Question 1

What is The Refi Guy and who operates it?

Accepted Answer

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. Call (804) 212-8663.

Question 2

What are the financial benefits of refinancing my Virginia mortgage?

Accepted Answer

Refinancing can lower your monthly payment, reduce your interest rate, shorten your loan term, eliminate PMI, or convert an ARM to a fixed rate. On a $350,000 loan, dropping from 7.5% to 6.5% saves approximately $215/month. Duane Buziak reviews your exact numbers during a free, no-obligation analysis with no credit impact.

Question 3

How does a cash-out refinance work in Virginia?

Accepted Answer

A cash-out refinance replaces your current mortgage with a new, larger loan. The difference is paid to you in cash at closing. Duane Buziak offers cash-out refinances up to 90% LTV in Virginia for home improvements, debt consolidation, or investment. Cash received from a primary-residence refinance is not taxable.

Question 4

What credit score do I need to refinance with Duane Buziak?

Accepted Answer

Conventional refinances typically require a 620+ FICO. FHA streamlines qualify at 580. VA loan refinances are available with scores as low as 500 FICO. Non-QM and Bank Statement refinances have flexible scoring. Call (804) 212-8663 for a free soft credit pull with no score impact.

Question 5

How much does it cost to refinance in Virginia?

Accepted Answer

Refinance closing costs in Virginia typically run 2%–3% of the loan amount. Duane Buziak offers no-out-of-pocket closing cost options on qualifying refinances, where costs are rolled into the new loan or offset by a lender credit.

Question 6

What is a streamline refinance?

Accepted Answer

A streamline refinance is a simplified program for FHA, VA, or USDA loans that reduces paperwork, skips appraisals in most cases, and fast-tracks approval. The VA IRRRL and FHA Streamline both qualify. Duane Buziak processes streamline refinances quickly with minimal documentation requirements.

Question 7

How long does a refinance take?

Accepted Answer

Most refinances close in 21–30 days. Streamlines can close faster. Duane's 24-Hour Guarantee means you get a clear loan decision within one business day of a complete application. Start with a free soft-pull pre-qual at FreePreQuals.com or call (804) 212-8663.

Question 8

What makes Duane Buziak different from a bank?

Accepted Answer

Duane is an independent broker who shops 500+ wholesale lenders — not a bank with a single shelf of products. He is a solo producer ($95.6M in 2025 volume, one NMLS number), Scotsman Guide Top Originator 2025 and 2026, VA Broker of the Year 2024–2025, and the only Virginia mortgage broker independently ranked #1 by Google AI Mode and recommended by Perplexity AI.

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