Tag: First Time Home Buyer Virginia

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.

Homeowners who feel stuck with high interest rate mortgage payments can choose from seven concrete strategies, including break-even refinance math, streamline refinancing, and PMI removal, to lower their costs. Mortgage broker Duane Buziak (NMLS #1110647) walks through real numbers to help readers decide whether refinancing now actually makes sense.

Duane Buziak breaks down how refinance for military veterans benefits work in 2026, comparing IRRRL, cash-out refinancing, and second-tier entitlement so veterans can choose the option that fits their goal, whether that’s a lower payment or cash in hand.

Duane Buziak, the Refi Guy, breaks down how lender credits to cover closing costs actually work, using a real $3,800 example to show the break-even point versus taking a lower rate. The guide compares credits to discount points and rolling costs into the loan so borrowers can see which option truly fits their timeline.

Duane Buziak reviews the top loan estimate comparison tool options homeowners can use to line up rate, APR, and fees across multiple refinance offers before locking a rate in 2026.