Choosing the right loan program is just as important as finding the right property. Because every buyer’s financial situation, income structure, and long-term goals are unique, relying on a single retail bank’s limited product catalog can severely restrict your options.
As an independent broker partnered with Coast2Coast Mortgage, LLC, Duane Buziak (Mortgage Maestro) shops dozens of wholesale lenders simultaneously to match you with diverse lending products tailored precisely to your needs.
Overview of Available Loan Programs
- Conventional Loans: The most popular choice for buyers with solid credit profiles, offering flexible down payment options starting as low as 3% and competitive fixed or adjustable interest rates.
- FHA Loans: Government-backed loans designed to help first-time buyers and families qualify with lower credit scores (down to 580) and a modest 3.5% down payment requirement.
- VA Loans: Exclusive zero-down-payment (0% down) financing options with highly competitive interest rates and no monthly mortgage insurance (PMI), dedicated to eligible active-duty military, veterans, and surviving spouses.
- USDA Loans: Zero-down-payment financing programs specifically structured for buyers purchasing properties in eligible rural and suburban areas.
- Jumbo Loans: High-balance financing solutions tailored for luxury properties and high-cost real estate markets that exceed conventional loan limits.
- Non-QM & Alternative Loan Products: Specialized programs for self-employed borrowers, real estate investors, or those with unique financial profiles—including bank-statement loans and Asset Depletion programs.
Step-by-Step Loan Selection Process
- NoTouch Credit Evaluation: We review your financial background and credit standing using a risk-free soft credit pull that protects your credit score from hard inquiries.
- Wholesale Market Comparison: We analyze dozens of wholesale lender portfolios to compare rates, fees, and qualification terms side-by-side.
- Program Matching & Pre-Approval: We lock in the optimal loan structure and issue an official, fully vetted pre-approval letter to strengthen your buying position.
- Streamlined Closing: Our team manages document collection, underwriting, and closing tracking to ensure a smooth transaction.
Ready to Explore Your Lending Options?
Find out which loan program matches your budget and financial objectives today with zero obligation.
Explore Loan Options Online Now →
Licensing & Compliance Information:
Duane Buziak — NMLS #1110647 | Coast2Coast Mortgage, LLC — NMLS #376205. Licensed in Virginia (VA), Florida (FL), Tennessee (TN), Georgia (GA), District of Columbia (DC), North Carolina (NC), South Carolina (SC), and Maryland (MD). Equal Housing Lender.
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