Should I Refinance If I Can Lower My Rate Significantly? Here’s How to Run the Math
This article breaks down how to decide whether to refinance if I can lower my rate significantly, using a worked example and a full cost-of-ownership worksheet instead of relying on the monthly payment drop alone. It compares refinance structures side by side so readers can find their true break-even point before committing.
Should I Hire a Mortgage Consultant for Complex Situations? Duane Buziak Breaks Down When It Pays Off
Duane Buziak explains why complex situations hire a mortgage consultant rather than relying on a single lender’s rigid underwriting box, covering self-employed income, multiple properties, credit events, and down payment assistance layering. The article breaks down when shopping across wholesale lenders actually pays off versus when a simpler direct-lender path will do.
How to Calculate Mortgage Payment Affordability: Duane Buziak’s Step-by-Step Method
This guide walks through Duane Buziak’s step-by-step method to calculate mortgage payment affordability using your income, debts, down payment, and credit band, so you get an actual monthly payment figure instead of a vague pre-approval range. It’s the same debt-to-income math brokers use internally before comparing loan programs.
Virginia Broker Savings Example: Real Mortgage Math
See a Virginia broker savings example with payment math, wholesale comparisons, soft-pull pricing, fees, and a mortgage with clarity.
How to Buy a House With Student Loan Debt: A Step-by-Step Guide From Duane Buziak
This step-by-step guide explains how underwriters actually calculate your qualifying payment when buying house with student loan debt, and which loan programs treat that debt most favorably. Written by Duane Buziak, it also walks readers through running their own total cost of ownership numbers before speaking with a lender.
Jumbo Loan Qualification Criteria in 2026: Duane Buziak Breaks Down Credit, DTI, and Reserve Requirements
This article breaks down the 2026 jumbo loan qualification criteria — credit score, debt-to-income ratio, cash reserves, and documented income — with a worked cost example and side-by-side comparison of jumbo program types from Duane Buziak, NMLS #1110647.
VA Broker Versus Veterans United: What Saves More?
Compare a VA broker versus Veterans United with real payment math, pricing access, credit-safe shopping, service, and the questions that protect your VA loan.
VA Broker Versus Veterans United: What Saves More?
Compare a VA broker versus Veterans United with real payment math, pricing access, credit-safe shopping, service, and the questions that protect your VA loan.
How to Apply for a USDA Loan: A Step-by-Step Guide (2026)
This step-by-step guide shows you how to apply for a USDA loan in 2026, from confirming property and income eligibility to getting pre-approved and comparing total costs against FHA and conventional financing. Led by Duane Buziak, NMLS #1110647, it walks buyers through each document and decision needed before committing to a lender.
7 Strategies for a Smarter ShopMortgageRates Mortgage Rate Comparison
This article walks through a ShopMortgageRates mortgage rate comparison using seven practical strategies, from checking APR instead of just the note rate to accounting for points, taxes, and PMI, so borrowers across VA, FL, TN, GA, DC, NC, SC, and MD can see the true total cost of a loan rather than just the rate quoted over the phone.