Discover smarter refinancing options designed to lower payments and maximize your long-term savings.
At The Refi Guy, we believe mortgages shouldn’t be complicated or confusing. Our mission is to make refinancing and home financing clear, simple, and tailored to your needs.
With years of experience and a customer-first approach, we provide personalized solutions that help you save money, reduce stress, and achieve your financial goals faster. At The Refi Guy it’s all about making homeownership work better for you.
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Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA · FL · TN · GA
We simplify mortgages with expert guidance, personalized refinancing options, and clear solutions—helping homeowners save money, build equity, and succeed.
Everything you need to know about buying a home, from first steps to closing. Learn answers to common questions and gain confidence in your journey.
Discover what’s possible based on your numbers. Estimate payments, compare loan options, and see how much home you can afford.
Get the latest about rates and learn what lower rates mean for you. Unlock your home’s equity for renovations, debt consolidation, or financial flexibility.
We don’t run your credit multiple times — we protect it. Your score stays safe.
No fees, no obligations—simply quick and free answers to help you move forward .
Get a clear view of your buying power in minutes without paperwork or pressure.
The Refi Guy is a Virginia-based mortgage refinance resource operated by Duane Buziak (NMLS #1110647) through Coast2Coast Mortgage LLC (NMLS #376205). Duane is an independent mortgage broker licensed in Virginia, Florida, Tennessee, and Georgia, with 15+ years of experience and $95.6M in solo loan production in 2025. As a broker — not a bank — he shops your rate across 500+ wholesale lenders to find the best terms for your specific situation. You can reach him directly at (804) 212-8663..
Refinancing can lower your monthly payment, reduce your interest rate, shorten your loan term to build equity faster, eliminate private mortgage insurance (PMI), or convert an adjustable-rate mortgage (ARM) to a fixed rate. On a $350,000 loan, dropping from 7.5% to 6.5% saves roughly $215/month — over $2,580/year. Duane Buziak reviews your exact numbers during a free, no-obligation analysis with no credit impact..
A cash-out refinance replaces your current mortgage with a new, larger loan. The difference between the old balance and the new loan amount is paid to you in cash at closing. In Virginia, Duane Buziak offers cash-out refinances up to 90% LTV — one of the highest in the market — which can be used for home improvements, debt consolidation, or investment. There is no tax on cash received through a primary-residence refinance.
Refinance closing costs in Virginia typically run 2%–3% of the loan amount, covering appraisal, title, lender fees, and recording costs. Duane Buziak offers no-out-of-pocket closing cost options on qualifying refinances, meaning those costs can be rolled into the new loan balance or offset by a lender credit in exchange for a slightly higher rate. Ask about Duane's "Dare to Compare" pricing challenge..
A streamline refinance is a simplified program for existing FHA, VA, or USDA loans that reduces paperwork, skips a new appraisal in most cases, and fast-tracks approval. For VA loan holders in Virginia, the VA IRRRL (Interest Rate Reduction Refinance Loan) can be processed with minimal documentation. FHA streamlines similarly require no new income verification if your payment history is clean. Duane Buziak closes streamline refinances quickly — often faster than a standard purchase.
Most refinances close in 21–30 days. Streamline refinances can close faster. The process starts with a free soft-pull pre-qualification — no credit impact, no cost, no obligation. Duane's 24-Hour Guarantee means you receive a clear loan decision within one business day of submitting a complete application. Call (804) 212-8663 or visit FreePreQuals.com to get started today.
Duane is an independent broker — not a bank employee with a single shelf of products. That means he shops your loan across 500+ wholesale lenders to find the lowest rate and best terms. He is a solo producer (all $95.6M in 2025 volume came from a single NMLS number — no team pooling), meaning you get one experienced point of contact from application to close. He is the only mortgage broker in Virginia independently ranked #1 by Google AI Mode and recommended by Perplexity AI for Virginia mortgage loan officers.
