Navigating the mortgage market doesn’t have to be overwhelming. We provide expert guidance and access to a wide range of lenders to ensure you get the most competitive rates. Whether you’re a first time buyer or looking to refinance, we’re here to secure the home of your dreams.
At My Loan Hawk, we believe that securing a mortgage should be a milestone to celebrate, not a source of stress. Our team combines deep market knowledge with a commitment to finding the perfect financial fit for every client we serve.
Choosing the right mortgage is one of the most significant financial decisions you will ever make. At My Loan Hawk, we simplify the complex world of lending by comparing hundreds of products to find the one that fits your unique life goals and budget.
We begin by understanding your unique financial goals and property aspirations. During this initial discovery phase, we evaluate your borrowing capacity and discuss the loan structures that best suit your lifestyle.
Our team makes the paperwork easy. We guide you through gathering the necessary financial statements and identification, ensuring your application is complete and professional before it ever reaches a lender.
We advocate on your behalf, submitting your application to the lenders that offer the most competitive terms. We manage the communication with the bank throughout the valuation and approval process until you have the keys in hand.
Look no further!!! You will be so happy that you found Duane!! My husband is a small business owner and wasn't able to qualify for a traditional loan due to itemizing business expenses and his adjusted gross income. I was researching for bank statement loans in Virginia and was lucky enough to have found Duane!! He has been a miracle worker since day 1. I reached out to him and explained the situation. He told me that if he couldn't get my husband approved than no one can! He's very knowledgeable and keeps you in the loop about everything. He never sleeps, he's up all day and night working! Not only did he get the approval but at a very good interest rate!! Duane will forever be my friend and go to for any real estate loans!! Don't think twice about it, just make the call and thank me later!!!
Working with Duane was a positive experience. He was professional, responsive, and made each step of the process easy to understand. He was available nearly all the time, always willing to answer questions and provide guidance whenever needed. Overall, the experience was smooth and straightforward, and I would recommend Duane to anyone looking for mortgage assistance.
I had a fantastic experience with transcend. Their mortgage specialists were knowledgeable, friendly, and supportive throughout the entire process. They took the time to understand my unique situation and provided me with a range of mortgage options that were tailored to my needs. Thanks to their expertise, I was able to secure a mortgage that fit my budget perfectly
Duane Buziak was a Godsend. With patience and outstanding professionalism, Duane guided me through not only a new home purchase, but navigating an emotional life transition. He is a master who competes with only him self…as he is number 1. He works tirelessly to garner the best interest rate and loan situation. He is respected by his peers and other professionals within his network. I couldn’t have made it through this daunting experience without his encouragement and expertise.
Navigating the mortgage process often comes with many questions. We’ve compiled answers to some of the most common inquiries to help you feel confident and informed as you move toward homeownership.
A mortgage is a loan that you take out to finance the purchase of a home. It is a long-term loan typically repaid over several years. The property you purchase serves as collateral for the loan, and if you fail to make the mortgage payments, the lender can foreclose on the property.
Several factors come into play when determining mortgage eligibility. These include your credit score, income, employment history, debt-to-income ratio, and the amount of your down payment. Lenders also consider the property's appraisal value and condition.
A fixed-rate mortgage has a set interest rate that remains unchanged throughout the loan term. This means your monthly mortgage payments will also remain consistent. In contrast, an adjustable-rate mortgage (ARM) offers an initial fixed-rate period, after which the interest rate can fluctuate based on market conditions.
Mortgage pre-approval is the process of determining the maximum loan amount you qualify for based on your financial information. It involves a thorough review of your credit, income, and assets. Pre-approval provides a clear understanding of your budget, helps you shop for homes within your price range, and strengthens your position as a serious buyer.
Yes, mortgage refinancing allows you to replace your current mortgage with a new one. People refinance for various reasons, such as obtaining a lower interest rate, changing from an adjustable-rate to a fixed-rate mortgage, or accessing equity for home improvements or debt consolidation. Refinancing can help save money or achieve specific financial goals.
The minimum down payment requirement varies depending on factors such as the type of mortgage and your eligibility. Conventional mortgages often require a down payment of at least 3% to 5% of the home's purchase price, while government-backed loans like FHA loans may have lower down payment options, such as 3.5%.
