Home Financing Built for Goochland Living, Growing, and Thriving
Helping Families Buy, Build, and Refinance Throughout Goochland County
Today's Rates
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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.
About Goochland Mortgage
Local Knowledge. Personalized Service. Trusted Guidance.
At Goochland Mortgage, we understand that buying a home is more than a financial transaction—it’s a life-changing milestone.
As a mortgage broker serving Goochland County and the greater Richmond region, we help homebuyers navigate today’s market with confidence. Whether you’re searching for a home near the historic village of Goochland Courthouse, exploring properties in Manakin-Sabot, or looking for land and rural homes throughout Crozier and Oilville, I provide mortgage solutions tailored to your goals.
We proudly serve families throughout:
- Goochland
- Manakin-Sabot
- Oilville
- Short Pump
- Richmond West End
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
Living in Goochland County
Small-Town Charm with Richmond Convenience
Goochland County offers a unique blend of peaceful country living and convenient access to Richmond’s major employment centers.
Residents enjoy outdoor recreation at beautiful destinations such as:
- Goochland River Park
- Leakes Mill Park
- Tucker Park at Maidens
- Hidden Rock Park
- Byrd Creek Trail System
First-Time Home Buyer Programs
Buying Your First Home Doesn't Have To Be Overwhelming
For many buyers, purchasing a first home is one of the biggest financial decisions they’ll ever make. That’s why Goochland Mortgage is committed to helping first-time buyers understand every option available.
LoanOptimizer
See which loan fits you better — FHA or Conventional
WHY I LOVE GOOCHLAND
Leakes Mill Park
Goochland County Parks & Recreation
Goochland Restaurant
Bella Sicilia Italian Restaurant
Goochland Sports Complex
The Venue at Flat Rock
OUR MORTGAGE SERVICES
Home Purchase
Guiding Goochland homebuyers with expert mortgage solutions for a smooth and confident purchase.
Refinance
Refinance your Goochland 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 Goochland County
VA Loans
Exclusive benefits for veterans and active-duty service members
Getting Pre-Approved Starts With Understanding Your Credit — Without Dinging It
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
Top Tips for Home Buyers and Investors
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.
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.
TESTIMONIALS
Usually Asked
Frequently Asked Question
Getting pre-approved is simple and starts with a no-credit-impact soft pull. I’ll review your income, assets, credit history, and financial goals to determine how much home you may qualify for. A pre-approval letter strengthens your offer and gives you confidence while shopping for homes throughout Goochland County, Manakin-Sabot, Crozier, Oilville, and surrounding areas. The entire process can often be completed the same day.
I offer a wide range of home loan solutions tailored to Goochland buyers and investors, including Conventional Loans, FHA Loans, VA Loans, USDA Rural Development Loans, Jumbo Loans, DSCR Investment Property Loans, Down Payment Assistance Programs, First-Time Home Buyer Programs, and Refinancing Options. Goochland County is a USDA-eligible area, which means many buyers can qualify for zero-down financing — a program most buyers don’t even know they qualify for. I’ll help you identify the loan program that best fits your financial situation and homeownership goals.
Yes. First-time home buyers in Goochland County may qualify for low down payment options, down payment assistance programs, FHA financing with as little as 3.5% down, and USDA rural housing loans with zero down payment required. Many buyers are surprised to learn that Goochland County qualifies for USDA financing, which offers 100% financing with no monthly mortgage insurance premium — one of the best-kept secrets in home financing. I guide first-time buyers through every step of the process, from pre-approval to closing.
Many homebuyers choose Duane Buziak Mortgage Maestro because of his commitment to personalized service, local market expertise, and dedication to making the mortgage process as smooth as possible. Whether you’re purchasing your first home, refinancing, or relocating to Goochland County, Duane works closely with clients to help them find the right financing solution for their unique needs.
NoTouch Credit is my soft pull pre-qualification process that lets you find out exactly what you qualify for without any impact to your credit score. Traditional hard credit pulls can lower your score and leave a mark that other lenders can see. My NoTouch Credit system uses a soft inquiry — the same type used when you check your own credit — so your score stays completely protected. You get real numbers, real loan options, and real buying power information, all with zero risk to your credit.
Yes, bank statement loans allow self-employed borrowers and small business owners in Goochland County to qualify using business or personal bank statements instead of tax returns, making homeownership more accessible for entrepreneurs.
Yes, I offer Construction loans for clients building new homes throughout Goochland, including rural properties in Crozier and Oilville, structured to match your builder’s timeline and disbursement schedule.
Yes, my HELOC (Home Equity Line of Credit) programs let Goochland homeowners tap into their home’s equity for renovations, debt consolidation, or other major expenses with flexible terms.
Non-QM (Non-Qualified Mortgage) loans are designed for Goochland buyers who don’t fit traditional lending criteria — such as self-employed individuals, investors, or those with unique income situations — offering more flexible qualification standards.
Yes — both areas are right next door to Goochland. Visit Short Pump Mortgage or Glen Allen Mortgage for local rates and loan programs in those specific markets.
Duane Buziak
Mortgage Maestro | NMLS #1110647
Coast2Coast Mortgage LLC | Goochland Mortgage
Licensed in: VA, FL, TN, GA, DC, NC, SC, MD
Verified Credentials & Reviews
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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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