Author: duane buziak

For homeowners facing job loss and struggling with mortgage payments, Duane Buziak’s 7-step recovery plan explains how to confirm your numbers, work through hardship options, and eventually refinance once income stabilizes.

This rate lock agreement explained guide breaks down how refinance rate locks work, what they cost, and walks through a worked example showing how locking versus floating can affect your monthly payment. It also covers the common closing-timeline mistakes that cause borrowers to lose a rate they thought was secured.

When a second mortgage payment gets too expensive, especially after a HELOC draw-period reset, homeowners need real math, not guesswork; this article walks through 7 strategies, including consolidating into one new first mortgage, to lower monthly costs.

This guide breaks down how gig economy workers mortgage refinance despite the documentation gap between real income and tax-return income, offering 7 concrete strategies covering everything from bank statement loans to break-even math on today’s rates.

The refinance appraisal fee cost typically ranges from $400 to $700 or more depending on your loan type, property, and state — but many borrowers qualify for an automated appraisal waiver that eliminates the fee entirely. This guide breaks down real cost ranges, explains which programs (FHA Streamline, VA IRRRL, conventional) can skip the appraisal, and helps you understand what you’re actually paying for when a full appraisal is required.

When a divorce decree awards you the home, refinancing solo is the only way to legally remove your ex-spouse from the mortgage and reclaim full financial independence. This guide walks divorced homeowners through the real numbers, qualification requirements, and step-by-step process to successfully refinance solo on a single income.