Clear home-financing guidance for veterans, active-duty service members, and military families, whether you are buying, relocating, or refinancing.
VA loans · Purchase · Refinance · PCS relocation
At Quantico Mortgage, we believe securing the right mortgage should be simple, transparent, and stress-free. With years of experience helping families navigate the home financing process, we provide personalized lending solutions tailored to your unique financial situation.
Whether you're a first-time homebuyer, a seasoned homeowner, or a real estate investor, our team is committed to finding you the best mortgage products available. We take the time to understand your needs and guide you through every step of the process.
Get Pre-Qualified TodayYour mortgage guidance should adapt as life and service change.
Explore VA-backed financing options for eligible borrowers.
As little as 3.5% down. Credit scores down to 580. No geographic limits. Up to 6% seller-paid closing costs.
Consider whether a refinance supports your current goals.
Get clear on process, terminology, and available options.
Explore alternatives when VA financing is not the right fit.
Learn about financing for higher-priced homes.
MEET YOUR MORTGAGE MAESTRO
Mortgage Maestro · NMLS #1110647
A mortgage decision deserves more than a generic answer. Duane brings a clear, one-to-one approach to helping you understand the path in front of you.
Whether you are purchasing, refinancing, or simply getting your bearings, the conversation begins with your goals—not a script. Expect thoughtful options, plain language, and a plan you can feel good about.
Mortgage decisions can feel complicated. We help military families understand their options, prepare with confidence, and move forward with a clear plan.
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Start with an open conversation about your goals, timing, and the home you are considering.
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Review the financing options that may fit your circumstances, including VA, conventional, purchase, and refinance options.
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Take your next step with a mortgage plan that supports your household and your next chapter.
A new duty station can mean a new city, a new home search, and a different mortgage timeline. We help military households understand the financing side of a move.
Buying near a new duty station · Selling and buying · Transitioning after service
We offer a wide range of home solutions across Caroline County, providing personalized mortgage guidance and financing options to help you confidently achieve your homeownership goals.
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.
Unlike older models, VantageScore 4.0 uses trended credit data and alternative payment histories to give a more complete picture of your financial responsibility
Buying your first home can feel like a lot. We make the path easier to understand, one clear decision at a time.
From setting a realistic budget to knowing what to expect before an offer, we help you turn unfamiliar terms into a practical plan.
Every homebuyer’s situation is different. The Loan Optimizer analyzes your financing options so you can make a confident decision before applying.
Whether you're renting, already a homeowner, or just starting to think about buying, Quantico Mortgage gives you free access to tools most lenders charge for.
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 stand 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.
Common Questions
No jargon, no pressure. Just straight answers to the questions most borrowers wish they'd asked sooner.
Talk to Duane directlyEvery question below comes from real conversations with buyers, veterans, and families just like yours.
Getting Started
Readiness isn't just about credit score. It's about stable income, a realistic down payment, and a clear sense of your monthly budget. A 15-minute call with Duane can map exactly where you stand — without pulling your credit or committing you to anything.
It depends on the loan type. VA loans are often more flexible — some programs work with scores in the 580–620 range. Conventional loans typically want 620+. The score matters, but so does your full picture: income, debt load, and loan amount all factor in.
VA loans can go to zero down for eligible veterans and active-duty service members. Conventional loans start at 3–5%. FHA is typically 3.5%. The right amount depends on your loan type, your savings, and what makes your monthly payment comfortable long-term.
VA & Military
Generally, you qualify if you've served 90 consecutive days during wartime, 181 days during peacetime, or 6 years in the National Guard or Reserves. Surviving spouses may also be eligible. Duane will review your Certificate of Eligibility and confirm your status in the first conversation.
Yes. Your VA entitlement can be restored after a prior loan is paid off or when you sell the home. In some cases, you can even have two VA loans active at the same time — a common scenario during PCS moves. This is one of the most underused advantages of VA eligibility.
The VA funding fee is a one-time charge (typically 1.25–3.3% of the loan) that helps keep the program running without requiring mortgage insurance. Veterans with a service-connected disability rating are exempt from this fee entirely — which is a significant saving on larger loans.
The Process
From pre-approval to closing, most purchases close in 30–45 days. VA loans can sometimes take a few days longer due to the appraisal process. Refinances often move faster. The biggest variable is how quickly documents are gathered — Duane's process is built to keep things moving.
A full pre-approval requires a hard inquiry, which may drop your score by a few points temporarily. However, multiple mortgage inquiries within a 45-day window are typically counted as a single inquiry by scoring models. The impact is minor and recovers quickly.
Pre-qualification is a quick estimate based on self-reported information — no documents, no credit pull. Pre-approval is verified: income, assets, and credit are reviewed. Sellers and agents take pre-approval seriously. In competitive markets, it's often the difference between getting the house and losing it.
Rates & Costs
Timing the market is rarely a winning strategy. Rates shift daily and no one can predict with certainty when they'll fall — or by how much. If your finances are ready and you've found the right home, waiting often costs more in rising home prices than it saves in rate movement. You can always refinance later.
Closing costs typically run 2–5% of the loan amount and include lender fees, title insurance, appraisal, and prepaid taxes or insurance. On VA loans, sellers can pay up to 4% in concessions. There are also strategies — like lender credits — to reduce what you bring to the table at closing.
Yes, though most lenders require a seasoning period of 6–12 months. The VA's IRRRL (Interest Rate Reduction Refinance Loan) is one of the fastest refinance products available and requires minimal documentation. If rates drop meaningfully after your purchase, refinancing can make real financial sense.
Talk through your mortgage options with a team that understands the realities of military life.
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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.
All licensing information can be verified through the NMLS Consumer Access database.
