There is no single national teacher mortgage, but teacher home loan programs from state housing agencies and local employers can lower what educators pay to buy a home. Duane Buziak shares seven strategies for finding the right program, qualifying correctly, and pairing it with the best FHA, conventional, or USDA base loan.

The seller concessions maximum allowed percentage varies by loan program: conventional loans allow 3%, 6%, or 9% depending on loan-to-value, FHA allows 6%, USDA generally allows 6%, and VA caps a defined group of concessions at 4%. Duane Buziak breaks down each 2026 limit, runs the math on a real purchase, and shows how to use a seller credit without triggering appraisal or underwriting problems.

Self employed mortgage approval challenges often come from how lenders read tax returns, averaged profit, and business deductions rather than from weak earnings. This guide compares six mortgage sources on income documentation, loan program range, and flexibility, so freelancers, contractors, and business owners can find a lender whose underwriting fits their file.

Choosing among the best renovation loan lenders takes more than comparing brand names and advertised rates. This guide walks through seven strategies mortgage broker Duane Buziak uses to evaluate lenders, from matching the loan program to your project to judging draw schedules, inspections, contractor requirements, and appraisal methods.

Rural property financing programs work differently from standard suburban lending, and matching the program to the property before making an offer can protect your eligibility and cash. Duane Buziak (NMLS #1110647) walks through seven strategies for buyers in Virginia, Florida, Tennessee, and Georgia, from USDA and VA zero-down options to acreage, renovation, and construction loans, plus the property checks that decide closing.

Investors face a different rulebook than owner-occupant buyers, and the wrong financing structure can cost thousands in rate or limit how many properties you can finance. This guide from Duane Buziak breaks down seven strategies for choosing among rental property loan options, explaining how each works, who it fits, and the common mistakes to avoid in 2026.

Owner financing pros and cons depend on how the deal is structured, since the seller acts as the lender and both sides take on real risk. Duane Buziak explains how promissory notes and deeds of trust work, covers the federal rules, walks through a payment example, and helps you decide between a seller note and a broker-sourced mortgage.

A practical guide to recent bankruptcy home loan options.

Choosing between a usda vs fha loan comes down to property eligibility, income limits, down payment, and how mortgage insurance affects your monthly cost. Duane Buziak walks through seven ordered strategies, starting with the rules that can end the comparison, so buyers can decide using real numbers instead of guesses.

Duane Buziak breaks down seven renovation loan types, from the FHA 203(k) to cash-out refinancing, explaining who qualifies, how much you can borrow, and how funds reach your contractor. Each option includes the mechanics, common mistakes, and key numbers to watch, followed by a comparison table and FAQ to help you match the right loan to your project.