Rate Friendly is your one-stop destination for smarter mortgage solutions — serving homebuyers and investors across Virginia with competitive rates, no hidden fees, and expert guidance at every step.
Led by Duane Buziak, your Mortgage Maestro, we offer access to countless loan options as an independent broker — possibly the most in the state.
Every application starts with a soft-credit inquiry that never impacts your score. No obligations, no pressure — just clear, honest answers.
When it comes to getting a mortgage, you deserve a rate-friendly experience from people who truly have your best interests at heart.
See which loan fits you better — FHA or Conventional
Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA · FL · TN · GA . DC
Welcome to Rate Friendly! I’m Duane Buziak, your Mortgage Maestro and licensed home loan expert. As an independent broker, I provide unbiased guidance with access to countless loan options — possibly the most in the state.
Plus, every application begins with a gentle, soft-credit inquiry that never impacts your score.
Your complete guide to home buying—covering mortgages, credit, rates, and expert tips to simplify every step of ownership.
Use our smart calculators to explore loan options, estimate payments, and discover what’s financially possible based on your numbers.
Stay updated with the latest mortgage rates and learn how lower rates can impact your payments, savings, and overall home affordability.
Gain clear insight into refinancing—how it works, when it’s beneficial, and ways it can lower payments or unlock financial flexibility.
Deep understanding of VA, FHA, Jumbo, and Conventional loans so you're never in the dark.
Work with me to buy your home and get guaranteed findings without harming your credit. Ask me about a soft-touch credit pull—it’s quick, easy, and won’t leave a mark on your score
Whether you’re buying or selling, we make the process simple. We are committed to delivering a high level of service and information, ensuring you receive an exceptional experience.
We offer lower mortgage loans with competitive rates, no hidden fees and guidance at every step. Start now by getting your BuyAbility℠ to see what you can afford in real time. Already working with us? Access your dashboard
We don’t run your credit multiple times – we protect it. Your score stays safe.
No fees, no obligations. Just answers – fast and free.
Get a clear view of your buying power in minutes without paperwork.
Everything you need to know about working with Duane Buziak — your Mortgage Maestro at Rate Friendly.
Rate Friendly is not a bank — we are an independent mortgage brokerage led by Duane Buziak (NMLS #1110647), operating under Coast2Coast Mortgage, LLC (NMLS #376205). As an independent broker, we work for you, not for any single lender. That means we shop dozens of loan options to find the most competitive rate and terms for your unique situation — with no hidden fees, no pressure, and no credit score impact during the initial process. Our goal is simple: get you the best mortgage deal possible.
No — every process at Rate Friendly starts with a soft-credit inquiry that never impacts your credit score. You can explore your loan options, check your buying power, and get answers completely free and without any risk to your credit. A hard pull only happens later in the process, with your full knowledge and consent.
Rate Friendly offers a full range of home loan programs including:
✔ VA Loans — for veterans and active-duty military
✔ FHA Loans — low down payment options for first-time buyers
✔ Conventional Loans — flexible terms for qualified buyers
✔ Jumbo Loans — for higher-value properties
✔ Refinance Loans — lower your rate or access home equity
As an independent broker, Duane has access to multiple lenders — giving you more choices and better rates than a single bank can offer.
Unlike a bank that can only offer its own products, Rate Friendly is an independent mortgage broker. This means Duane works for you — not for a lender. He shops dozens of loan options to find the most competitive rate and terms for your specific situation. There are no hidden fees, no pressure, and no one-size-fits-all solutions. You get personalized advice backed by deep market knowledge.
Getting started is fast, free, and easy. You can:
📞 Call or text: 1 804-212-8663
📧 Email: duane@coast2coastml.com
🌐 Get a quick quote online in just a few minutes
There's no paperwork required upfront and no obligation. Duane is available 24 hours a day, 7 days a week to answer your questions.
Absolutely. Refinancing can be a smart move to lower your monthly payments, reduce your interest rate, or access your home's equity. Duane will walk you through whether refinancing makes financial sense for your situation, explain all the costs involved, and help you find the best refinance option available — all without impacting your credit score during the initial review.
Rate Friendly primarily serves homebuyers and investors across Virginia, with deep expertise in the Richmond metro area including Glen Allen, Henrico County, Short Pump, and Midlothian. For out-of-state inquiries, reach out directly to Duane at duane@coast2coastml.com or call 1 804-212-8663 to discuss your options. Coast2Coast Mortgage operates in multiple states.
