Your Path to Homeownership Starts Here

Finding the right mortgage doesn’t have to be complicated. Tennessee Mortgage Broker helps Tennessee homebuyers explore mortgage options, understand their financing choices, and take the next step toward owning a home with confidence.

Whether you’re buying your first home, upgrading to a new property, or refinancing your current mortgage, we’re here to help you navigate the process.

Personalized Guidance

Mortgage Solutions

Support From Application to Closing

WELCOME TO TENNESSEE MORTGAGE BROKER

A Smarter, More Personal Approach to Home Financing

Buying a home is one of the most important financial decisions you'll make. Having a clear understanding of your mortgage options can help you prepare for the journey ahead. At Tennessee Mortgage Broker, we believe home financing should be straightforward, transparent, and centered around your needs. Our goal is to help you understand available mortgage programs, evaluate your options, and identify a financing solution that aligns with your circumstances and homeownership goals. Whether you're just beginning your search or are ready to take the next step, we're here to help you move forward with confidence.

Mortgage Solutions Built Around Your Goals

Conventional Loans

Explore conventional mortgage financing for eligible homebuyers who want flexible loan options and terms suited to their financial goals.

First-Time Homebuyer Loans

Take your first step toward homeownership with guidance on mortgage programs, down payment requirements, and potential homebuyer assistance.

FHA Loans

Learn about FHA-insured mortgage options that may offer qualifying borrowers lower down payment requirements and flexible credit guidelines.

VA Loans

Eligible veterans, service members, and certain surviving spouses can explore VA-backed mortgage benefits, including qualifying options with no down payment.

Jumbo Loans

Finance a higher-value home with a Jumbo Loan designed for properties that exceed conventional loan limits. Explore flexible financing options tailored to your needs.

Mortgage Refinancing

Review refinancing options to see whether a new mortgage could better support your financial goals, monthly budget, or long-term plans.

THE TENNESSEE MORTGAGE BROKER DIFFERENCE

Mortgage Guidance Centered Around You

Your home financing journey deserves personal attention, clear communication, and an approach that considers your individual needs.

  • Personalized Guidance

    Understand your mortgage options with guidance tailored to your goals and financial circumstances.

  • Clear Loan Options

    Learn about available programs, eligibility considerations, costs, and loan terms before making decisions.

  • Straightforward Communication

    Get answers to your questions and a clearer understanding of the steps involved in mortgage financing.

  • Homeownership Focus

    Explore financing options with your homeownership goals and long-term financial plans in mind.

Years in business
0 +

50k+

Families or loans served

States served
0

100 s

VA loans

WHY WE LOVE TENNESSEE

gatlinburg sky park

Puckett’s Restaurant

AMC SPRING HILL

Mynatt Park

Cannonsburgh Village
 
Johnny Cash Museum

Top Tips for HomeBuyers and Investorsn

Free Homebuyer Resource Center

Everything You Need to Move Closer to Homeownership

Buying a home is a major milestone, and having the right information can make all the difference. Our Free Homebuyer Resource Center provides helpful guides, practical tips, and educational resources to help you understand the homebuying process and make informed decisions. Whether you're a first-time homebuyer, exploring mortgage options, saving for a down payment, or preparing to apply for a home loan, you'll find resources designed to guide you through every step of your journey.

VantageScore4.0

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.

Why VantageScore 4.0 Matters for Borrowers

Unlike older models, VantageScore 4.0 uses trended credit data and alternative payment histories to give a more complete picture of your financial responsibility

FIRST-TIME HOMEBUYERS

What we help first-time buyers understand.

From setting a realistic budget to knowing what to expect before an offer, we help you turn unfamiliar terms into a practical plan.

Free No Touch Credit

Your Credit is Safe with Us

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.

What clients are saying.

Real reviews, displayed through Trustindex.

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erika seaberry profile picture
erika seaberry
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great communication, efficient, and friendly:) got the clear to close in less than two weeks ! awesome
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Daniel B profile picture
Daniel B
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Duane Buziak made what could have been a stressful mortgage experience feel easy and manageable. His communication was excellent, and he took the time to make sure I understood every detail along the way. I always felt like a priority, and his expertise gave me confidence throughout the process. Duane is knowledgeable, honest, responsive, and truly cares about his clients' success. I couldn't be happier with my experience and would recommend him to anyone looking for a mortgage professional they can trust. Thank you, Duane, for making my first home-buying journey such a positive one!
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Collene Sikora profile picture
Collene Sikora
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Duane was remarkable to work with on the purchase of our new home. He made the process simple. Things that were complicated, he was able to break down so we understood exactly what we needed to do to move forward. He and his team were quick and efficient with processing our items, notifying if anything was missing, and communicating through every step of the process. Anytime we had a question, we could call, text, or email and he responded right away. I’m truly not sure if he sleeps because he was genuinely available around the clock. Duane presented all of the options in a clear manner and stated the pros and cons of each so we felt confident with our choices. He listened to our unique situation and got us the lowest possible cash to close amount. Even the sellers team complimented at closing how incredible Duane and his team were to work with, saying in all of their years, they had never worked with anyone better. This is the 2nd home Duane has helped me purchase and I strongly recommend him as the only “mortgage guy” I will ever trust.
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Nathanael Bell profile picture
Nathanael Bell
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Duane is the man! He came highly recommended by our realtor, and he absolutely lived up to the expectations set by the many awards and recognitions he’s received. He helped us navigate the mortgage process seamlessly, explained everything clearly, including the interest rates, and made sure we locked in at the right time (phew!). If you need a mortgage broker, we highly recommend Duane! He goes above and beyond to answer every question, keep you informed throughout the process, and make sure you close on time. We couldn’t have asked for a better experience!
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haley alvis profile picture
haley alvis
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Duane and his team were great! Duane answered all my questions in a timely manner and was patient with me when I asked the same questions over and over. He took the time to explain things in a simple way so I can understand them. Even in times of doubt and uncertainty, he was there to make sure everything was still running smoothly! I definitely recommend his services!
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Zack Broaddus profile picture
Zack Broaddus
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Legendary mortgage broker. Duane's level of service is extremely hard to come by these days. He goes above and beyond with everything that he does. He did a mortgage for me 5 years ago and another last week, same great service after all of that time. You want Duane on your team.
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Amanda O'Briant profile picture
Amanda O'Briant
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
If you’re looking for a mortgage broker who truly understands complex lending situations, I can’t recommend Duane Buziak highly enough. There’s a reason people call him “The Mortgage Maestro.” I had one of those more complicated situations—FHA, down payment grant programs, employment gaps, less-than-perfect credit, and all the moving pieces that come with that. From the very beginning, he treated me with kindness and respect. There was never a hint of judgment, just genuine patience and a desire to help me figure out the best path forward. What impressed me most is that he’s an absolute numbers savant. He can take what feels like an overwhelming pile of mortgage rules, income calculations, credit questions, and loan options and explain everything in a way that actually makes sense. He listened carefully to my situation instead of trying to fit me into a one-size-fits-all solution. Then he laid out every option I had, explaining the pros and cons of each so I could make an informed decision. He’s incredibly responsive—always available to answer questions, no matter how small, and amazingly fast. Every time he said he was going to do something, he did it. No chasing him down, no wondering where things stood. That kind of reliability is rare. And when the inevitable curveballs came up—as they often do in real estate, like inspection issues or other unexpected hurdles—Duane never got flustered. Instead, he quickly pivoted, came up with a new game plan, and kept everything moving forward. He has a calm confidence that’s incredibly reassuring when you’re stressed and wondering what’s going to happen next. Most importantly, I never felt like I was just another file on his desk. I genuinely felt like he put my needs first, even when that meant taking extra time to explain something or explore another option that might work better for me. That level of honesty and integrity is hard to find. Buying a home is stressful enough. Having someone you can completely trust makes all the difference. I would recommend Duane Buziak, “The Mortgage Maestro,” without hesitation to anyone, especially if you have a more challenging mortgage situation. He’s knowledgeable, compassionate, incredibly sharp, adaptable, and exactly the kind of person you want in your corner.
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Crypto-browngurl Hope profile picture
Crypto-browngurl Hope
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Duane returned emails, return calls immediately to get me through the process. Plus answers questions with great detail to help you understand.
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Phil Springer profile picture
Phil Springer
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Working with Duane Buziak was a great experience. He’s a trusted mortgage loan officer in Virginia who made the home loan process smooth and stress free. He helped us secure a low rate mortgage with fast approval and great communication. Highly recommend if you’re looking for the best mortgage rates in Virginia
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Jacob Poullath profile picture
Jacob Poullath
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Duane was the best. He worked with us all the way up until the end late nights and early morning. He gives updates and responds asap. He helped us when the seller was dragging feet and turning in paperwork after hours making the whole process a lot less stressful. Duane is the man
Trust Badges - Tennessee
FastExpert Profile
Tennessee Highlights
Press Feature
Award-Winning Mortgage Broker Duane Buziak Named 2024 and 2025 Virginia Broker of the Year

As featured in Knox News — recognition for Duane Buziak's work helping homebuyers.

Read on Knox News
Grants & DPA
Tennessee Grants & Down Payment Assistance

Explore Tennessee-specific grant and down payment assistance programs through The Housing Fund.

Visit The Housing Fund

Frequently asked questions

Quick answers about home loans, rates, and the application process.

What types of home loans do you offer?

We offer a range of mortgage options, including conventional, FHA, VA, USDA, and jumbo loans, plus fixed-rate and adjustable-rate programs. A loan officer can help you compare them based on your goals and budget.

How much do I need for a down payment?

It depends on the loan type. Some programs allow as little as 0% to 3.5% down, while conventional loans often call for 3% to 20%. Putting down less than 20% usually means paying mortgage insurance.

What credit score do I need to qualify?

Minimums vary by program. Many conventional loans start around 620, and FHA loans can accept lower scores. A higher score generally gets you a better interest rate, so it is worth checking your credit before you apply.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is a quick estimate of what you might borrow, based on information you give us. Pre-approval is more thorough: we verify your income, assets, and credit, and you receive a letter that shows sellers you are a serious buyer.

What documents will I need to apply?

Typically you will need recent pay stubs, W-2s or tax returns (usually two years), bank and asset statements, a photo ID, and details about your employment and debts. Self-employed borrowers may need additional business documents.

How long does the mortgage process take?

Most loans close in about 30 to 45 days from application. Timing depends on the loan type, the appraisal, and how quickly documents are provided.

What are closing costs, and how much should I expect to pay?

Closing costs cover lender fees, appraisal, title insurance, taxes, and prepaid items. They generally run 2% to 5% of the loan amount. You will receive a Loan Estimate within three business days of applying, so you can see the costs up front.

Should I choose a fixed-rate or adjustable-rate mortgage?

A fixed-rate loan keeps the same payment for the life of the loan, which suits buyers who value stability. An adjustable-rate mortgage starts with a lower rate that can change over time, which may suit buyers who plan to move or refinance within a few years.

Can I refinance my current mortgage?

Yes. Homeowners refinance to lower their rate, shorten their loan term, switch from an adjustable to a fixed rate, or tap into home equity. We can help you work out whether the savings outweigh the closing costs.

How do I get started?

You can apply online, call us at [PHONE NUMBER], or email [EMAIL ADDRESS] to speak with a loan officer. There is no obligation to get answers to your questions or a personalized quote.

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.

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