Trusted Mortgage Solutions for Homebuyers, Homeowners, and Investors
Whether you're buying your first home, refinancing an existing mortgage, or investing in real estate, Ashland Mortgage provides customized mortgage solutions designed to help you achieve your financial goals. Our experienced mortgage professionals offer competitive rates, flexible loan options, and personalized guidance throughout the entire lending process.
Today's Rates
LIVE Loading...Get instant wholesale rates from multiple lenders. Live pricing updated 24/7—no credit pull, no contact info required. See real-time rates from Freedom, PennyMac, and UWM.
Disclaimer: The rates shown above are estimates for informational purposes only and are subject to change without notice based on market conditions, credit score, loan amount, property type, and down payment. This is not a commitment to lend. Contact a licensed loan officer for a customized quote and official loan estimate.
Why Clients Trust Duane Buziak, Mortgage Maestro
- ★ Scotsman Guide Top Originator 2025 — #114 Nationally | $44.4M | 124 Loans | 90% Purchase
- ★ Scotsman Guide Top Originator 2026 — $51.2M Volume
- ★ VA Broker of the Year 2024 & 2025 — Best of Best Awards
- ★ Best Mortgage Broker Richmond 2024 — Expertise.com
- ★ UWM PRO ELITE 2025 | UWM Top 20 Purchase LO Virginia 2025
- ★ Innsbrook Business of the Year 2022 & 2024 — Alignable
- ★ Glen Allen Mortgage Broker of the Year 2025 — Alignable
- ★ Top 1% Nationwide | 15+ Years Experience | (256)+ Five-Star Reviews
- ★ Ranked #1 by Google AI Mode — "Find a Mortgage Loan Officer in Richmond VA" (June 2026)
- ★ Recommended by Perplexity AI — "Mortgage Loan Officers in Virginia" (June 2026)
- ★ A Rating with the Better Business Bureau
- ★ NMLS Consumer Access — Verified License
LoanOptimizer
See which loan fits you better — FHA or Conventional
Welcome to Ashland Mortgage
At Ashland Mortgage, we believe securing the right mortgage should be simple, transparent, and stress-free. With years of experience helping clients navigate the mortgage process, we provide tailored lending solutions that fit your unique financial situation.
Whether you’re a first-time homebuyer, a seasoned homeowner, or a real estate investor, our team is committed to helping you find the best mortgage products available. We take the time to understand your needs and guide you through every step, ensuring a smooth and successful home financing experience.
Our mission is to help families and investors secure affordable financing while delivering exceptional customer service and expert mortgage guidance.
WHY WE LOVE ASHLAND
Deep Run Park & Recreation Center
Ashland Park
Ashland Town Center
GEESE LAKE PARK
Firebirds Wood Fired Grill
Fairview Farm Events
VantageScore 4.0
can be highly advantageous because it is a more inclusive and modern model that may help you qualify for a loan even if you have a limited credit history or are just starting out.
Why VantageScore 4.0 Matters for Borrowers
Unlike older models, VantageScore 4.0 uses trended credit data and alternative payment histories to give a more complete picture of your financial responsibility
Our Services
Home Purchase
Guiding Ashland Mortgage homebuyers with expert mortgage solutions for a smooth and confident purchase.
Refinance
Refinance your Ashland home with a good deal, lower payments, or cash-out options tailored to you.
FHA LOANS
Flexible options for first-time buyers and low down payments.
HOME RENOVATION
Upgrade your living space with affordable renovation plans and support.
COMMERCIAL LOANS
Smart financing options built for investors and entrepreneurs in Ashland
VA LOANS
Exclusive benefits for veterans and active-duty service members.
First-Time Homebuyers in Ashland
Making Homeownership Possible for First-Time Buyers
Buying your first home is an exciting milestone, but navigating the mortgage process can feel overwhelming. At Ashland Mortgage, we’re committed to helping first-time homebuyers confidently move from renting to owning with personalized guidance, competitive financing options, and expert support every step of the way.
Whether you’re just starting your home search or ready to apply for a mortgage, our team will help you understand your options and secure the financing that fits your budget and long-term goals.
Buying your first home in Ashland can feel overwhelming but with Duane Buziak, you’re guided every step of the way.
What We Offer First-Time Buyers:
- Low down payment options
- FHA & VA loan programs
- Down payment assistance guidance
- Credit optimization strategies
- Step-by-step homebuying support
Free Homebuyer Resource Center
Whether you’re renting, already a homeowner, or just starting to think about buying — Duane Buziak gives you free access to tools most lenders charge for.
Through My resource center you get:
- Free FICO mortgage score — the real score lenders use (FICO 4), not a generic consumer score
- Personalized mortgage calculators — payment, affordability, refinance savings, and more.
- Educational articles — written for real buyers, not financial jargon
- Renter Rewards — earn toward your future home while you rent
- No credit impact. No cost. No obligation.
Top Tips for Home Buyers and Investors
Free No Touch Credit
Your Credit is Safe with Us
Discover your loan options and true buying power with our NoTouch Credit System . We get you pre-approved without a single credit hit.
With our Free NoTouch Credit service, you can instantly see where your credit stands—without triggering a hard inquiry or lowering your score. Traditional credit checks often leave a mark that lenders can see, but our process uses a soft pull—completely safe, private, and impact-free.
FAQ
Find Out Answers Here
We offer a wide range of home loan solutions for buyers and homeowners throughout Ashland, Hanover County, and the surrounding Richmond area. Our loan options include Conventional, FHA, VA, USDA, Jumbo, Non-QM, Bank Statement Loans, Investment Property Financing, and Refinancing. Whether you're buying your first home or upgrading to your forever home, we'll help you find the mortgage that best fits your financial goals.
Yes, in certain situations. We offer VA loan solutions for eligible veterans and active-duty service members with credit scores starting as low as 500 FICO, depending on the overall loan profile and underwriting requirements. If you've experienced past credit challenges, we'll review your options and help determine the best path toward homeownership.
Our NoTouch Credit Program is designed for borrowers who are concerned about unnecessary credit inquiries during the mortgage process. We carefully evaluate your financing options while minimizing additional credit pulls whenever possible, helping protect your credit profile as you shop for the right mortgage solution.
The Dynamo and Turbo Down Payment Assistance (DPA) programs are designed to help qualified homebuyers reduce upfront home-buying costs. Depending on eligibility, these programs may assist with down payment and closing costs, making homeownership more accessible for first-time buyers and repeat buyers throughout Ashland, Hanover County, and neighboring Virginia communities.
A direct lender offers only its own loan products, while a mortgage broker works with multiple wholesale lenders to compare loan programs, rates, and financing options on your behalf. This broader access often provides greater flexibility and allows us to match borrowers with mortgage solutions tailored to their unique financial circumstances.
Working with a local mortgage broker means partnering with someone who understands the Ashland and Hanover County housing market. From historic homes near Randolph-Macon College to newer developments throughout Hanover County, we provide personalized guidance, fast communication, and local expertise that national lenders often can't match.
Many borrowers receive a mortgage pre-approval within one business day after submitting the required documentation. A pre-approval helps you understand your budget, strengthens your purchase offer, and allows you to shop for homes throughout Ashland, Hanover County, and the greater Richmond region with confidence.
Duane Buziak Mortgage Maestro is committed to delivering personalized service, competitive loan options, and honest mortgage advice for every client. Whether you're purchasing your first home, refinancing, or exploring specialized financing such as VA, Jumbo, Bank Statement, or Down Payment Assistance programs, Duane works to make the mortgage process straightforward, transparent, and tailored to your goals.
![Balloon Mortgage Explained: What Ashland VA Homebuyers Need to Know Before Signing [2026 Guide]](https://ashlandmortgage.com/wp-content/uploads/2026/06/Best-of-best-ribbon-2025-1-1-150x150.png)
TESTIMONIALS
Frequently Asked Questions
Yes, our Reverse Mortgage programs allow homeowners aged 62+ in Ashland to convert home equity into cash without monthly mortgage payments, making it a popular option for retirees looking to supplement their income.
Yes, our HELOC (Home Equity Line of Credit) programs let Ashland homeowners tap into their home's equity for renovations, debt consolidation, or other major expenses with flexible draw terms.
Yes, we provide Construction loans for clients building new homes throughout Ashland and Hanover County, structured to align with your builder's timeline and disbursement schedule.
Yes, our Foreign National loan programs are designed for non-U.S. citizens looking to purchase property in Ashland and the surrounding Hanover County area.
A 203k Renovation loan combines the purchase price and renovation costs into a single mortgage, allowing Ashland buyers to finance a fixer-upper and its repairs in one loan.
Yes, we provide Commercial loan programs for clients purchasing or refinancing investment and commercial real estate throughout Ashland and Hanover County.
Conventional loans typically require a minimum 620 credit score, with down payments as low as 3% for qualified buyers. Mortgage insurance can also be cancelled once you reach 20% equity, unlike some government-backed loan programs.
Many areas throughout Ashland and Hanover County qualify as USDA-eligible, meaning qualified buyers may be able to secure 100% financing with no down payment required — one of the most overlooked programs for local buyers.
A rate-and-term refinance adjusts your interest rate or loan term to lower your payment, while a cash-out refinance lets you tap into your home's equity for renovations, debt consolidation, or other expenses — both are available to Ashland homeowners.
Yes — we regularly work with buyers in both areas. Visit Hanover County Mortgage or Goochland Mortgage for county-specific loan details.
Duane Buziak
Mortgage Maestro | NMLS #1110647
Coast2Coast Mortgage LLC | Ashland Mortgage
Licensed in: VA, FL, TN, GA, DC, NC, SC, MD
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Operated by Duane Buziak Mortgage Maestro, Coast2Coast Mortgage, LLC NMLS: 376205 / Duane Buziak NMLS#1110647 / NMLS Consumer Access / Legal Disclaimer – “Equal Housing Lender” This information is not intended to be an indication of loan qualification, loan approval or commitment to lend.
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