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.
No Appraisal Refinance Eligibility: Duane Buziak Explains Who Qualifies and Which Programs Allow It
No appraisal refinance eligibility depends on your current loan: FHA, VA, and USDA borrowers may use a streamline program that skips the appraisal, while conventional loans rely on an automated underwriting waiver. This guide explains which programs qualify, the rules each applies, what you give up, and how Duane Buziak checks eligibility without a hard credit pull.
Duane Buziak on the Pros and Cons of loanDepot vs a Local Independent Mortgage Broker
This article lays out the pros and cons of loanDepot vs a local independent mortgage broker, comparing a national direct lender with a broker who shops hundreds of wholesale lenders. It includes a side-by-side table, a worked dollar example, and a decision rule so borrowers can choose the path that fits their loan file.
Duane Buziak on Alcova Mortgage vs an Independent Broker: What to Know Before You Choose
A practical guide to should I know before choosing Alcova Mortgage vs.
Buydown Mortgage Strategy Guide for Smart Buyers
Use buydown mortgage strategy guide to model temporary and permanent points, break-even timing, seller credits, and refinance risk before you lock first.
Asset Depletion Mortgage Guide for Smart Buyers
Use this asset depletion mortgage guide to see how assets qualify you, where underwriting gets strict, and how to structure a home purchase application.
Mortgage Contingency Clause Explained: How Duane Buziak Helps Buyers Protect Their Deposit
This mortgage contingency clause explained guide shows how a financing contingency lets buyers cancel a purchase contract and keep their earnest money if the loan isn’t approved by the agreed date. It covers how the clause differs from appraisal and inspection contingencies, what happens when a deadline passes, and a worked dollar example.
Best Mortgage Documents for Self-Employed Buyers
Learn which mortgage documents prove self-employed income, how underwriters read them, and when bank statements or a CPA letter can protect your approval.
Duane Buziak on 7 Renovation Loan Types and How to Match Each to Your Project
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.
Duane Buziak Explains the Mortgage After Deed in Lieu Waiting Period by Loan Type (2026)
The mortgage after deed in lieu waiting period is typically about 3 to 4 years, and as little as 2 years on some programs when extenuating circumstances are documented. This 2026 guide breaks the wait down by loan type, explains how the clock is counted, and walks through a $400,000 purchase down payment example.
