Author: duane buziak

Duane Buziak explains what Respa compliance mortgage lenders must follow during a refinance, showing homeowners how to spot unexplained fee jumps between their Loan Estimate and Closing Disclosure. The guide breaks down RESPA red flags versus compliant lender practices so borrowers can protect themselves before signing.

This guide walks homeowners through seven college tuition funding options, comparing cash-out refinance strategies against HELOCs, 529 plans, and federal student loans using real payment and interest scenarios. It shows how to run the math on balance, rate, and remaining semesters before deciding whether tapping home equity makes sense for tuition costs.

This refinance timeline checklist homeowners can follow walks through Duane Buziak’s step-by-step process, from calculating your break-even point to checking credit and getting a soft-pull pre-qualification, so you refinance based on verified math rather than an unconfirmed rate quote.

This article breaks down seven mortgage refinance strategies tailored to physicians, dentists, and other high-earning clinicians, using a real Richmond anesthesiologist’s numbers to show how medical professionals mortgage refinance decisions should be driven by break-even math rather than headline rates.

Duane Buziak breaks down how much does it cost to refinance with a real worked example on a $350,000 loan, showing exact closing cost ranges and the break-even formula he uses with clients every day.

This guide walks Virginia homeowners through mortgage broker license verification Virginia requires before refinancing, showing how to confirm NMLS credentials in about five minutes using only the broker’s name. It highlights why confirming licensing matters just as much as comparing rates when real savings and sensitive financial documents are on the line.