- VA Loans & Mortgages | Hampton Roads, VA
- NMLS #1110647
Dedicated wholesale mortgage guidance for military families, veterans, and homebuyers across Virginia Beach, Norfolk, Chesapeake, Portsmouth, and Newport News. Access 100% VA loans, lower wholesale rates, and fast local pre-approvals.
Select your goal below to see customized rates and wholesale loan options tailored to your scenario.
🔒 Safe and confidential • No impact to credit score
100% Financing & $0 Down for Qualified Veterans
Beat retail bank markups through wholesale channels
Licensed broker serving all 7 cities of Hampton Roads
VA Loans Hampton Roads is led by Duane Buziak, a mortgage professional who helps service members, veterans, and military families turn the VA home loan benefit into a home they love.
Instead of one bank’s rate sheet, you get access to 50+ wholesale lenders. Duane compares them for you and explains every option in plain language, so you know exactly what you are getting and what it costs.
From 0% down military mortgages to flexible Non-QM and investor loans, explore specialized financing products designed for the Hampton Roads real estate market.
Get clear on process, terminology about the loan program you prefer, as well as available options to perfectly suit your desired needs.
Explore financing options for a second home, vacation property, or real estate investment.
Luxury financing for higher-value waterfront and premium estates across Virginia Beach, Norfolk, and Chesapeake exceeding standard conforming limits.
Self-employed, 1099, bank statement, or asset depletion loans when tax returns do not tell the whole picture of your true financial strength.
Qualify based strictly on property rental income and cash-flow without personal income verification or tax documentation.
Consider whether a refinance supports your current goals.
We offer a wide range of mortgage solutions, providing personalized guidance and financing options to help you confidently achieve your homeownership goals.
No guesswork or closing delays. We streamline the entire mortgage lifecycle into four straightforward steps.
A quick 15-minute consultation to review your budget, credit, VA eligibility, and timeline.
Secure an ironclad local pre-approval letter so sellers take your purchase offer seriously.
Compare rates across 50+ wholesale investors, lock the best terms, and submit documentation.
Final loan sign-off, settlement coordination, and congratulations on getting the keys to your new home!
From major military installations and naval bases to coastal neighborhoods and rural acreage, our local lending expertise covers every corner.
Every homebuyer’s situation is different. The Loan Optimizer analyzes your financing options so you can make a confident decision before applying.
Whether you are currently renting, stationed on active orders in Hampton Roads, or ready to purchase your dream coastal residence, Duane Buziak gives you complimentary access to the proprietary financial tools lenders usually charge for.
can be highly advantageous because it is a more inclusive and modern model that may help you qualify for a loan even if you have a limited credit history or are just starting out.
Unlike older models, VantageScore 4.0 uses trended credit data and alternative payment histories to give a more complete picture of your financial responsibility
Discover your true buying power and check wholesale loan rates without triggering a single hard inquiry or lowering your credit score by even one point. Your privacy and credit health are 100% protected.
We review your loan eligibility privately without reporting an inquiry to the credit bureaus.
Traditional credit checks sell your data to call centers. Our soft pull stays 100% confidential.
Moving on tight military orders to Naval Station Norfolk, NAS Oceana, Portsmouth Naval Medical, or Langley-Eustis? Duane Buziak coordinates fast remote pre-approvals and closings designed around deployment schedules and BAH allowances.
Pre-approve your mortgage using your upcoming Hampton Roads Basic Allowance for Housing (BAH) orders before you even arrive in Virginia.
Short report date? We prioritize fast underwriter review and remote digital closing so your family moves directly into your home without temporary lodging.
Need to buy in Virginia while holding a VA loan on a previous station? We guide you through bonus entitlement calculation and lease-departure options.
See how choosing Duane Buziak gives you significant rate savings, personal accountability, and options far beyond retail commercial banks.
| Key Lending Factor | Duane Buziak (Wholesale) | Big Commercial Banks |
|---|---|---|
| Lending Sources & Competition | ✓ 50+ Wholesale Lenders Competing | Only 1 internal retail menu |
| Interest Rates & Pricing | ✓ Wholesale pricing (low overhead) | Retail markups & branch overhead |
| Direct Accessibility | ✓ Direct cell access with Duane | Toll-free call centers & rotating reps |
| Average Time to Close | ✓ 21 – 28 Days (Expedited Available) | 45 – 60 Days with frequent delays |
| Credit Flexibility | ✓ Down to 580 on VA loans + Non-QM | Strict 640+ overlays & fast denials |
Get in touch with Duane Buziak today for an instant rate check, personalized pre-approval, or loan consultation with zero obligation.
Get clear answers on VA loans, interest rates, eligibility, and the loan application process.
Active-duty service members, veterans with an honorable discharge, National Guard and Reserve members (with eligible service), and certain surviving spouses qualify. A Certificate of Eligibility (COE) is required, which Duane can retrieve for you electronically in minutes.
For eligible borrowers with full entitlement, there is no maximum loan limit on VA loans. This allows qualified military buyers in Hampton Roads to purchase high-value homes and waterfront properties with 0% down, subject only to credit and debt-to-income approval.
Mortgage brokers work for you, not a single financial institution. We have access to 50+ wholesale lenders competing for your loan, meaning lower interest rates, fewer overhead fees, and personalized support from an experienced local professional.
While many retail banks enforce strict minimums (e.g. 640+), VA loans do not have a government-set minimum score. Through our wholesale network, we can often approve VA loans down to 580 or even 550 on a case-by-case scenario.
Our average closing timeframe in Hampton Roads is 21 to 30 days from contract. For military families under tight PCS orders, expedited closings can often be accommodated.
Educational guidance and transparent wholesale mortgage tips directly from Duane Buziak, the Mortgage Maestro.
