True Zero-Down Home Financing — No Down Payment, No Guesswork

VA, USDA, and grant-based programs designed to get you into a home with $0 down.

Duane Buziak

Duane Buziak Mortgage Maestro

NMLS #1110647 · 5.0 (256+ Verified Reviews)

★★★★★
Trusted Zero-Down Hub
8
Licensed states
15+ yrs
Broker experience

Check Your Zero-Down Eligibility

Fill out the details below to see which home financing and grant programs match your profile instantly.

Duane Buziak
15+ Years of Mortgage
Expertise
MEET YOUR MORTGAGE MAESTRO

Duane Buziak

Senior Loan Officer | NMLS #1110647

Welcome to a seamless home financing experience. As your dedicated Mortgage Maestro, my mission is to turn the complex world of home loans into a clear, customized, and stress-free journey for you and your family.

Whether you are buying your very first home, upgrading to a new space, investing in property, or looking to refinance your existing mortgage, I bring decades of industry knowledge to ensure you secure the absolute best rates and terms tailored to your unique financial goals.

Custom Loan Programs

Tailored options for FHA, VA, Conventional, and Refinancing goals.

Transparent Process

No hidden fees, no confusion—just honest advice at every single milestone.

Primary Zero-Down Programs

Explore our flagship 100% financing options designed to help you buy without a down payment.

Military & Veterans

VA Loans — Zero Down for Veterans & Active Military

Unlock 100% financing with no monthly mortgage insurance (PMI) and competitive interest rates tailored for those who served.

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Rural & Suburban

USDA Loans — Zero Down for Rural & Suburban Buyers

Take advantage of zero-down financing in eligible suburban and rural pockets across our licensed states with low fixed rates.

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Grant & Assistance Tiers at a Glance

Quick visual breakdown of our available funding options before diving into the complete comparison grid below.

TOP TIER

Elevate

True Grant — Never Repaid
MIDDLE TIER

Boost & Aurora

Forgivable / Repayable Options
BOTTOM TIER

Zero Plus

Closing Costs Coverage (Never 'Grant')

All 8 Financing & Assistance Programs

Explore our complete breakdown of grants, forgivable seconds, and closing cost coverage solutions.

Forgivable Assistance

Boost Program

Down payment assistance structured as a forgivable second lien that completely writes off over a set period of owner-occupancy.

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Forgivable / Repayable

Aurora Program

Flexible financing support providing custom terms to bridge the gap between your savings and your total closing requirements.

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Closing Cost Coverage

Zero Plus Coverage

Dedicated closing cost coverage designed specifically to lower your cash-to-close out-of-pocket expenses at the settlement table.

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Repayable Second

Horizon Program

Affordable low-interest second mortgage option structured to help secure your home purchase with minimal upfront barriers.

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True Grant

Vanguard Grant

Targeted financial assistance program providing non-repayable funds to qualified first-time and repeat home buyers.

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Forgivable Option

Keystone Assistance

Regional assistance grant option focused on expanding homeownership access with structured forgiveness milestones.

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Closing Cost Coverage

Summit Coverage

Comprehensive credit-based closing cost coverage solution ensuring a smoother, lighter financial transition into your new property.

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Low Down Payment Alternatives

For buyers who don't qualify for zero-down programs but still want a low upfront cost to enter a home.

Conventional Option

Conventional — 3% Down

An accessible conventional financing route requiring as little as 3% down, ideal for buyers with solid credit seeking flexible mortgage insurance terms.

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Government Backed

FHA — 3.5% Down

A reliable government-backed loan requiring just 3.5% down, designed with forgiving credit guidelines to help more families qualify.

Learn More

Not Sure Which Program Fits You?

Skip the research — answer 4 quick questions and see what you likely qualify for in seconds.

Find My Program Now

Why Work With Duane Buziak?

Your trusted zero-down home financing expert committed to transparency, speed, and tailored results.

🌐

Licensed Across 8 States

Expert local guidance and programs tailored across multiple states to match your exact homebuying location.

📈

15+ Years Experience

Decades of specialized industry knowledge navigating complex zero-down and grant-based financing structures.

🛡️

No Hard Credit Pull

Check your program eligibility instantly without impacting your credit score or causing unwanted inquiries.

🏆

VA Broker of the Year

Recognized excellence for 2024 & 2025 in serving military and veteran families with 100% home financing.

Videos

Top Tips For HomeBuyers And Investors

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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
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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
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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
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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
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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
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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
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Peter Rees
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Duane Buziak is a true Mortgage Maestro! This was one of those real stories from first-time homebuyers in Richmond. complete stress free home loan process in Virginia. He delivered a low rate home loan tailored for you with fast and simple mortgage approval. We closed in under 4 weeks! No surprise he’s a word of mouth trusted mortgage expert in Virginia with referrals from satisfied home loan clients. If you want help finding the best mortgage rate in Virginia, Duane is the one you can trust.
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Seo plus
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I had an amazing experience working with Duane Buziak at Mortgage Maestro
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deborah van ness
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Duane was awesome and very patient with me. I never knew how stressful buying a home could be and I don’t do stress very well. Duane would assure me everything was on track and everything was going well. So, when I would feel stressed out all I have do get in touch with Duane he was always make me feel better. Thanks for everything!!!!!

Frequently Asked Questions About Zero-Down & Grant Financing

Clear, direct answers from Duane Buziak to help you navigate your home financing options with confidence.

VA loans are exclusively for eligible military members, veterans, and surviving spouses with 100% financing and no monthly mortgage insurance. USDA loans are designed for eligible rural and suburban home buyers based on geographic property location and household income limits, also offering zero down payment options.

A true grant (like Elevate) provides funds that never need to be repaid under any circumstances. A forgivable loan or second lien is structured assistance that writes off or forgives over a set period of owner-occupancy, provided you live in the home for the required duration.

No, it is not a grant. Zero Plus is dedicated closing cost coverage designed specifically to lower your out-of-pocket cash-to-close expenses at settlement through lender credits or tailored structural coverage, rather than functioning as free grant money.

If you don't qualify for zero-down programs, you still have great low down payment alternatives such as Conventional 3% down or FHA 3.5% down financing options, designed to get you into a home with minimal upfront out-of-pocket costs.

No. You can check your program eligibility through our calculator instantly without a hard credit pull or causing unwanted inquiries on your credit report.

We are fully licensed and active across 8 key regions: Virginia (VA), Florida (FL), Tennessee (TN), Georgia (GA), District of Columbia (DC), North Carolina (NC), South Carolina (SC), and Maryland (MD).

While many grant programs prioritize first-time buyers, several options—including VA loans and certain repeat-buyer assistance tiers—are available to individuals who have previously owned a home.

You can get started right away by using our interactive eligibility calculator on this page to check your programs, or by calling Duane Buziak directly at NMLS #1110647 for personalized guidance.

Duane Buziak

Duane Buziak

Mortgage Maestro | NMLS #1110647

Coast2Coast Mortgage LLC | True Zero Down Mortgage

Licensed in: VA, FL, TN, GA, DC, NC, SC, MD

📱 (804) 212-8663 | 📧 duane@coast2coastml.com