Duane Buziak Explains the Wholesale Mortgage Pricing Structure: How Rate Sheets, Margins, and Broker Compensation Work
A practical guide to wholesale mortgage pricing structure.
How to Verify Wholesale Access Before You Apply
Learn how to verify wholesale access, confirm lender options, compare loan fit and pricing, and protect credit before submitting a mortgage application.
7 Strategies to Find Top No-Out-of-Pocket Closing Refinance Lenders in 2026, From Duane Buziak
Searching for the best no closing cost refinance lenders means understanding that costs are never free; they move into a higher rate through a lender credit or into a larger loan balance. Duane Buziak, NMLS #1110647, an independent wholesale broker, walks through seven strategies for testing the math, comparing lenders and Loan Estimates, and choosing when to lock, with a worked example and a lender-fit comparison.
What Are Mortgage Discount Points? Duane Buziak Explains How Buying Down Your Rate Works
What are mortgage discount points? They are optional upfront fees, each equal to 1% of your loan amount, paid at closing in exchange for a lower interest rate. Independent wholesale mortgage broker Duane Buziak explains the break-even math, when buying down your rate favors you, and why comparing point pricing across several wholesale lenders at once changes the decision.
Kind Lending Broker Access for Mortgage Options
Kind Lending broker access helps borrowers compare wholesale mortgage options through an independent broker licensed in VA, FL, TN, GA, DC, NC, SC, and MD.
How to Get Pre-Approved for a Mortgage: A Step-by-Step Guide From Duane Buziak
This step-by-step guide from Duane Buziak (NMLS #1110647) explains how to get pre approved for a mortgage in 2026, from choosing between pre-qualification and pre-approval to gathering documents and holding a pre-approval letter. It also shows how an independent broker prices your file across wholesale lenders like UWM, PennyMac, and Newrez so you can compare options side by side.
7 Strategies to Fund Investment Property With Low Down Payment Investor Loans, From Duane Buziak
Low down payment investor loans depend heavily on occupancy: owner-occupied FHA, VA, and conventional programs allow 0% to 5% down, while non-owner-occupied deals usually need 15% to 25% or more. Duane Buziak, an independent broker with wholesale access to lenders like UWM, PennyMac, and Angel Oak, walks through seven funding strategies and the trade-offs of each.
Wholesale Lending: How Broker Access Changes Options
Wholesale lending gives borrowers access to lender-specific mortgage programs through an independent broker, with comparisons of rates, costs, and fit.
Mortgage Origination Fee Cost Breakdown: What Duane Buziak Says You’re Actually Paying in 2026
A mortgage origination fee typically runs about 0.5% to 1% of the loan amount, but where it appears on your Loan Estimate and how it trades off against your rate matters more than the percentage. This mortgage origination fee cost breakdown from independent broker Duane Buziak (NMLS #1110647) uses real dollar math and broker-versus-lender comparisons so you can see what you’re actually paying in 2026.
How to Use a Refinance Closing Costs Calculator: Duane Buziak’s 7-Step Walkthrough
A refinance closing costs calculator can show in about ten minutes whether refinancing is worth it, but only if you enter the right numbers. Duane Buziak, NMLS #1110647, walks through seven steps: set your inputs, include every real cost, model rate scenarios, choose how to pay, find your break-even point, compare lenders, and verify the estimate against a Loan Estimate.