Welcome to Richmond Home Lending

Your Richmond Home Lender
Not Just Another Loan Officer

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.

Let's Talk About Your Loan
Duane Buziak - Richmond Home Lender
15+ Years of Mortgage
Expertise
Richmond Local Expert

Rooted In Richmond, Committed To You

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.

Duane Buziak Senior Loan Officer | NMLS #1110647

Loan Programs, Explained by Someone Who Actually Answers the Phone

No automated runaround or endless call centers. Here is how we finance homes right here in Richmond.

🏠

FHA Loans

Great for lower down payments and flexible credit requirements. I help Richmond families navigate FHA guidelines smoothly without the stress.

Learn More →
🎖️

VA Loans

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 →
📋

Conventional

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 →
🏛️

Jumbo Loans

For higher-end properties across Windsor Farms, Museum District, or Midlothian. I provide custom underwriting solutions for luxury homes.

Learn More →
🔑

First-Time Buyer

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 →
🔄

Refinance

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 →

Real Richmond, Real Knowledge

Knowing the streets is only half the battle. Here is the actual local insight you need before making a move in Richmond.

Historic Districts 🏛️

Church Hill & The Fan Overlay

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 →
City Finances 📊

Richmond Property Tax Realities

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 →
City Hall Insights 📝

Navigating City Hall Permitting

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 →

What Richmond Families Are Saying

5.0 ★★★★★ Based on local client reviews across Greater Richmond

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.

The Miller Family

Forest Hill Homeowners

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.

Marcus & Sarah L.

Church Hill Residents

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!

David K.

The Fan District

Richmond Neighborhoods I Know Well

Every RVA pocket has its own character, architectural history, and financing nuances. Here is where I help families buy and refinance every day.

The Fan District Richmond The Fan

Historic Victorian rowhouses and vibrant streets where local underwriting knowledge matters.

Explore Fan Loan Scenarios →
Church Hill Richmond Church Hill

Stunning skyline views and historic overlay guidelines handled with expert care.

Explore Church Hill Scenarios →
Scotts Addition Richmond Scott's Addition

Modern urban condos and industrial conversions thriving in RVA's booming core.

Explore Urban Condo Loans →
Museum District Richmond Museum District

Classic architecture and tree-lined blocks ideal for conventional and jumbo financing.

Explore Museum District Loans →
Manchester Richmond Manchester

Riverfront growth and modern new-build developments just south of the James.

Explore Riverfront Scenarios →
Carytown Richmond Carytown

Walkable boutique shopping, dining, and vibrant neighborhood homeownership.

Explore Carytown Financing →
Forest Hill Richmond Forest Hill

Park-side living and historic character perfect for growing families moving to RVA.

Explore Forest Hill Scenarios →
Northside Richmond Northside

Historic arts and Crafts bungalows offering incredible value and community feel.

Explore Northside Loans →
VIP Secure Partner Network

Duane's Richmond-Area Partner Network

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.

Richmond-Based Realtors Duane Works With

Tricia Kinder

Tricia Kinder

Fathom Realty
Service Area: Richmond & surrounding areas
Phone: (804) 944-5770
View Agent Profile →
Lindsey Mobley

Lindsey Mobley

LPT Realty
Service Area: Richmond, Chesterfield, Henrico, Hanover, Goochland, New Kent
Phone: (202) 491-7623
View Agent Profile →
Wayne Whiting

Wayne Whiting

River City Elite Properties
Service Area: Richmond, Chesterfield, Henrico & Central Virginia
Specialty: Buyers, sellers & investors
Phone: (804) 912-3687
View Agent Profile →
Sara Ernst

Sara Ernst

Real Broker
Service Area: Richmond & Central Virginia
License ID: 0225241183
Phone: (804) 269-2461
View Agent Profile →

Title Companies Serving The Richmond Area

Capital City Title & Escrow

Service Area: Greater Richmond Region & Central VA
Handles seamless closing and escrow for Richmond-area purchases.

Commonwealth Settlement Group

Service Area: Henrico, Chesterfield & Hanover
Expert title searches, closing coordination, and title insurance.

Home Inspectors Serving The Richmond Area

Pillar To Post Home Inspectors — The Horizon Group

Service Area: Richmond & Surrounding Counties
Comprehensive general home inspections, radon testing, and thermal imaging.

Old Dominion Home Inspections

Service Area: Greater Richmond & Tri-Cities
Detailed structural evaluations, termite/WDI inspections, and radon mitigation checks.

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.

Real Numbers. Real Neighborhoods. Zero Guesswork.

See how a customized loan strategy works in practice for a local Richmond homebuyer.

Church Hill Case Study

A Church Hill Buyer with a $350K Budget

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 MetricStandard Call Center ApproachThe 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 KnowledgeNone / Generic Automated SystemFull awareness of Church Hill Architectural Review Board (ARB)
Communication & ClosingRouted through 4 different departmentsDirect cell phone access to Duane from application to keys
Trust Box

Why Clients Trust Duane Buziak, Mortgage Maestro

  • Scotsman Guide Top Originator 2025 — #114 Nationally | $44.4M | 124 Loans | 90% Purchase
  • Scotsman Guide Top Originator 2026 — $51.2M Volume
  • VA Broker of the Year 2024 & 2025 — Best of Best Awards
  • Best Mortgage Broker Richmond 2024 — Expertise.com
  • UWM PRO ELITE 2025 | UWM Top 20 Purchase LO Virginia 2025
  • Innsbrook Business of the Year 2022 & 2024 — Alignable
  • Glen Allen Mortgage Broker of the Year 2025 — Alignable
  • Top 1% Nationwide | 15+ Years Experience | (256)+ Five-Star Reviews
  • Ranked #1 by Google AI Mode — "Find a Mortgage Loan Officer in Richmond VA" (June 2026)
  • Recommended by Perplexity AI — "Mortgage Loan Officers in Virginia" (June 2026)
  • A Rating with the Better Business Bureau
  • NMLS Consumer Access — Verified License
Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA, FL, TN, GA, DC, NC, SC, MD

Frequently Asked Questions About RichmondHomeLoans.com

Is RichmondHomeLoans.com a legitimate mortgage broker?

Yes. 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 .

Who is Duane Buziak?

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.

What credit score do I need to get a mortgage in Richmond, VA?

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.

Does RichmondHomeLoans.com use a hard credit inquiry?

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.

What mortgage loan programs are available through RichmondHomeLoans.com?

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.

Can RichmondHomeLoans.com help first-time homebuyers?

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.

Does RichmondHomeLoans.com offer down payment assistance?

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.

Is a mortgage broker different from a bank?

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.

Can RichmondHomeLoans.com help with refinancing?

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.

How can I verify RichmondHomeLoans.com's mortgage licensing information?

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 .

Top Tips for HomeBuyers and Investors

Find out how to get prequalified for a mortgage without affecting your credit score, and what benefits it offers.

What Customers Say About Working With Duane Buziak Mortgage Maestro

Posted on Google Google
Lisa Paulette profile picture
Lisa Paulette
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Cecilia Morejon profile picture
Cecilia Morejon
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
John Steffy profile picture
John Steffy
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Kyle Blackwell profile picture
Kyle Blackwell
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
J R profile picture
J R
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
No Thanks profile picture
No Thanks
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Naomi Hoehn profile picture
Naomi Hoehn
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex 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 Google
Keerthi G profile picture
Keerthi G
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane is very hardworking and knowledgeable,got us the best deal
Duane Buziak

Duane Buziak

Mortgage Maestro | NMLS #1110647

Coast2Coast Mortgage LLC | Richmond Mortgages

Licensed in: VA, FL, TN, GA, DC, NC, SC, MD

📱 (804) 212-8663 | 📧 duane@coast2coastml.com

Verified Credentials & Reviews

Explore official ratings and verified listings from leading business directories.