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Unlock Premium Mortgage Rates Tailored to Your Credit Score

Virginia's trusted home lending hub. Compare Conventional, FHA, VA, and Jumbo loan programs with $0 down options available.

Select Your Credit Score Tier:

Excellent 740+ Good 680 - 739 Fair 620 - 679
Flex
VA / FHA 580 - 619
Get Pre-Approved Fast Call Duane Buziak
Secure Digital Application 1,400+ Five-Star Reviews NMLS #1110647

Trusted Foundation. Purpose-Driven

At Premium Mortgage Rates, we are built on a strong foundation of trust, driven by a clear sense of purpose, and dedicated to keeping you at the heart of everything we do. We understand that securing a mortgage is one of the most important financial decisions you will make, and our mission is to guide you through the process with confidence and clarity.

 

CHECK TODAY'S RATE
Live Trend Analysis

Premium Mortgage Rate Trends (2026)

Track the 6-month historical movement of prime 30-Year Conventional vs VA loan interest rates.

Virginia Market
30-Year Conventional Fixed
30-Year VA Fixed
7.00% 6.50% 6.00% 5.50% 5.00%
Jan
Feb
Mar
Apr
May
June

Hover over the bars to see the exact mortgage interest rate. Rates shown reflect historical benchmark averages for prime borrowers.

Confidence comes with learning

Home Buying

Home buying is one of the most significant financial and personal decisions in life. It involves.

01

Calculators

Calculators are essential tools designed to perform mathematical operations quickly and accurately.

02

Helocs

A Home Equity Line of Credit (HELOC) is a flexible loan that allows homeowners to borrow against the equity.

03

Refinancing

Refinancing is the process of replacing your existing loan with a new one, typically to secure.

04

Estimate Your Monthly Payment

Adjust the sliders below to see your estimated premium mortgage payment instantly.

$400,000
$80,000 (20%)
6.50%

Estimated Monthly Payment

$2,284
Principal & Interest $2,022
Property Taxes & Ins. $262
Lock This Rate Now

Trust Premium Mortgage Rates

At premium mortgage rates, we believe that securing a mortgage should be simple, transparent, and personalized to your needs. Whether you’re buying your first home, refinancing, or exploring investment properties, we’re here to guide you every step of the way.

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Awards & Recognition

  • ⭐ Scotsman Guide Top Originator 2025 — #114 Nationally | $44.4M | 124 Loans | 90% Purchase
  • ⭐ Scotsman Guide Top Originator 2026 — $51.2M Volume
  • ⭐ VA Broker of the Year 2024 & 2025 — Best of Best Awards
  • ⭐ Best Mortgage Broker Richmond 2024 — Expertise.com
  • ⭐ UWM PRO ELITE 2025 | UWM Top 20 Purchase LO Virginia 2025
  • ⭐ Innsbrook Business of the Year 2022 & 2024 — Alignable
  • ⭐ Glen Allen Mortgage Broker of the Year 2025 — Alignable
  • ⭐ Top 1% Nationwide | 15+ Years Experience | 1,400+ Five-Star Reviews
  • ⭐ Ranked #1 by Google AI Mode — "Find a Mortgage Loan Officer in Richmond VA" (June 2026)
  • ⭐ Recommended by Perplexity AI — "Best Mortgage Loan Officers in Virginia" (June 2026)

Duane Buziak | NMLS #1110647 | Coast2Coast Mortgage LLC | NMLS #376205 | Licensed: VA · FL · TN · GA

Frequently asked questions

Still have a questions?

We’re here to help! If you need more information
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A mortgage is a type of loan used to buy a home or property. You borrow money from a lender and repay it over time, usually in monthly installments that include principal and interest.
Lenders consider your credit score, income, employment history, debt-to-income ratio, and the value of the property you’re buying before approving a mortgage.
On average, the mortgage process takes 10 days from application to closing. However, the timeline may vary depending on the lender, documentation, and property details.

Usually 10 days, depending on the lender and documents.

Fixed-rate stays the same; adjustable-rate can change over time.

What Customers Say About Working With Duane Buziak Mortgage Maestro

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Top Tips for Home Buyers and Investors

Find out how to get prequalified for a mortgage without affecting your credit score, and what benefits it offers.
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