7 Strategies for an FHA vs Conventional Loan Comparison

This FHA vs conventional loan comparison shows Virginia buyers and refinancers how to judge each program on total cost rather than headline rate, weighing MIP, PMI, credit-score pricing, closing costs and how long the loan is held. Duane Buziak, NMLS #1110647, starts with a soft credit pull so you can compare both options without any score impact.

FHA Loan vs Conventional Loan: Which Is Better for Me?

This guide breaks down FHA loan vs conventional loan differences in credit score thresholds, down payments, and pricing, then runs real payment comparisons across rate scenarios and discount points breakeven math to help Richmond-area borrowers choose confidently.

6 Renovation Mortgage Loan Types — See Your Payment at 3 Different Rates

Virginia borrowers navigating fixer-upper purchases in 2026 have six distinct renovation mortgage loan types to consider — each with different rate structures, mortgage insurance rules, and renovation scope limits. This guide breaks down every option with a 3-scenario payment table, a discount points breakeven example, and a broker-vs.-single-lender comparison so you can make a fully informed decision before you commit.

Fannie Mae Loan Limits in Virginia — See Your Payment at 3 Different Rates

Virginia homebuyers crossing the Fannie Mae conforming loan limit enter a different mortgage pricing universe — one with higher rates, stricter terms, and real long-term cost differences. This guide breaks down the 2026 conforming limits by Virginia county, compares conforming vs. jumbo payments across three rate scenarios, and explains discount points breakeven so buyers can make a fully informed financing decision.

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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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