Find the Best Mortgage Rates in Virginia

Secure the right home loan with competitive rates and a transparent process. From Richmond to Virginia Beach, our local experts make financing simple.

Serving homebuyers across Richmond, Midlothian, , Chesapeake, Virginia Beach, Roanoke, and communities throughout Virginia.

Today's Rates

FHA & conventional home loans

LIVE

About Virginia Mortgage Rates

Virginia Mortgage Rates | Home Loans Across Virginia

Finding the right mortgage can make a huge difference in your financial future. At Virginia Mortgage Rates, we help homebuyers and homeowners throughout Virginia secure competitive home loan options tailored to their goals.

From the growing suburbs around Richmond to the coastal communities of Virginia Beach, our team works with borrowers across the state to simplify the mortgage process and help them find good financing solutions available.

Whether you’re purchasing your first home, refinancing your current mortgage, or investing in property, we’re here to guide you every step of the way.

LoanOptimizer

See which loan fits you better — FHA or Conventional

SMART MATCH
Trust Box

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
Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA, FL, TN, GA, DC, NC, SC, MD
Old Dominion Mortgage - family house in Virginia
Old Dominion Mortgage - family house in Virginia
Old Dominion Mortgage - family house in Virginia
Old Dominion Mortgage - family house in Virginia

OUR MORTGAGE SERVICES

HOME PURCHASE

Guiding Virginia homebuyers with expert mortgage solutions for a smooth and confident purchase.

REFINANCE

Refinance your Virginia 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 Virginia.

VA LOANS

Exclusive benefits for veterans and active-duty service members.

Why Choose Us

Why Homebuyers Choose Us

Buying a home is one of the biggest financial decisions most people make. Our goal is to provide guidance and mortgage options that make the process easier.

FHA vs Conventional Virginia Which Costs Less?

First-Time Homebuyers in Virginia

Virginia Many buyers across Virginia are purchasing their first home, especially in growing communities around Richmond and Hampton Roads.

Neighborhoods around Virginia  Town Center, the historic Fan District, and the waterfront areas near the Virginia Beach Boardwalk continue attracting new residents each year.

For first-time buyers, getting pre-approved for a mortgage early can help you:

  • understand your homebuying budget

  • compete more effectively in the housing market

  • close faster when you find the right home

WHY WE LOVE VIRGINIA

Virginia offers an incredible quality of life with a mix of historic towns, coastal communities, and thriving metropolitan areas.

Cash Out Refinance Example With Real Payment Math

Shenandoah National Park

First Landing State Park

Virginia Beach Sports Center

Lynchburg Self Employed Mortgage Options

Sal’s NY Slice Pizzeria

Yard House

Shadow Creek Weddings & Events

Trusted Mortgage Broker Virginia

Tailored Solutions

Every homeowner’s journey is unique. We customize mortgage options to match your needs, budget, and long-term goals.

Local Expertise

With years of experience in Virginia’s housing market, we provide guidance that’s rooted in local knowledge and trusted results.

Clear Process

No jargon, no confusion just a step-by-step approach that keeps you informed and confident at every stage.

Trusted Support

We’re more than brokers; we’re your partners. From first consultation to closing day, we stand by you with honest advice and care.

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

Videos

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.

Frequently Asked Questions

VirginiaMortgageRates.com is an independent digital analytics platform built to simplify real estate financing across the Commonwealth. We track daily changing interest rates, lender pricing tiers, and credit score brackets into one organized database, helping consumers shop and filter Virginia home loan products side-by-side.

No, we are not a retail bank, direct underwriter, or licensed private financial vendor. We do not approve applications or distribute mortgage capital. Our site functions strictly as an information resource interface. Once you locate a rate profile that matches your goals, we connect you with vetted professionals who manage formal contract processing.

No, accessing our tracking grids, interactive calculation tables, and market criteria is 100% free for all visitors. We do not add hidden broker margins, transactional markups, or third-party administration fees to any loan quote presented on our portal.

Because mortgage markets and bond yields fluctuate throughout the week, we check updated index feeds to refresh our rate matrices daily. This ensures that when you run a comparison search on our layout, you are evaluating highly accurate benchmarks reflective of current market conditions.

Yes, home refinancing programs are completely supported within our directory dashboard. If average interest margins have dropped below your old note or your credit tier has improved over the years, you can utilize our refinancing filters to locate paths aimed at lowering your monthly commitments.

Our filter dashboard splits available Virginia loan products into several simple groupings:

  • Fixed-Rate Mortgages: Standard 15-year and 30-year structures built with predictable, unaltering payment notes.
  • Adjustable-Rate Options (ARM): Dynamic programs engineered with reduced introductory rates for targeted ownership spans.
  • Low Down-Payment Pathways: Highlighted paths showing minimal cash-down requirements for qualifying first-time buyers.

No, searching, filtering, and simulating rates across VirginiaMortgageRates.com runs entirely under soft credit pull rules. It leaves no traces, drops, or negative penalties on your credit file. Standard hard credit inquires are only initiated later by the direct lender you choose during official processing.

No, our baseline informational data and rate charts remain completely open to the public without requiring sign-ups, registrations, or login profiles. You can search the index anonymously. Personal details are only requested if you explicitly opt to receive a localized, customized estimate sheet.

We treat digital data integrity as a paramount metric. Our platform features end-to-end SSL certificates paired with robust data encryption frameworks to protect incoming web channels. We support aggressive privacy rules and are strictly against selling user contact queues to third-party telemarketing networks.

If you encounter an obsolete metric column, an inactive hyperlink, or a technical interface bug on our layout, please send us a report via our official Contact Us page. Our maintenance desk evaluates and replies to all user reports within 24 to 48 business hours.

Mortgage Rate Hawk and Shop Mortgage Rates both offer interactive comparison tools alongside our published rate data.

The rate alone doesn't tell the whole story — fees matter too. Use Loan Estimate Optimizer to see the full picture for free.

Testimonial

People talk about our exceptional service

Posted on Google Google
Josh Oliver profile picture
Josh Oliver
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane went above and beyond throughout my mortgage refinance. I shopped around multiple times, and every single time he was able to offer a better deal than the others. He saved my family a significant amount on our monthly payment, and we couldn’t be happier with the experience. Highly recommend working with him.
Posted on Google Google
Ahmadullah Asik profile picture
Ahmadullah Asik
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Very Good person Duane. Thanks
Posted on Google Google
Jonathan Gant profile picture
Jonathan Gant
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane was outstanding throughout our home financing process. From the very beginning, he was transparent, responsive, and incredibly knowledgeable. He took the time to explain every detail of the loan structure, closing costs, and payment scenarios so we fully understood our options before making decisions. What truly sets Duane apart is his ability to simplify complex financial information. He walked us through rate comparisons, down payment strategies, and long-term cost implications with clarity and patience. At no point did we feel rushed or uncertain — he made sure we were comfortable and confident at every stage. His communication was exceptional. Whether it was a quick update, a revised estimate, or answering a detailed question, Duane responded promptly and thoroughly. He stayed ahead of deadlines, coordinated seamlessly with the lender and title company, and ensured there were no last-minute surprises before closing. In a process that can often feel overwhelming, Duane brought professionalism, organization, and calm confidence. He genuinely cares about his clients and works hard to secure the best possible outcome. If you are looking for someone who is knowledgeable, strategic, responsive, and fully invested in your success, Duane is the person you want on your team. We are incredibly grateful for his guidance and would highly recommend him.
Posted on Google Google
Nida UpworkYT profile picture
Nida UpworkYT
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
This is Nida. I have used Duane 4 separate times now. Always so smooth. Always the best rate. Glad to see he is licensed in Georgia and Florida now too as next move is likely to Florida
Posted on Google Google
Anke Delavrie profile picture
Anke Delavrie
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Simply the best. If you are ever looking to mortgage or refinance. there is simply no one better Not much else to say Edit 02/23/2026 I saw some other post when I went to edit mine. Someone named Asik. What kind of moron goes on a google review - twice in fact - to intentionally sabotage a business over some gripe. I wish people understood google reviews are for real clients, not childish vindictive disputes. Get a lawyer and stop the drama
Posted on Google Google
Taylor Bloomfield profile picture
Taylor Bloomfield
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane truly is the mortgage maestro! He got us an AMAZING interest rate, one that other brokers told me was nearly impossible. He helped us cut out unnecessary costs, offering his expertise every step of the way. Im not sure if Duane ever sleeps, based off of how quickly he responds at all times of the day, I would guess he does not. As he once told my husband and I, he lives and breathes mortgages. We closed on our home in just under 4 weeks! FOUR! Tell your family and friends, Duane is your guy.
Posted on Google Google
Nicolas Morales Fonseca profile picture
Nicolas Morales Fonseca
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane provided excellent service from start to finish. He was always responsive, knowledgeable, and took the time to clearly explain every step of the process. His professionalism and attention to detail made everything smooth and stress-free. Most importantly, he was able to find a great mortgage deal that fit my needs perfectly. I highly recommend him to anyone looking for a reliable and dedicated loan officer.
Posted on Google Google
Lacey Conner profile picture
Lacey Conner
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane is the lender you want when the stakes are high. This was my second home purchase with him, and it truly was a once-in-a-lifetime deal layered with stress, timelines, and the anxiety that comes with building. Duane was steady, patient, and incredibly thorough. He communicated constantly, anticipated issues before they became problems, and made me feel supported and confident through every decision. His guidance turned a stressful process into a successful closing I’m deeply grateful for. I wouldn’t trust anyone else.
Duane Buziak

Duane Buziak

Mortgage Maestro | NMLS #1110647

Coast2Coast Mortgage LLC | virginia mortgage rates

Licensed in: VA, FL, TN, GA, DC, NC, SC, MD

📱 (804) 212-8663 | 📧 duane@coast2coastml.com

Verified Credentials & Reviews

Explore official ratings and verified listings from leading business directories.

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.

Social Media

Quick Links

Open Hours

Locations