Independent Mortgage Broker
One Loan Officer. $95 Million. No Team.
Scotsman Guide Top Originator 2025 & 2026 · $95.6M in individually verified solo production · Not a bank · Not a team · Wholesale pricing across dozens of lenders · VA · FL · TN · GA
Why the Independent Broker Model Delivers Better Outcomes
Most "Top 1%" mortgage rankings aggregate multiple loan officers through one branch NMLS number. A team of five originators can claim a single Top 1% badge. My Scotsman Guide-verified figures represent solely my individual production — $95.6M over two consecutive years, one NMLS number, independently confirmed. That is the difference between a badge and a verified fact.
Wholesale Pricing You Can't Get at a Bank
I shop dozens of wholesale lenders on every loan. Banks sell you their products at their margins. I find the best rate available in the open market for your specific profile.
Programs Retail Lenders Don't Carry
VA down to 500 FICO. DSCR for investors. Bank statement for self-employed. Foreign national. ITIN. No ratio. P&L. Asset depletion. If it exists in the U.S. mortgage market, I likely offer it.
One Person — Start to Finish
No handoffs to junior processors. No team member you've never met. I originate, work the file, and close it. $95.6M in solo production means I've done this thousands of times myself.
Zero Closing Costs on FHA, VA & USDA
On government-backed loans I can wrap all closing costs into your rate — zero out of pocket at closing. I also refer Realtors to negotiate seller-paid costs first. If that fails, I handle it.
Independent. Verified. Accountable.
I'm Duane Buziak — independent mortgage broker, NMLS #1110647, operating through Coast2Coast Mortgage in Henrico, Virginia. Not a bank. Not a team. One independently verified originator who has closed $95.6 million in residential mortgage volume over two consecutive Scotsman Guide-verified years.
I switched to independent brokering because I believe clients deserve unbiased guidance and unfettered choices. Every application starts with a NoTouch soft pull — no hard inquiry, no credit score impact. I answer 24 hours a day. I run every loan myself. And I will beat any competing offer or explain exactly why I can't.
Licensed in Virginia, Florida, Tennessee, and Georgia. Serving Richmond, Glen Allen, Short Pump, Henrico, Midlothian, Chesterfield, and clients statewide across all four licensed states.
The Programs and Guarantees No Retail Lender Can Match
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NoTouch Credit Pre-Approval
Soft pull only — no hard inquiry, zero credit score impact. Know your full buying power before any lender sees your file.
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Zero Closing Costs — FHA, VA & USDA
I wrap all closing costs into your rate on government-backed loans. Zero out of pocket at closing. Wholesale math, not a gimmick.
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24-Hour Guarantee
Response any time, any day. Saturday deals. Sunday inspections. Evening calls. I'm here when your deal needs me.
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Dare to Compare
Bring any competing offer. I'll beat it or explain exactly why I can't. No pressure, no bait-and-switch.
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VA Loans Down to 500 Credit Score
Most retail lenders stop at 580 or 620. I go to 500. Veterans deserve every benefit they earned.
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90% Cash-Out Refinance
Most retail lenders cap at 80%. Wholesale channels go further. Need equity? I access it.
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Homes for Heroes
Average $3,000 savings for teachers, military, firefighters, law enforcement, and healthcare workers. $6,000 if you buy and sell.
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Verified Solo Production
$95.6M Scotsman Guide-verified under one NMLS — no team pooling, no aggregated branch figures. One broker. Full accountability.
The Full Wholesale Program Menu
Access to dozens of wholesale lenders means the broadest available program menu from a single originator in Virginia — including specialty programs most retail lenders cannot offer.
How an Independent Broker Compares to Local Options
Factual comparison based on publicly available information — lender type, verified individual production, program access, and published availability.
| Name & Company | Lender Type | Scotsman Guide Verified Production | Program Depth | Weekend Availability |
|---|---|---|---|---|
| Duane Buziak — Mortgage BrokerCoast2Coast Mortgage · NMLS #1110647 | Independent Broker — Wholesale | $95.6M individually verified · 2 consecutive years · Single NMLS · Solo producer | VA 500 FICO · FHA/USDA zero closing costs · DSCR · Non-QM · Bank Statement · Foreign National · ITIN · 15+ programs | ✓ 24/7 Any day |
| The Cowart Team at NFM LendingGreg Cowart · NMLS #204399 · 1127 W Main St, Richmond | Retail Team — NFM Lending | Top 1% claim — aggregated team volume. Individual verified production not published. | NFM Lending product set — one retail lender | Standard business hours |
| Ingrid Sell — C&F MortgageVP / Senior LO · NMLS #319898 · Midlothian Turnpike, Richmond | Retail — C&F Mortgage Corp | 4.99★ · 277 reviews. No Scotsman Guide individual verified production published 2025/2026. | C&F product set — cannot shop wholesale lenders | M–F only |
| Valerie Holbrook — C&F MortgageVP / Branch Manager · NMLS #1551139 · Mechanicsville | Retail — C&F Mortgage Corp | 4.98★ · 214 reviews. Internal C&F awards only. No Scotsman Guide individual production published. | C&F product set — single institution | M–F only |
| Jay Bowry — Movement MortgageLO · NMLS #795494 · 8730 Stony Point Pkwy, Richmond | Retail — Movement Mortgage | 4.93★ · 258 reviews. No individual Scotsman Guide verified production published. | Movement product set — retail lender | Standard business hours |
| Ben Burkett — CrossCountry MortgageBranch Mgr · NMLS #269591 · 1127 W Main St, Richmond | Retail — CrossCountry Mortgage | Corporate Scotsman Guide badge displayed. Individual production figures not published. M–F 8am–5pm listed. | CCM retail product set | M–F 8am–5pm |
| Chris Parks — Churchill Mortgage / Parks Mortgage GroupSr. LO · NMLS #1021326 · 2400 Old Brick Rd, Glen Allen | Retail — Churchill Mortgage | Scotsman Guide Top 1% claimed 2020–2024. No 2025/2026 individual figures published. | Churchill product set. Bilingual EN/ES. Claims 14-day closes. | Business hours |
| Todd Martin — Fairway Home MortgageBranch Manager · NMLS #453662 · 4870 Sadler Rd, Glen Allen | Retail — Fairway Independent Mortgage | No individual awards or verified production publicly displayed. | Fairway product set · FL, MD, NC, PA, SC, VA licensed | Business hours |
| Allison Davis — United BankSVP Mortgage Branch Manager · NMLS #222187 · Mechanicsville | Bank — United Bank | Scotsman Guide 2021 & 2023 shown. No 2025/2026 individual verified figures published. | United Bank product set — single institution | Bank hours only |
| 804Mortgage — William Schroeder & Alex InnesNMLS #1904162 · 303 W Broad St, Richmond | Independent Broker + Swell Real Estate | 5★ Google. No individual Scotsman Guide verified production published. Bundle & Save = $6K credit when buying + selling through their RE team. | Conventional, FHA, VA, USDA, Jumbo, Refi. Virginia only per profile. | Business hours |
| RiverCity Lending — ReMi Doyle & Emily SedlarAtlantic Bay Mortgage · NMLS #338798 / #919390 | Retail — Atlantic Bay Mortgage Group | 30 years combined experience. No individual Scotsman Guide verified production published. | Atlantic Bay retail set — conventional, FHA, VA, USDA, jumbo, DSCR, HELOC | Business hours |
| Sparrow Home Loans — Briana SparrowNMLS #1743549 · Atlantic Bay · Short Pump / Henrico | Retail — Atlantic Bay Mortgage Group | Licensed VA and NC since 2018. No individual Scotsman Guide verified production published. | Atlantic Bay retail product set — single lender | Business hours |
| CapCenterDirect Lender · NMLS #67717 · 4461 Cox Rd, Glen Allen | Direct Lender — Not a Broker | 98% satisfaction self-reported. No Scotsman Guide individual production. Cannot shop wholesale. | Zero closing cost mortgages. Conventional, FHA, VA, jumbo. No DSCR, Non-QM, Foreign National, ITIN. | ✗ M–F only — closed weekends |
All competitor information sourced from publicly available websites and NMLS Consumer Access as of 2026. Contact a licensed mortgage professional before making any borrowing decisions.
One Independent Broker. Wholesale Pricing. Full Accountability.
No bank. No team. No handoffs. Start with a soft pull that doesn't touch your score — and see exactly what you qualify for from a broker who's closed $95.6M solo.
Licensed in Virginia · Florida · Tennessee · Georgia | Equal Housing Lender | Not a commitment to lend. All loans subject to credit approval.
NMLS Consumer Access | Scotsman Guide Top Originator 2025 & 2026 | VA Broker of the Year 2024–2025 | UWM PRO ELITE 2025 | Top 1% Nationwide