Can FHA Use Gift Funds for Your Down Payment?
Can FHA use gift funds for a down payment? Learn donor rules, documentation, cash-to-close math, and how to compare FHA loan options with clarity first.
Duane Buziak Explains: What Happens When Your Mortgage Rate Lock Expires Before Closing
When a mortgage rate lock expires before closing, borrowers face real financial risk — but also real options. Duane Buziak of MortgageRateHawk.com, a Scotsman Guide Top Originator and $95.6M solo producer, breaks down why rate locks expire, what extensions cost, and the concrete steps to protect your loan and close with confidence.
203k Renovation Loan Requirements Explained
Learn 203k renovation loan requirements, costs, credit rules, and the documents you need to buy and repair a home with an FHA 203k loan before closing.
How to Use a Mortgage Insurance Cost Calculator: Duane Buziak’s Step-by-Step Guide (2026)
A Mortgage Insurance Cost Calculator stops being a black box once you know the four inputs that drive PMI, MIP, and VA funding fee math — this step-by-step guide from Scotsman Guide Top Originator Duane Buziak walks homebuyers through a real $320,000 Virginia purchase scenario to find the lowest total-cost loan structure and plan a clear exit from mortgage insurance from day one.
Typical FHA Loan Fees Explained: What Duane Buziak Wants Every Homebuyer to Know in 2026
Typical FHA loan fees fall into four government-regulated buckets — FHA-specific charges, lender fees, third-party closing costs, and prepaids — and understanding each one lets homebuyers compare lenders precisely and close without surprises. At MortgageRateHawk.com, Duane Buziak applies a hunt-first approach built over a decade and $95.6M in verified solo production to make sure you never overpay.