When it’s hard to qualify for a conventional loan, the cause is usually one fixable factor, such as credit score, DTI, down payment, income documentation, or a lender overlay. This guide walks through seven strategies in order: find the real blocker, fix the cheapest factor, adjust the loan structure, document income, switch programs, and shop without stacking credit pulls.
Duane Buziak’s 7 Strategies to Use Teacher Home Loan Programs and Lower Your Cost of Buying
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.
Non-QM Income Documentation Guide for Borrowers
This non QM income documentation guide shows self-employed and asset-rich borrowers how brokers test qualifying income, documents, and DTI before applying.
7 Strategies for Military Relocation Mortgage Options: A PCS Buyer’s Guide by Duane Buziak
PCS orders leave military families a short window to choose where to live and how to finance it, and the wrong choice can lock up VA entitlement or add avoidable fees. This guide walks through seven strategies for military relocation mortgage options, covering VA entitlement, buying, renting out your old home, IRRRL refinancing, and non-VA programs.
How to Fix Tax Return Problems on a Mortgage Application: Duane Buziak’s Step-by-Step Guide
Tax return problems on a mortgage application usually cause delays rather than denials. This guide walks through an ordered fix list: spotting what underwriters will flag, filing missing returns, handling tax debt, rebuilding qualifying income, and choosing the right loan path so your file answers questions before they are asked.
Seller Concessions Maximum Allowed Percentage: Limits by Loan Type, Explained by Duane Buziak
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.
6 Mortgage Options for Self-Employed Borrowers Facing Approval Challenges in 2026
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.
VA Loan Residual Income Guide for Smart Borrowers
Use this VA loan residual income guide to calculate post-housing cash flow, read the tables, and structure a stronger VA mortgage approval file now.
7 Ways to Choose a Chesterfield County, Virginia Mortgage Broker, According to Duane Buziak
This guide walks Virginia homebuyers through seven practical checks for finding the best Chesterfield County, Virginia mortgage broker, from verifying an NMLS license to comparing pricing, program fit, closing support and track record. It shows how to judge brokers on verifiable facts rather than advertising claims.
Duane Buziak on Switching From an Online Direct Lender: Same Underwriting Standards, Lower Rate, and a Soft Pull First
You can’t keep another company’s in-house underwriting team, but you can keep the same underwriting standards and often get a lower rate through a broker who shops hundreds of wholesale lenders. This guide explains how a Lower.com alternative with same underwriting team lower rate works, and how a NoTouch Credit Pull soft inquiry lets you compare real pricing before any hard credit hit.
