In an industry increasingly dominated by automated systems and bot-driven customer service, Duane Buziak has built a practice on a simple premise: answer the phone yourself, anytime. That approach, combined with what he calls “NoTouch Credit” applications, has earned him back-to-back Virginia Broker of the Year awards in 2024 and 2025, along with placement at #114 in Scotsman’s Guide’s ranking of top mortgage officers nationwide.
Buziak operates as Branch Leader at Coast2Coast Mortgage Lending, licensed across Virginia, Florida, Georgia, and Tennessee. His credentials reflect a career trajectory that spans assistant vice president positions at five different banks, with experience in commercial banking, investment banking, and insurance. “Money management is all I know,” he states plainly in his professional materials.
Seven-Day Access Without the Automated Queue
The numbers tell part of the story: 68 written recommendations on LinkedIn alone, hundreds of five-star reviews across platforms, and recognition as Innsbrook’s Local Business of the Year in both 2022 and 2024. But what distinguishes Central Virginia mortgage services in this case isn’t just volume—it’s availability. Buziak provides his personal cell number as his corporate contact, maintaining seven-day-a-week access without answering machines or chatbots intervening.
The “NoTouch Credit” system allows prospective borrowers to receive pre-approvals using soft credit checks, avoiding the impact on credit scores that traditional hard inquiries create. These pre-approvals come with no obligation, and Buziak’s operation emphasizes fast close times through upfront underwriting designed to eliminate last-minute complications.
Access to Hundreds of Lenders
Rather than working with a single lending institution, Buziak maintains relationships with hundreds of lenders, positioning himself to shop rates and terms on behalf of clients. He’s also established alliances that include realtor networks offering discounts and what he describes as connections to the lowest-cost title company nationally. For qualified buyers, he offers multiple zero-down payment options.
His specializations include VA and FHA loans, along with participation in the Homes for Heroes program, which provides benefits to military members, veterans, first responders, healthcare workers, and teachers. With VA and FHA loan expertise representing a significant portion of his practice, Buziak has positioned himself as a resource for first-time buyers and those who may not qualify for conventional financing.
Scaling a Personal Service Model
Buziak’s stated goal is to double his business—an ambitious target for a model built on personal accessibility rather than automation. Whether that growth comes through expanded staff, additional licenses in new states, or simply processing more applications with his existing 24/7 schedule remains to be seen.
For now, he remains reachable at (804) 212-8663, the same number that’s answered calls throughout his rise to the top 1% of brokers nationally. In an industry where consolidation and technology often create distance between loan officers and borrowers, mortgage solutions in Virginia under Buziak’s approach represent a deliberate choice to maintain human contact at every stage of the process.
