Hanover County Mortgage Home Loan Services and Solutions

Your Journey to Confident Homeownership Starts Here

Discover mortgage options supporting home purchases through structured guidance, clear processes, professional coordination, and closing support.

Today's Rates

FHA & conventional home loans

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About us

We’re Here to Help You Grow in Design

From curious beginners to future professionals, we provide a learning space that encourages creativity, collaboration, and practical design thinking

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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)

Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA, FL, TN, GA, DC, NC, SC, MD

hanover country mortgage

Our Service 

Transform Your Home Financing Options Today

Learn how to explore mortgage options through structured guidance, real scenarios, professional coordination, and closing preparation.

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Commercial Loans

Discover commercial financing options supporting transaction documentation.

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Construction Loans

Discover construction financing options supporting funding documentation.

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Conventional Loans

Discover conventional mortgage options supporting home purchases.

Hanover County Home Purchase Loan: Every Program Explained — Mortgage Broker Serving Mechanicsville, Ashland & Atlee

VA Loans

Discover VA mortgage options supporting eligible borrowers.

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Down Payment Assistance

Discover assistance programs supporting home requirements.

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DSCR Loans

Discover DSCR financing options supporting investment properties.

LoanOptimizer

See which loan fits you better — FHA or Conventional

SMART MATCH

Navigate Mortgages and Build Confident Homeownership

From first homebuyers to experienced homeowners, we support mortgage decisions with clear guidance and structured processes

Loan Support

Every application includes coordinated steps reflecting real mortgage requirements, documentation needs, and lender review

Mortgage Knowledge and Guidance

Receive clear explanations designed to help you understand loan options and documentation

Customized Loan Solutions

Our team supports tailored mortgage options, helping buyers navigate financing structures and lender criteria

Homeownership Focused Growth

Every step is structured to support informed decisions, smooth transactions homeownership goals

Let’s Start Home Financing Together!

Reach out to HanoverCountyMortgage for mortgage guidance, application questions, or home financing support. We’re ready to discuss options and assist your next steps

Pre-Qualified

Pre-Qualify Safely Without Any Credit Impact

Find out what you qualify for—without impacting your credit score, costing you anything, or causing any stress
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No Credit Hits

We don’t run your credit multiple times — we protect it. Your score stays safe.

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100% Free

No fees —simply quick and free answers to help you move forward with confidence.
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Fast & Easy

Get a clear view of your buying power in minutes without paperwork or pressure.

Top Tips for HomeBuyers and Investors

What Customers Say About Working With Duane Buziak Mortgage Maestro

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Zack Broaddus profile picture
Zack Broaddus
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Legendary mortgage broker. Duane's level of service is extremely hard to come by these days. He goes above and beyond with everything that he does. He did a mortgage for me 5 years ago and another last week, same great service after all of that time. You want Duane on your team.
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Amanda O'Briant profile picture
Amanda O'Briant
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If you’re looking for a mortgage broker who truly understands complex lending situations, I can’t recommend Duane Buziak highly enough. There’s a reason people call him “The Mortgage Maestro.” I had one of those more complicated situations—FHA, down payment grant programs, employment gaps, less-than-perfect credit, and all the moving pieces that come with that. From the very beginning, he treated me with kindness and respect. There was never a hint of judgment, just genuine patience and a desire to help me figure out the best path forward. What impressed me most is that he’s an absolute numbers savant. He can take what feels like an overwhelming pile of mortgage rules, income calculations, credit questions, and loan options and explain everything in a way that actually makes sense. He listened carefully to my situation instead of trying to fit me into a one-size-fits-all solution. Then he laid out every option I had, explaining the pros and cons of each so I could make an informed decision. He’s incredibly responsive—always available to answer questions, no matter how small, and amazingly fast. Every time he said he was going to do something, he did it. No chasing him down, no wondering where things stood. That kind of reliability is rare. And when the inevitable curveballs came up—as they often do in real estate, like inspection issues or other unexpected hurdles—Duane never got flustered. Instead, he quickly pivoted, came up with a new game plan, and kept everything moving forward. He has a calm confidence that’s incredibly reassuring when you’re stressed and wondering what’s going to happen next. Most importantly, I never felt like I was just another file on his desk. I genuinely felt like he put my needs first, even when that meant taking extra time to explain something or explore another option that might work better for me. That level of honesty and integrity is hard to find. Buying a home is stressful enough. Having someone you can completely trust makes all the difference. I would recommend Duane Buziak, “The Mortgage Maestro,” without hesitation to anyone, especially if you have a more challenging mortgage situation. He’s knowledgeable, compassionate, incredibly sharp, adaptable, and exactly the kind of person you want in your corner.
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Crypto-browngurl Hope
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Duane returned emails, return calls immediately to get me through the process. Plus answers questions with great detail to help you understand.
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Phil Springer profile picture
Phil Springer
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Working with Duane Buziak was a great experience. He’s a trusted mortgage loan officer in Virginia who made the home loan process smooth and stress free. He helped us secure a low rate mortgage with fast approval and great communication. Highly recommend if you’re looking for the best mortgage rates in Virginia
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Jacob Poullath profile picture
Jacob Poullath
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Duane was the best. He worked with us all the way up until the end late nights and early morning. He gives updates and responds asap. He helped us when the seller was dragging feet and turning in paperwork after hours making the whole process a lot less stressful. Duane is the man
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Peter Rees profile picture
Peter Rees
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Duane Buziak is a true Mortgage Maestro! This was one of those real stories from first-time homebuyers in Richmond. complete stress free home loan process in Virginia. He delivered a low rate home loan tailored for you with fast and simple mortgage approval. We closed in under 4 weeks! No surprise he’s a word of mouth trusted mortgage expert in Virginia with referrals from satisfied home loan clients. If you want help finding the best mortgage rate in Virginia, Duane is the one you can trust.
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Seo plus
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I had an amazing experience working with Duane Buziak at Mortgage Maestro
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deborah van ness profile picture
deborah van ness
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Duane was awesome and very patient with me. I never knew how stressful buying a home could be and I don’t do stress very well. Duane would assure me everything was on track and everything was going well. So, when I would feel stressed out all I have do get in touch with Duane he was always make me feel better. Thanks for everything!!!!!
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James Chen profile picture
James Chen
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Was looking into investment homes around the Richmond area and they had fantastic client service. Amazing rates and great work ethic, highly recommended!

Frequently Asked Questions

HanoverCountyMortgage.com is a premier mortgage brokerage platform powered by Duane Buziak, a nationally ranked mortgage broker licensed in Virginia, Florida, Tennessee, and Georgia. Instead of being locked into a single bank's rigid rates, we shop hundreds of wholesale lenders to find the exact loan program that fits your financial situation—whether you are buying a home or refinancing.

A traditional bank only offers products from their own shelf. As independent brokers, we have access to hundreds of competitive wholesale lenders. This wholesale competition drives your interest rate down and opens up flexible programs banks can't offer—such as bank statement loans for self-employed individuals, DSCR loans for real estate investors, or VA loans down to a 500 FICO score.

No. Our initial pre-qualification process utilizes a soft credit pull which does not impact your credit score. A hard inquiry is only initiated later when you formally select a specific loan program and proceed with an official application. This allows you to shop for rates safely with total peace of mind.

Most of our borrowers receive a same-day pre-approval. We operate around the clock—not standard banker's hours. If you tour a home over the weekend and need a custom pre-approval letter to submit an offer immediately, we are ready to assist you on Saturdays and Sundays.

We provide access to the full industry spectrum: FHA, VA, USDA, Conventional, Jumbo, DSCR (Investor), Bank Statement, Asset Depletion, ITIN, Foreign National, No-Ratio, P&L loans, Construction, HELOCs, and Down Payment Assistance programs. If a viable lending program exists in the market, we can access it.

Yes, this is one of our absolute core specialties. Our Bank Statement Loan programs allow self-employed business owners to qualify using 12 or 24 months of personal or business bank deposits rather than traditional tax returns. No W-2 is required, making the qualification process straightforward.

It depends entirely on the program. VA loans can go as low as a 500 FICO score, FHA starts at 580 for a 3.5% down payment, and Conventional financing typically requires a 620 or higher. If your credit score isn't quite ready, we can design a clear, step-by-step credit improvement map to help you get approved quickly.

Yes. We feature access to leading DPA initiatives including Dynamo DPA and Turbo DPA options. These specialized programs allow eligible first-time or repeat home buyers to close on an FHA loan with minimal or virtually zero out-of-pocket cash requirements at closing.

We are actively licensed to serve clients across Virginia, Florida, Tennessee, and Georgia. Whether you are buying a primary home or refinancing an investment property in these states, we can handle your loan. For states outside our footprint, we can provide a warm transition to a vetted referral partner.

Yes — these are all neighboring markets we actively work in. Visit Ashland Mortgage, Glen Allen Mortgage, or Henrico Mortgage for area-specific guidance.

Duane Buziak

Duane Buziak

Mortgage Maestro | NMLS #1110647

Coast2Coast Mortgage LLC | Hanover County Mortgage

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

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