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Duane Buziak, NMLS #1110647, breaks down the credit score needed for best mortgage rates, showing that top-tier conventional pricing generally starts around 740 to 760 and that a half-point rate gap on a $400,000 loan costs roughly $7,976 over five years. The guide also compares FHA, VA, and conventional score thresholds, explains the other factors that move your rate, and shows how to improve your score and compare offers without hurting it.
Mortgage consultant vs loan officer is mostly a question of marketing label versus regulated license. Duane Buziak (NMLS #1110647) shares 7 strategies to test licensing, lender access, and compensation, showing how a quarter-point rate gap on a $400,000 loan costs about $65 a month, or roughly $3,900 over five years.
A practical guide to Compare FHA loan rates across multiple lenders.
Duane Buziak explains how to compare USDA loan rates across multiple lenders by requesting same-day Loan Estimates for an identical scenario and reading fees as closely as the rate. A $300,000 worked example shows a 0.375-point rate gap changing the payment by about $73 a month and interest by roughly $5,650 over five years, using illustrative rates only.
