Yes. Duane Buziak’s free mortgage comparison tool lets you see rate and program options from hundreds of wholesale lenders in a single soft-pull search, with no obligation and no hard credit inquiry. Instead of contacting one bank at a time and hoping the numbers line up, you submit your information once through Free Mortgage Search by Duane Buziak and get back scenarios you can actually compare side by side. Below is how the tool works, how it stacks up against shopping a single lender’s shelf, and what a real comparison looks like once you run the math.
How Duane Buziak’s NoTouch Credit Pull Comparison Works
A common misconception stops people from comparison shopping in the first place: the belief that every rate quote triggers a hard inquiry that dings their credit score. That’s true for some retail lenders, but it isn’t how Duane Buziak’s tool operates. His NoTouch Credit Pull process uses a soft credit inquiry, the same type used for pre-qualification checks and account reviews, so you can see comparative loan scenarios without a hard pull landing on your credit report.
The process itself is simple. You submit basic financial information once, income, estimated credit range, target purchase price or refinance amount, and property state. That single submission is matched against wholesale pricing from hundreds of lenders in Duane’s network, and you receive multiple scenarios back for review: different rate and term combinations, different closing cost structures, different program fits. There’s no obligation to proceed with any of them, and no second or third application needed to see a second or third option.
This matters because rate shopping through traditional channels usually means either accepting one lender’s single quote at face value or applying separately with several banks, each pulling credit individually. The Consumer Financial Protection Bureau notes that multiple mortgage inquiries within a focused shopping window are generally scored as a single inquiry by most credit scoring models, but that protection only helps once you’re already past the soft-pull stage. NoTouch Credit Pull removes that step entirely for the comparison phase, so you’re deciding which lender to move forward with before your credit is touched at all. You can read more about how inquiries and scoring windows work directly from the Consumer Financial Protection Bureau.
For active rate-shoppers, this changes the calculus. You’re no longer weighing “is it worth the credit hit to check one more option.” You can check several, compare the actual numbers in front of you, and only allow a hard pull once you’ve picked the scenario you want to move forward with. That’s the version of “Dare to Compare” this tool is built around: see the real numbers first, commit second.
Broker-Sourced Comparisons vs. a Single Lender’s Shelf
A retail lender, whether that’s a direct national brand like Rocket Mortgage, Movement Mortgage, Guild Mortgage, NFM Lending, or Alcova Mortgage, can only offer its own products at its own pricing. Their loan officers are working from a single shelf. If that shelf doesn’t have the program structure or rate tier that fits your file best, you won’t see it, because there’s nothing else to show you.
Duane Buziak, as a broker, works differently. One application gets submitted to hundreds of wholesale lenders, and the pricing and program variation that surfaces from that single submission is something a single-shelf lender structurally can’t replicate, because they’re not comparing against anyone else’s pricing, just presenting their own.
The table below lays out the practical differences across the dimensions that matter most when you’re comparing options.
| Dimension | Single Bank/Lender | Broker-Sourced Comparison (Duane Buziak) |
|---|---|---|
| Access to lenders | One institution’s in-house products only | Hundreds of wholesale lenders through one submission |
| Credit impact to compare options | Often requires a hard pull per application | NoTouch Credit Pull soft inquiry, no hard pull to compare |
| Rate visibility | One rate sheet, no external reference point | Multiple wholesale rate scenarios shown side by side |
| Program variety | Limited to that lender’s approved program list | Conventional, FHA, VA, and USDA structures compared where applicable |
| Closing cost flexibility | Fixed to that lender’s fee structure | Multiple structures, including no-out-of-pocket closing options |
None of this is a knock on the national anchor lenders listed above. They’re legitimate, established retail options for buyers who prefer working with one company directly. The distinction is structural, not a quality judgment: one path shows you a single shelf, the other shows you a market.
What Gets Compared: Programs, Rates, and State-Specific Limits
When you run a comparison, you’re not just looking at one interest rate number. You’re looking at how conventional, FHA, VA, and USDA program structures differ for your specific file, where each of those applies in your licensed state. Down payment requirements, mortgage insurance structures, and rate pricing can vary meaningfully between programs even when the loan amount is identical, and a single-lender quote won’t show you that spread.
Loan amount also matters directly to which programs are even available to you. As of 2026, the baseline conforming loan limit set by the Federal Housing Finance Agency is $806,500 for a one-unit property, with high-cost area ceilings reaching up to $1,249,125. Your actual limit depends on the county where you’re buying, so it’s worth confirming your specific figure before assuming a loan amount falls inside or outside conforming territory, since going above the limit shifts you into jumbo pricing and different underwriting standards entirely.
These comparisons only apply where Duane Buziak is actually licensed to originate: Virginia, Florida, Tennessee, Georgia, the District of Columbia, North Carolina, South Carolina, and Maryland. If you’re purchasing outside those states, the tool isn’t the right fit, and it won’t return results for you. Within those states, though, the comparison covers the same programs and lender network regardless of which of the eight you’re in, there’s no separate version of the tool for one state versus another.
A Worked Example: Comparing Two Loan Quotes on a $400,000 Purchase
Numbers make this concrete. Suppose you’re financing $400,000 on a 30-year fixed loan and you’re comparing two quotes: one at 6.75% and one at 6.25%.
At 6.75%, the monthly principal-and-interest payment on that $400,000 balance works out to approximately $2,594.66. At 6.25%, the same loan amount and term produces a monthly payment of approximately $2,463.16. That’s a difference of about $131.50 every single month, just from a half-point rate spread.
Extend that over the life of the loan and the gap widens dramatically. Over 360 payments, the 6.75% loan accrues roughly $533,878 in total interest. The 6.25% loan accrues roughly $486,738 in total interest. That’s a lifetime interest difference of approximately $47,140, on the same loan amount, same term, same borrower, the only variable is which quote you accepted.
This is the core reason comparing more than one quote matters in practice, not just in theory. A buyer who takes the first number offered, without a second scenario to weigh it against, has no way of knowing whether they landed closer to the 6.75% side or the 6.25% side of that spread. A soft-pull comparison is what makes checking that spread possible without cost or credit consequence.
One caveat worth weighing alongside the rate: no-out-of-pocket closing options can reduce or eliminate what you pay at the closing table by adjusting the rate slightly upward or rolling costs into the loan structure. That can be the right move for a buyer prioritizing cash-on-hand, but it should be weighed against the rate difference shown above, since a slightly higher rate to avoid upfront costs still compounds over 30 years the same way the 6.75% example did. Seeing both structures side by side, rather than accepting whichever one a single lender happens to offer, is what a real comparison is for.
Frequently Asked Questions About Free Lender Comparison Tools
Does comparing mortgage rates hurt my credit?
Not through Duane Buziak’s tool. NoTouch Credit Pull uses a soft inquiry to generate comparison scenarios, so checking multiple options doesn’t trigger a hard pull or affect your score.
Is the comparison tool really free?
Yes. There’s no cost to submit your information and receive scenarios from Free Mortgage Search by Duane Buziak, and no obligation to move forward with any lender shown.
Am I obligated to use a lender I’m matched with?
No. The scenarios are for your review. You choose whether to proceed with any of them, and nothing is finalized until you apply directly with a specific lender.
How many lenders will I see options from?
Your submission is matched against pricing from hundreds of wholesale lenders in Duane Buziak’s network, so you’re seeing a range of scenarios rather than a single quote.
Is this the same as applying for a loan?
No. The comparison step is informational and uses a soft credit pull. A formal loan application, which involves a hard credit inquiry, happens later and only if you decide to move forward.
How is working with a broker different from going to a bank directly?
A bank can only offer its own in-house products and pricing. Duane Buziak, as a broker, submits your file to hundreds of wholesale lenders at once, so you see pricing and program variation a single bank’s shelf can’t show.
Does this work for refinancing, not just purchases?
Yes. The same soft-pull comparison process applies whether you’re financing a purchase or exploring a refinance, and the same broker-sourced lender network is used either way.
What states is this available in?
Duane Buziak is licensed in Virginia, Florida, Tennessee, Georgia, the District of Columbia, North Carolina, South Carolina, and Maryland. The comparison tool is available to buyers and homeowners in those states.
Ready to See Your Own Numbers Side by Side
The worked example above shows exactly why a single quote isn’t the same as a real comparison, a half-point spread on a $400,000 loan adds up to tens of thousands of dollars over 30 years, and you won’t know where you land on that spread until you check more than one scenario. Dare to Compare is built around that exact problem: run a NoTouch Credit Pull search, see multiple wholesale-lender scenarios side by side, and decide from there with no pressure and no hard inquiry until you’re ready to move forward. Your dream home is within reach. Start comparing personalized mortgage rates from trusted lenders today and discover the loan solution that fits your budget and goals. Compare rates now and take the first step toward securing your home with expert guidance every step of the way.
