanksTrustindex verifies that the original source of the review is Google.
As you can tell by my username I am not a publicity hound. But I have to stop and thank Duane Buziak. I know he is the maestro but I didn't know he also saves money on title fees too. Wow. I compared over 7 different title companies and it wasn't even close. Talk about someone going the extra mile. Best rates lowest fees, and then he sent me a title company that I swear to God charged almost nothing for title fees. Amen. He goes above and beyond anyone. I had purchased 4 homes before this, never had a smoother, easier, less painful experience. And the savings, they are very real. If you are not using Duane Buziak for your mortgage, why?Posted on Google![]()
Naomi HoehnTrustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ I’ve worked with many lenders over the years, but Duane Buziak continues to set the gold standard. I’ve trusted him with countless clients — and recently, I had the pleasure of working with him on my own home purchase. Simply put, Duane is outstanding. He brings a rare combination of deep industry knowledge, creative problem-solving, and genuine care for the people he works with. He doesn’t just get deals done — he gets them done right, with clarity, integrity, and speed. When things got stressful, Duane was the steady hand I needed, always two steps ahead and laser-focused on solutions. Throughout the process, Duane was incredibly responsive (even after hours), always keeping me informed and confident in every step. He explained every detail with patience, offered insightful guidance on financing options, and made sure the entire transaction was smooth and on schedule. As both a real estate professional and a recent client, I can confidently say Duane is the kind of lender every agent wishes they could work with. He’s not just good — he’s a game-changer. I wouldn’t hesitate to recommend him to anyone looking to buy, refinance, or simply understand their options. If you’re lucky enough to work with Duane Buziak, you’re in the best hands.Posted on Google![]()
Keerthi GTrustindex verifies that the original source of the review is Google.
Duane is very hardworking and knowledgeable,got us the best deal

Mortgage Maestro | NMLS #1110647
Coast2Coast Mortgage LLC | Richmond Mortgages
Licensed in: VA, FL, TN, GA, DC, NC, SC, MD
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