7 Strategies to Find Competitive Refinance Rates for Homeowners in 2026, From Duane Buziak
A practical guide to best refinance rates for homeowners.
Mortgage Options for Gig Workers That Can Work
Mortgage options for gig workers: compare conventional, bank-statement, and non-QM paths, document income, and match your profile to lender access.
Mortgage Data Security Requirements: How Lenders and Brokers Must Protect Your Financial Information, Explained by Duane Buziak
Mortgage data security requirements are the federal and state rules, led by the GLBA, FTC Safeguards Rule, and CFPB Regulation P, that obligate both lenders and independent brokers to protect your Social Security number, bank statements, and tax returns. Duane Buziak explains which rules apply, what a broker must have in place, how wholesale lenders add their own safeguards, and what you can do to protect yourself during a loan application.
7 Strategies to Build a First Time Homebuyer Document Checklist Lenders Won’t Send Back — Duane Buziak
Duane Buziak (NMLS #1110647) shares seven strategies for building a first time homebuyer document checklist that holds up in underwriting. Organized by loan program, income, assets, credit, identity, property, and workflow, it helps buyers document every deposit and avoid conditions that delay closing.
Acra Lending Broker Review for Investor Loans
Acra Lending broker review for investors: program fit, DSCR and non-QM considerations, costs, and how independent wholesale broker access works for buyers
Mortgage Denied by a Bank? What Next: How to Get Approved Through a Wholesale Broker, With Duane Buziak
A practical guide to mortgage denied by bank what next.
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.