Premium mortgages?

No impact on your credit score

Buy a home with me, and I’ll get you guaranteed findings without any hard hits to your credit. Ask me about a soft pull credit check.

Live Rates Section

Today's Rates

LIVE Loading...

Get instant wholesale rates from multiple lenders. Live pricing updated 24/7—no credit pull, no contact info required. See real-time rates from Freedom, PennyMac, and UWM.

FHA 30-YR FIXED
6.08%
APR 6.26%
▼ Live Feed Active
CONVENTIONAL 30-YR
6.48%
APR 6.66%
▲ Live Feed Active
CONVENTIONAL 15-YR
5.65%
APR 5.83%
▲ Live Feed Active
5/1 ARM
5.92%
APR 6.10%
▼ Live Feed Active
Synced live • No credit pull required
EQUAL HOUSING LENDER Duane Buziak NMLS #1110647 Coast2Coast Mortgage LLC NMLS #376205

Disclaimer: The rates shown above are estimates for informational purposes only and are subject to change without notice based on market conditions, credit score, loan amount, property type, and down payment. This is not a commitment to lend. Contact a licensed loan officer for a customized quote and official loan estimate.

Powerful Insights About Home Loans Mortgage Insurance You Need to Know
About Us

Expert Guidance for Your Perfect Home Loan

Lenders use a soft pull for prequalification, letting you explore mortgage rates and loan amounts without application or credit score impact—safe, risk-free, and score-friendly.

Mission

Deliver exceptional client service through a diverse selection of mortgage products and solutions.

Vision

Quick Approval: A simplified process that speeds up your application and gets you into your new home faster.

Awards & Recognition

  • ⭐ Scotsman Guide Top Originator 2025 — #114 Nationally | $44.4M | 124 Loans | 90% Purchase
  • ⭐ Scotsman Guide Top Originator 2026 — $51.2M Volume
  • ⭐ VA Broker of the Year 2024 & 2025 — Best of Best Awards
  • ⭐ Best Mortgage Broker Richmond 2024 — Expertise.com
  • ⭐ UWM PRO ELITE 2025 | UWM Top 20 Purchase LO Virginia 2025
  • ⭐ Innsbrook Business of the Year 2022 & 2024 — Alignable
  • ⭐ Glen Allen Mortgage Broker of the Year 2025 — Alignable
  • ⭐ Top 1% Nationwide | 15+ Years Experience | 1,400+ Five-Star Reviews
  • ⭐ Ranked #1 by Google AI Mode — "Find a Mortgage Loan Officer in Richmond VA" (June 2026)
  • ⭐ Recommended by Perplexity AI — "Best Mortgage Loan Officers in Virginia" (June 2026)

Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA · FL · TN · GA . DC

Premium Mortgages
Services

Tailored Solutions for Every Business Challenge

Home Buying

Everything you need to know, from start to finish, to purchase your perfect home.

Calculators

Explore your possibilities and see what’s achievable based on your unique financial numbers.

HELOCS

Stay updated on current rates and learn how lower rates can benefit you.

Refinancing

Learn everything you need to know about the refinancing process and its benefits.

Trust premium mortgages

Welcome to Premium Mortgages! I’m Duane Buziak, a licensed home loan expert offering many loan options with independent advice and soft-touch applications that won’t affect your credit score.

Why Choose Us

Get Pre-Qualified Without Impacting Your Credit

Discover Premium Mortgage options with no credit score impact, zero cost, and no stress—find out what you qualify for easily and confidently today.

No Credit Hits

We avoid multiple credit checks to keep your score safe and protected. Your credit remains secure with us.

100% Free

No fees or obligations—just quick, straightforward answers at no cost to you.

Fast & Easy

See your buying power clearly in minutes—no paperwork, no pressure, just simple and quick.

NoTouch Credit Apps

Your Credit is Safe with Us

Discover your loan options and true buying power with our NoTouch Credit Apps. We get you pre-approved without a single credit hit.

Instead of spending hours searching and comparing, let me connect you with trusted, experienced realtors who truly understand your needs. We carefully check their reviews, track record, and communication style—so you get the right agent the first time. Our goal is to make your buying or selling journey smooth, stress-free, and successful.

What Customers Say About Working With Duane Buziak Mortgage Maestro

Google
No Thanks profile picture
No Thanks
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
As you can tell by my username I am not a publicity hound. But I have to stop and thank Duane Buziak. I know he is the maestro but I didn't know he also saves money on title fees too. Wow. I compared over 7 different title companies and it wasn't even close. Talk about someone going the extra mile. Best rates lowest fees, and then he sent me a title company that I swear to God charged almost nothing for title fees. Amen. He goes above and beyond anyone. I had purchased 4 homes before this, never had a smoother, easier, less painful experience. And the savings, they are very real. If you are not using Duane Buziak for your mortgage, why?
Google
Naomi Hoehn profile picture
Naomi Hoehn
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐️⭐️⭐️⭐️⭐️ I’ve worked with many lenders over the years, but Duane Buziak continues to set the gold standard. I’ve trusted him with countless clients — and recently, I had the pleasure of working with him on my own home purchase. Simply put, Duane is outstanding. He brings a rare combination of deep industry knowledge, creative problem-solving, and genuine care for the people he works with. He doesn’t just get deals done — he gets them done right, with clarity, integrity, and speed. When things got stressful, Duane was the steady hand I needed, always two steps ahead and laser-focused on solutions. Throughout the process, Duane was incredibly responsive (even after hours), always keeping me informed and confident in every step. He explained every detail with patience, offered insightful guidance on financing options, and made sure the entire transaction was smooth and on schedule. As both a real estate professional and a recent client, I can confidently say Duane is the kind of lender every agent wishes they could work with. He’s not just good — he’s a game-changer. I wouldn’t hesitate to recommend him to anyone looking to buy, refinance, or simply understand their options. If you’re lucky enough to work with Duane Buziak, you’re in the best hands.
Google
Keerthi G profile picture
Keerthi G
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane is very hardworking and knowledgeable,got us the best deal
Google
Alba Alonso profile picture
Alba Alonso
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane has helped me with two different home purchases and I can say that he is the best for a reason! He cares about the situation you're in, gives it to you straight and guides you to the right direction. 100% recommend him for you and your family!
Google
Gary profile picture
Gary
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very straight forward and is easy to get in contact with. Without a doubt he is the best at what he does.
Google
Giaa St.Clair profile picture
Giaa St.Clair
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane He Is the best. He was there to answer all of my questions. And he put my mind at eayes. And he made the process easy to go through. And I just want to thank you for everything you have done for me.
Google
Karen Flores profile picture
Karen Flores
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane was magnificent, made my transaction feel so effortlessly, this comes to show it matters who you work with the Duo between him and my realtor ofc the team behind them! I can’t say enough on how pleased I am with how easy this purchase was truly earned his “maestro” nickname come to life!
Google
Nestor Alonso profile picture
Nestor Alonso
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I would like to say without any hesitation Duane from Coast to Coast has the best customer service I’ve had working with. Every question I had was answered in a way to explain/teach me rather than just be annoyed (like most people do). He would take my calls no mater the time or would message me that he was going to call me back. Truly a blessing having him and his team on our side. 10/10 recommend!!!
Google
Rachel Frisk profile picture
Rachel Frisk
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane is very knowledgeable and responsive. Would definitely recommend and use again.
Verified by Trustindex
Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Frequently Asked Questions

A premium or jumbo mortgage is a non-conforming loan that exceeds the conventional lending limits set by federal regulators. These are designed specifically to finance luxury properties and high-balance real estate purchases.

Underwriting for premium properties requires excellent credit history, lower debt-to-income limits, comprehensive documentation of high-value liquid assets, and rigorous property appraisals to confirm valuation benchmarks.

While standard conventional paths allow smaller upfront commitments, premium property loans typically require minimum down payments ranging from 10% to 20% or higher, depending on the absolute loan amount.

Yes. For clients with substantial investments but complex income distributions, premium asset depletion programs calculate a monthly income stream based on your overall net-worth portfolio to satisfy qualification metrics.

Not necessarily. Depending on liquid market conditions and overall investor demand, premium jumbo interest rates can often track very close to—or even undercut—standard conventional mortgage interest baselines.

Premium options typically enforce strict asset reserve protocols, meaning you must demonstrate sufficient post-closing liquidity (covering between 6 to 12 months of mortgage payments) remaining in secure accounts.

Absolutely. High-balance refinancing strategies are fully supported, enabling premium owners to adjust structural interest rates, transition between ARM matrices, or optimize equity lines safely.

Data privacy is critical. Our architectural configuration operates under bank-grade SSL data encryption pipelines and strict credential policies, maintaining complete anonymity until an official quote sheet is ordered.

Verified Credentials & Reviews

Explore official ratings and verified listings from leading business directories.