Duane Buziak Explains: Does Comparing Mortgage Rates Hurt Your Credit Score?
Does comparing mortgage rates hurt your credit score? Not if you use a soft-pull comparison, which has no effect on your score, and scoring models generally treat multiple mortgage inquiries made within a short window as a single inquiry. This guide separates soft pulls from hard pulls so you can shop lenders confidently instead of settling for the first quote.
Duane Buziak Explains: How to Follow the Steps to Apply for a Home Loan, From First Comparison to Closing
The steps to apply for a home loan run from a soft-pull comparison and pre-approval through document gathering, rate lock, formal application, underwriting, and closing. Licensed mortgage broker Duane Buziak walks through each stage, explains soft versus hard credit pulls, and shows what to have ready so you can compare offers without a hard inquiry.
When to Lock a Mortgage Rate: 6 Key Signals
Wondering when to lock a mortgage rate? Compare timing, costs, credit, and risk with a clear, no-hard-pull approach for homebuyers and refinancers today.
Duane Buziak Explains: 6 Strategies for Underwater Mortgage Refinance Options
Owing more than your home is worth does not always rule out a refinance. This guide walks through six underwater mortgage refinance options, from confirming your true loan-to-value ratio to programs that waive equity requirements, and explains why HARP, which ended in 2018, is no longer a path. Rules change, so verify current program terms before you apply.
Duane Buziak Explains: How Does a Free Mortgage Search Tool Work?
A practical guide to How does a free mortgage search tool work?.
Mortgage Options Explained: Choose the Right Loan
Mortgage options explained with clear loan comparisons, costs, credit guidelines, and a soft-pull way to compare choices without a hard inquiry first.
Duane Buziak Explains: How to Compare Mortgage Offers From Different Lenders, Step by Step
A practical guide to How do I compare mortgage offers from different lenders?.
Duane Buziak Explains: 7 Strategies to Lower Your Payment If You’re Struggling to Afford Your Monthly Mortgage Payment
A practical guide to struggling to afford monthly mortgage payment.
When Mortgage Rate Lock Expires: What Happens
Know what happens when mortgage rate lock expires, how relocks work, and practical steps that can protect your payment and timing before closing day!
Duane Buziak Explains: What Is a Soft Pull Mortgage Pre-Approval and How Does It Work?
A soft pull mortgage pre-approval is a preliminary credit review that gives you estimated loan terms without affecting your credit score. This guide explains what is a soft pull mortgage pre-approval, how it differs from a hard pull, where the estimates stop being reliable, and how to compare two offers side by side before you commit to a formal application.