Refinance vs Loan Modification: 7 Strategies Duane Buziak Uses to Choose in 2026
October 16, 2026
No Comments
A practical guide to refinance vs loan modification.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
A practical guide to refinance vs loan modification.
The Fannie Mae high LTV refinance is a limited rate-and-term option for Fannie Mae-owned loans where little or no equity blocks a standard refinance. Duane Buziak, NMLS #1110647, explains 2026 eligibility, walks through a worked break-even example, compares alternatives, and flags where these refinances commonly stall.
Compare the best mortgage options veterans can use, from VA loans to IRRRL refinances, with costs, credit rules, and a clear break-even example today.
A practical guide to fha mortgage insurance expensive eliminate.
This 2026 guide from licensed mortgage broker Duane Buziak compares six ways to apply for a refinance and explains what a mortgage refinance application template should include. It covers document checklists, credit pull timing, supported loan types, and a worked break-even example showing a $300,000 loan at 6.00% paying off closing costs in about 23 months.
Learn how to calculate refinance break-even with real math, closing-cost details, and smart checks for rate-and-term, cash-out, and VA IRRRL loans today.
If your mortgage payment is eating your entire paycheck, this guide from Duane Buziak (NMLS #1110647) explains why payments outgrow what you can carry and which refinance levers lower them. It walks through real break-even math, such as a $320,000 loan dropping from 7.0% to 6.0% to save about $210 a month, and shows when refinancing is the wrong move.
A practical guide to TheRefiGuy help with home loans or car loans.
When a co-borrower needs to come off a mortgage — whether due to divorce, a dissolved partnership, or a family restructuring — a refinance to remove a co-borrower is almost always the only legally recognized path forward. This guide from Duane Buziak (NMLS #1110647) walks homeowners through the qualification hurdles, closing costs, and loan-type rules they need to understand before moving forward.
A Refinance Break-Even Calculator divides your total closing costs by your monthly payment savings to pinpoint the exact month your refinance starts paying off — the one number every homeowner must know before signing. Duane Buziak (NMLS #1110647) at Coast2Coast Mortgage walks through a real $380,000 Virginia loan scenario to show how skipping this calculation can cost you thousands.