At Old Dominion Mortgages, we help homebuyers and homeowners across Virginia secure the right mortgage with competitive rates, expert guidance, and a seamless lending experience.
Backed by deep local market knowledge and a commitment to personalized service, we take the time to understand your goals and match you with the financing that fits your needs.
Whether you’re buying your first home, upgrading, refinancing, or investing, our experienced team is with you every step of the way—providing clear advice, fast communication, and mortgage solutions you can trust.
We’re not here to sell you a loan—we’re here to help you make the right financial decision with confidence.
Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA · FL · TN · GA · DC
Choosing the right mortgage partner can make all the difference — especially in competitive markets across Virginia.
Local Market Knowledge
Access to Multiple Lenders
Fast Pre-Approvals
Experience With All Loan Types
See which loan fits you better — FHA or Conventional
Virginia offers an incredible quality of life with a mix of historic towns, coastal communities, and thriving metropolitan areas.
Guiding Virginia homebuyers with expert mortgage solutions for a smooth and confident purchase.
Refinance your Short pump home with a good deal, lower payments, or cash-out options tailored to you.
Flexible options for first-time buyers and low down payments.
Upgrade your living space with affordable renovation plans and support.
Smart financing options built for investors and entrepreneurs in Shortpump
Exclusive benefits for veterans and active-duty service members
Every homeowner’s journey is unique. We customize mortgage options to match your needs, budget, and long-term goals.
With years of experience in Virginia’s housing market, we provide guidance that’s rooted in local knowledge and trusted results.
No jargon, no confusion just a step-by-step approach that keeps you informed and confident at every stage.
We’re more than brokers; we’re your partners. From first consultation to closing day, we stand by you with honest advice and care.
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 loan options and true buying power with our NoTouch Credit System . We get you pre-approved without a single credit hit.
With our Free NoTouch Credit service, you can instantly see where your credit stands—without triggering a hard inquiry or lowering your score. Traditional credit checks often leave a mark that lenders can see, but our process uses a soft pull—completely safe, private, and impact-free.
The minimum credit score for a Virginia mortgage depends on the loan type — FHA loans start at 580, VA loans through Old Dominion Mortgages go as low as 500, and conventional loans typically require 620 or higher. As an independent broker with access to 500+ wholesale lenders, Duane Buziak (NMLS #1110647) can match you with the program that fits your credit profile.
Yes — Old Dominion Mortgages offers a NoTouch Credit Pull pre-approval that uses a soft pull only, meaning zero impact on your credit score. You can find out your buying power and get pre-approved without a single hard inquiry appearing on your credit report.
Independent brokers like Old Dominion Mortgages shop your loan across 500+ wholesale lenders simultaneously, while banks and retail lenders like Rocket Mortgage or Movement Mortgage can only offer their own rates from a single shelf. That structural difference consistently produces lower rates and fees for Virginia borrowers.
Virginia homebuyers have access to several down payment assistance options through Old Dominion Mortgages, including Dynamo DPA (2.5% or 3.5%, 580 FICO minimum) and Turbo DPA (3.5% or 5%, up to 101.5% CLTV, no first-time buyer requirement). USDA zero-down loans are also available for eligible Virginia rural and suburban areas.
The 2026 FHFA conforming loan limit in Virginia is $806,500 for most counties, with high-cost areas reaching up to $1,249,125. Loans above the conforming limit require jumbo financing, which Old Dominion Mortgages arranges through its wholesale lender network.
The NoTouch Credit Pull uses a soft inquiry to review your credit profile, which never appears on your credit report and has no impact on your score. It gives Duane Buziak (NMLS #1110647) everything needed to pre-approve you and identify the best loan programs before any formal application is submitted.
A mortgage broker typically gets Virginia homebuyers a better rate because brokers shop your loan across hundreds of wholesale lenders, while banks offer only their own products at retail pricing. Old Dominion Mortgages has access to 500+ lenders, giving borrowers a structural pricing advantage that retail banks and direct lenders cannot match.
Old Dominion Mortgages offers the full spectrum of Virginia loan programs including FHA, VA (down to 500 FICO), Conventional, USDA Rural Development (zero down), Jumbo, Non-QM, DSCR investor loans, bank statement loans, down payment assistance (Dynamo DPA and Turbo DPA), and refinance options including VA IRRRL and FHA Streamline. All programs are available through Duane Buziak, NMLS #1110647, licensed in VA, FL, TN, and GA.
Operated by Duane Buziak Mortgage Maestro, Coast2Coast Mortgage, LLC NMLS: 376205 / Duane Buziak NMLS#1110647 / NMLS Consumer Access / Legal Disclaimer – “Equal Housing Lender” This information is not intended to be an indication of loan qualification, loan approval or commitment to lend.
