Buying your first home in Virginia is one of the most significant financial decisions you will ever make. Whether you are searching in Richmond, Chesterfield, Henrico, Fredericksburg, or Virginia Beach, the process involves dozens of moving parts — and even small missteps can cost thousands of dollars or derail your purchase entirely.
This guide is not a sales pitch. It is a straightforward, educational breakdown of the most common first time home buyer mistakes observed across Virginia markets, paired with practical strategies to avoid each one. From misunderstanding how credit inquiries work during the shopping process, to leaving loan programs on the table, to underestimating closing costs — these are real patterns that repeat themselves in markets from Short Pump to Charlottesville to Hampton Roads.
Understanding these mistakes before you start protects your budget, your credit, and your timeline. The good news: every one of them is avoidable with the right information.
Author: Duane Buziak, Mortgage Maestro, NMLS #1110647
1. Shopping for Homes Before Getting Pre-Qualified
The Challenge It Solves
Starting the home search emotionally — before establishing financial parameters — leads to a predictable and painful pattern. Buyers fall in love with homes outside their budget, make offers without lender letters, and lose out to qualified buyers who came prepared. In active Virginia markets like Midlothian, Short Pump, and Stafford, sellers often will not entertain an offer without documented pre-qualification.
The Strategy Explained
A pre-qualification establishes your realistic price range, identifies any credit or income issues early, and gives you a lender letter that signals seriousness to sellers. The concern most first-time buyers have is that getting pre-qualified will hurt their credit score. This is where a no-touch credit pre-qualification changes the equation entirely.
Using Vantage Score 4.0, a soft credit pull can assess your credit profile without generating a hard inquiry — meaning your score is not affected during early exploration. You get the financial clarity you need without the credit impact you feared.
Implementation Steps
1. Contact a mortgage professional before contacting a real estate agent — your budget determines what homes you should be looking at, not the other way around.
2. Request a no-touch, soft-pull pre-qualification to establish your credit picture without a score impact.
3. Review the pre-qualification results with your lender to understand your price ceiling, estimated monthly payment, and any conditions you need to address before a formal application.
Pro Tips
Pre-qualification and pre-approval are not the same thing. Pre-qualification is the exploratory step. Pre-approval involves verified income and asset documentation and carries more weight with sellers. Know which one you have — and which one the seller’s agent is expecting to see before you make an offer.
2. Applying to Only One Lender and Accepting the First Rate Offered
The Challenge It Solves
Single-lender applications are one of the most expensive habits in mortgage borrowing. When you apply to only one lender, you receive that lender’s best offer — with no competitive pressure to improve it. The difference between one rate and a slightly better rate, compounded over 30 years, is not trivial.
The Strategy Explained
Rate shopping — particularly through a mortgage broker with access to hundreds of wholesale lenders simultaneously — creates competition that works in the borrower’s favor. When you apply at a single institution like a bank or retail lender, you get their product shelf. When a broker shops your file across multiple lenders, you get the market working for you.
The worked math below illustrates why this matters. These are illustrative figures using standard amortization calculations. Actual rates change daily and vary by borrower profile.
Rate Comparison Example (Illustrative Only — Rates Change Daily):
Loan Amount: $400,000 | 30-year fixed
| Scenario | Rate | Monthly P&I | Total Interest (30 yrs) |
|---|---|---|---|
| Scenario A | 6.75% | $2,594 | — |
| Scenario B | 7.00% | $2,661 | — |
| Difference | 0.25% | $67/month | $24,120 over 30 years |
Source: Standard amortization calculation. Presented as illustrative example only. Actual rates vary by lender, credit profile, and market conditions.
Implementation Steps
1. Work with a mortgage broker rather than a single retail lender to access competitive wholesale pricing across multiple lenders at once.
2. Obtain Loan Estimates from at least two to three sources so you have a documented basis for comparison.
3. Compare the Annual Percentage Rate (APR), not just the stated interest rate — APR incorporates fees and gives a more complete cost picture.
Pro Tips
Bring competing offers to your broker and ask them to beat the terms. Rate shopping is exactly how the mortgage market is designed to function. Lenders expect it, and borrowers who do it consistently secure better outcomes than those who do not.
3. Ignoring Loan Program Options Beyond Conventional
The Challenge It Solves
Many first-time buyers in Virginia default to conventional financing without ever exploring whether FHA, VA, or USDA programs would serve them better. Each program was designed for a specific borrower profile, and the differences in down payment requirements, credit score thresholds, and geographic eligibility are substantial.
The Strategy Explained
Virginia’s geography creates real USDA eligibility in areas many buyers do not expect — including parts of Goochland, Louisa, Caroline County, Ashland, and the Lake Anna corridor (verify current eligibility at USDA’s eligibility map). Veterans and active-duty military buyers in the Fredericksburg, Spotsylvania, Stafford, Hampton Roads, Williamsburg, and Yorktown corridors often have access to VA loan benefits they underutilize. FHA financing opens doors for buyers with credit scores as low as 580 with 3.5% down, or 500 with 10% down, per HUD guidelines.
The 2025 conforming loan limit for most of Virginia is $806,500, per the FHFA. Buyers above that threshold will need jumbo financing, which has its own qualification standards.
Loan Program Comparison Table:
| Program | Min. Credit Score | Min. Down Payment | Geographic Restriction | Best For |
|---|---|---|---|---|
| Conventional | 620 (typical) | 3–5% | None | Strong credit, stable income |
| FHA | 500 (10% down) / 580 (3.5% down) | 3.5% | None | Lower credit scores, first-time buyers |
| VA | No official minimum (lender overlay varies) | 0% | Eligible veterans/active duty | Military buyers in VA, FL, TN, GA |
| USDA | 640 (typical) | 0% | USDA-eligible rural areas | Buyers in qualifying Virginia counties |
| Jumbo | 700+ (typical) | 10–20% | None | Loans above $806,500 |
Sources: HUD.gov, VA.gov, USDA eligibility portal, FHFA. Credit score thresholds and program details subject to change. All loans subject to lender overlay requirements and credit approval.
Implementation Steps
1. Before assuming conventional is your only path, ask your mortgage professional to run your profile against FHA, VA, and USDA eligibility criteria.
2. If you are a veteran or active-duty service member, review your VA loan entitlement at VA.gov before applying anywhere.
3. If you are considering areas like Goochland, Louisa, or Caroline County, check USDA eligibility before ruling out a zero-down option.
Pro Tips
Loan program selection is not just about qualifying — it is about total cost over time. A VA loan with no down payment and no PMI may outperform a conventional loan with 5% down even if the rate is slightly higher. Run the full payment comparison before deciding.
4. Underestimating Closing Costs and Running Short at the Table
The Challenge It Solves
Closing costs are one of the most consistently underestimated expenses in the home buying process. Buyers who focus exclusively on the down payment often arrive at closing underprepared for the additional cash required. The CFPB advises buyers to expect closing costs of approximately 2–5% of the loan amount.
The Strategy Explained
Closing costs include lender origination fees, title insurance, settlement fees, prepaid interest, homeowners insurance, property tax escrow, and recording fees, among others. The range is wide because some costs are lender-controlled and others are third-party. Understanding the categories helps buyers budget accurately rather than being surprised.
Closing Cost Dollar Estimates by Loan Size (2–5% Range):
| Loan Amount | Low Estimate (2%) | High Estimate (5%) |
|---|---|---|
| $300,000 | $6,000 | $15,000 |
| $400,000 | $8,000 | $20,000 |
| $500,000 | $10,000 | $25,000 |
Source: CFPB closing cost guidance. Actual costs vary by lender, location, and transaction specifics.
Common Closing Cost Line Items:
Origination Fee: Charged by the lender for processing the loan — typically 0.5–1% of the loan amount.
Title Insurance (Owner’s and Lender’s): Protects against title defects — often $1,000–$2,500 depending on purchase price.
Settlement/Closing Fee: Paid to the title company or attorney conducting the closing.
Prepaid Interest: Interest from the closing date to the end of the month — varies by closing date.
Escrow Reserves: Upfront deposits for property taxes and homeowners insurance — often 2–3 months of each.
Recording Fees: County government fees for recording the deed and mortgage.
Implementation Steps
1. Request a Loan Estimate from your lender within three business days of application — federal law requires this document and it itemizes all estimated costs.
2. Budget for the high end of the closing cost range, not the low end. If costs come in lower, the surplus stays in your pocket.
3. Ask your lender about seller concessions — in some Virginia markets and price ranges, sellers may agree to cover a portion of closing costs as part of the negotiation.
Pro Tips
Closing date timing affects prepaid interest. Closing at the end of the month minimizes prepaid interest due at settlement. Closing at the beginning of the month means you prepay nearly a full month of interest. This is a small but real variable worth discussing with your settlement agent.
5. Making Large Financial Moves After Pre-Approval
The Challenge It Solves
Pre-approval is not the finish line — it is a snapshot of your financial profile at a specific point in time. Lenders verify income, assets, credit, and debt obligations again before closing. Changes made between pre-approval and closing can alter your debt-to-income ratio, trigger a re-underwrite, or cause a loan denial days before settlement.
The Strategy Explained
Debt-to-income ratio (DTI) is one of the primary metrics lenders use to evaluate loan eligibility. Adding new obligations after pre-approval shifts that ratio in ways that can move a borrower from approved to ineligible. The worked example below uses illustrative figures to show how quickly DTI can change and affect mortgage approval.
Worked DTI Example (Illustrative):
| Scenario | Monthly Income | Housing Payment | Existing Debts | New Obligation | Total Debts | DTI |
|---|---|---|---|---|---|---|
| At Pre-Approval | $7,000 | $1,800 | $600 | — | $2,400 | 34.3% |
| After New Car Loan ($400/mo) | $7,000 | $1,800 | $600 | $400 | $2,800 | 40.0% |
| After Co-Signing ($600/mo) | $7,000 | $1,800 | $600 | $600 | $3,000 | 42.9% |
Conventional guideline: typically 45% max DTI, with some programs allowing up to 50%. Illustrative example only — actual guidelines vary by loan program and lender.
The jump from 34.3% to 42.9% may not trigger a denial on its own, but it narrows the margin significantly. A co-sign obligation, a new credit card, or a large undocumented deposit can each create underwriting questions that delay or derail closing.
Implementation Steps
1. Do not open any new credit accounts between pre-approval and closing — no new credit cards, auto loans, furniture financing, or store accounts.
2. Do not change jobs or employment status without first consulting your lender — income documentation requirements are tied to your employment type at the time of application.
3. Do not make large deposits into your bank accounts without documentation — underwriters must source and explain unusual deposits, and undocumented cash can stall a closing.
Pre-Closing Financial Checklist
Avoid: New credit applications of any kind.
Avoid: Co-signing any loan or obligation for another party.
Avoid: Changing employers or moving from W-2 to self-employed status.
Avoid: Large cash deposits without paper trails.
Avoid: Paying off collections without first consulting your lender — counterintuitively, this can sometimes lower scores temporarily.
Pro Tips
Think of the period between pre-approval and closing as a financial freeze. The goal is to present the same borrower profile at closing that the underwriter approved at the start of the process. Any variation creates questions, and questions create delays.
6. Misunderstanding How Credit Inquiries Work During Mortgage Shopping
The Challenge It Solves
The fear that rate shopping will damage credit scores prevents many first-time buyers from comparing lender offers. This fear is based on a misunderstanding of how credit scoring models actually treat mortgage inquiries. The result is that buyers accept the first offer they receive rather than shopping for better terms — and that costs real money.
The Strategy Explained
FICO publicly documents that multiple mortgage inquiries within a 45-day window are treated as a single inquiry for scoring purposes. This means you can apply to multiple mortgage lenders within that window without compounding the credit impact. The source for this is myFICO.com’s published guidance on credit inquiries.
Vantage Score 4.0 — the scoring model used in our no-touch pre-qualification process — treats mortgage rate shopping similarly, and the soft-pull pre-qualification option generates no hard inquiry at all during the initial exploration phase.
Credit Inquiry Comparison:
| Action | Inquiry Type | Score Impact | Notes |
|---|---|---|---|
| No-touch soft-pull pre-qual | Soft inquiry | None | Used for initial exploration |
| Formal mortgage application | Hard inquiry | Minor, temporary | Multiple within 45 days = 1 inquiry (FICO) |
| New credit card application | Hard inquiry | Minor, temporary | Each counts separately |
| Auto loan shopping (14-day window) | Hard inquiry | Minor, temporary | Shorter window than mortgage |
Source: myFICO.com credit inquiry guidance. Vantage Score 4.0 treatment may vary.
Implementation Steps
1. Start with a soft-pull pre-qualification to understand your credit profile without any score impact.
2. When you are ready to formally compare lenders, complete those applications within a 45-day window to take advantage of FICO’s rate-shopping protection.
3. Avoid applying for any non-mortgage credit during the shopping period — auto loans, credit cards, and retail accounts do not benefit from the same inquiry consolidation rules.
Pro Tips
The credit score impact of a single mortgage inquiry is typically small and temporary. The financial impact of not shopping rates — as illustrated in the rate comparison math in Mistake #2 — can be tens of thousands of dollars over the life of the loan. The math strongly favors rate shopping.
7. Skipping the Rate Lock and Watching Rates Move Against You
The Challenge It Solves
Between the time you go under contract and the time you close, mortgage rates can move. Without a rate lock, your final rate is not guaranteed — and if rates rise during that window, your monthly payment increases. In volatile rate environments, floating without a lock is a speculative position, not a neutral one.
The Strategy Explained
A rate lock guarantees your interest rate for a defined period — typically 30, 45, or 60 days. Longer locks sometimes carry a cost in the form of points. The question is whether paying for a longer lock makes financial sense given your expected closing timeline. Breakeven math answers that question concretely and helps you make an informed decision.
Worked Rate Lock Breakeven Example (Illustrative — Lock Costs Vary by Lender):
| Lock Option | Lock Cost | Dollar Cost on $400,000 Loan | Monthly Payment Impact if Rate Rises 0.125% | Breakeven |
|---|---|---|---|---|
| 30-day lock | Typically no cost | $0 | ~$33/month higher without lock | N/A |
| 60-day lock | ~0.125 points | ~$500 | ~$33/month saved vs. unprotected | ~15 months |
Breakeven calculation: $500 lock cost ÷ $33 monthly savings = approximately 15 months. If you plan to stay in the home longer than 15 months, the longer lock cost is financially justified if rates rise. Lock costs and rate movement are variable — this is an illustrative framework, not a guarantee.
In Virginia markets with active construction or longer closing timelines — new builds in Chesterfield, Hanover, or Spotsylvania, for example — a 60-day lock is often worth the conversation.
Implementation Steps
1. Ask your lender to explain lock options and associated costs at the time of application — do not wait until you are under contract to have this conversation.
2. Estimate your closing timeline honestly. If your contract allows 45 days to close and your lender needs 30 days to process, a 30-day lock is likely sufficient. If there is any uncertainty, the longer lock provides insurance.
3. Ask whether your lender offers a float-down option — some lock structures allow you to capture a lower rate if rates drop during the lock period, for an additional cost.
Pro Tips
Rate lock decisions are not one-size-fits-all. A buyer purchasing a resale home in Richmond with a 30-day close window has different needs than a buyer purchasing a new construction home in Stafford with a 90-day build timeline. Match the lock to your actual timeline, not the default offered.
8. Letting a Bank or Credit Union Turndown End the Search
The Challenge It Solves
A denial from a single bank or credit union is not a verdict on your ability to buy a home. It is a verdict on whether you qualify for that institution’s specific product lineup. Banks and credit unions offer their own products — if your profile does not fit their parameters, the answer is no. But their parameters are not the entire market.
The Strategy Explained
Non-QM (non-qualified mortgage) products, bank statement loans, and programs designed for borrowers with credit events or non-traditional income documentation exist specifically because the conventional lending market does not serve every borrower. FHA programs accept credit scores as low as 500 with a 10% down payment, per HUD guidelines. Bank statement loans allow self-employed borrowers to qualify using 12–24 months of bank statements rather than tax returns.
The critical variable is lender access. A mortgage broker with access to hundreds of wholesale lenders can route your application to the lender whose guidelines match your profile — something a single-institution lender structurally cannot do.
Implementation Steps
1. If you have been denied by a bank or credit union, request the specific reason for denial in writing — lenders are required to provide this, and it tells you exactly what to address.
2. Bring that denial letter to a mortgage broker who has access to non-QM and specialty lending products — the denial criteria at one institution may not apply at another.
3. Ask specifically about bank statement loans if you are self-employed, DSCR loans if you are purchasing investment property, and FHA options if your credit score is the primary obstacle.
Pro Tips
Credit events like a past foreclosure, bankruptcy, or short sale have defined seasoning periods in many loan programs. A two-year-old bankruptcy may disqualify you from conventional financing but not from FHA or certain non-QM products. Knowing the specific seasoning requirements for your situation is the difference between a dead end and a path forward.
9. Choosing a Lender Based on Speed Promises Without Verifying Close Times
The Challenge It Solves
Advertised close times and actual close times can differ significantly. In competitive Virginia markets — where sellers in Glen Allen, Midlothian, and Chesapeake may be reviewing multiple offers — a lender’s ability to close on time is a real negotiating asset. A pre-approval letter from a lender known for delays carries less weight than one from a lender with a verified track record of fast closings.
The Strategy Explained
National call-center lenders and local mortgage brokers operate on fundamentally different models. Understanding the structural differences helps buyers set realistic expectations and choose the right fit for their transaction.
Lender Model Comparison:
| Factor | National Call-Center Lender (e.g., Rocket Mortgage, PennyMac) | Local Mortgage Broker |
|---|---|---|
| Product Access | Own products only | Hundreds of wholesale lenders |
| Rate Competitiveness | Single institution pricing | Competitive wholesale pricing |
| Point of Contact | Rotating call center staff | Dedicated loan officer |
| Local Market Knowledge | Limited | Virginia-specific expertise |
| Close Time Verification | Advertised timelines vary | Ask for documented close history |
| Flexibility on Complex Files | Limited by internal guidelines | Can route to best-fit lender |
This comparison reflects structural differences in business models, not quality of service. National lenders serve many borrowers effectively. The distinction is product breadth and rate access, not competence.
Lenders including Rocket Mortgage, Movement Mortgage, PrimeLending, Alcova Mortgage, CapCenter, Atlantic Bay Mortgage, and others serve Virginia buyers and have established reputations. The relevant question is not which lender is better in the abstract — it is which model gives you the most options and the most competitive pricing for your specific profile.
Implementation Steps
1. Ask any lender you are considering for their average days-to-close on purchase transactions in the past 90 days — not their advertised target, but their actual recent performance.
2. Confirm that the lender can issue a pre-approval letter quickly enough to support your offer timeline in your target market.
3. Ask your real estate agent which lenders they have seen perform reliably in your target area — agents observe lender performance at closing and often have informed opinions.
Pro Tips
In multiple-offer situations in markets like Short Pump or Henrico — where median home prices run in the $390,000–$430,000 range based on recent local market data — a verified fast-close capability can be the difference between an accepted offer and a backup position. Speed is not just a convenience; it is a competitive variable.
10. Overlooking Mortgage Insurance Costs in the Monthly Payment
The Challenge It Solves
Mortgage insurance is one of the most misunderstood line items in a monthly payment. Many first-time buyers compare FHA and conventional loan rates without accounting for the difference in mortgage insurance cost and duration — and the difference is substantial. Choosing the wrong program based on rate alone, without modeling the full monthly payment, leads to budget surprises that persist for years.
The Strategy Explained
FHA loans carry a Mortgage Insurance Premium (MIP) that, for loans with less than 10% down originated after June 2013, is permanent for the life of the loan. Conventional loans carry Private Mortgage Insurance (PMI) that cancels automatically at 78% loan-to-value under the Homeowners Protection Act. This structural difference matters enormously when comparing total cost over time.
The worked payment table below uses illustrative rates and a $350,000 purchase price to make the comparison visible. FHA MIP rates reflect the most recent HUD reduction per HUD Mortgagee Letter 2023-05.
FHA vs. Conventional Payment Comparison — $350,000 Purchase (Illustrative):
| Factor | FHA (3.5% Down) | Conventional (5% Down) |
|---|---|---|
| Down Payment | $12,250 | $17,500 |
| Loan Amount | $337,750 | $332,500 |
| Illustrative Rate | 6.75% | 6.875% |
| Monthly P&I | ~$2,191 | ~$2,183 |
| Monthly MI | ~$233 (MIP at 0.55% annual) | ~$140–$180 (PMI varies by score) |
| Estimated Total Payment | ~$2,424+ | ~$2,323–$2,363 |
| MI Duration | Life of loan (if <10% down) | Cancels at 78% LTV |
Rates are illustrative only and change daily. MIP rate based on HUD Mortgagee Letter 2023-05 for most FHA loans. PMI rate varies by credit score and lender. Payment estimates do not include taxes, insurance, or HOA. All loans subject to credit approval.
The monthly payment difference in this example is approximately $60–$100. But the FHA MIP continues for the life of the loan, while conventional PMI cancels once equity reaches 22%. On a 30-year loan, the long-term cost difference can be significant — and it is not visible when comparing rates alone. Review our detailed FHA vs. conventional loan comparison to see how the numbers play out for different buyer profiles.
Implementation Steps
1. Ask your lender to model the full monthly payment — principal, interest, taxes, insurance, and mortgage insurance — for each loan program you are considering, not just the rate.
2. Ask specifically about the MI cancellation terms for each program: when does it end, and what triggers cancellation?
3. If you are comparing FHA and conventional, ask your lender to run a breakeven analysis showing the point at which conventional becomes less expensive despite the higher down payment requirement.
Pro Tips
Some conventional loan programs offer reduced PMI rates for buyers with stronger credit profiles — meaning the conventional payment advantage over FHA can be even more pronounced for well-qualified borrowers. Run the numbers for your specific credit score and down payment combination before assuming FHA is the cheaper option.
Putting It All Together: Your Implementation Roadmap
Avoiding these ten mistakes does not require perfect credit, a large down payment, or years of financial expertise. It requires asking the right questions early, understanding the full landscape of loan programs available in Virginia, and working with someone who has access to multiple lenders rather than a single product shelf.
The fundamentals apply whether you are buying in Midlothian, Stafford, Lynchburg, or Chesapeake: know your numbers before you shop, protect your credit during the process, and never accept the first offer without comparison.
If you have already been turned down by a bank or credit union, that is not the end of the road. It is the beginning of a different conversation — one that looks at the full range of programs, lenders, and documentation options available to your specific situation.
Priority Sequence for First-Time Buyers:
1. Start with a no-touch soft-pull pre-qualification to establish your financial picture without credit impact.
2. Review all loan program options — conventional, FHA, VA, USDA — before selecting a path.
3. Budget for closing costs at the high end of the 2–5% range so you are not caught short at the table.
4. Shop rates within the 45-day FICO window to create competitive pressure and secure the best available terms.
5. Lock your rate once under contract and maintain a financial freeze until closing.
Frequently Asked Questions
Q: Will getting pre-qualified hurt my credit score?
A: A soft-pull pre-qualification using Vantage Score 4.0 generates no hard inquiry and does not affect your credit score. A formal pre-approval involves a hard inquiry, but multiple mortgage inquiries within a 45-day window count as one inquiry under FICO scoring rules.
Q: How much do I need for closing costs in Virginia?
A: The CFPB advises budgeting 2–5% of the loan amount. On a $400,000 loan, that is $8,000–$20,000. Budget toward the higher end until you have a Loan Estimate in hand.
Q: Can I qualify for a USDA loan in Virginia?
A: Parts of Goochland, Louisa, Caroline County, Ashland, and the Lake Anna corridor are among the Virginia areas with USDA-eligible zones. Verify your specific property address at the USDA eligibility portal.
Q: Does FHA mortgage insurance ever go away?
A: For FHA loans with less than 10% down originated after June 2013, MIP is permanent for the life of the loan. Conventional PMI cancels automatically at 78% LTV under the Homeowners Protection Act.
Q: What is the difference between a mortgage broker and a direct lender?
A: A direct lender offers their own products. A mortgage broker accesses wholesale pricing from hundreds of lenders simultaneously, which creates competitive pressure that typically benefits the borrower on rate and terms.
Q: I was denied by my bank. Is it worth applying elsewhere?
A: Yes. A bank denial reflects that institution’s specific guidelines — not a universal verdict. FHA programs accept scores as low as 500 with 10% down. Non-QM and bank statement loan programs exist for borrowers who do not fit conventional criteria. A broker with broad lender access can identify which programs match your profile.
Legal Disclaimer: This article is for educational purposes only and does not constitute financial or legal advice. Loan programs, rates, and eligibility requirements are subject to change. Mortgage insurance rates and program guidelines referenced reflect publicly available information as of the date of publication and are subject to lender and program updates. All loans subject to credit approval. NMLS #1110647.
Duane Buziak, Mortgage Maestro | NMLS: 1110647 | Licensed in VA · FL · TN · GA | VA Broker of the Year 2024–2025 | Top 1% Nationwide | Coast2Coast Mortgage | DuaneBuziakMortgageMaestro.com | (804) 212-8663
