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.