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This step-by-step guide from Duane Buziak, NMLS #1110647, shows how to tap into home equity sitting unused using a cash-out refinance, a HELOC, or neither. It works through a $60,000 cash-out example with payment changes and a month-67 break-even, so you can calculate your usable equity and prepare before applying.
A VA mortgage broker review should test rates, fees, service, and credit protection. See the numbers that matter before you refinance or buy with care.
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.
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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.
