For homebuyers in Richmond, Chesterfield, Henrico, Fredericksburg, Virginia Beach, and across Virginia, FHA loans remain one of the most accessible paths to homeownership. They accept credit scores as low as 500 and down payments as low as 3.5%. But “accessible” doesn’t mean “one-size-fits-all.”
FHA loan rates vary meaningfully from lender to lender. The difference between a well-shopped rate and an unshopped one can translate to tens of thousands of dollars over the life of a 30-year mortgage. That’s not a small rounding error. That’s a car payment, a college fund, or years of retirement savings.
This guide breaks down seven concrete strategies Virginia homebuyers can use to secure the most competitive FHA loan rate possible. Each section covers credit preparation, lender comparison, mortgage insurance math, timing, and negotiation — with worked examples, comparison tables, and direct Q&A to help you make confident, informed decisions.
Whether you’re a first-time buyer in Midlothian, refinancing in Williamsburg, or exploring options after a bank or credit union turned you down, these strategies apply directly to your situation.
Author: Duane Buziak, Mortgage Maestro, NMLS#1110647 | Licensed in VA, FL, TN, GA
1. Understand What Actually Drives Your FHA Rate
The Challenge It Solves
Most borrowers walk into the FHA process thinking there’s a single published rate they either qualify for or don’t. The reality is more nuanced. Your specific FHA rate is the product of at least four distinct variables — and understanding each one gives you leverage to improve your position before you ever submit an application.
The Strategy Explained
Four factors determine the rate a lender quotes you on an FHA loan:
Credit Score Tier: FHA loans are priced in tiers. Borrowers at 620+ receive the most competitive pricing. Borrowers between 580 and 619 typically see higher rates. Borrowers between 500 and 579 face both a 10% down payment requirement and the least favorable rate pricing available under the FHA program. (Source: HUD Handbook 4000.1, HUD.gov)
Loan-to-Value Ratio (LTV): A 3.5% down payment creates a 96.5% LTV. A 10% down payment creates a 90% LTV. Lower LTV generally means lower risk to the lender, which can translate to improved rate pricing and lower annual MIP. Understanding your low down payment mortgage options can help you find the right balance between upfront costs and long-term rate savings.
Loan Term: A 30-year FHA loan carries a higher rate than a 15-year FHA loan. The tradeoff is payment size vs. total interest paid. Most Virginia homebuyers choose 30-year terms for payment flexibility.
Lender Margin: This is the factor most borrowers don’t think about. FHA sets minimum standards, but lenders set their own margins above the market rate. Two lenders looking at the identical borrower file can quote meaningfully different rates — because their margin, overhead, and wholesale access differ.
The MIP Factor: A Hidden Rate Equivalent
FHA mortgage insurance premium (MIP) functions as an additional cost that must be factored into any real rate comparison. FHA MIP has two components:
Upfront MIP: 1.75% of the base loan amount, typically financed into the loan. On a $300,000 loan: $300,000 × 1.75% = $5,250 added to the loan balance.
Annual MIP: For 30-year loans with LTV above 95%, the current annual MIP rate is 0.55% of the loan balance (verify current rates at HUD.gov MIP Schedule as rates are updated periodically). On a $305,250 financed loan: $305,250 × 0.0055 = approximately $1,678/year, or about $140/month added to your payment.
That $140/month is not principal, interest, taxes, or homeowner’s insurance. It’s mortgage insurance, and it continues for the life of the loan on most FHA loans originated with less than 10% down. Any rate comparison that ignores MIP is an incomplete comparison.
Credit Score Tier Reference Table
Credit Score 500–579: Minimum 10% down payment required | Higher rate pricing | Limited lender participation
Credit Score 580–619: Minimum 3.5% down payment | Standard to elevated rate pricing | Broader lender participation
Credit Score 620–659: Minimum 3.5% down payment | Competitive rate pricing | Full lender participation
Credit Score 660+: Minimum 3.5% down payment | Most competitive FHA pricing | All lenders | Conventional comparison recommended
Pro Tips
Before you request a rate quote from any lender, know which tier your credit score places you in. That knowledge tells you whether you’re getting a fair quote or whether a few weeks of credit optimization could move you into a better pricing bracket entirely. We’ll cover exactly how to do that in Strategy 4.
2. Shop Multiple Lenders — And Know What You’re Actually Comparing
The Challenge It Solves
The single most expensive mistake FHA borrowers make is accepting the first rate quote they receive. Many borrowers assume FHA rates are standardized across lenders the way a product price is standardized at a retail store. They aren’t. Lender margins, origination fees, and wholesale access create real pricing differences on identical borrower files.
The Strategy Explained
The Consumer Financial Protection Bureau (CFPB) recommends getting at least three Loan Estimates when shopping for a mortgage. The reason is straightforward: without comparison, you have no way of knowing whether the rate you’ve been quoted is competitive or not. A structured mortgage rate comparison across multiple lenders is one of the highest-return actions any Virginia homebuyer can take.
Here’s what a rate difference actually costs on a $300,000 FHA loan over time. These figures are illustrative calculations based on standard amortization math. Actual rates vary and change daily.
Scenario A — 6.75% Rate: Monthly principal and interest = approximately $1,946
Scenario B — 7.00% Rate: Monthly principal and interest = approximately $1,996
Monthly difference: approximately $50
5-year cumulative difference: approximately $3,000
30-year cumulative difference: approximately $18,000
A 0.25% rate difference on a $300,000 loan costs roughly $18,000 over 30 years. That is the financial consequence of not shopping.
Broker Channel vs. Retail Direct: A Structural Comparison
Understanding the structural difference between mortgage channels helps you shop more effectively. Knowing how to choose a mortgage lender — and what questions to ask — is foundational to getting the best available rate on your FHA loan.
Retail Direct Lenders (examples include Rocket Mortgage, Movement Mortgage, PrimeLending, Alcova Mortgage, CapCenter, and similar institutions): These lenders originate loans using their own products and rate sheets. They offer convenience, brand recognition, and often strong technology platforms. Their rate is their rate — they are not shopping across multiple wholesale sources on your behalf.
Mortgage Brokers with Wholesale Access: A broker with access to hundreds of wholesale lenders submits your file to multiple sources simultaneously and presents the most competitive pricing available across that pool. The structural advantage is breadth: more lenders competing for your loan means more pricing pressure in your favor.
Neither channel is inherently superior for every borrower. Retail lenders offer predictability and streamlined processes. Broker channels offer competitive range. The key is understanding what you’re comparing when you receive a quote.
Implementation Steps
1. Request Loan Estimates from at least three sources — including at least one broker and one retail lender — for direct comparison.
2. Compare the Annual Percentage Rate (APR), not just the interest rate. APR incorporates fees and gives a more complete cost picture.
3. Compare origination charges, lender fees, and discount points on Page 2 of each Loan Estimate side by side. The CFPB Loan Estimate explainer walks through each line item.
4. Request quotes within the same 45-day window. The CFPB notes that multiple mortgage inquiries within a 45-day window are typically treated as a single inquiry for scoring purposes under FICO models. (Source: CFPB)
Pro Tips
When comparing Loan Estimates, look at the “Projected Payments” section on Page 1 and the “Loan Costs” section on Page 2. A lender offering a lower rate while charging higher origination fees may not be the better deal. The math lives in the total cost comparison, not the rate headline.
3. Use a No-Touch Credit Pre-Qualification to Shop Without Score Damage
The Challenge It Solves
One of the most common reasons Virginia homebuyers delay mortgage shopping is fear of credit score damage. The concern is understandable: you’ve worked to build your credit, and the last thing you want is multiple lender inquiries pulling it down before you’ve even found a home. This concern, while valid in some contexts, often prevents borrowers from getting the rate information they need to make smart decisions.
The Strategy Explained
There is a meaningful difference between a soft credit pull and a hard credit pull. Understanding how to shop for a mortgage without hurting your credit is one of the most practical skills a Virginia homebuyer can develop before entering the market.
Soft Pull (No Score Impact): A soft inquiry accesses your credit file for informational purposes and does not affect your credit score. Pre-qualification using soft-pull technology falls into this category. You can explore rate scenarios, understand your likely pricing tier, and compare options without any score impact.
Hard Pull (Score Impact Possible): A hard inquiry occurs when a lender formally pulls your credit as part of a full mortgage application. This can have a temporary impact on your score. As noted above, multiple mortgage hard pulls within a 45-day window are generally treated as a single inquiry under FICO scoring models.
Vantage Score 4.0 and Safe Pre-Qualification
VantageScore 4.0 uses trended credit data and is increasingly used for soft-pull pre-qualification processes. (Source: VantageScore.com) This means a lender or broker using VantageScore 4.0 methodology can provide a meaningful pre-qualification assessment — including likely rate tier and program eligibility — without triggering a hard inquiry on your credit report.
This matters practically for Virginia homebuyers who are still in the exploration phase. If you’re in Richmond, Chesterfield, Fredericksburg, or anywhere else in Virginia and you’re not yet ready to commit to a full application, a NoTouch Credit pre-qualification gives you actionable rate information with zero score risk.
Direct Q&A
Q: Will shopping for an FHA loan hurt my credit score?
A: Not necessarily. If you use a soft-pull pre-qualification first, there is no score impact at all. When you do move to formal applications, the CFPB confirms that multiple mortgage inquiries within a 45-day window are typically treated as a single inquiry for scoring purposes. Shopping intelligently does not damage your credit.
Q: How accurate is a soft-pull pre-qualification?
A: A soft-pull pre-qualification using VantageScore 4.0 gives you a reliable picture of your credit tier, likely program eligibility, and approximate rate range. It is not a commitment to lend, and a full underwriting review will follow — but it gives you the baseline information needed to compare lenders meaningfully before any hard pull occurs.
Implementation Steps
1. Request a NoTouch Credit pre-qualification before submitting any formal mortgage applications.
2. Use the pre-qualification output to understand your current credit tier and approximate rate range.
3. Identify whether a modest credit score improvement would move you into a better pricing tier before you proceed (see Strategy 4).
4. When ready to formally apply, submit applications to multiple lenders within the same 45-day window to consolidate inquiry impact.
Pro Tips
A soft-pull pre-qualification is also useful as a negotiating tool. When you know your approximate rate tier going in, you can identify immediately whether a lender’s quote is competitive or inflated — without having committed your credit to the process.
4. Optimize Your Credit Score Before Locking — Even 20 Points Can Change Your Rate Tier
The Challenge It Solves
Many borrowers treat their current credit score as fixed — a number that is what it is. In reality, credit scores respond to specific actions over predictable timeframes. A borrower sitting at 578 who takes targeted steps over 60 to 90 days may move into the 580+ tier, unlocking 3.5% down payment eligibility. A borrower at 615 who reaches 620 may access meaningfully better rate pricing. The gap between tiers is sometimes smaller than borrowers realize, and the financial reward for crossing it is real.
FHA Credit Score Tiers and Their Direct Impact
500–579: Eligible for FHA with 10% minimum down payment. Rate pricing is least favorable. Fewer lenders participate at this tier.
580–619: Eligible for FHA with 3.5% minimum down payment. Rate pricing is standard to elevated. Broader lender participation.
620+: Eligible for FHA with 3.5% down. Most competitive FHA rate pricing. Full lender participation. At 660+, conventional loan comparison becomes increasingly important.
The jump from 579 to 580 is not just a number change. It changes your minimum down payment from 10% to 3.5% — on a $300,000 purchase, that’s the difference between $30,000 and $10,500 out of pocket at closing. Understanding what credit score mortgage lenders actually require in Virginia helps you set realistic targets before you begin the optimization process.
Implementation Steps
1. Pull your credit report first. Review all three bureaus at AnnualCreditReport.com for errors, outdated negative items, or accounts that shouldn’t be there. Dispute inaccuracies directly with the bureaus. Corrections can produce score movement within 30 to 45 days.
2. Reduce credit card utilization. Credit utilization — the ratio of your balance to your credit limit — is one of the highest-impact scoring factors. Paying down revolving balances to below 30% of the limit (and ideally below 10%) can produce meaningful score improvements within one to two billing cycles.
3. Avoid opening new accounts. New credit applications create hard inquiries and reduce average account age. Both can temporarily lower your score. In the 90 days before a mortgage application, avoid opening any new credit accounts.
4. Don’t close old accounts. Closing an old credit card reduces your total available credit and can increase your utilization ratio. Keep older accounts open and lightly used.
5. Address any collections or delinquencies strategically. Not all collections need to be paid to improve your score. Consult with a mortgage professional before paying off old collections, as doing so can sometimes temporarily lower scores under certain scoring models. A pre-qualification conversation with a knowledgeable lender can help you sequence this correctly.
Timing Your Credit Optimization
If your home search timeline is 3 to 6 months out, you have a meaningful window for credit improvement. If you’re 30 to 60 days from making an offer, focus only on the highest-impact, lowest-risk actions: utilization reduction and dispute corrections. Aggressive credit repair in the final weeks before application can sometimes create instability in your file.
Pro Tips
Start with a NoTouch Credit pre-qualification to establish your baseline score and tier. Then ask your mortgage professional specifically which factor is most limiting your score — and what the realistic improvement timeline looks like. A good lender will tell you whether waiting 60 days for a score bump is worth it given your purchase timeline and the rate difference at stake.
5. Do the MIP Breakeven Math Before Choosing FHA Over Conventional
The Challenge It Solves
FHA loans are often described as the “lower cost” option for borrowers with less-than-perfect credit or limited down payment funds. That description is sometimes accurate — and sometimes not. The full cost of an FHA loan includes mortgage insurance premium that does not automatically cancel the way conventional PMI does. Before choosing FHA, every borrower should run the MIP math to understand the total cost picture and when an exit strategy makes financial sense. A detailed FHA vs. conventional loan comparison for your specific credit score and down payment is the clearest way to determine which program actually costs less over your expected ownership period.
Full FHA MIP Cost Structure — Worked Math
Using a $300,000 purchase price with 3.5% down (loan amount: $300,000):
Upfront MIP Calculation:
$300,000 × 1.75% = $5,250 upfront MIP
Typically financed into the loan: New loan balance = $305,250
(Source: HUD.gov MIP Schedule — verify current rates before application)
Annual MIP Calculation (30-year loan, LTV above 95%):
Current annual MIP rate: 0.55% (verify at HUD.gov as rates are updated periodically)
$305,250 × 0.0055 = $1,678.88 per year
Monthly MIP = $1,678.88 ÷ 12 = approximately $139.91/month
This $139.91 per month is added to your principal, interest, taxes, and insurance payment. It is not equity-building. It is insurance cost.
Important: For FHA loans originated with less than 10% down, annual MIP continues for the life of the loan. For loans with 10% or more down, MIP cancels after 11 years. This is a structural difference from conventional PMI, which cancels automatically when the loan reaches 80% LTV.
MIP Breakeven Refinance Analysis
Many FHA borrowers plan to refinance into a conventional loan once they build sufficient equity to eliminate MIP. Here is how to calculate whether and when that makes financial sense:
Monthly savings from eliminating MIP: approximately $139.91 (from example above)
Estimated refinance closing costs: $4,000 to $6,000 (typical range; actual costs vary)
Breakeven calculation using $5,000 closing cost assumption:
$5,000 ÷ $139.91 = approximately 35.7 months, or roughly 3 years
After approximately 3 years, every subsequent month saves money. If you plan to stay in the home beyond that breakeven point, refinancing out of FHA MIP at the right equity threshold is financially advantageous. Virginia homeowners navigating this decision can benefit from reviewing how to refinance your current mortgage to understand the full process before committing.
FHA vs. Conventional Total Cost Comparison
Borrower with 620–639 Credit Score, $300,000 loan, 3.5% down:
FHA: Lower rate available, but adds $5,250 upfront MIP + ~$140/month ongoing MIP for life of loan
Conventional: Higher rate likely at this score tier, PMI required but cancels at 80% LTV (typically 7–10 years depending on appreciation and extra payments)
Borrower with 660+ Credit Score, $300,000 loan, 5% down:
FHA: Rate competitive, but lifetime MIP is a significant long-term cost
Conventional: PMI cancels, total long-term cost often lower despite similar or slightly higher initial rate
The crossover point where conventional becomes cheaper than FHA depends on your credit score, down payment, how long you plan to stay in the home, and current market rates. A mortgage professional can run this comparison for your specific numbers.
Pro Tips
Don’t make the FHA vs. conventional decision based on the monthly payment alone. Run the total cost over your expected ownership period. For borrowers who plan to stay in a home for more than 7 to 10 years with a credit score above 660, conventional often wins on total cost despite a potentially higher starting rate.
6. Bring Competing Offers — Rate Matching and Lender Negotiation Is Real
The Challenge It Solves
Most borrowers don’t realize that FHA rates are not fixed retail prices. Lender margins and origination fees are negotiable components of your total loan cost. A competing Loan Estimate is one of the most effective negotiating tools a borrower can hold. Using it correctly can reduce your rate, lower your fees, or both.
What Is Negotiable on a Loan Estimate
The CFPB Loan Estimate is a standardized three-page document every lender must provide within three business days of a full application. Knowing what’s negotiable on that document gives you leverage. Working with an experienced mortgage broker in Virginia who understands how to use competing offers strategically can make a measurable difference in your final rate and fees.
Origination Charges (Page 2, Section A): This includes the lender’s origination fee and any discount points. These are directly negotiable. A competing offer with lower origination charges gives you a basis to ask your preferred lender to match or improve their terms.
Interest Rate: Lenders have pricing flexibility within their rate sheets. Presenting a competing Loan Estimate with a lower rate is a legitimate and commonly used negotiating approach. Some lenders will match; others will not. Either way, you learn something valuable.
Lender Credits: In some rate environments, lenders can offer credits toward closing costs in exchange for a slightly higher rate. Understanding this tradeoff — and whether it makes sense for your timeline — is part of an informed negotiation.
Third-Party Fees (Page 2, Sections B and C): Title, settlement, and appraisal fees vary. Some are shoppable, meaning you can select your own provider. The Loan Estimate will indicate which services you can shop for.
Direct Q&A: Broker Channel vs. Retail Direct Lenders
Q: How does a mortgage broker compare to Rocket Mortgage, Movement Mortgage, or other retail direct lenders for FHA loans?
A: This is a fair and important question. Retail direct lenders like Rocket Mortgage, Movement Mortgage, PrimeLending, Alcova Mortgage, CapCenter, and others offer their own products from their own rate sheets. They bring real advantages: established technology platforms, recognizable brands, and streamlined processes. Their rate is competitive within their own product set.
A mortgage broker with access to hundreds of wholesale lenders does something structurally different: they submit your file to multiple wholesale sources and return the most competitive pricing across that pool. The broker’s advantage is breadth. The retail lender’s advantage is simplicity and brand familiarity.
Q: Is one channel always better than the other?
A: No. The best outcome depends on your specific file, the current rate environment, and which lenders are most competitive at your credit tier and loan size on any given day. The honest answer is that shopping across both channels — getting quotes from retail lenders and from a broker — gives you the most complete picture of what’s available.
Q: What makes Better Mortgage Rates different from a single retail lender?
A: The structural difference is access. A broker relationship with hundreds of wholesale lenders means your file is priced across a wider competitive pool than any single retail lender can offer. Combined with NoTouch Credit pre-qualification and a process designed to protect your score during comparison shopping, the approach is built around giving Virginia homebuyers more options — not fewer.
Implementation Steps
1. Collect at least two to three Loan Estimates before negotiating with any single lender.
2. Identify the lender you prefer to work with based on rate, fees, and service quality combined.
3. Present the competing Loan Estimate directly and ask whether they can match or improve the terms.
4. Compare the final revised Loan Estimates line by line before making your decision.
Pro Tips
Negotiation works best when you’re comparing apples to apples. Make sure competing Loan Estimates reflect the same loan amount, term, and lock period before presenting them as leverage. A lender comparing a 60-day lock to your 30-day lock quote is not making a fair comparison.
7. Know When FHA Is the Right Tool — And When It Isn’t
The Challenge It Solves
FHA loans are powerful for the right borrower profile. They are not always the lowest-cost option, and for some borrowers — including those with strong credit, larger down payments, or non-traditional income — other loan programs may serve better. Understanding where FHA wins, where it doesn’t, and what alternatives exist prevents borrowers from defaulting to a program that costs them more than necessary.
FHA vs. Conventional vs. USDA: Structured Comparison
FHA Loan:
Minimum Credit Score: 500 (10% down) / 580 (3.5% down) | Minimum Down Payment: 3.5% (580+) | DTI Flexibility: Up to 57% with compensating factors | MIP/PMI: Upfront 1.75% + annual 0.55% (life of loan if less than 10% down) | Best For: Lower credit scores, limited down payment, flexible DTI needs
Conventional Loan:
Minimum Credit Score: Typically 620+ | Minimum Down Payment: 3% (some programs) to 5% | DTI Flexibility: Generally up to 45–50% | MIP/PMI: PMI required below 20% down; cancels at 80% LTV | Best For: Credit scores 660+, borrowers planning to build equity and eliminate PMI. Review the full conventional loan Virginia requirements to see whether you qualify for a program that avoids lifetime MIP entirely.
USDA Loan:
Minimum Credit Score: Typically 640+ | Minimum Down Payment: 0% (eligible rural areas) | DTI Flexibility: Generally up to 41–45% | MIP/PMI: Upfront guarantee fee + annual fee (lower than FHA MIP) | Best For: Rural and suburban eligible areas, income-qualified borrowers, zero down payment need
Note: USDA geographic eligibility applies to specific areas. Virginia homebuyers in Goochland, Louisa, Caroline County, Hanover, Ashland, Lake Anna, and parts of Spotsylvania and Stafford may find USDA eligibility worth verifying. Check current eligibility maps at USDA.gov.
Borrower Profiles: Where Each Program Wins
FHA wins clearly when: Credit score is below 640, down payment is limited to 3.5%, debt-to-income ratio is elevated, or the borrower has had a recent credit event (bankruptcy, foreclosure) within the FHA waiting period guidelines.
Conventional becomes the better choice when: Credit score is 660 or above, the borrower can put 5–10% or more down, and the plan is to stay in the home long enough for PMI cancellation to eliminate that cost layer. At equivalent credit scores, conventional avoids lifetime MIP.
Non-QM or bank statement loans serve borrowers who: Are self-employed with strong income but non-traditional documentation, have been turned down by a bank or credit union due to income documentation requirements, or have investment properties requiring DSCR (Debt Service Coverage Ratio) loan structures. These borrowers often assume FHA is their only option after a bank rejection — when in reality, non-QM mortgage programs may offer competitive terms for their specific situation.
Virginia-Specific Context
In markets like Henrico County, where median home prices have been in the $390,000–$430,000 range (verify current data with Virginia REALTORS®), the FHA standard loan limit of $524,225 for single-family homes covers the majority of purchase transactions. (Source: HUD FHA Mortgage Limits — verify current year limits before application.) Borrowers in higher-priced markets should confirm their specific county’s FHA limit before assuming program eligibility.
Implementation Steps
1. Identify your credit score tier and down payment amount before selecting a loan program.
2. Run a side-by-side total cost comparison of FHA vs. conventional for your specific numbers, including MIP vs. PMI duration.
3. If you’ve been turned down by a bank or credit union, ask a broker specifically about non-QM, bank statement, or DSCR loan options before assuming you don’t qualify for any program.
4. Verify FHA loan limits for your specific Virginia county at HUD.gov before beginning the application process.
Pro Tips
The right loan program is the one with the lowest total cost over your expected ownership period — not the one with the lowest monthly payment in month one. A mortgage professional who can model multiple programs side by side gives you the clearest picture of which tool actually fits your situation.
Your Implementation Roadmap
Seven strategies. One clear sequence. Here’s how to put it into action:
Step 1: Start with a NoTouch Credit pre-qualification. Understand your current rate tier without any score impact. This baseline tells you everything that follows — which program you qualify for, what rate range to expect, and whether credit optimization is worth pursuing before you lock.
Step 2: Identify your credit tier and whether a modest score improvement changes your pricing. The gap between 579 and 580 changes your down payment requirement. The gap between 619 and 620 changes your rate tier. If you’re close to a threshold, 60 to 90 days of targeted credit work may be the highest-return action you take in this entire process.
Step 3: Shop multiple lenders simultaneously. Get at least three Loan Estimates — including at least one from a broker with wholesale access and at least one from a retail direct lender. Compare APR, origination fees, and total loan costs on Page 2, not just the rate headline.
Step 4: Bring competing offers to the table. Negotiation is real. Lender margins and origination fees are negotiable. A competing Loan Estimate is your leverage.
Step 5: Do the MIP math before assuming FHA is always the right choice. For borrowers with credit scores above 660 and plans to stay in the home long-term, conventional may win on total cost. Run the numbers for your specific situation.
Step 6: If a bank or credit union has turned you down, know that broker access to hundreds of lenders means more options. Non-QM, bank statement, and DSCR programs serve borrowers who don’t fit standard FHA or conventional boxes. Rejection from one institution is not rejection from the market.
Duane Buziak, Mortgage Maestro (NMLS#1110647), serves homebuyers across Virginia — including Richmond, Chesterfield, Henrico, Fredericksburg, Spotsylvania, Williamsburg, Virginia Beach, Hampton Roads, Roanoke, and Lynchburg — as well as Florida, Tennessee, and Georgia. Learn more about our services.
