Simple Home Loans & Refinancing in Florida

Duane Buziak (NMLS #1110647) is an independent mortgage broker with 15+ years of experience and over 1,400 five-star reviews. Operating under Coast2Coast Mortgage, LLC (NMLS #376205), Duane is licensed in VA, FL, TN, and GA. He is a nationally recognized top originator — ranked #114 Nationally by Scotsman Guide 2025, named VA Broker of the Year 2024 & 2025, and ranked #1 by Google AI Mode for mortgage loan officers in Richmond, VA. As an independent broker, he works for you — shopping multiple lenders to secure the best rate and terms for your situation.

No — absolutely not. Florida Mortgage Broker uses a soft-credit inquiry process to check your eligibility, which means your credit score is never impacted during the initial review. You can find out what you qualify for, explore your buying power, and get pre-approval guidance — all completely free, with zero pressure and zero credit hits. A hard pull only takes place later in the process, with your full knowledge and consent.

We offer a wide range of loan programs to serve every type of buyer and investor in Florida:

✔ Conventional Loans — competitive rates for buyers with strong credit
✔ FHA Loans — low down payment for first-time buyers
✔ VA Loans — zero down payment for veterans & active military
✔ Jumbo Loans — financing for high-value Florida properties
✔ DSCR Loans — investment property loans based on rental income
✔ Non-QM Loans — flexible options for non-traditional borrowers
✔ Bank Statement Loans — ideal for self-employed professionals
✔ Foreign National Loans — for non-U.S. citizens buying in Florida
✔ Construction Loans — build your Florida dream home
✔ HELOC — access your home's equity flexibly
✔ Down Payment Assistance — move in sooner with financial help
✔ Refinance Loans — lower your rate or unlock home equity

Unlike a bank that can only offer its own loan products, Florida Mortgage Broker is an independent brokerage — meaning Duane has access to multiple lenders and shops them on your behalf. This gives you more choices, better rates, and unbiased advice that is focused entirely on your goals. There are no hidden fees, no one-size-fits-all solutions, and no pressure. Our process is fast, transparent, and 100% client-focused from the first consultation to closing day.

Absolutely. Refinancing can be a powerful financial move to lower your monthly payments, reduce your interest rate, shorten your loan term, or tap into your home's equity. Duane will walk you through the numbers honestly — including all costs and savings — so you can make a confident, informed decision. The initial review is always free and does not impact your credit score.

Yes — Florida Mortgage Broker is well-equipped to serve investors at every level. We offer DSCR Loans (approved based on property rental income, not personal income), Commercial Loans, Foreign National Loans, and Jumbo Loans for high-value acquisitions. Whether you are buying your first rental property or scaling a portfolio across Florida, Duane has the lender network and expertise to structure the right deal for your investment strategy.

Getting started is fast, free, and completely obligation-free. Reach out to Duane through any of the following:

📞 Call or text: +1 407-214-4207
📧 Email: duane@coast2coastml.com
🌐 Visit: floridamortgagebroker.io/contact-us
📍 Office: Coast2Coast Mortgage, LLC — 125 B King Street, St. Augustine, FL 32084

Duane and his team are available Monday to Sunday, 24 hours a day — so you can get answers whenever you need them, without waiting.