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Self-employed borrowers in Virginia face a more complex mortgage process than W-2 employees, but the right loan program and documentation strategy can make approval straightforward. This step-by-step guide from Goochland County mortgage broker Duane Buziak covers how sole proprietors, LLC owners, contractors, and 1099 workers can qualify for a self employed mortgage Virginia — including USDA, VA, and FHA options — starting with a soft credit pull pre-approval that won’t affect your credit…

Virginia homebuyers have more low-down-payment options than most realize — from USDA zero-down financing in rural-eligible Goochland County to VA, FHA, and conventional loans with stacked down payment assistance. This guide breaks down 7 proven strategies, including how to explore your options with a soft credit pull and no hard inquiry required.

Buying land in Goochland County comes with a unique set of financing rules — stricter terms, higher down payments, and a narrower program field than a standard home mortgage. This guide breaks down every land loan option available to Goochland buyers in 2026, from USDA rural-zone benefits to VA construction paths, so you can match the right program to your parcel before you make an offer.

Goochland County’s River Road estates and Manakin-Sabot new construction are pushing purchase prices well past conforming loan limits, making the jumbo mortgage question unavoidable for many Virginia buyers. This guide by Duane Buziak (NMLS #1110647) breaks down when a jumbo mortgage in Virginia is truly necessary, and when conforming alternatives, VA loans with full entitlement, or piggyback structures can offer a smarter path to closing.

Virginia investors face a uniquely varied market — from Goochland County rural parcels to Short Pump single-family rentals — and choosing the wrong loan product can cost real money in higher rates, reserve requirements, and lost cash flow. This guide breaks down DSCR, conventional Fannie Mae, and rural investment property loan options available to Virginia borrowers, with straight talk from licensed mortgage broker Duane Buziak, NMLS #1110647.

Virginia homebuyers have more loan options than they may realize — from USDA zero-down programs in Goochland County’s rural corridors to VA, FHA, and conventional strategies across the Richmond metro. This guide breaks down 7 home purchase loans Virginia buyers can use to maximize savings, minimize out-of-pocket costs, and find the right program without triggering a hard credit inquiry.