At My House Mortgage, you don’t just get a loan officer you get a partner who knows the process inside out. With zero-down options, quick turn times, and a commitment to honest communication, Duane helps you secure the right mortgage without the stress.
When it comes to financing a home, you deserve more than a lender you deserve someone who knows the entire financial landscape. With decades of experience across banking, investment, management, and mortgage lending, Duane brings unmatched expertise to every client he serves.
He works 7 days a week, offers soft credit checks, provides multiple zero-down programs, and is known across Central Virginia for fast, smooth, on-time closings. From your first question to your final signature, he handles the details, clears the obstacles, and keeps you informed every step of the way.
From your first conversation to the moment you get your keys, My House Mortgage is built to make the process fast, clear, and comfortable. Whether you’re a first-time buyer, a seasoned homeowner, or a realtor looking for a reliable lending partner, Duane delivers unmatched expertise, honest guidance, and lightning-fast turn times.
Your mortgage shouldn’t feel complicated. At My House Mortgage, you get guidance that’s simple to understand, support that’s easy to trust, and an expert who’s dedicated to making every step faster and smoother.
Whether you’re buying your first home, upgrading, refinancing, or investing, My House Mortgage offers tailored programs to fit your exact needs. With expert guidance from application to closing, Duane helps you choose the loan that truly works for your financial goals.
Reliable financing with competitive rates,
Government-backed loans with low down payments
Exclusive benefits for veterans and active-duty service members
Investor-focused financing based on rental income rather than personal income.
Flexible financing to help you build or renovate
Affordable, zero-down programs for qualified rural and suburban homebuyers.
Alternative mortgage options for clients with unique financial profiles.
Convert home equity into income while staying in your property.
Special financing designed for high-value homes exceeding conventional loan limits.
Borrow against your home’s equity through a flexible revolving line of credit.
Update your existing mortgage with better rates, lower payments, or new terms.
Ideal for self-employed borrowers who qualify through bank deposits instead of tax forms.
At My House Mortgage, every client receives hands-on guidance, honest communication, and a seamless lending experience from start to finish. Whether you’re purchasing, refinancing, or comparing loan options, Duane ensures clarity, speed, and confidence at every step.
My House Mortgage gives you the clarity, confidence, and support you need to move forward without stress. Fast answers, expert guidance, transparent updates everything is designed to make your homebuying experience simple and empowering.
Duane Buziak goes beyond lending connecting you with trusted partners and innovative solutions to make your homebuying experience seamless. From realtors to insurance, title services, and credit restoration, every connection is designed to give you confidence, convenience, and peace of mind.
Work with experienced local real estate agents who ensure smooth, transparent, and stress-free buying or selling
Protect your home with tailored coverage plans from top-rated insurance providers for total peace of mind.
Dependable title search and settlement support to make closing safe, fast, and worry-free.
Expert guidance and proven programs to rebuild and strengthen your credit for better mortgage options.
Ensure peace of mind with trusted home inspectors who provide detailed evaluations before you buy.
Real stories from real homeowners. These testimonials reflect the trust, clarity, and confidence people experience when securing their mortgage with us.
With My House Mortgage, every step is designed to be simple, transparent, and stress-free. Duane guides you through the entire journey with expert clarity, fast communication, and lending experience you can trust so you know exactly what’s happening at every stage.
A quick chat to understand your goals and budget.
Get pre-qualified without credit impact while Duane finds the best options.
Duane helps you complete all documents smoothly and accurately.
Finalize your loan with full clarity and support from start to finish.
Whether it’s your first home, your next home, or refinancing for better terms, Duane Buziak is ready to guide you every step of the way. Fast pre-approvals, clear guidance, and expert support ensure your mortgage experience is smooth, stress-free, and completely confident.
With decades of experience in banking, finance, and mortgages, Duane Buziak delivers fast, transparent, and reliable service. From pre-approvals to closing, every step is handled with precision, ensuring you feel confident and supported throughout your homebuying journey.
Buying a home can raise plenty of questions, and Duane Buziak is here to provide clear, honest answers. From pre-approvals and loan programs to closing timelines and credit tips, this FAQ section gives you the guidance you need to move forward with confidence.
The pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer.
Usually, people refinance to save money either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts. The decision to refinance can be difficult, since there are several reasons to refinance. However, if you are looking to save money, try this calculation: Calculate the total cost of the refinance Calculate the monthly savingsDivide the total cost of the refinance (#1) by the monthly savings (#2). This is the "break even" time. If you own the house longer than this, you will save money by refinancing. Since refinancing is a complex topic, consult a mortgage professional.
A rate lock is a contractual agreement between the lender and buyer. There are four components to a rate lock: loan program, interest rate, points, and the length of the lock.
A mortgage broker counsels you on the loans available from different wholesalers, takes your application, and usually processes the loan which involves putting together the complete file of information about your transaction including the credit report, appraisal, verification of your employment and assets, and so on. When the file is complete, but sometimes sooner, the lender "underwrites" the loan, which means deciding whether or not you are an acceptable risk.
