About Duane

FAST, FREE No Obligation PreApprovals 7 days a week. Soft touch credit allows you to shop as well as obtain PreQuals and full loan estimates without a credit hit! Whatever is most important to you is most important to me.

When saving money or closing on time is of the utmost importance, I am the one call to make. Send me your best so we can compare.

My background includes being an AVP at 5 separate banks including Bank of America, and several years in commercial, investment, banking, management, and insurance. My first official venture into mortgage specifically was Embrace HomeLoans, followed by Movement Mortgage and stints with LoanDepot, Gateway Mortgage, LandHome, American Pacific and Barrett Financial before settling at Coast2Coast Mortgage. My current portfolio includes lenders you know like PennyMac, UWM, NewRez, Freedom Mortgage, Nations, AmerisBank, FirstFederal, AmeriTrust, LoanUnited, American Financial Resources (AFR), CMG Mortgage, Cardinal, JET Mortgage, Kind Lending, Mutual Of Omaha, PRMG, SunWest, Towne Mortgage, Village Capital, Windsor and hundreds more. Money management is all I know. If you are looking to buy a home whether the first time or the fifth time let me ensure a smooth process with fast turn times and upfront underwriting options to ensure no hiccups, pricing that dares to compare, and of course closing on time! 

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How to Avoid PMI on Your Mortgage: A Step-by-Step Guide for Virginia Homebuyers

Virginia homebuyers can learn how to avoid PMI on a mortgage using multiple lender-approved strategies — from VA loans and piggyback financing to lender-paid PMI and accelerated equity building — potentially saving $1,800 to $3,600 annually on homes in the $390,000–$430,000 median price range common across Richmond, Henrico, and Chesterfield County.

7 Smart Strategies to Use a Local Mortgage Broker in Virginia (And Why It Changes Everything)

Virginia homebuyers working with a local mortgage broker gain access to hundreds of lenders simultaneously, credit-protective rate shopping, and faster closings than traditional retail banks can offer. This practical guide covers seven actionable strategies for buyers, refinancers, and investors across Richmond, Chesterfield, Henrico, and beyond to navigate the mortgage process smarter.

How to Shop for a Mortgage Without Hurting Your Credit Score: A Step-by-Step Guide

Virginia homebuyers can shop for the best mortgage without hurting credit score by understanding how credit bureaus treat rate-shopping inquiries — multiple mortgage pulls within a 14–45 day window count as a single inquiry under FICO scoring rules. This step-by-step guide explains soft pull pre-qualification, strategic hard inquiry timing, and how to use competing lender offers to negotiate better rates and fees.

Mortgage Terms Explained: A Plain-English Guide for Virginia Homebuyers

This plain-English mortgage glossary helps Virginia homebuyers decode confusing loan documents, covering essential mortgage terms explained through the lens of real Richmond-area numbers—including the 2025 conforming loan limit of $806,500, DTI thresholds, APR vs. interest rate distinctions, and closing cost breakdowns—so buyers in Chesterfield, Henrico, and beyond can make informed decisions at every stage of the loan process.

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