Rate Lock Timing: When to Lock, Float, or Reprice
Rate lock timing can change your payment, points, and cash to close. See when to lock or float and compare mortgage pricing with no credit hits today.
7 Strategies to Build a Mortgage Comparison Spreadsheet Template That Actually Saves You Money
This article outlines seven strategies for building a mortgage comparison spreadsheet template that standardizes three different Loan Estimates into one clear view, separating rate from APR and fees to reveal which quote truly costs less. Readers learn how to avoid the common trap of comparing lenders on monthly payment alone.
7 Strategies to Find the Best VA Loan Mortgage Lenders for Your Situation
This guide breaks down seven practical strategies for identifying the best VA loan mortgage lenders, showing veterans and active-duty buyers how small differences in rates, fees, and credits can add up to thousands of dollars over five years.
Duane Buziak Explains the Warning Signs of a Mortgage Broker Pushing an Expensive Loan
Duane Buziak breaks down the warning signs of a mortgage broker pushing an expensive loan, including a worked dollar example showing how a small rate markup can cost borrowers thousands over the life of a loan.
First-Time Homebuyer Overwhelmed by Rates? Here’s How Duane Buziak Says to Sort It Out
For the first-time homebuyer overwhelmed by rates, Duane Buziak (NMLS #1110647) breaks down a repeatable six-step process for comparing loan estimates, weighing points versus lender credits, and locking a rate with confidence.
Conforming Loan Limit Guide for 2026 Buyers
Our conforming loan limit guide explains 2026 caps, high-cost counties, jumbo pricing, points, and how to compare mortgage rates with confidence today.
Mortgage Points Worth It Calculator: How Duane Buziak Breaks Down the Breakeven Math
This article breaks down exactly how a mortgage points worth it calculator determines your breakeven point, using a worked $400,000 loan example from Duane Buziak. It helps homebuyers decide whether paying upfront for discount points will actually save money before they sell or refinance.
How to Get a Mortgage for Divorced Single Parent Homebuyers
This guide walks divorced single parents through qualifying for a mortgage on one income, showing how to document child support, alimony, and post-divorce credit to get an approval. It covers the exact paperwork underwriters expect, from the divorce decree to two years of income records.
7 Strategies to Get an Accurate VA Loan Mortgage Rate Comparison
This guide walks veteran and active-duty buyers through seven strategies for an accurate VA loan mortgage rate comparison, showing how funding fees, entitlement history, and lender fee structures can make a “low rate” quote cost thousands more than expected.
8 Strategies to Maximize Your Mortgage for Military Veteran Benefits
This guide breaks down 8 practical strategies for maximizing a mortgage for military veteran benefits, covering funding fee exemptions, entitlement restoration, multi-unit purchases, and IRRRL refinances that can save veterans thousands of dollars over the life of their loan.