A job change during the mortgage process does not automatically end your approval, but it changes how underwriting reads your file. Duane Buziak explains how to check your loan stage, decide whether to move, and document your new role so you can protect your approval between application and closing.
Duane Buziak on How Borrowers Can Tell an Experienced Mortgage Broker From a Rookie Loan Officer
Can borrowers tell the difference between an experienced mortgage broker and a rookie loan officer? Duane Buziak outlines five checks anyone can run, including the NMLS license lookup, behavioral signals, the credit-pull question, lender access, and an itemized Loan Estimate, so borrowers can avoid the wrong loan program and unnecessary hard credit pulls that can cost thousands.
How to Compare Veterans United With an Independent VA Loan Broker: Duane Buziak’s 6-Step Method
Does working with Veterans United compare to an independent VA loan broker? This guide from Duane Buziak walks veterans, active-duty service members and surviving spouses through a six-step method that ends with two comparable Loan Estimates side by side, so you can answer the question with real numbers and choose the structure that fits your file.
7 Strategies to Find a Mortgage Broker Near You Who Actually Shops Your Loan
Searching for the best mortgage broker near me mostly returns ads and single-rate-sheet lenders, and proximity says little about who will actually shop your loan. Duane Buziak shares seven vetting strategies, starting with NMLS license verification, that homebuyers and refinancers in Virginia, Florida, Tennessee, and Georgia can use before giving out a Social Security number or allowing a hard credit pull.
7 Strategies to Buy a Home When You Don’t Have Enough Down Payment for a House
This guide explains what to do when you have not enough down payment for a house, covering seven strategies including low-down-payment conventional loans, assistance programs, gift funds, seller concessions, and a savings plan. It shows that 20% down is not required and uses a $350,000 home example to compare real costs as of 2026.
Duane Buziak’s 7 Strategies to Choose the Right Non-QM Loan Programs for Your Situation
Non-QM loan programs fit borrowers whose income is irregular, whose qualifying asset is a rental property, or whose credit event is recent. Duane Buziak walks through seven strategies, from bank statement loans onward, for matching documentation type and exit plan to the right program instead of chasing the lowest advertised rate.
How to Buy a Home With a Co-Borrower With Bad Credit: Duane Buziak’s Step-by-Step Guide
Adding a co-borrower with bad credit can help your mortgage application or sink it, depending on your numbers. This step-by-step guide shows how to test whether you need a co-borrower, understand co-borrower versus non-occupant co-signer roles, and structure the loan to avoid a surprise denial or an inflated rate.
7 Strategies to Buy a Home With No Down Payment: Duane Buziak’s Guide to Zero-Down Loan Programs in 2026
The 20% down payment rule is more habit than requirement, and several no down payment home loan programs let qualified buyers purchase with little or nothing saved. This 2026 guide ranks seven strategies, from VA and USDA loans to assistance programs, gifts, and seller concessions, and explains what each one really costs so you can pick the right route.
How to Handle Divorce and Mortgage Refinancing Issues: A Step-by-Step Guide from Duane Buziak
A practical guide to divorce and mortgage refinancing issues.
Duane Buziak’s 7 Cash Out Refinance Strategies to Turn Home Equity Into Smart Capital
A cash-out refinance can build wealth or quietly erode it, depending on how the new loan is structured and how the cash is used. This guide walks homeowners and investors through seven cash out refinance strategies, from sizing the loan around LTV limits and break-even costs to recognizing when a different product is the better tool.
