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This article explains how does refinancing work by walking through the five steps of a mortgage refinance, from pre-qualification to closing, using a real rate example. Duane Buziak, NMLS #1110647, breaks down the difference between rate-and-term and cash-out refinancing with a worked break-even calculation.
This guide breaks down the Trid Disclosure Timeline Refinance rules day by day, explaining the mandatory waiting periods between your Loan Estimate and closing so you know exactly when you can sign. It also covers what can reset the clock and how to avoid the delays that trip up most refinance borrowers.
Why do mortgage rates change? See what moves pricing, how refinance options differ, and when a soft credit pull can help you plan your next move today.
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.
Learn how to evaluate rate locks, compare fees and timing, and protect your refinance savings with clear math before you commit for a smarter decision.
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.
Are discount points worthwhile? See the refinance break-even math, rates, taxes, and loan-term tradeoffs before paying upfront to lower your rate today.
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.
