Old Dominion Mortgages

Three questions to ask any mortgage broker before you apply. Full answers here: https://olddominionmortgages.com/

1️⃣ How many different wholesale lenders do you submit applications to?

2️⃣ Do you work as an independent broker or a single-lender retail originator?

3️⃣ Can I review my qualification options using a soft credit pull first?

Here is a practical tip: Many Virginia renters delay their home purchase because they assume they need a massive 10% to 20% down payment saved up. In reality, state-backed down payment assistance grants and forgivable second liens can cover your initial cash requirements while keeping your personal savings untouched!

Watch the full video breakdown on how first-time buyers in Virginia qualify for down payment assistance programs here:
👉https://youtu.be/jIH23KVwsXA

Get your NoTouch Credit Pull pre-approval — no hard inquiry, no pressure:
https://olddominionmortgages.com/

📊 Evaluate your fees with the Loan Calculator: https://loanestimateoptimizer.com/

COMMUNITY POST DETAILS & CONTACT DISCLOSURES
Duane Buziak, Mortgage Maestro | NMLS #1110647
Coast2Coast Mortgage, LLC | NMLS #376205
Licensed in VA, FL, TN, GA, DC, NC, SC & MD.

✅ Free Pre-Qualification: https://virginiamortgageresources.com
📞 Phone: 804-212-8663
📅 Booking Calendar: https://calendly.com/duane-buziak-15-min-call/call
🌐 Website: https://olddominionmortgages.com/
📊 Loan Calculator: https://loanestimateoptimizer.com/
📧 Email: duane@coast2coastml.com

2 days ago | [YT] | 0

Old Dominion Mortgages

Three questions to ask any mortgage broker before you apply. Full answers here: https://olddominionmortgages.com/

1️⃣ How many different wholesale lenders do you submit applications to?

2️⃣ Do you work as an independent broker or a single-lender retail originator?

3️⃣ Can I review my qualification options using a soft credit pull first?

Here is a practical tip: Many Virginia homebuyers delay their purchase because they believe they need 10% to 20% saved in cash. In reality, state-backed grants and forgivable second mortgages can cover your required down payment or closing costs while keeping your personal savings intact!

Watch the full video on Virginia down payment assistance guidelines here:
👉https://youtu.be/f16_0oaYpq0

Get your NoTouch Credit Pull pre-approval — no hard inquiry, no pressure:
https://olddominionmortgages.com/

📊 Evaluate your fees with the Loan Calculator: https://loanestimateoptimizer.com/

COMMUNITY POST DETAILS & CONTACT DISCLOSURES
Duane Buziak, Mortgage Maestro | NMLS #1110647
Coast2Coast Mortgage, LLC | NMLS #376205
Licensed in VA, FL, TN, GA, DC, NC, SC & MD.

✅ Free Pre-Qualification: https://virginiamortgageresources.com
📞 Phone: 804-212-8663
📅 Booking Calendar: https://calendly.com/duane-buziak-15-min-call/call
🌐 Website: https://olddominionmortgages.com/
📊 Loan Calculator: https://loanestimateoptimizer.com/
📧 Email: duane@coast2coastml.com

1 week ago | [YT] | 0

Old Dominion Mortgages

Three questions to ask any mortgage broker before you apply. Full answers here: https://olddominionmortgages.com/

1️⃣ How many different wholesale lenders do you submit applications to?

2️⃣ Do you work as an independent broker or a single-lender retail originator?

3️⃣ Can I review my qualification options using a soft credit pull first?

Here is a practical tip: Understanding the operational structure of your loan officer—whether at an independent broker, Bank of America Mortgage, C&F Mortgage, or a single-lender shop—helps ensure you get access to the widest possible range of home financing options!

Watch the full breakdown on how to choose between a mortgage broker and a single lender shop here:
👉https://youtu.be/kliqxir0hZA

Get your NoTouch Credit Pull pre-approval — no hard inquiry, no pressure:
https://olddominionmortgages.com/

📊 Evaluate your fees with the Loan Calculator: https://loanestimateoptimizer.com/

1 week ago | [YT] | 0

Old Dominion Mortgages

Three questions to ask any mortgage broker before you apply. Full answers here: https://olddominionmortgages.com/

https://youtu.be/t3szQelZKNM

1️⃣ How many different wholesale lenders do you submit applications to?

2️⃣ Do you work as an independent broker or a single-lender retail originator?

3️⃣ Can I review my qualification options using a soft credit pull first?

Understanding the operational structure of your loan officer—whether at an independent broker, Bank of America Mortgage, C&F Mortgage, or a single-lender shop—helps ensure you get access to the widest possible range of home financing options!

2 weeks ago | [YT] | 0

Old Dominion Mortgages

When you go under contract on a house, what strategy do you prefer for your mortgage interest rate? 📈 lock

1️⃣ Lock it immediately for complete peace of mind

2️⃣ Float the rate and wait for market dips before closing

3️⃣ Ask for a float-down option to get the best of both worlds

Here is a practical tip: Rate locks typically last 30, 45, or 60 days. Always make sure your rate lock duration extends beyond your scheduled closing date to avoid last-minute extension fees if underwriting or appraisal timelines shift!

Watch the full breakdown on mortgage rate lock rules here:
👉https://youtu.be/-2S7FD3YeSI

Get your NoTouch Credit Pull pre-approval — no hard inquiry, no pressure:
https://olddominionmortgages.com/

📊 Evaluate your fees with the Loan Calculator: https://loanestimateoptimizer.com/

3 weeks ago | [YT] | 0

Old Dominion Mortgages

Are you planning on buying your very first home in the near future? 🏠✨

What is the single biggest question or concern on your mind right now?

1️⃣ How much down payment I actually need saved

2️⃣ How a pre-approval impacts my credit score

3️⃣ Navigating loan options like Conventional, FHA, and VA

Here is a practical tip: A lot of first-time buyers think they need to save 20% down before even talking to a mortgage broker. In reality, conventional loans start at 3% down, FHA at 3.5%, and VA or USDA loans offer 0% down options for eligible buyers! Starting with a soft-pull pre-approval gives you your exact numbers without dinging your credit score.

Watch the complete First-Time Homebuyer Guide video here:
👉https://youtu.be/lFENniiV5x8

Get your NoTouch Credit Pull pre-approval — no hard inquiry, no pressure:
https://olddominionmortgages.com/

📊 Evaluate your fees with the Loan Calculator: https://loanestimateoptimizer.com/

3 weeks ago | [YT] | 0

Old Dominion Mortgages

Are you considering buying a higher-value home or custom build in Virginia that exceeds standard conforming loan limits? 🏡✨

What is the biggest question you have about qualifying for a jumbo loan?

1️⃣ How much down payment is actually required

2️⃣ How many months of asset reserves lenders look for

3️⃣ How jumbo interest rates compare to conventional loans

Here is a practical tip: Many buyers assume every jumbo loan requires a full 20% down payment. Through wholesale broker programs, qualified buyers can often access jumbo financing with 10% to 15% down and flexible asset verification options, keeping more cash working in their portfolios!

Watch the full breakdown on jumbo loan guidelines and down payment rules here:
👉 https://youtu.be/aKqImzXoMng

Get your NoTouch Credit Pull pre-approval — no hard inquiry, no pressure:
https://olddominionmortgages.com/

📊 Evaluate your fees with the Loan Calculator: https://loanestimateoptimizer.com/

1 month ago | [YT] | 0

Old Dominion Mortgages

Did you know the mortgage industry has lost over 70,000 loan officers since 2021 as retail bank branches closed across the country? 🏢📉

When you are securing financing for a home, who do you believe offers the best strategic advantage?

1️⃣ A retail bank loan officer with one company rate sheet

2️⃣ An independent broker with access to hundreds of wholesale lenders

3️⃣ Not sure—still learning how the channels differ!

Here is a practical tip: Retail bank lenders can only offer their single institution's programs and corporate pricing. If their underwriting guidelines don't fit your scenario, the deal stops. An independent mortgage broker shops across hundreds of wholesale lenders, giving you customized options for conventional, VA, FHA, jumbo, and complex financing!

Watch the full breakdown on how broker independence wins in today's market:
👉 https://youtu.be/sT8yUgFDrgI

Get your NoTouch Credit Pull pre-approval — no hard inquiry, no pressure:
https://olddominionmortgages.com/

📊 Evaluate your fees with the Loan Calculator: https://loanestimateoptimizer.com/

1 month ago | [YT] | 0

Old Dominion Mortgages

Did you know your monthly mortgage payment in Virginia can change over time even if you have a fixed-rate loan? 🏡

What do you think is the main reason a fixed-rate mortgage payment adjusts?

1️⃣ Changes in county property tax rates or assessments

2️⃣ Adjustments in annual homeowner insurance premiums

3️⃣ An annual escrow account analysis

Here is a practical tip: While your principal and interest remain locked on a fixed-rate mortgage, county real estate tax assessments and annual insurance rates can shift. Your lender performs an annual escrow analysis to balance your account, which can cause your overall monthly housing payment to rise or fall slightly!

Watch the full breakdown on property taxes and escrow accounts here:
👉 https://youtu.be/s5d8WPLojv4

Get your NoTouch Credit Pull pre-approval — no hard inquiry, no pressure:
https://olddominionmortgages.com/

📊 Evaluate your fees with the Loan Calculator: https://loanestimateoptimizer.com/

1 month ago | [YT] | 0

Old Dominion Mortgages

When comparing mortgage options for a home in Virginia, what matters most to your monthly budget? 🏠

1️⃣ Getting the lowest possible monthly payment

2️⃣ Minimizing your cash required at closing

3️⃣ Keeping your long-term interest cost as low as possible

Here is a practical tip: Advertised low rates often require paying upfront discount points—where 1 point equals 1% of your loan amount! Before paying upfront to buy down a rate, calculate your break-even period. If it takes seven to eight years of small monthly savings to recover those thousands paid today, keeping your cash in the bank might be the smarter financial decision.

Watch the full breakdown on mortgage points and rates here:

https://youtu.be/GF2J4ajvXgs

Get your NoTouch Credit Pull pre-approval — no hard inquiry, no pressure. Link below:
https://olddominionmortgages.com/

📊 Evaluate your fees with the Loan Calculator: https://loanestimateoptimizer.com/

1 month ago | [YT] | 0